milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2017 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: First let me start with I have been on file noted with the Federal trade as a victim of ID theft and it is clearly noted on my credit bureau files that I am the victim of identity theft, yet I still have all these credit inquiries which are negatively impacting my credit ... I did find out that XXXX about 2 months ago removed everyones credit inquiries and then put them back on, without sending a 5 day reinsertion letter which is a violation of 6.11 of the Fair Credit Reporting Act. I did call in this morning and was on hold with operator, XXXX, at XXXX, XXXX XXXX, XXXX regarding both issues. She is stating she is not able to do anything for me. I did notify her that I would be filing a complaint with both the CFPB and the Attorney Generals Office. 
All inquiries made against my social should be removed. I have not attempted to purchase or open any accounts. I am just finding out about all of this since XXXX and have been desperately trying to fix this disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The Public Record that reflects on my credit history has been resolved with the XXXX.But It still shows me having a tax lien.I Had a payment Plan Set Up with The XXXX and Im just about nearing the payoff date.I do have records of these payments made and the current balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Mortgage (Home equity loan or line of credit) with U.S. BANCORP (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I am working on an FHA short sale with US Bank - They have not responded to the offer I sent them since XXXX 2015

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 01/24/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Portfolio Recovery is a collection agency reporting two accounts on my credit report, showing XXXX XXXX XXXX as the original creditor for the amount of {$940.00}. And the second collection account is reporting XXXX XXXX as the original creditor for a balance of {$1200.00}. 

I sent XXXX XXXX a written request for both accounts asking them to send me the copies of the signed credit application for those two accounts since I believe both accounts were opened via identity theft. 

XXXX replied to my requests with copies of credit card statements yet did not send me a copy of the signed credit application for the two accounts mentioned. 

The XXXX XXXX account number they have on their letter is XXXX. 
The XXXX XXXX account number they have on their letter is XXXX****. 

