milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-04-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. I have a fraudulent and unauthorized XXXX credit card account listed on my XXXX XXXX, XXXX and Experian credit report. The XXXX credit card account ending in : XXXX with a balance of {$6000.00} is fraudulent and unauthorized. The account do not belong to me. I did not apply for the XXXX credit card account ending in : XXXX. I have never applied for a XXXX credit card 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 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
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 located at XXXX XXXX XXXX XXXX, XXXX, South Carolina is a Predatory Lender. I purchased used car a XXXX XXXX XXXX for {$9000.00} with cash payment down of {$2000.00} making the financing by XXXX XXXX XXXX for {$7000.00}. 

Due to Financial Difficulties I did a Voluntary Surrender of the car back to XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX took a {$7000.00} car and sold it for {$2000.00} at an Auction and billed me for the balance of {$5000.00} now on this date of XX/XX/XXXX the {$5000.00} balance has grown to {$5900.00}. 

I want an Investigation Into the Criminal Fraudulent Activities of XXXX XXXX XXXX in trying to Collect Double what the car was financed. 

Selling a {$7000.00} car for {$2000.00} was a giveaway and XXXX XXXX XXXX didnt try to collect the Market XXXX XXXX Value of the Car. 

Waiting for your reply. XXXX XXXX XXXX should not be In business. Right at this point they are in the Business of Predatory Lending and Cheating their Customers. 

Any resale of a repossessed vehicle must be conducted in a commercially reasonable manner. Your creditor doesnt have to get the highest possible price for the vehicle or even a good price. But a resale price that is below fair market value may indicate that the sale was not commercially reasonable. Commercially reasonable may depend on the standard sales practices in your area. A creditors failure to resell your car in a commercially reasonable manner may give you a claim against that creditor for damages or a defense against a deficiency judgment

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Consumer Loan (Vehicle loan) with DriveTime (IN).
Issue: Problems when you are unable to pay

Complaint: I have asked my car lender to work with me so I would not fall behind on my payments or lose my car during this time while I am on unemployment but they are refusing to provide any type of assistance regardless of my consistent payment history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Back in XX/XX/XXXX my credit report showed a inquiry from XXXX XXXX. I never applied or ordered anything from them. I called them and XX/XX/XXXX they sent me a letter stating they sent a letter to all 3 bureaus to remove it. I faxed Equifax a copy of the letter to the dispute department and I disputed it online. I contacted them several times and they never removed it. So I filed a complaint with you all. I have been working with XXXX XXXX, Trade Practice Specialist Better Business Bureau Serving Metro XXXX , XXXX & XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX is not attempting to solve my problem. This has been going on Since XX/XX/XXXX. I spoke with XXXX again They said they sent and update 3 times to have this inquiry removed from my credit report. I spoke with Equifax and they said they do not remove inquires. I am very angry. this should not be on my report if it does not belong to me. I have never applied with XXXX or ordered anything from them. So why should this be on my report? Again I inquired about this in XX/XX/XXXX. I got this email Complaint ID # : XXXX Business Name : Equifax , Inc. You recently requested our help concerning a problem with the company named above. The company has not responded to BBB to date. If you have heard from the company please contact our office using the link provided or return this letter via mail. XXXX Please use the following to log in : Case ID : XXXX Password : XXXX Sincerely, XXXX XXXX XXXX Trade Practice Specialist. Sent me another email saying You only filed your complaint in XX/XX/XXXX, it is with Equifax now and as soon as we get a response it will be forwarded to you. It should not take this long to investigate something that does not even belong to me. Your attention in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have gone through a divorce and my income has been severely reduced. I reached out to PNC Bank to inquire about getting some type of relief via a forbearance and was not offered any assistance. I have not been able to make my payment for six months and PNC refuses to negotiate with me and worse yet is charging me late fees every month. I have listed my home for sale and informed them of this as well. I am hoping you can help me to get some type of relief with PNC. I would like all fees waived and credited and for them to see if any type of relief is available.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I attended XXXX College and it was closed for fraud. I have reported this issue and XXXX  says they do not see school as closed. They keep reporting to my credit that I am not paying loans.

