milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Capital Accounts, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX has reported a {$920.00} bill on my credit that does n't belong to me. It was for a child that is not biologically mine and was not on my insurance. It should be reported on her father and or mothers credit, not mine. I have called both XXXX XXXX and Capital Accounts which is the collection agency it is with and they keep giving me the run around and telling me they ca n't do anything and to call the other one, that they are the only ones that can make changes. I have been trying to get this resolved for 3 years and am tired of it. I am trying to clean up my credit and this is n't helping. If it was my responsibility I would take care of it, but it 's not and I just want it off my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Debt collection (I do not know) with Javitch, Block & Rathbone LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

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 09/14/2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I had a foreclosure in 2011 and this loan was a second on the the original mortgage that is still reporting as if it has a balance of XXXX and should have been part of the foreclosure or at least show a XXXX balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Bank account or service (Other bank product/service) with First Data Corporation (FL).
Issue: Making/receiving payments, sending money

Complaint: XXXX store # XXXX in XXXX, try paid with personal check, got decline bi TELECHECK COMPAY. I have money in bank. Called TeleCheck company ask what go on? answer because never pay with check the system take action. ( negative? ) -because try to use it pay via check? ( not fear )

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: My XXXX 's student loan is through Nelnet and the calls are about bankruptcy and the numbers they are using are not connected to the XXXX XXXX system. They are local numbers that when calling back are disconnected. I had 4 in one day. All the telephone calls have the same voice and information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have submitted proof of my student loan being cleared and paid in full multiple times. The credit bureaus Experian and  XXXX  continue to not accept the Department of Education/ XXXX  legal paperwork. Both Bureaus have several student loan accounts still open that should be close. I have secured the services of an attorney who will be moving forward once Experian and  XXXX  acknowledge receipt of complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2017 about Prepaid card (General purpose card) with CARD Corporation (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: In the last correspondence Card.com has claimed to have blocked my card. Howevver, the intial request to block the compromised card came before the unauthorized charges took place. ( initial request on XX/XX/2016, copy of notification enclosed ) Additionally, despite recieving a completeted affodavit form, I was sent a letter for each disputed trans action from card.com dated XX/XX/2016 with thecstatement that the affidavit form was not received. Mind you, this was after receiving confirmation from XXXX separate representatives that the completed form was received succesffully. ( PLEASE SEE EVIDENCEENCLOSED ) When talking with card.com over the matter XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX over 55 times. I was told that my form was received about 90 percent of the time. This would also include written correspende confirming its receipt prior even proor to thedated later. 

I have went over and beyond my responsibility as a customer. Both faxing and emailing the affidavit form. 

Many times the contact to card.com was a three way call with an agent from bancorp bank making the call on my behalf. I was in fact promised the credit over 12 times on a recorded line! 

The fact remains that card.com has told me that they received my signed and completed dispute form and yet have devlined my credit based on not receiving s completed dispute form only to have me resubmit my dispute over and over and over again. 

Ive escalated my complaint several times only for the escalation to be replied with promises by people apologizing saying they will prrsonally seek the proper handling of the resolve to no avail. 

The continue neglegemce of card.com has caused seriest financial damages to me and my family and they need to take ownership of their failures and lack of proper hsndling as i continue to endure grave damages as a redult of their inaction and false promised.

