milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: XXXX XXXX, XXXX Bureau of Consumer Protection Federal Trade Commission XXXX XXXX  XXXX, XXXX XXXX DC XXXX RE : FAILURE TO INVESTIGATE PROPERLY To Whom It May Concern : On XXXX XXXX, XXXX, I filed an online dispute with Equifax after reviewing my credit file only to find a number of inquiries that were bogus. Equifax clearly did not follow the law and properly investigate the inquiries because they completed the investigation in the same day ( please review the documents enclosed ). There are inquires I did not make, some that are more than 2 years old ( should be removed ) as well as duplicate  bogus inquires. Equifax has not followed the stipulations of the law. Attached you will see a copy of my dispute information where dispute number XXXX was completed on XXXX XXXX, XXXX yet you can see in the attachment title ( disputes filed ) that, that was also the same day that I submitted the dispute. After viewing that item I request that you view the XXXX, there you will see duplicate inquiries from XXXX XXXX that ARE NOT MINE, Multiple XXXX XXXXXXXX Inquires within days, ARE NOT MINE. XXXX XXXX XXXX is 2 years old should have been removed, XXXX XXXX XXXX I have never granted them permission to access my credit file. XXXX XXXX XXXX is also not MINE, I have not given them permission to view or pull my credit file. Is it true may suffer damages because of Equifax lack of response and improper investigation. Please require them to remove this bogus, duplicate and old information. If you have any questions or need additional information, please contact me at the address noted below. Thank you. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Checkr, Inc (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XX/XX/2017 The company Checkr is submitting a background report that is not accurate and they have done this numerous times. I have contacted them through e-mail and phone to try to correct the matter and they will not fix it. They are reporting that there are restrictions on my drivers license and this is stopping me from being able to rent a vehicle for work. There are no restrictions on my drivers license. Please help me get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery calls regularly from different numbers. Last night they called from XXXX. I answered and no response on the other end. I have no debts. I pay credit cards within 30 days by auto-pay from my bank. I have no mortgage. Portfolio Recovery should send me written validation of any claim they think they have and stop harassing me on the telephone. 

If they come back and say they ca n't do anything because they do n't know what my phone number is, that is a sham. Your instructions say not to include contact information in this field. Separately you have my name and address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/23/2015 about Debt collection (I do not know) with United Collection Bureau, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: United Collection Bureau " Robo-calls '' my home phone number daily attempting to collect a debt from some one else whose former phone number I was likely assigned after a recent move. I have called them back several times and have left messages for them to stop these calls as I am a new person with the debtor 's former number. I even spoke to a gentleman there once and explained to him that the number they have on file is no longer for the person which they are still attempting to reach. Their calls have continued despite my threatening them with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (Credit card debt) with Allied Interstate LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call my phone at leas t 13 times a  day but they always call from different numbers. They will call 5 times from  XXXX  phone number and then use other numbers throughout the day. My phone rings every hour, sometimes withi n 30 m inutes of the last call. This has been going on everyday since  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
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I had an a  XXXX / XXXX  account 7 years ago. I canceled my account 7 years ago.   XXXX   continues to request my credit report from  XXXX , and Equifax. Upon calling them, they have refused to take the enquiry off. I have not authorized them to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Student loan (Non-federal student loan) with SLM CORPORATION (MO).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I took a loan out through sallie Mae in 2011 and have yet to pay off a {$2500.00} loan. They keep hiking interest rates and late fees and I 'm very sick of it. I ca n't afford it. Then they call my number all the time when I 'm maybe two days late and wo n't stop until they 're payment is processed and that 's not short timing by no means. It 's harassment. I encourage people to not go to college. It 's a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Debt collection (Medical debt) with Designed Receivable Solultions, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX XXXX, I sent Designed Receivable Solutions collection agency a letter asking for a breakdown of interest charges. 

The original debt sent to me XX/XX/XXXX was for {$7700.00}. A breakdown was provided of said debt to this amount along with almost double the cost in interest charges with a grand total of over {$12000.00}. 

Since I ran my credit and I initially contacted this collection agency request for verification in XX/XX/XXXX, this agency has intentionally flagged my credit by increasing said debt weekly with zero explanation as to how this amount is charged. 

It raises red flags because the various amounts range from {$2.00} to {$22.00}. Each week there is a different dollar amount added and each month the total is different. This agency even decreased the amount by {$11.00}. 

They even reported to XXXX that I refinanced/renewed this account which is untrue. 

It amazes me how this company can find time to trigger my credit report weekly but can not find time to respond and when I question the interest on said debt, I receive no response. 