On XX/XX/XXXX, they sent me the copies of statement, on XX/XX/XXXX I replied that the statements they sent me contain an unknown address I never lived at. On XX/XX/XXXX they replied that they already responded to my previous letter and considered this case closed and if they continue receiving letters from me they will considered this matter resolved. However they never resolved anything because they are ignoring my reply in which I 'm telling them the address on the credit card statements is unknown to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Mortgage (Reverse mortgage) with MONEY SOURCE, THE (AZ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: The Money Source contacted me about doing a reversed mortgage. They stated they were certified etc., I had the notary come over and even did the credit counseling. Strung me on for 4 months kept saying I would receive funds on my home. Never told me that my student loans would effect me. And they are deferred. So I was lead on for 4 months to believe that I was able to get it. They falsified their information with me, they did not do their diligence in research to see the property was not even FHA/HUD approved! This could have eliminated all hopefulness on my part, believing I was getting my house payment removed from me alleviating stress but put more stress on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Debt collection (I do not know) with First Advantage LNS Inc. (DC).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: XX/XX/2017 I called to the office the lady stated I owe a balance and I need to pay before she sue my XXXX she stated I will be homeless and will not be able to rent anywhere else .I stated I lost my job she said so what that 's not her problem and stated I do not get people like you .I stated I 'm trying .I called the apartment development to talk to the lady XXXX XXXX and she told me its nothing she can do because its already with collections you need to talk to them .I told her I did and national credit audit was rude. XXXX XXXX Said its nothing she can do.so its a collection of {$10000.00} on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Bank account or service (Other bank product/service) with SUNTRUST BANKS, INC. (MD).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX 2015 I was interviewed online by a recruiter pretending to hire for a company named : XXXX XXXX XXXX based in XXXX. The job according to the job posting would consist of Data entry from home and I was directed to expect a {$2600.00} check to buy equipment for the job. The next day the check arrived at my door by express mail, I dropped it to my bank by ATM the same day but afterward I realized that the name of the company was not mentioned on the check ; I connected online with the recruiter and asked what the procedure would be after I receive the money. She said to me that I should withdraw the money and direct deposit it in another account Than I realized I was in a middle of a scam, right away I called the Bank asking if they could withdraw that check from the ATM machine and they said to me that they do not have access to the ATM system, I should wait for the operation to go through and then meet them after the check is processed, which I did on the XXXX of XXXX after the position of my account was updated with the amount of the check. The same day I went the Suntrust XXXX Branch and and the officer confirmed to me that the check is in fact a fraud. I asked her to put a hold on my account and return the money immediately. She advised me to open another account as the previous one was compromised. I followed her advice and deposited {$100.00} in the new account. She told me that the new account will be connected to my check card since the old account will be frozen till the procedure is completed, and later on closed. she said it will take XXXX business day for the new account to be connected to my online banking system. After the XXXX days, nothing went the way she told me. I called her, and she told me again that I should come to the branch and fill up a form for the connection to take place, which I did. 
From that point everything took another turn as my new personal checking account was frozen, my online banking system suspended. I could n't process any online payment since my business account was connected to my personal account through the online banking system. Since Monday XXXX XXXX I am at the branch everyday, the team-members of the branch are powerless in finding a solution to my problem. The bank has terminated my relationship, closed my old personal checking and saving account, frozen my new account, and do not want to talk to me. they have no schedule to when my money will be given back to me. I have bills to pay and my money is blocked by Suntrust bank. I am being penalized for doing the right thing. I am lost and do not know what to and I am also a victim and surprised by the action of this against me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2017 about Debt collection (Medical) with Revenue Assistance Corporation dba Revenue Group (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a request for validation by certified mail to debt collector and a request to limit communication only to writing and the collector has not responded to both of my requests and continues to call spouse 's phone to collect. I still have no validation of the alleged debt and collectors are still pursuing failing to comply with the FDCPA section 809 law.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Portfolio Recovery is reporting on my credit reports a debt they say I owe of {$430.00}. After two letters asking them to validate this account with viable evidence, bearing my signature that this account is mine, they have not complied and repeat saying the debt is mine. I requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay them and they ca n't come up with any documents. Furthermore, I have requested they make this account disputed on my credit reports but they have not ( copy attached ). If they can not validate this debt then it is a violation of the Fair Debt Collection Practices Act and they must delete all reporting of this account to all credit bureau agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Commonwealth Financial and XXXX XXXX are reporting debt on the same account. The account was paid XXXX 2014 to Commonwealth Financial. I have supporting documentation to support my claim. I have faxed this information to all credit bureaus including XXXX XXXX and each time I am told my information has not been received. I also mailed documentation to XXXX and XXXX via XXXX still with no result. I have done the responsible thing by paying my debt and yet it shows that I still owe on this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have been affected by the Equifax security breach. I 've confirmed that I could information could have been of the breach through their official website : https : //www.equifaxsecurity2017.comXXXX  The complaint is about the communication on Equifax 's end. From my understanding, no attempts of sharing the breach to the people potentially affected was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Bank account or service (Other bank product/service) with PNC Bank N.A. (MD).
Issue: Deposits and withdrawals

Complaint: Over the years I have enjoyed doing my banking. However, over the years when I walk into a bank, I am constantly being solicted for products. It seems as though the employees are even uncomfortabel trying to push sales on customers. The retail banking environment has completely changed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX XXXX, I observed that a collection debt was placed on my credit report by a Portfolio Recovery Associates. Never received any communication from this company nor did I have any idea what this debt was. Had to call XXXX credit bureau to even find out that it was Portfolio Recovery supposidely attempting to collect on behalf of XXXX. My ex-wife received a call yesterday requesting me to call back a number regarding a " final attempt by XXXX to deliver me some important documentations. '' I called back the number and got XXXX minutes of hold music but nobody ever answered.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Managing the loan or lease

