milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Experian. I did not authorized 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 have requested 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 immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX/XXXX/XXXX someone tried to check my credit without my knowledge and created a hard inquiry that should not have happened. The hard entry is labeled XXXX XXXX at XXXX. 

There is also a XXXX incorrect hard inquiry on XXXX/XXXX/XXXX labeled XXXX XXXX that again I believe was a ID theft potential. I have a XXXX contract for 2 years so there is no reason for me to have every tried to us XXXX. I did talk to XXXX and they agreed it was not me. 

Please have XXXX removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Despite my five written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of re-investigations, Transunion stated in writing that they verified that these items are being reported correctly. Transunion refused to address my request to identify who in their company verified the accuracy of these accounts or how they verified them. Transunion is not willing or able to produce a document that proves the accounts in dispute belong to me and the information being reported is accurate. The failure to provide me with verifiable proof required from Transunion to post the accounts listed below is evidence that it does not exist and therefore is proof that Transunion can not properly verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( a ) of the FCRA, you are required to " promptly delete all information which can not be verified. '' Due to Transunion 's continued willful disregard of the law, I am filing this complaint to get the following unverified accounts removed from my credit report file. 

1. XXXX XXXX ( remove unverified account ) 2. XXXX ( remove unverified account ) 3. XXXX XXXX ( remove unverified account ) 4. XXXX XXXX XXXX ( remove unverified account ) 5. XXXX XXXX XXXX ( remove unverified account )

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 06-06-2016 about Debt collection (Credit card) with Credit Card Receivables Fund Incorporated (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: This is debt that I have never owned. I was and have been a person with identity theft. This debt collector has placed a public record on my credit report and has placed a lein on my property located at XXXX XXXX XXXX XXXX. Public Record Details Reference Number XXXX Court -- Date -- Status -- Amount {$4000.00} Classification -- Type legalitems

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Debt collection (Medical debt) with PMAB,LLC (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: PMAB, LLC., reported a medical bill that was in dispute with XXXX   XXXX XXXX XXXX in XXXX XXXX , NC XXXX between my Insurance provider ( XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX , for more than two years. 

PMAB, LLC., never attempted to contact me to receive or ask for any explanation on my part despite the fact they had my telephone number and Post Office Box address on file provided by XXXX  XXXX XXXX XXXX . 

PMAB, LLC., proceeded and placed the collection of a {$67.00} and {$270.00} respectively on my credit files with all three credit companies on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in an attempt to damage my credit. 

I only discovered this damage done by PMAB, LLC., only when I was declined credit by a furniture company in XX/XX/XXXX, which was completely and totally embarrassing. 

I immediately and repeatedly contacted the PMAB, LLC.,  representatives in XXXX , NC, for immediate retrieval and correction of this egregious damage to my reputation and credit. This company and their representatives have been rude, inattentive, and completely treated me with disregard, and have failed to correct their error. They continuously lied that they did not have my address or telephone number when in fact my address was printed on the check that was used in paying the balance that XXXX XXXX XXXX XXXX indicated I owed, and in their record. 

I believe PMAB, LLC., has acted with malice to destroy my credit without making any attempt to contact me before placing a debt collection on my credit files. This is a violation against fair credit act and a fraudulent business practice perpetrated by PMAB, LLC., to collect a debt that is in dispute with the creditor. 

I demand an apology letter from PMAB, LLC., and an immediate removal of this error from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This company is trying to collect on a debt that I do not owe or have any knowledge of. This company removed the debt from my credit file and added back on the same exact day. They have not forwarded any proof bearing my signature connecting me to this debt. Per FCRA they was supppose to notify me in writing that the removed debt will be added back to my credit file within 5 days and they failed to do so. This company is in direct violation of federal laws, also I sent a validation letter to asking for proof of this debt and have n't received it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
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 have a Chase Visa, Account # XXXX XXXX XXXX XXXX. About 3 weeks ago, I went online to order an urgently needed item, XXXX XXXX bags. I found some on XXXX XXXX and ordered from them. I have never bought anything from XXXX XXXX before. I do not have an account with them. 

I saw on my screen that they took my credit card and charged my account. However, I never received the email with a receipt of purchase. Nor did I receive an email telling me the item was shipped. 