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 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: There are inquiries that I did not authorized on my report. I called TransUnion and E-mail and sent letter to them. I gave them the police report number for the case. XXXX XX/XX/2016 XXXX XXXX XX/XX/2016

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 07/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This information is on my Credit report. XXXX Docket # XXXX File Date XXXX Released date XXXX Amount {$530.00}. This is all the information that I have, I know nothing about this debt and would like it removed from my Credit Report. I do not have any documents regarding this because I have not lived in Indiana since 2010. I have nothing with this information regarding this debt. I have searched Indiana State wide data base, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX This information is not in any of their systems.

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 10/24/2017 about Debt collection (I do not know) with Emmett L. Goodman, Jr., LLC (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: The Law Offices of Emmet L. Goodman, Jr. LLC ( located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX ) operating as a debt collector has attempted to collect by garnishment a ten-year old judgment that is barred by the Georgia seven-year statute of limitations arising out of a lawsuit that was not served on the Defendant. It is submitted that attempting to collect debts that are barred by the statute of limitation is a pattern and practice of this law firm as well as other debt collectors which should be barred as a deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: I have been having an ongoing issue with Chase bank. Chase bank closed my account and applied overdraft fees to my account. After doing further research I reminded them that I have always refused their " overdraft protection '' and it would have been impossible for my accounts to have accumulated overdraft fees. After inquiring about these fees, I was sent a very intimidating letter offering me a settlement to pay off the fees at a discount, and threatened that I would never be able to open an account again, as well as threatening to harm my credit. Chase is practicing illegal banking procedures and I want to sue them and hold them accountable for their actions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-05-2017 about Debt collection (Other debt) with AFNI INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order XXXX to make recompense and pay redress and compensation for their trespass against me. XXXX has been attempting to extort and rob me using deceptive, false and misleading, abusive practices against me personally, my family and my household. This is criminal activity at least and is unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt  unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name. 18. Invasion of Individual and Family Privacy

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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: Called and disputed online on multiple occasions about fraudulent inquiries and an account from XXXX  XXXX that is not mine and that i did not authorize.

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 05/18/2017 about Debt collection (Other debt) with NCC Business Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The collection agency is attempting to collect on a debt that I do not owe to the original creditor. The collection agency is aware that this is a debt that was subject to a lawsuit in small claims court. I won a judgment and was declared not to owe anything to the original creditor. The original creditor owes me monies. The collection agency is aware that this is a disputed debt and has yet to validate the debt despite repeated request to do so. I have attempted to work also with the credit reporting agencies to remove the debt from my credit to no avail. The collection agency keeps reporting and updating my credit report with negative information about this disputed and invalidated and fraudulent debt. I have had financial issues due to this ( have been denied credit, have received a higher interest rate )

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 11/14/2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (LA).
Issue: Managing the loan or lease

