milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Retrieval-Masters Creditors Bureau, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I received a collections notice from XXXX XXXX XXXX. I immediately contacted them and let them know this debt was invalid and I wanted to dispute the debt. as of XX/XX/2018 this has been reported on my credit and I have not received any information regarding my wish to dispute 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 01-03-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX, XXXX, AND XXXX have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: i got letter from XXXX that my information get exposed and to avoid identity theft they offer 1 year in Equifax silver membership for free at the same week i tried to apply for mortgage and get refused i ask why they told Equifax score XXXX and i have unpaid medical bill for XXXX $ this amount for XXXX they will take from the my lawyer after the faulty guy pay and no body contacted me that i have to pay it now they so i try to dispute my report they block my identity they said for me rong info and i have to send passport driver licence social security as fax i faxed from my layer office they did n't answer i call back they told me i have to make membership so i give them the activation code provided from XXXX they said it is not working and i have to pay for a full membership to see what is going on and be able to solve it i paid they unblock me and give me XXXX is my credit score at them XXXX XXXX at the XXXX other bureau so i ask why my bank say that my score at equifax XXXX the agent answer how if you see your score is XXXX in front of you and all the info was yes mine so i believed equifax this was XXXX/XXXX/2016 till XXXX/XXXX/2016 i went to buy a car and i decided to buy it with loan so they run my credit and my wife credit after hardly 1 hour only XXXX accepted to lend me because Equifax credit score is XXXX with high rate because i have this law score and XXXX uncollected medical payment in Equifax only the XXXX other bureau my credit is good i call them again they said that my score is went down to XXXX from XXXX because of the car loan in XXXX/XXXX/2016 i said that they give the lender XXXX as my score they said no impossible i said i have the paper from my lender show XXXX your score and the XXXX other are normal they make from other planet that i have to keep my membership running to watch my score blablabla that i have to pay again every month and no silver membership or activation code accepted it is XXXX and miss use of my info to fraud the american consumers and all the phone calls are answered in other country how our info is exposed in other country call centers it is a social security and all the USA vital info in the hand of other country and even not government just a call centers XXXX how???? the same country we get every year a fraud and the law enforcement ca n't do any thing for this gangs because they are out of rich so please stop give this equifax and any similar company dealing with vital info on foreigner soils. and I'am sure I'am not the only or XXXX of few cases it is XXXX they are complaining and XXXX impacted from the Equifax please for the security of our nation investigate this company seriously and escalated before the no tern back time thanks

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In the year XX/XX/XXXX, I was taking a look at cars through " XXXX XXXX XXXX XXXX XXXX '' and I realized the company ran my credit through financing companies I did not know about or ask for. The only thing I requested was for them to run my credit through XXXX XXXX on XX/XX/XXXX. 

The companies they applied for ( without me knowing ) left me with a lower credit score. Hard inquires will stay on my credit report for about 2 years but I would like the freedom to be able to apply for more credit without deducting too many points from my score. I am very mad that they did that to me without my consent. 

My complaint is that I would like the following Hard inquires removed from my credit report : -ALLY FINAN 1, XX/XX/XXXX -XXXX XXXX XXXX , XX/XX/XXXX -XXXX, XX/XX/XXXX - XXXX XXXX, 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
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a credit inquiry on my credit report that I did not authorize from XXXX XXXX XXXX dated XX/XX/2017.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX AND 2 CREDIT BUREAUS, XXXX AND TRANSUNION KEEP REPORTING OUTDATED NEGATIVE INFORMATION ON MY CREDIT REPORTS. I TALKED TO XXXX XXXX XXXX AND THEY TOLD ME THAT THE CREDIT BUREAUS ARE RESPONSIBLE FOR REMOVING THIS INCORRECT INFORMATION. 
THE CREDIT BUREAUS TOLD ME THAT THE BANK IS RESPONSIBLE FOR REMOVING THE OUTDATED INFORMATION.? WHO IS CORRECT?? PLEASE HELP ME RESOLVE THIS MATTER. THE ACCOUNT IS OVER 7 YEARS OLD!! 
.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Bank account or service (Checking account) with U.S. BANCORP (IL).
Issue: Using a debit or ATM card