I contacted Chase twice via fax. Each time I asked them to clarify and provide me with the merchant contact info and to " freeze '' the charge while I was contesting it. 

I have gotten an endless stream of phone calls, nights, day, and on weekends, which I find to be extremely rude ( they call you Sunday morning and Sunday night ) rather than a letter telling me they are removing the charge and providing me with the merchant 's contact info. 

Please assist me in resolving this. 

The merchandise may or may not have shipped. It may have been lost or stolen. I do n't know and want to find out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/22/2015 about Debt collection (Payday loan) with Integrated Recovery Services (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: After I and my superiors told numerous Employees at Integrated Recovery Services that I am not allowed to receive calls at my workplace, they persistently continued to call my workplace. They also leave messages about my private information on company voicemail. I also asked them to stop calling my personal phone. The employees at this collection company are being rude and lying about who they are in an apparent scare tactics. I have saved all voice mails from this company and they can be heard calling themselves attorneys and public defenders amid other threats such as garnishment and court. I have not received a single piece of mail from this company called Integrated services.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian credit Bureau sent me a credit report having numerous errors in the reporting such as, wrong social security number, date of birth, an address I never lived at and many Creditors I 've never borrowed 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 02/21/2016 about Credit card () with DISCOVER BANK (NC).
Issue: Credit card protection / Debt protection

Complaint: I. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX sent me a letter stating they had been retained by Discover Bank, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 
II. I responded. In that letter, I asked, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received. 
III. I also pulled down my credit report and saw that this debt had been charged off. 
IV. I was served with a lawsuit on XXXX/XXXX/2016 by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX regarding this matter. 
ISSUE : This firm stated they were retained by Discover Bank. That claim is patently false, since the debt was charged off. If Insert Original Lender was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 
The statements made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX in the letter are fraudulent and misleading, and intended to intimidate. Further, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has extended this fraud into court.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016, I walked into Wells Fargo to deposit a check into my business account. When I approached the teller to make the deposit she brings to my attention that I do not have a savings account with Wells Fargo. I informed her that I was aware of the fact and I did not want a savings account. She made two more attempts to get me to open a savings account, to which I declined. On the teller 's fourth attempt, I informed the teller that I was short on time, but I would agree to speak with a personal banker to inquire about opening a savings account only if the personal banker were available after we completed the deposit of the check. After the check was deposited, the personal banker was not available, therefore, I left Wells Fargo without speaking to anyone regarding the savings account. I now realize that I have a credit inquiry from Wells Fargo on that day. I was never informed they will check my credit, nor did I authorize anyone to make an inquire on 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
Consumer complaint received 10-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Navient servicing failure and repeated errors in processing and misapplying payments month after month has caused unjust interest accrual. This resulted in increased length and amount of total loan repayment. This process was never clearly disclosed as part of their payment allocation methodology used by Navient. 

Navient never provided adequate information of repayment options and required repayment to start from the initial date of the loan, resulting in uninformed and rushed choice in repayment method. This led to increased interest required for total repayment. 

The Predatory mismanagement of payments has led to an unachievable repayment plan. 

From XX/XX/XXXX through XX/XX/XXXX, Navient refused to apply or inform of the lack of payments to the principal amount of the loan. Only servicing the Interest and fees with 100 % of the monthly payments ; which were being made in good faith. This has led to the continually cycle of non-dimensioning interest that would reapply per fiscal year. Making loan repayment unachievable as the principal never was reducing which allowed the interest to never reduce per annual amount. 

SinceXX/XX/XXXX, Navient has serviced the minimal percentage of principal per each monthly payment in attempts to continue accruing maximum interest to be repaid. 