Complaint: Capital One Auto Finance refuses to remove credit history of an old account paid in 2011. After several Good Will Letters explaining what caused the late payments and the current need to have it removed. They have denied my request several times. 
Also after sending all pertinent information of where to send response they sent to an old address listed in 2011 which shows they did not even read my request showing all updated information. 
Please help. My wife and I are currently XXXX and need to buy a home with my son and his wife so that they can help take care of our XXXX needs.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (CO).
Issue: Managing the loan or lease

Complaint: In XX/XX/XXXX I purchased a XX/XX/XXXX XXXX XXXX, and received a loan with Ally Auto. On XX/XX/XXXX I had it refinanced with XXXX XXXX XXXX XXXX. They sent an overnight payoff which The credit union has confirmation that Ally received it on the XXXX. of XXXX, Ally never posted it. Since then Ally has harassed me with phone calls on late payments. My Credit Union voided that check and sent them a new one, and straightened it out with them we thought. Now there saying my loan was n't paid off till XXXX and I stillowe a balance. They have destroyed my credit since. They are still calling me, I wentback to the XXXX XXXX XXXX on XX/XX/XXXX she called them while I was still in her office no one knew anything about it, and said they would have to investigate it. I do n't know where to go next for help. All I did was refinance my car and its been a nightmare ever since

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (AZ).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: In XX/XX/XXXX I opened my XXXX XXXX Visa Infinite card with Chase Bank NA. On XX/XX/XXXX I was charged a {$450.00} annual fee covering 12 calendar months per the terms and conditions set forth by Chase. <P/>On XX/XX/XXXX Chase Bank NA sent me a letter that they had closed my XXXX XXXX Visa Infinite card ending in XXXX due to 1 ) Rapid increase in revolving balances, 2 ) Too many accounts opened recently and 3 ) Too many requests for credit or / reviews of credit. All my Chase Credit Card 's have had a {$0.00} average balance just like my cards with other banks. I have also not broken any of their Terms and Conditions. <P/>Chase Bank NA has refused to re-open my account or provide me with a pro-rated refund of my {$450.00} annual fee, since I was only able to use the card for less than 6 months I do not find it fair to be charged the full annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (AL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Was tricked into applying for a private loan with peaks under the guise that it would be a part of my existing loans with XXXX XXXX. 

Peaks offers no provisions for a deferment and refuses to offer me any assistance with repayment, I 'm XXXX dollars in dept and XXXX dollars behind, since I was not able to make my payment, my account is now XXXX days delinquent. 

If they had offered a forebearence option or an income based repayment like XXXX XXXX does, I would not be in this situation. Their collectors are calling multiple times a day. 
Im having a very difficult time managing the XXXX this is causing.

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 09/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Innovative Collections, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Hi, My name is XXXX XXXX. 
I got a parking ticket back in XXXX 2015, that I had no knowledge of, which was sent to my old address. That old address does n't exist anymore as the property is under construction. This resulted in the outstanding debt/bill showing up on my credit report as a Collections. 
This was how I gained knowledge of this outstanding bill. 

I right away paid the collection agency the full amount owed, {$110.00}. 
They, XXXX INNOVATIVE COLLECTIONS, XXXX ), still have not notified the Credit Bureau, XXXX, that this was paid in full and therefore still shows up as an open collections on my report, when I paid this off 4 months+ ago. 

Innovative Collections is practicing their business in a sleazy way. 
I repeatedly called them about this and all they have to tell me is that they notified the Credit Bureau XXXX which they have not really done, according XXXX XXXX and that they can not notify XXXX again that this have been paid off. 

I am stuck here being thrown back and forth not being able to take care of this issue and fix my credit. 

I was directed here by XXXX saying that this is the next route I can go? 

Is there anything you can do to help me with this? 