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: Hi, I 'd like to file a complaint against Equifax and their handling of the hack that occurred the last few months between XX/XX/XXXX - XX/XX/XXXX. Equifax did not immediately contact customers letting them know their personal information is subject to the hack. I find this unethical. Equifax should provide free credit monitoring and provide a free security freeze to victims of the attack. They have n't been transparent about this and I believe the company should get shut down due to their unethical behaviors and handling of the XX/XX/XXXXhack that breached 150+ million " customers. '' I do n't appreciate that a third party company has my social security number, address, phone number, etc. I do n't elect to give them this information. There should be a better way to verify identities when creating credit cards in the US. I hope this hack creates different legislation going forward in the US. I have contacted my Senator in  California and will continue to voice my opinion on the handling of the Equifax hack. The company deserves what it has coming to them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have contacted Equifax several times in response to information being reported wrong on my credit report. Equifax has had two major data security breaches and its unbelievable that they have made it extremely difficult to dispute inaccuracies and follow the law and investigate disputes according to the FCRA. Equifax is in direct violation of the Fair Credit Reporting Act ( FCRA ) as they have not responded, nor investigated these accounts. These accounts are unverified and should be removed immediately per the FRCA. The accounts are below : 1. XXXX XXXX XXXX Account XXXX XXXX. This is an unverified account. 
2. XXXX XXXX XXXX XXXX Account XXXX XXXX. This is an unverified account. 
3.XXXX XXXX XXXX Account XXXX XXXX. This is an unverified account. 
4. XXXX XXXX XXXX Account XXXX XXXX. This is an unverified account. 
These accounts are unverified and I will need proof as to verify these accounts and investigation that should take place according to the Fair Credit Reporting Act. 
5.XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX XXXX. Unverified Account 6.XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX XXXX. Unverified Account The following credit inquiries are unauthorized and should be investigated and removed immediately. I have a fraud alert on my credit profile and never received a call to make sure these credit inquiries were authorized. The unauthorized credit inquiries are below : XXXX XXXX XXXX-Dates : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX-Date : XXXX XXXX, XXXX XXXX XXXX-Date : XXXX XXXX, XXXX XXXX XXXX-Date : XXXX XXXX, XXXX XXXX XXXX XXXX-Date : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX-Date : XXXX XXXX, XXXX XXXX-Date : XXXX XXXX, XXXX, XXXX XXXX, XXXX Please investigate and delete these inquires immediately as they are unauthorized credit inquiries. 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. I request that you do this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: open accounts cra and hippa violation

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 08-12-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On X/XX/2017 I discovered a negative credit item and account number from Commonwealth Financial had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX University forged my signature on student loans between the year of XX/XX/XXXX-XX/XX/XXXX. I was on a full 4 year scholarship during this time. I never authorized my signature nor did I sign for any of these loans. The school admitted to fraudulently taking these loans out in my name without authorization. I am currently disputing this with the XXXX Fraud Department and the XXXX XXXX. However, because of these fraudulent acts by the schools my credit is being affected tremendously by this causing it to go down over 100 points due to there being no payment of these loans. I have asked XXXX to report them as disputed on my credit report and I have also asked them to put them in forbearance until the issue is solved. They told me they ca n't because of it being disputed. XXXX XXXX told me it could take over a year to get a decision. I have done everything I can possibly do to get this issue solved. In addition, I have also reached out the state attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (Medical debt) with PMAB,LLC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was reported as unpaid on my credit report and was already paid to the original debtor. Called to have it removed and or updated and the person I talked with became very rude. This was reported after the account was paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have recently pulled my XXXX and TransUnion credit reports and noticed accounts that have been investigated and deleted by another credit bureau are still being reported by XXXX. Attached to this letter is proof that these accounts were deleted. Please follow suit and delete the accounts for accurate reporting. They must be deleted in order to show my true credit history. 

The Fair Credit Reporting Act, 15 U.S.C. 1681, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. 