This is clearly predatory and done against good faith, stewardship, and customer 's best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX credit inquires on credit not getting resolved. My XXXX from me on XXXX XXXX and again multiple times on XXXX XXXX. I have calledthe companies multiples times to have them send over the request tocredit bureaus to take inquires off my credit because the companiesfound it to be fraud right away. I have sent all my paper work in everyoneneeded, disputed the inquires online with credit bureaus. The other XXXX bureaus have taken action and fixed the problem expect Equifax, Inc. They keep telling me they are not receiving any request fromcompanies. As of today XXXX XXXX still saying same thing. Need doneASAP past my time frame, ruining my life, and causing emotional stressit 's causing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2017 about Debt collection (Other debt) with ResidentCollect, Inc. (MS).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: To Whom It May Concern : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Debt collection (Medical) with Valarity, LLC (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Medical debt turned over to a collection agency has called repeatedly and latest call was a lady named XXXX XXXX who said she has received several complaints about me and needed to discuss them, this was left on my voice mail. Very unnerving and rude. I want these calls to stop! Obviously if I could XXXX would pay this debt. It is XXXX of several medical bills I have accrued this year and am doing my best.

Company response to consumer: Untimely response
Consumer complaint received 07/26/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (CO).
Issue: Trouble during payment process

Complaint: Approximately 3-4 months ago, I contacted my mortgage servicing company, Specialized Loan Servicing about a legal description change on my property and a partial release of deed of trust. I contacted them several times and were given several conflicting answers not only on facts of what needed to be done to solve my issue, but also in how they operate. When my phone calls got difficult where I was inquiring and asking why I was told wrong, the call would some how be disconnected and you would have to dial in again. This happened on at least 6 occasions ( and as I am typing and waiting for a person in the Executive Services department, it just happened again! ) They advised me that for a legal description change I needed to contact the investor on my mortgage. I had to write a letter to SLS requesting the information and then contacted XXXX XXXX. XXXX XXXX advised me they do n't handle legal descriptions and when I told them I had already spent over 2 months with no resolve with SLS, they offered to assist me. XXXX XXXX has now been working the case for over 6 weeks and also does n't have resolution. So today I decided to call SLS to get a status. As I just mentioned, I was routed to 4 departments and spent over 40 minutes on the phone and just got connected to a LEVEL 3 representative who told me to hold while he researched my situation and, once again, after a couple of minutes the call was disconnected. I have always called in from a land line so either they are having consistently large phone issues or this is a tactic for their call center reps to just get you off the phone because they do n't know how to help you. I am holding up a large community project with the XXXX XXXX XXXX because SLS is not working with me to provide me the information needed to finalize my piece of the project with the City. I am writing you because I have never had such extremely poor customer service phone issues along with such horrendous accuracy issues with a financial institution. You can barely get a supervisor on the phone and EVERY question needs to be answered by a call center rep who can not even view your information. They will never let you talk to a person in the back office who is working directly on your case. Just to help provide a comparison, I recently worked with an elderly neighbor to conduct the same task with his mortgage company and it was solved in 4 weeks. I am sitting at close to 4 months with no resolution and need a manager to reach out to me to get this done. It is hard to believe that a company with these practices can stay in business. Please HELP!

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 09/13/2017 about Checking or savings account (Checking account) with Synovus Bank (GA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX I wrote a check for {$160.00} to the XXXX XXXX ( Independent Agent for XXXX XXXX XXXX ) for a New Auto Insurance Policy. The Agent XXXX XXXX cashed this check but pocketed the cash and Did Not send Any money to XXXX XXXX XXXX On Wed.  XX/XX/XXXX I left a message on my banker 's phone ( after hours ) about this Fraudulent activity. The next day ( XX/XX/XXXX ) XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX  XXXX, Ga. ( Synovus ) ) called me. He had Researched this Situation and Informed me That XXXX XXXX had been arrested on multiple Fraud charges like mine. XXXX and the Bank had Proof Positive that I had Indeed been Defrauded and normally the Bank would Credit My Account for the {$160.00}. BUT ... since this is Now a Criminal Case the bank is NOT going to credit my account for Any money. They suggest that I go to the XXXX, Ga. Police Dept and register a Complaint if I want My {$160.00} Back. I Do n't Understand Why the Bank does n't give me MY Money back and go after the Criminal to get Their Money back???

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have sent dispute request 3 times to both XXXX XXXX and Transunion and have not received any verification/investigation or any information other than random computer print outs. After 3 requests each and receiving a simple statement of " validated your account '' I still do not have any actual documentation that this account belongs to me. Both Transunion and XXXX need to delete the account listed on my credit report XXXX. They have both had more than 90 days to get me information. I am attaching a copy of the 3rd request I sent to both Transunion & 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 non-monetary relief