Complaint: I filed a fraud claim for a {$200.00} charge listed as " XXXX XXXX XXXX XXXX '' on Friday, XXXX XXXX, 2016. This transaction was done without my permission, and I have never done business with or heard of this company. I was told by the fraud representative that the provisional credit would be issued between 7 to 10 business days, because it was not a pin based transaction ( pin transactions take longer to process since someone else has your pin number ; signature transactions only take 7-10 business days ). 
I called in to the fraud department on Wednesday, XXXX XXXX for a status update. According to the representative, there was no case processor assigned to my fraud claim yet, and no provisional credit was issued. The representative stated that she put in a request to have a supervisor in the " claims processing '' department call me back ; no one called back. 
I called again on Friday, XXXX XXXX for another status update, but was told that the " claims processing '' department may short staffed due to the Holiday weekend ( good for them, but horrible for me because I have nothing in my account due to some card hackers ). I was told by an escalations representative XXXX M ( located in XXXX XXXX, Kansas ) that she would not be able to transfer me to " claims processing '' and that there was no supervisor above her that I could speak to regarding the issue ( even though the previous escalations reps that I spoke to told me to just call in after XXXX to be transferred to that department ). Nothing was resolved and it was the 10th business day. 
I called again this morning, Saturday, XXXX XXXX, and spoke to another representative that gave me the " claims processing '' department 's phone number and advised me to call in on Monday. 
Because of US Bank 's laziness regarding my fraud claim, it is now the holiday weekend and I have no money in my account. This is unacceptable. A thief used my debit card number fraudulently, and I am the one being punished for this. I can not even afford to pay my half towards the rent on XXXX XXXX, because the funds have not yet been returned. 
There needs to be some form on recourse for this ; I was lied to by XXXX XXXX in XXXX XXXX, Kansas regarding speaking to her supervisor and/or the " claims processing '' department, and was told that no one was above her and that " claims processing '' does not have a direct phone number.

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 12/22/2015 about Mortgage (VA mortgage) with Prospect Mortgage, LLC (NJ).
Issue: Application, originator, mortgage broker

Complaint: As a XXXX XXXX combat veteran ( XXXX ), I am informed by VA that the terms of my VA mortgage entitle me to a refund of the funding fee the mortgage provider received when I took out the loan. Prospect Mortgage was that provider, even though without my knowledge they sold my mortgage to XXXX XXXX six months after I signed it, resulting in other issues with XXXX XXXX Home Mortgage. Now, Prospect Mortgage, despite numerous phone calls and requests for update, as well as an in-person meeting and referrals to VA contacts, has not returned this funding fee to me. This issue is separate from my issue with XXXX XXXX Home Mortgage, about which I have also complained to CFPB as a final resort. I need help with these XXXX companies, which are in my view taking money from veterans in order to further their own gains.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that I do not recall authorizing. this inquiry is from XX/XX/2017. I do recognize one inquiry from the same company which was on XX/XX/2017, which i now have an account under. It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry from XX/XX/2017, removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This collection agency is unable to determine the validity of this debt. contacted original creditor to no avail and the collection agency ( Debt Recovery Solutions ) can not provide any proof as to the validity of this debt. I have no idea what this debt is. this debt has also been disputed several times with all XXXX bureaus to no avail. this tells me that the reporting agency is able to provide some sort of validity to which i would like to review myself.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Debt collection (Federal student loan debt) with Equitable Acceptance Corporation (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I was contacted by XXXX XXXX who said they were going to get my student loans consolidated and forgiven. They set up a payment plan with Equitable Acceptance Corporation. This was XX/XX/2017. A few days later I realized they were a scam. I contacted XXXX XXXX. They refused to do anything about it and said I should have canceled within three days of signing the contract. I called Equitable Acceptance Corporation. They said there was nothing they could do about it. They are a scam too. It is now on my credit report that I owe {$1200.00} to Equitable Acceptance Corporation. I have tried to challenge it with Equifax with my credit report, but Equitable Acceptance Corporation still says I owe the money. This is XXXX! Corporations like this taking advantage of consumers. It's FRAUD!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Debt collection (Credit card) with Protas, Spivok & Collins, LLC (DC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX issued me XXXX with a {$12000.00} limit. I lost my job in XXXX and had trouble making payments. In XXXX XXXX, I entered in to a payment plan to pay $ XXXX/month. On my credit report XXXX reported I owed {$12000.00} and paid $ XXXX/month. XXXX debt collector, XXXX XXXX and Protas, Spivok & Collins XXXX LLC reported I owed {$15000.00} and could not be found for payment. Therefore, XXXX 's collection company sought to collect for the same debt simultaneously and for more money. 
In XXXX XXXX, XXXX XXXX, the attorney for XXXX, filed for judgment when a payment was received by his law firm a few days late. The judgment increased my debt from {$12000.00} to {$17000.00}! I NEVER received a summons. I was not present in court to defend myself. I wrote after the fact to inform the court and my protest fell on deaf ears. 
To date, I have paid XXXX {$10000.00} for the XXXX. I learned today that a legal hold/garnishment was placed on my XXXX bank account for {$15000.00}! I have paid {$10000.00} and now XXXX seeks an additional {$15000.00}. When I asked Protas, Spivok & Collins XXXX LLC why they requested {$15000.00}, they told me to file suit in XXXX XXXX Court. I have fulfilled my obligation and paid {$200.00} for XXXX XXXX. I am paying my debt, yet being punished. I had approximately {$1500.00} in my account and my paycheck for {$2200.00} will be direct deposited on XXXX XXXX, XXXX. XXXX will receive over {$12000.00}, which was the maximum card limit. It is unconscionable that I am being forced to pay an additional {$15000.00}. XXXX sought garnishment for more than twice the amount I owe.