This company is ruining my credit and I want this debt removed. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Greetings, I have initiated a multiple disputes with XXXX over the past few months to remove unauthorized fraudulent accounts they have failed to fully validated belongs to me. It has been well over the 30 days given for XXXX  to respond with validated proof per the Fair Credit Reporting Act. I have provided all requested documents to XXXX including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors " Bank of America '' but they have also fail to fully validate contractually the account belongs to me. Below is the reporting account that should be Removed / Deleted from my XXXX credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Account : BANK OF AMERICA - Account # : XXXX XXXX  Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX XXXX, GA XXXX Thank you for your assistance in resolving this matter. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX XXXX, PA XXXX XXXX : XXXX DOB : 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 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
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: The bankruptcy court supplied me with a letter that they did not report a bankruptcy to the credit agencies, instead of removing the incorrect information that did not belong to me they instead only removed one of the two errors and told me I have to send in another duplicate letter I already sent them claiming they can only remove one derogatory remark at a time this is the second request they have ignored the first was my request of 9 hard inquiries I did not authorize a letter was sent and now a second letter request was sent and they have failed to address this by supplying me with documentation baring my signature for these items on my credit report so they have disregarded my rights to the fair credit reporting act 611 ( a ) ( 1 ) ( A ). Then XXXX only removed the reporting source of the U.S bankruptcy court but shows as a derogatory public record which did not remove the incorrect derogatory information instead left it on my report without any source of reporting agency information and failed to supply me with the method of verification that I requested and updated my personal information with incorrect information regarding my employment that was not disputed and shown correct before, I have been at the same employer for the past 14 years so there was no reason to make that changes to my personal information without any source of changes from any agency. As well as pulling a hard inquiry I did not authorize with their company. I can only assume they did all of this purposely because of the unprofessional conversation I had with their agency. Their practices in resolving my issues has violated the fair credit reporting act section 611 ( a ) ( 1 ) ( A ).

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 06/15/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: I received a call from dealership where my husband and I purchased our truck last XXXX. They said they noticed we have been making our payments on time and would to see us and possibly see about new options. We drove to dealership following weekend and were just going to just speak with someone. They keep trying to have us purchase a new vehicle on top of the one we already had and also told us we could just purchase a new vehicle and let the one we have go back. I specifically said we were not interested in a new truck and stated that several times while I was there. While I was there the manager sent my credit report to XXXX different bank and financing companies without my permission trying to get us approved for another loan, which I had already stated I did not give them permission too. This is affecting my credit report because I have to many inquiries, and we were going to refinance in the up coming month or so. I contacted Equifax and they said I would have to contact each individual company. I contacted XXXX of the XXXX and they said they could not do anything because It was n't directly through them, that I would have to speak with the dealership. I called the dealership and spoke to the guy who pulled my report and he said there is no way he could contact credit bureau and let them know it was a mistake. XXXX Equifax said they could send in a statement explaining that it was a mistake and to remove the inquiry ). He continued to say in his XXXX years experience he has never heard of such a thing being done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: To the CFPB, Caliber home loans, and other recipients XXXX this letter go on record as it states the facts in our complaint against Caliber Home Loans. On XXXX XXXX Caliber became the new servicer of our mortgage.In the 2 years since we have never received any SPOC from Caliber to help us retain our home.in Calibers most recent response to the CFPB, Caliber claims that they could not contact us with a SPOC because f a cease and desist on the loan. The fact is in XXXX we hired an attorney to respond to a foreclosure attempt by XXXX, who was the mortgage holder at that time. In the letter sent to XXXX formally disputing their attempt, the wording is as follows " We are demanding that XXXX cease and desist any attempt to foreclose on the home. '' The wording did not state a do not contact cease and desist and further more Caliber Home Loans was not named in this as it would be XXXX more years until Caliber became the new servicer of the loan. Caliber also stated in their recent response that a letter was sent to our bankruptcy attorney on XXXX XXXX, XXXX regarding our loss mitigation options. Our attorney has no record of such letter. Are request through the CFPB was for Caliber to send us any proof that this letter was sent to and received by our bankruptcy attorney. There has still been no response. It is clear that through Calibers lack of contact over the last two years, manipulation of wording, and lack of response to our complaints, that Caliber never intended to help our family stay in our home and only to foreclose and evict us. Leaving this family homeless. Further more the purpose of the CFPB is to help the rights of the consumer but it would seem that is not the case because their hands are tied. Disappointing. XXXX is also go on record that a copy of this letter has been sent to the Massachusetts Attorney General, Massachusetts division of banks, The Justice Department, and our State Senators. We have also consulted with an attorney and we will be taking legal action for the loss of our home, severe violations of our rights, and the mental and emotional stress put on our family. 

The XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (Other debt) with Alpha Recovery Corp (VA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: On or about XXXX XXXX, 2018 I was contacted at work by a rep from Alpha Recovery. Her name is XXXX XXXX. I had asked her not to call me at work. I also found out she had called my parents, my brother and my sister in law. Even though I have blocked her number I can still receive voice mails. When I do not respond is when she calls my place of employment.