Complaint: My vehicle was declared a total loss in the XXXX XXXX, LA floods. My insurance made a short insurance payment for XX/XX/2016 ; there was still a remaining balance of roughly XXXX to be covered by gap insurance. I reversed my automatic withdrawal car loan payment for XX/XX/XXXX because I thought the insurance payment of XXXX would cover it. Now Chase bank has reported that I am behind on my car payments and this is unfair. Please help me. I 've never missed a payment on any of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I filed a complaint on XXXX XXXX, 2017 that XXXX is reporting erroneous information on my credit report from XXXX XXXX XXXX XXXX and they closed the complaint and responded that the account is in litigation which is not true. I have filed an identity fraud complaint with the Federal Trade Commission several months ago because erroneous information keep appearing on my credit reports. I would like to have this matter resolved before taking the next step of filing a complaint in court because the credit reporting agencies were aware that I am a victim of identity heft, yet they continue to report erroneous information in my reports, which is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/27/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I was approved for a loan modification ( HAMP ) by OCwen loan servicing. I paid the 3 month trial payments on time and was told I would get a permanent modification. I signed and returned the paperwork on time. I was told they needed the paperwork again. The first time I questioned this, they said I had not dated the paperwork. I told them my copy was dated, so their copy had to be dated. then they said the dates did n't match the notary date. I sent the paperwork again. They are not making the modification permanent and in the meantime they are still reporting me to my credit report as delinquent. I am still getting collection calls and paperwork in the mail. I was making my mortgage payment through their online payment option. They have now disabled that option for me. The last payment I made over the phone for a fee. I ca n't refinance with another company because I am still delinquent, even though I am not. I do n't know how to get them to make the modification permanent.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In the summer of XX/XX/XXXX, I was asked to leave the campus of XXXX XXXX University ( XXXX ) in XXXX, TX due to a XXXX XXXX XXXX issue. I was, at the time, living in a set of apartments on the campus of XXXX that were owned by XXXX XXXX XXXX, XXXX. The property on which the apartments were located was owned by XXXX and so when I was asked to vacate the XXXX property I was forced to leave my apartment due to it being geographically located on XXXX property. I did not do anything to break the lease agreement of the apartment complex and I reached out many times to verify that they had filled my " unit '' to which I could not get an answer from the management service themselves. These apartments were leased out by the room in a " pot-luck '' roommate fashion and so I really only rented out one room or " unit '' in that apartment. Upon my departure, I confirmed with one of my previous roommates that my " unit '' or bedroom had been rented out to another tenant just under a month after my vacating the premises. My last payment to XXXX XXXX XXXX was in XX/XX/XXXX or XX/XX/XXXX but the date that the account was reported to be open on XXXX, Transunion and XXXX is XX/XX/XXXX. This account has been on my credit report for nearly seven years, in error. I have since received treatment for my XXXX XXXX XXXX, I have been in recovery from all XXXX XXXX XXXX for nearly 4 years and am currently in the process of getting ready to purchase a home. I discovered that the remainder of the rent that I would have owed if I stayed in that apartment had been reported against me to the credit bureaus, such as XXXX, Transunion and XXXX, and I now have a {$4400.00} charge sitting on my credit report. I have done some research and found that the apartment complex is not allowed to collect double rent on any unit at any time. I feel that these fraudulent charges have been placed on my credit report in error.

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 04-05-2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Several accounts were opened using my information in the past as an act of fraud. This fraud was likely committed by an ex significant other who managed our finances - though I do not know who for certain. I believe an ex significant other treated my credit as an extension of theirs - managing the credit until the relationship ended. Once it ended, many cards were suddenly opened, immediately maxed and all of the existing accounts stopped receiving payments. 

I have alerted several companies to this and many have updated their records. It appears XXXX accounts in this office are part of this. I do not know of the accounts in their office. XXXX only provided verification ( after XXXX requests in writing ) once a XXXX complaint was filed. As verification statement photocopies were provided to me but the activity on the account and statements I do not recognize. 

These accounts were listed on a notarized Federal Trade Commission Identity Theft Complaint and Affidavit. Despite this, Cavalry continues to report inaccurate data on my credit report using it as leverage in a sick attempt to force payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/16/2015 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: After the past several years of XXXX, starting at the height of the subprime mortgage crisis, my wife and I have been through hell with our property in XXXX. Everything from a neighborhood turning into a criminal wasteland because of everyone walking away from their bad investments, to wasting our money on lawyers and loan mitigators, to our home eventually being foreclosed upon. Somehow the foreclosure was not the end of the story. A debt collector, Specialized Loan Services, has been attempting to collect a large sum of money from us. 

In short, we began with XXXX, ended up with XXXX XXXX XXXX, and now Specialized Loan Services ( although according to real estate records our home has been foreclosed upon ). Our problems started in XXXX while I was on XXXX. We walked away in XXXX due to a significant increase in crime in our once respectable condominium community ( and a 60 % drop in value of our property ), and rented a house in a safe neighborhood in XXXX. There was no way I 'd leave my wife and daughter in such a failed and unsafe community that our XXXX neighborhood became. 

This year after returning from another XXXX, we learned our property was foreclosed upon around XXXX, and are still being hounded by the debt. This has severely impacted our credit reports and have further professional implications as well. I have n't had time to tend to this problem until now. We need some help! 

Please let me know if you need further data. I have a tons of documentation that include the Trustees Deed of Sale.

Company response to consumer: Closed with explanation