Company response to consumer: Untimely response
Consumer complaint received 05-09-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Credit reporting violations include where your credit report contains information that is inaccurate, disputed, and outdated. However, they have refused to remove. 
Public Record CHP XXXX - 10 years old ( Equifax ONLY ) Child Support Error- 14 years old ( Equifax & XXXX ONLY ) XXXX Bill- XXXX years old ( Equifax ONLY ) XXXX ( Student Loan ) - PAID in full 2010 w/IRS offset. However, I am presently STILL paying in efforts to protect my credit score. ( Equifax , XXXX & XXXX ) If you do n't have any success with these violations of statutes. I would like to pursue compensation for damages suffered ( such as credit loss, higher interest rates and emotional distress ), plus an additional amount up to {$1000.00} per violation, punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX I made my mortgage and escrow payment to Ocwen Loan Servicing , LLC in the full amount of the previous ( XXXX ) months, which was received on time. 
The mortgage has a variable interest rate, which happened to change that month, increasing the total payment amount to {$1700.00}. Therefore, my payment was short by {$56.00}. Once I became aware of this oversight, I IMMEDIATELY made payment for the balance, which the bank says was received on XX/XX/2017 ( two days beyond the 30 day late period limit ). 
The bank has reported this to the credit agencies as a MISSED PAYMENT, ( 30 ) days late. 
The payment was NOT MISSED or late, the bank held it in their suspense account rather than any number of other options over a {$56.00} shortage that was immediately resolved. 
This is not factually the same as a missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: Several times a month I receive emails from Experian stating : " Your Experian FICO Score has changed. 
You have new credit information. Were alerting you right away so you can sign in to make sure everything looks okay. '' Every other email is " Here 's what 's changed : Credit Score Decrease '' or " Here 's what 's changed : Credit Score Increase '' I believe these emails are a lure to subscribe to credit monitoring services. 

I am uncertain about whether or not my Experian credit score is actually increasing and decreasing this frequently. I feel as if these email are intended to cause either excitement or concern that is n't actually necessary and trigger recipients of these emails to subscribe to their credit monitoring service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX or XXXX XXXX is commiting crimes and causing people not to have bank accounts to live their lifes. they have misleeding info on people credit files and banks turn away good people. i XXXX XXXX XXXX am one of the people they are trying to hurt with their lies. i did not give any athuasashon to have my name in their system and if i did i was not aware of it i revoke my name and my social in their system and they must remove me from the sytem or i will seek legal console. an in turn another compney that is going to halfto purge my account its chexsystems they must purge my account or legal action may take place

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 03/29/2017 about Debt collection (Credit card) with Rubin & Debski, P.A. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX XXXX, I reviewed my credit report via XXXX after being denied credit to refinance my house. I was advised that I had XXXX civil judgments on my credit report. Both civil judgments occurred in XXXX XXXX, Fl. I pulled the docket numbers ( XXXX and XXXX ) from XXXX XXXX Circuit Court. The defendant in both cases is XXXX XXXX XXXX, XXXX XXXX XXXX, FL with a date of birth of XXXX/XXXX/XXXX, SSN : XXXX. Debski Associates was the plaintiff for XXXX and XXXX was the plaintiff for XXXX. My name is XXXX XXXX XXXX, XXXX/XXXX/XXXX, Last 4 SSN : XXXX. I notified both plaintiffs on XXXX XXXX XXXX that XXXX XXXX collection and derogatory information ( attached documents ) was placed on my credit report erroneously and I wanted it removed expeditiously. Four months later it was removed from all XXXX credit reports after my credit score dropped, my credit agencies closed my accounts or reduced my credit limit. This also affected my security clearance for Department of Defense. 
In XXXX XXXX, I received a letter from a credit card ( XXXX Bank ) stating that my credit limit was being reduced on credit card due to serious delinquency and collections. I pulled my XXXX credit report and the previous collections ( XXXX and XXXX ) from XXXX XXXX Circuit Court were placed back on my credit report, to include additional delinquent credit card and mortgage accounts. At this time, I have been refused credit as well as the ability to lease a house. My credit score has dropped over XXXX points and once again my security clearance is in jeopardy. I contact the XXXX Credit Agencies and pointed out the disputes on the reports reference to XXXX XXXX XXXX. However, all agreed to look into the disputes but none was able to explain why this issue occurred again. XXXX actually told me to contact XXXX XXXX XXXX and have her fix her credit issues. I attempted to make contact with Debski Associates and XXXX to get this issue resolved ; however, neither company would address the issue and told me to contact the Credit Agencies. I 'm prepared to provide copies of my XXXX and XXXX XXXX credit report, the dockets, and letters to the XXXX plaintiffs.

Company response to consumer: Untimely response
Consumer complaint received 10/29/2016 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: JH Portfolio Debt Equiti, XXXX XXXX XXXX XXXX, XXXX, MO XXXX, XXXX will not delete from the credit reporting companies a charged off debt from 16 YEARS AGO that is too old. The old debt agreed that they were settled and no longer viable to me due to medical and low income problems. I want the XXXX debts that the company charged off DELETED from my credit reporting companies due to poor health and income.

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