milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I pulled my report from a monitoring service so that I can start the process of getting a vehicle loan for my trucking business and I have several Federal Government Loans on my report that are n't mines at all. I am filing this initial complaint being from several hours researching I came across your website information about consumer financial protection bureau. There are 6 accounts that show several 120 late payments from these accounts that I do n't have and not aware of and I am demanding that all accounts be deleted & removed permanently from all 3 credit bureaus - Experian, XXXX XXXX , & XXXX based by the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970.

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 10-05-2017 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: Public record information inaccurate

Complaint: PUBLIC RECORDS HAS XXXX ITEMS, XXXX YRS IS HERE AND SHOULD BE REMOVED FROM EQUIFAX CREDIT REPORT Reported on XX/XX/XXXXDischarged XXXX SECONDLY,, XXXX XXXX Account Info ERRONEOUS INFO, NO ONE WILL LET ME KNOW WHAT THIS IS.. 
Reported onXX/XX/XXXX BALANCE {$520.00} XXXX Date Filed Reported onXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/13/2017 about Debt collection (Auto debt) with EQUIFAX, INC. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Equifax has reinserted an account on my credit report without a 5-day notice which is against the FCRA. The credit bureaus must notify you within 5 days of the re-insert date. Equifax has continuously done this on my credit report and its greatly affecting me and my credit. I 've attached the re-reported account to this complaint. On XX/XX/2017, I discovered XXXX XXXX XXXX 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 12/22/2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: my identity was stolen i want this to be remove from credit report thank you Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX CHECK DISPUTE STATUS Creditor Information CREDIT PROTECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 07/15/2016 about Debt collection (Medical) with GLA Collection Company, Inc. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Glad debt collection has turned in negative remake on my credit report. The debt they are attempting to collect was voluntarily direct deducted from my payroll check by the company that charged me. have not contacted me in writing about the debts. They have not provided me any proof that I am responsible for said debts. They have not provided me any documentation tat I agreed to pay the original debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: this is not my accounts and it is fraud please remove.

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 06-11-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I attended a similar private school like XXXX, called XXXX College ( in XXXX ). I attended XXXX College after being brain washed and convinced by all the commercials in the early morning shows, such as " XXXX XXXX '' and " XXXX XXXX. '' I was young and naive. After the tour, and all the successful stories told by the sales person ( lies of course ), I soon applied. A XXXX realized that the school was not accredited by the state and my credits could not be transfer to other colleges. I should 've got the hint when the whole night class would meet and gather in the conference room every few months and speak about transferring to XXXX XXXX or XXXX. Which of course the dean ( principal ) of the school would answer with a " that is a work in process. '' This whole time I was mislead by the sales people, teachers, and financial aid personnel, thinking I would a get XXXX in " XXXX XXXX '' in XXXX YEARS! Later to find out it was NOT TRUE. That certificate/diploma would not be recognized by employers because it was not approved by the state as an official XXXX. 
XXXX months, {$20000.00} ( school fees ) + {$12000.00} ( interest XXXX ) dollar in private loans, and debt later, I realized this school was a scam and quit attending XXXX College. 
XXXX, XXXX XXXX, now with Navient should not associate themselves with corporate companies that take advantage of low income students.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I have settled my debt on a lower amount and although it has been legally handled with my lawyers it has still affected my  credit score, hara ssment at work, and daily life. Naive has pushed me to the darkest depth of  XXXX  and the continued issue of them incorrectly handling and not communicating account changes has been an issue for 3 years. The  XXXX  of this situation on someone beginning life has pushed me to the brink of ending it all. What type of life can you live with bad credit, and no way out of the  black  hole, and o ver 15k mo re in debt than any loan you received ... .that your mother applied for. This company ruins lives without any glimpse of caring. Bless the others who suffer from  XXXX  and are on the radar o f Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax credit report associated with errors, and it seems that the accounts & inquiries are also fraudulent. I am a victim of identity theft and I have been identified for someone else with the same exact name as mine. XXXX XXXX is associated with several people in my state. These accounts we 're once removed and has been place back on my credit report. It is definitely an error on the credit bureau part. This is all the information I can provide at this time. My lawyer will be contacting you in a few days to resolve this matter with my name being misused, placed aside fraudulent error accounts and inquiries. XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Bridgecrest Acceptance Corporation (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In regards to the Bridgecrest auto loan that was paid in full, there were two 30 day marks added on XX/XX/XXXX & XX/XX/XXXX. I was in an auto accident and the car was totaled at the end of XX/XX/XXXX. On XX/XX/XXXX, my  insurance agency XXXX sent a check to pay the account off out on XX/XX/XXXX. On XX/XX/XXXX I received  another notification from XXXX that a new check was resissued to Bridgecrest as the original check dated XX/XX/XXXX was never received by Bridgecrest due to XXXX sending the check to the wrong address. This in no part is my fault and the two late marks received should not be on my credit. I have asked Brdgecrest to  correct the reporting and they state that they have no capabilities to make the corrections which I know is not true. I am a Veteran trying to purchase my family a new home and these two false late marks are keeping me from doing this. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 submitted a request to Transunion to remove the Tax liens on my account. They have been paid in full and released for years. I called the WV Compliance division to ask for a withdrawal statement and they told me they have no such form that once the lien was satisfied the copy should be sufficient for them to remove. WV Compliance told me to file a dispute with the credit reporting agency and provide the copy of the release that states the debt has been satisfied pursuant to the WV code. I sent in copies of all such liens and Transunion sent me back that they completed my request and the information was updated. I needed them removed so that it wo n't hender me with employment. Also, I disputed a credit collection for an XXXX bill that we did n't even receive until it was already turned into collection. We moved and did not receive the bill. We paid the bill in full as soon as the collection company showed up on my report but they did not remove it only updated that it was paid.