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 02/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XX/XX/XXXX, we filed for chapter XXXX bankruptcy, at the time we surrendered our house back to XXXX, previously XXXX owned our mortgage loan. In XX/XX/XXXX, during our chapter XXXX bankruptcy XXXX sold our loan to XXXX on XX/XX/XXXX. XXXX foreclosed on our house in XX/XX/XXXX. Our bankruptcy was discharged in XX/XX/XXXX. Now XXXX XXXX XXXX is reporting our mortgage on our credit report and XXXX is reporting it as a foreclosure in XX/XX/XXXX. Our credit score has dropped XXXX points since XXXX started reporting the foreclosure in XX/XX/XXXX Please help us, this mortgage was included in our chapter XXXX bankruptcy and is the only reason we filed. It was our understanding that the mortgage loan was supposed to be marked in bankruptcy on our credit report. Our credit score has taken a hit with the Chapter XXXX bankruptcy ( the house loan was included in the bankruptcy ), and now we are taking another hit with the foreclosure reporting ( it is not being reported as included in the bankruptcy that has been discharged ). XXXX XXXX XXXX and XXXX are both reporting the same mortgage loan that was discharged in the bankruptcy on our credit report. I am attaching documentation supporting our bankruptcy. 
I am attaching several of our bankruptcy forms to support our story. We hired XXXX to help us with this situation and still have not seen results from any letters sent to the credit agencies. We do n't know where else to turn. We have spent many hours trying to get help with this situation. 
Our contact information is XXXX XXXX SSN # XXXX XXXX XXXX SSN # XXXX XXXX XXXX, TX XXXX Phone XXXX Email : XXXXXXXXXXXX XXXX loan # XXXX XXXX loan # XXXX Property Address : XXXX XXXX, TX XXXX Thank you for assistance in this matter. 
XXXX and XXXX Also the taxlien has been paid and its not being reported as such.

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 08-05-2016 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (CT).
Issue: Managing the loan or lease

Complaint: BMW Financial Services claims I owe XXXX, it was previously a higher amount of around XXXX. The insurance company, XXXX, paid off the account less this amount. The vehicle was totaled in an accident on XXXX XXXX, 2016. The GAP company, XXXX XXXX, paid out the claim with no benefits. They claim the reason for this is due to an over payment by Met-life, they paid more than the stated settlement amount and according to a supervisor in charge, this caused the claim to be paid with no benefits. It appears they gave a different reply to BMW Financial Services claiming because the account was past due at the time, it was paid with no benefits ... Neither of their replies makes any sense to me and I believe they just make up a phony reason not to pay out. Needless to say, I refuse to pay a dime to XXXX XXXX, it will have to come from XXXX or XXXX. Complaints were filed with XXXX XXXX XXXX XXXX as well as XXXX office against XXXX, both unresolved. It appears XXXX ( XXXXClaims ) is shifting their response for non-payout of claim as explained before, their reply to XXXX named agencies stated over payment by XXXX caused claim to be paid with no benefits, no mention of account being past due. The amount of XXXX, is a settlement offer good through XXXX XXXX I believe. I have a counter offer of ZERO which is good until forever. If they are seeking any payment at all on this totaled vehicle, which was not my fault and have police report to prove it, I 'd suggest contacting XXXX or XXXXClaims. No payment will come from me on this totaled vehicle, not my fault. Please do not mark this as duplicate, there is additional information contained.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Delinquent account

Complaint: XX/XX/XXXX I received a statement from Macy 's for charges made to my Macy 's American Express Card for XX/XX/XXXX. There were XXXX charges for XXXX. The charges were made to a new card which Macy 's issued having the chip. I had not used the card prior to these charges being made and the card was in my possession. I immediately called Macy 's to report the fraudulent charges. I received a letter dated XX/XX/XXXX and XX/XX/XXXX regarding this matter. Macy 's reported me as delinquent to XXXX and also asked for payment of undisputed charges. No charges were made by me on the card and the delinquent amount was for penalties and interest on the fraudulent charges. The matter was resolved by XX/XX/XXXX. However, it is my understanding that Macy 's should not have reported me as delinquent for fraudulent charges made to my credit card.

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 monetary relief
Consumer complaint received 05-08-2017 about Debt collection (Medical debt) with Holloway Credit Solutions (AL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX   XXXX   XXXX   in  XXXX  Alabama has put a bill into collection on my credit. The bill was for my daughter, who stays in Mississippi and is on  XXXX . The opened date was  XXXX . Account was reported on  XXXX  on my credit. It is a balance of {$370.00} that should have been handled by her  XXXX . Her primary guardian is her mom, therefore I 'm unable to carry her on my insurance which is locally based  (   XXXX   XXXX   )  which is provided through my job. Debt was sold to  Holloway Credit Solutions LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear CFPB, I am trying to resolve a debt collection dispute with this agency, XXXX which is a utitlity company in NYS. For years I have dealt with the unconscionable collection practices of this agency who has not considered that I am a elderly XXXX person and has put my life in serious jeopardy. I filed a complaint with my XXXX and XXXX responded. They have not vaildated that the debt is owed by I, XXXX XXXX XXXX. They have not brought forth the contract expressed or implied written or oral that a debt is due and owing by me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX lower my score by 79 points with no reason. 
Transunion lower my credit score by 73 points with no reason.

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