Thank you

Company response to consumer: Untimely response
Consumer complaint received 07-11-2017 about Debt collection (Medical debt) with Credit Bureau Systems, Inc. (WV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX aka Credit Bureau Systems has repeatedly placed several inaccurate invalid and disputed debt onto my report. I HAVENT RECEIVED THE FIRST BILL FROM THEM FOR ANY ACCOUNT. They have several amounts they claim I owe. I dispute the debt, I win the dispute, and then XXXX Credit Bureau Systems XXXX XXXX XXXX KY XXXX opens up several new accounts and changes the account number and places it back on my report as debt owed. I disputed XXXX XXXX ( 3 debts ) to XXXX and XXXX XX/XX/XXXX and XX/XX/XXXX. I called them early in XX/XX/XXXX, and sent a letter to them in XX/XX/XXXX regarding CBS. I won the dispute XX/XX/XXXX and it was deleted. I posted a letter I sent to XXXX about CBS. CBS placed it back on my report with a new account number after I disputed it and it looks like a new debt owed. I called XXXX Fraud Dept and the lady stated I would have to contact them, and that yes they were reporting old  disputed deleted debt making it appear to look new again by changing the account number and changing the amount owed slightly. This debt of XXXX XXXX went back onto my report as a debt of XXXX XXXX  in XX/XX/XXXX. So did 3 other debts of XXXX {$120.00} $ and XXXX XXXX They just make up new accounts and place it right back on the account, it does n't matter if they can validate it or not. Also they break HIPPA by giving out medical information to public about people. I 'm suing and I 'm asking for an investigation please! These people are criminals!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Billing statement

Complaint: I maintain a credit card account and pay each month in full, no balance carried. 
On XXXX XXXX, 2016 an email message was received stating that there was a balance of {$780.00} and this amount was being deducted from my checking account on the day prior to the email notification just received. After lengthy telephone wait and conversation, a Synchrony supervisor said there were thousands of incorrect/erroneous billing notices emailed to their customers - but that they were taking no action to alert clients, or to send memos stating that the bills were in NOT order and that they could be safely ignored. 

I insisted on receiving confirmation in writing - and did receive an apology - but nothing stating that the bill was an error on their part. 

Now, a month later, another such letter has been received. Again, it is stated that we owe {$780.00} and that it would be deducted from my checking account, deduction to occur three days prior to receiving this notice. In contacting Synchrony agan, and waiting an extended time, I spoke to a Supervisor who said there is a system problem, nothing they can do about it, clients are NOT being notified of the error, and it will continue until it is fixed by their " back line '' people - whomever, whatever that is. I asked to speak to a Manager, but was told, after another extended wait, that there was no manager present. However, that a manager would call me. 

Had I not been on AutoPay, receipt of the initial memo would have likely caused me to overpay and send in the {$780.00} to avoid a late pay situation. Synchrony may be sending out these erroneous notices, and receiving extra payments from clients who have no idea that the bills are completely wrong. In addition, it would seem that the consumer has risk of bad credit report information being submitted by Synchrony based on their broken system. 

This problem needs to be fixed quickly. It has extended beyond one month. Consumers need to be notified that Synchrony has this problem, and that the consumer 's account and credit report will not be affected. And, Synchrony should be fined for their failure to properly notify affected clients.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Debt collection (I do not know) with Credit Plus Inc (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Unauthorized inquiry and/or unknown company

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: Date :  XXXX   XXXX ,    XXXX   Fac t : A deposit of a court check of the amount {$160000.00} was deposited in my Chase Bank checking account #  XXXX  ( Exhibit A & Exhibit B.  Yet ( 1 ) Th e money was never credited to my account "  XXXX    XXXX    XXXX , the Trust of  XXXX  ''  ( 2 )  The original check has never been returned to this depositor.   (  3 ) Soon Chase c losed my checking account in  XXXX   XXXX .   (  4  ) Expert on recovering funds wrote that the originator of the check --  XXXX   XXXX   Court has cashed the check. ( Exhibit C )

Company response to consumer: Closed with explanation