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 10/17/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Closing/Cancelling account

Complaint: I had an existing Master Card issued by USAA bank. Without any notice it was changed to a Visa card. They advised this was a " business decision ''. I currently have another visa card. I advised them I wished to close my account and was advised this could negatively impact my credit score by as much as XXXX points. This is wrong for USAA bank to do this and worse that my credit score would be impacted by cancelling a duplicitous card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Both my husband and I have tried to order our credit report from the XXXX website. Both attempts ended in an error or the report not being available. My request was for XXXX and my husbands was for XXXX. Please correct this problem so we can get copies of our reports.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Credit reporting () with Innovis (MO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: To many of the same inquiry in less than XXXX days please removed

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (Other debt) with National Credit Systems,Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company is trying to collect debt that is not owed. Me and my attorney pointed out all the wrongs they are trying to collect on and we have not heard from them from the last dispute and it has been over 30 days. I do not owe them anything and have never done business with them ever. I want this company investigated. Ask them to send you what they sent me and you will see it makes no sense. They are scamming consumers.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. (PA).
Issue: Other transaction problem

Complaint: Woke up to an overdrawn bank account on the morning of XX/XX/XXXX. As it turns out Coinbase double charged my account {$1000.00} plus an {$8.00} ISA Fee late at night on XX/XX/XXXX. My last successful transaction was XX/XX/XXXX for {$1000.00}, which leads me to believe this is a double charge. This problem has affected numerous people internationally, and Coinbase support has been non-responsive. Last night they blamed XXXX for this issue while this morning XXXX has come out and said this issue is on Coinbase. It seems no one has had any succesful communication with Coinbase Support, and their social media accounts are only replying with cookie-cutter responses. I fear this may be a scam or hack.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I disputed items on my credit on XXXX/XXXX/16 directly with TransUnion stating information was incorrect. There investigation came back that everything was verified and correct. I stated that the accounts were not mine, as I knew because the balances reflecting on my credit bureau were incorrect. TransUnion instructed me to reach out directly to creditors and file a complaint with CFPB, which I did. I have attached documentation. 

XXXX XXXX came back indicating a completely different balance than the credit report agency is showing, which supports my claim that this account on my credit report is not mine and needs to be deleted. .The account TransUnion is reporting as mine has a balance of {$11000.00}. The account XXXX XXXX has for me has a balance of {$15.00}. I submitted all this documentation over to TransUnion, to notify them I had documented proof that the account that they were reporting was not mine. Their solution was to contact XXXX XXXX and update information. 

TransUnion has violated my rights under the Fair Credit Reporting Act ( FCRA ) which is designed to protect the privacy of consumer report information and to guarantee that information supplied by consumer reporting agencies ( CRAs ) is as accurate as possible. I had furnished proof that the information Transunion is reporting is in accurate and they refuse to delete it. Which is a violation carries a fine up to {$3500.00} per the information I found on FTC website. 

I have attached over all the documentation I have sent to TransUnion. This situation is causing a lot of undue stress and financial hardship. XXXX XXXX sent over a letter providing me the account balance information, which does n't match anything the credit bureau is reporting. I have attached my TransUnion credit report from XXXX XXXX, so that you can see the incorrect XXXX Account that TransUnion refuses to delete.

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 08/31/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: this is a continuation of complaint number XXXX after 3 attempts to get Bank of America to refund the XXXX cited in the previous complaints, the money was returned to me via a credit memo : XXXX/XXXX/2015 XXXX/XXXX/2015 Credit MemoXXXX for check number XXXX. 
XXXX XXXX $ XXXXThis is the money that Bank of America claimed they had not received on three occasions. The XXXX was instrumental in obtaining the refund and I have nothing but high praise for them. Regards Bank of America, their adamant denial of not having received the money was simply not true. I sent copies of the back and front of the check and they STILL maintained that they had not received the funds. I still feel that Bank of America collected on an account already paid in full and their denial of receiving and entering the payment is a violation of good business practice and the fair credit act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Selip & Stylianou, LLP (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was sued with judgment from a collection agency Eichenbaum and Stylianou- XXXX XXXX. I did begin paying after receiving documents filed in XXXX and threats via phone by the company representative, XXXX XXXX XXXX that there would seize everything in my possession and be a lien and garnishments from my bank account and However, on XXXX XXXX, XXXX I received another letter from a different agency for the same collection. This peaked my curiosity. So, I then contacted the phone company which no longer had records of this bill from XXXX. I contacted E & S advising that I would cease payment that the phone company had no records of and that another agency was also trying to on for a different amount beacause I had felt that this had seem fraudulent. In XXXX, a judgment was entered for {$1700.00} for breach of contract. In which I was unemployed at the time. However, I was told that I still must submit a payment.. I contacted the courts and submitted a letter to the court and E & S advising of my employment status. 
In the past year XXXX E & S now changed to XXXX ( XXXX XXXX ) has contacted my relatives looking to collect this debt. My address has not changed. This debt is neither in my credit report nor in public record. A few days ago I received a letter for garnishment of wages. So, I contacted my local court whom advised that the docket has not changed since in over 6 years - yet their letter refers to the docket from when it was filed XXXX and updated in XXXX. So, I really do n't find their collection practice as being legal as 1- the phone company has not record of this. 2. Another collection agency was trying to collect on it. 3. Courts has no updated info regarding the suit nor of a garnishment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: PORTFOLIO RECOVERY ASSOCIATES XXXX XX/XX/2012 I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My identity was stolen while I was stationed at XXXX XXXX, XXXX, in the United States XXXX. 
An individual residing at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX opened an account with XXXX using my SSN. I contacted XXXX and informed them that I did not live at this address and that I currently resided in XXXX not XXXX. They told me they would remove the credit inquiry from my credit report after I submitted the police report to them. 

I faxed them the police report and also submitted a dispute with Equifax about this inquiry, but about 6 months later the inquiry is still on my credit report. Equifax is also reporting this incorrect address of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX which puts me at further at risk for identity theft. 

I would like Equifax to remove this incorrect address of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and remove the credit inquiry from XXXX dated XXXX/XXXX/2014 from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with fraud alerts or security freezes

Complaint: REMOVE THE SECURITY FREEZE ITS PREVENTING ME FROM APPLYING FOR CREDIT AND ALSO I CAN NOT REVIEW MY DISPUTES ONLINE WITH EQUIFAX, TRANSUNION OR EXPERIAN DUE TO THE SECURITY FREEZE REMOVE IT I DID NOT ASK FOR IT YOU PPL ARE XXXX  ME OUT.

Company response to consumer: Closed with explanation