XXXX has removed all the accounts listed below XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reference # 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 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: All three major credit bureaus have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the consumer financial protection bureau to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of 10 million dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the consumer financial protection bureau for protecting her/his Personal, Family, and Household.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (IN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Commonwealth Financial Systems, Inc received a letter called them and set-up payment arrangements starting in XXXX XXXX of {$50.00} a month then in XXXX XXXX I started paying them the {$50.00} from my bank account and {$130.00} from a card. I have agreement with them and Commonwealth is still saying I owe them money and I have the bank drafts and card statements to proof that they was taking the money and they should be paid in full actually they was overpaid according to the agreement we have. This is still on my credit report and I have emailed them the bank drafts and card statements to proof and they still refuse to fix it. The last time I talked to them on the phone a supervisor got nasty with and tried to tell me that I had made my payments when I had sent them the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NV).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient has outrageous interest rates. I was on the income driven plan that paid {$230.00} in interest only payments. The only reason they made a deal with me was because I was late on a payment or two. I tried calling previously and said they would n't be able to do anything for me because I could pay the {$500.00} a month payment. In order for me to get a lower payment, they extended my loan term to 40 years. There is no way I will be able ever pay off my student loans. It 's cheaper for me to stay in school at least part time than it is for me to repay my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Debt collection (Credit card) with NCB MANAGEMENT SERVICES INC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I just learned today that the debt collection agency NCB Management Services on behalf of XXXX XXXX XXXX telephoned my wife in late XXXX XXXX. The collector harassed my wife to the point that she felt forced to pay {$50.00} on the account and has done this in years past to re-age the account. The account is not my wife 's account. It is my account. I never gave my wife authority to pay anything on the account or on behalf. The account is out of statute. Back in XX/XX/XXXX my XXXX son XXXXXXXX for months on end. I have not, personally, paid on the XXXX XXXX XXXX account for over 5 years. I know the collection of the account is out of statute. Here in Pennsylvania the statute of limitations is four years. I believe it is an unlawful collection practice by NCB Management Services to hound a non card holder to make a nominal {$50.00} payment in an attempt to revive the statute of limitations -or any other amount. I believe that NCB Management Services should return to my wife the recent {$50.00} payment that they procured by fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX XXXX XXXX shows on my Experian report with late shows and the loan was transferred by XXXX XXXX XXXX XXXX with out my consent or agreement or was not to my attention. I also did not agree or ask for no transfer in any way or ask. During transfer there was errors by XXXX XXXX XXXX XXXX  on there part in which caused a lot of errors and I disputed to XXXX XXXX XXXX and there was never any real reply to this issues. there was never documents provided to the issue nor any legal binding agreement to the issue when the disputes was filed. they never replied back as to XXXX never provided to me any legal documents showing any legal biding contract to terms and condition as stated by XXXX XXXX XXXX XXXX. 
Experian has on my credit errors I want remove or I 'm going to have to pursue legal issues on XXXX XXXX XXXX XXXX 
There also seems like a bunch of fraud in the act with out any binding agreement to transfer and changes with out notices and the credit report reporting while in transfer and dispute to why with no answer by XXXX XXXX XXXX XXXX nor ( XXXX ) as the original loan originator or what part they came in with out any notices or legal biding contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have XXXX Federal Tax Liens that were published on my credit report. These liens were reported by Equifax and XXXX. These liens were paid and I submitted a request to the IRS to have these liens withdrawn. On XXXX XXXX, 2015, I received a letter from the IRS, which included Form XXXX ( Withdrawal of Notice of Federal Tax Lien ). Although I formally requested the IRS to notify the bureaus to remove the liens, I sent this letter to Equifax and XXXX on XXXX XXXX, 2015, to ensure they would be removed from my credit report. Equifax sent me a letter on XXXX XXXX, 2015, stating the tax liens were reported as released. XXXX sent me a letter on XXXX XXXX, 2015, stating they have deleted the tax lien from my credit report. The XXXX lien had already been deleted from my report. After reviewing my updated credit report through my credit monitoring company, I sent another letter to Equifax on XXXX XXXX, 2015. I included the letter from the IRS again, and requested the bureau to delete the Federal Tax Liens from my report. Equifax sent me a letter on XXXX XXXX, 2015, stating XXXX of the liens is currently reporting released and will remain on my report for 7 years, and the XXXX lien has been deleted from my report. I have included the letters from the bureaus, my last letter to Equifax dated XXXX XXXX, 2015, and the letter from the IRS with Form XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Debt collection (Auto) with CCS Financial Services, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Some one used my personal information for receiving AUTO INSUARENCE XXXX XXXX I received letter from colllection for {$930.00} I was trying to resolve this matter with XXXX directly but Still no response. 
I 've filed complaint with FEDE RAL TRADE COMMISION Report number:XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (Credit card debt) with UNITED SERVICES AUTOMOBILE ASSOCIATION (KS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am a XXXX XXXX XXXX XXXX XXXX. Ever since I got out the XXXX it has been a slow progression of falling behind with slight catching up then falling back behind. There are a couple financial institutions that I have been with for years that I have been having issues with. But, this company just closed my account for lack of payment. I have been with them for the last 15 years. Let alone they call 3 times a day after I already told them my situation. It has been difficult to find a job to cover all my expenses, since the loss of my military income. I make maybe half of what I use to me. So, they have closed my account. This was also a huge hit on my credit report. How can you have such a long good standing with a company and they do n't help you out!?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief