milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I noticed on my XXXX report that there are multiple inquiries that were not authorized by me. Here are the inquiries. 1 : XXXX XXXX XXXX XXXX/XXXX/XXXX 2 : XXXX XXXX XXXX XXXX/XXXX/XXXX 3 : XXXX XXXX XXXX/XXXX/XXXX 4 : XXXX XXXX XXXX/XXXX/XXXX 5 : XXXX XXXX XXXX/XXXX/XXXX 6 : XXXX XXXX XXXX/XXXX/XXXX 7 : XXXX XXXX XXXX/XXXX/XXXX 8 : XXXX XXXX XXXX/XXXX/XXXX I think their is someone apply for things with my information and I would like these removed and an investigation be started if that 's possible.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The debt is not my. No payments were made by me on the account. I have been XXXX ( military ) during this time and ask the company to stop harassing me with letters. It has been several years later now. I still get the letters.
I did not receive the product or service provided by PayPal. I have sent replies back disputing the error. I have made two phone calls ( overseas ) to try and resolve this. The outcome has not been good. The initial charge was {$40.00} or {$50.00} USD. Now the want {$320.00} USD to resolve this issue. As soon as I found out about the account, I closed it. My bank did not pay the amount after investigating the issue. My bank was the reason I found out about it.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Credit card protection / Debt protection

Complaint: I have been banking with Bank of America for more than XXXX years and had no issues with them until recently. Several years ago, they enticed me into signing up for a preferred debit card. They explained to me that this card could be used as a credit and debit. When I would use the card to purchase items, some stores would swipe it as a credit card and I did not have to enter my PIN as they say they were not equipped to use it as debit. I thought that I had no other credit card with the Bank as it was a part of the XXXX card. In XX/XX/XXXX when XXXX XXXX through XXXX of its subsidiary, XXXX was charging {$29.00} to the card ending in XXXX, the Bank was automatically doing a direct debit from my account. When I reviewed statements, and only saw a direct debit payable to FIA Card Services, I thought it was the amounts which were charged to my card when the stores could not debit it. Since I did not anticipate charges on any other card, I did not question the bank as I trusted them. I do n't recall authorizing the Bank of America to debit from my debit account any amounts from a credit card ending in XXXX. I do n't understand how this happened. When I discovered a scam on my debit card in XX/XX/XXXX I went to the branch of Bank of America at the corner of XXXX XXXX and XXXX. I cancelled my debit card and asked the manager, XXXX for a payoff amount to pay off the outstanding amount on the debit card. The manager told me that there was a separate card out there that only a XXXX was charging {$29.00} a month to since XX/XX/XXXX. I could not believe it and immediately called XXXX and the Bank 's fraud department and everyone to help me straighten it out. XXXX XXXX XXXX XXXX XXXX returned XXXX of the charged to the account and approximately XXXX are outstanding. I spoke with many managers and customer service representatives of the Bank and they say they can not help me. Their fraud department said it is not fraud. If it is not, they must be in concert with XXXX or XXXX. I requested an account of all charges ( what items were purchased ) for the amount that the Bank say is outstanding on the card ending in XXXX and to date the Bank have not provided me with that. The last person I spoke with at the branch bank, XXXX said that the Bank of America and the credit card division is separate entity and they can not help with them even though it is someone at the branch bank who signed me up for the card ending in XXXX. I do n't understand what is going on, but please have the Bank go after XXXX for whatever they claim is owed to them. They keep on harassing me for payment. The Federal Consumer Protection Agency and FTC said that the FTC have a settlement claim against XXXX and Bank of America, yet Bank of America refuses to give the form the Federal Consumer Protection Agency instructed me to get from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Credit reporting () with LEXISNEXIS (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have some concerns about records Lexis Nexis is furnishing to the credit bureaus. I do n't think the information is accurate. 
I have contacted the court and they did not furnish this information to XXXX. This accounts are not mine and XXXX sent me a letter attached as to the furnisher of the information. This is third hand information and hearsay. They did not verify this account as the address attached to this filing is not even mine. There are additional inconsistencies that I have advised XXXX of in my consumer legal action. 

I disputed the accuracy with XXXX and the results of their investigation and it shows that you claim to have verified this account. Since you claim to have verified this account, I now have the right to have you prove you are furnishing accurate information to my credit reports. 

Here is what I am now demanding : Please provide copies of the actual documentation you used to " verify '' this account with the credit bureaus and to update XXXX to remove these records.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Debt collection (Non-federal student loan) with JH Portfolio Debt Equities, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I did n't open a loan in XXXX of 2015 at 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 09-11-2015 about Debt collection (Credit card) with Northstar Location Services, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My prior complaint regarding an unauthorized XXXX XXXX has transgressed into aggressive collection by a XXXX XXXX XXXX North Star Locators XXXX. My wife as well as my employer have now XXXX received collection type phone calls regarding this erroneous account. I have received a letter from North Star telling me to respond within the next 30 days. This is my official response to them as well as XXXX. I have not intention of contacting either directly as the error is on their side, I have not authorized any account in my name through either institution. Any phone correspondence should henceforth cease. The error has been previously acknowledged by XXXX and the account was closed as a result. I previously requested some form of account validation and have received nothing but continued harassment for the past 6 months.

Company response to consumer: Closed
Consumer complaint received 02/13/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I needed to pay off my XXXX credit card placed at Midland as a requirement for a new job. I needed to have the debt paid and provide a letter showing I paid the debt for my security clearance. I paid the settlement Midland ands I agreed upon, however Midland still shows the account with a balance due on my credit report, the letter I received does not state the account is paid off and I requested a letter stating on their letter head the account is payoff to provide for my employer and they refuse. I was told to use their website to show the balance is zero, but it only states I need to call to request information on the balance. I attached the screen shot. Midland used deceptive, misleading and false statements to get me to pay off the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Money transfer, virtual currency, or money service (International money transfer) with PAYPAL HOLDINGS INC. (OR).
Issue: Fraud or scam

Complaint: Hi, On XXXX XXXX 2017 I transferred money ( XXXX or {$400.00} USD ) to someone in XXXX XXXX, who goes by XXXX XXXX XXXX XXXX XXXX to purchase a XXXX XXXX XXXX music controller used. I 've since found out that the person has committed fraud with other consumers on the forum and I then tried to cancel the transaction with PayPal. The seller convinced me to use " Friends and Family '' to transfer the money which offers no protection to the buyer. PayPal refuses to do anything and I have no recourse to collect my money. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Cornerstone Holdings, Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have disputed a dental bill on my XXXX credit report. It was denied due to dental office provided record of my visit. I called dental office as well as cornerstone credit to explain my dispute. I did not deny visit my problem is this. 
1 ) the bill was sent to an address I lived at in XX/XX/XXXX so I did not know it existed. My husband and I currently use this dentist and they have our updated address so I dont know what they mailed something to an address from XX/XX/XXXX. 
2 ) the dentist at the time ( who is no longer with Office ) saw me to look at a XXXX he made that was giving me problems. He told me there was no charge due to circumstance of it not fitting properly. I was given the option to send to the lab for a few days with charge of around 500.00. I declined at the time because I couldnt afford it and did not want to be without it for 3 days at work. He put a temporary repair on it no charge until I could get a permanent fix. I did not know of or expect a bill for this. 
I disputed and was denied due to dental office providing proof of service I resubmitted dispute under the information I just provided to you On XX/XX/XXXX The estimated time for dispute under XXXX web sight for investigation to be complete was XX/XX/XXXX. Checking the status of that dispute it was never completed by XXXX. As of today XX/XX/XXXX conformation # XXXX Is still showing a pending status and has he ever been investigated. I did resubmit a dispute XX/XX/XXXX for the same debt and it was denied again. I believe my dispute should be granted due to the fact that the XX/XX/XXXX dispute was never completed properly according to my rights as a consumer their job was to investigate and complete investigation within a timely manner. It has not been completed as of this day. As far as my most current dispute on same credit issue I am disputing the conversation the doctor and I had about not charging me for the visit, as well as the mail not being sent to the appropriate address. The staff in the office currently are all mostly new as they had a huge turnover since my XX/XX/XXXX visit. When I talked to a lady in reception at dental office she encouraged me to dispute this, as according to her files are so messed up from old staff, I am still trying to fix things, we have found so many errors its a nightmare. I wanted the dentist no charge promise investigated and the problem regarding mail not being accurately mailed to me to be looked at I would like my disputed granted due to incomplete investigation from XX/XX/XXXX and would like proof of current dispute that was denied was investigated properly.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Company stated my information was not specific, I sent additional Documents on XXXX, including Police Report, Affidavits, also notifying Equifax not to respond to me by email but company continues to do so. company sent letter stating they will not comply to CFPB guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Cap One is reporting an unpaid balance and reoccurring delinquency dates for two cards that they canceled the debt on and issued me 1099 's for in 2015 to pay taxes on as income. They are illegally reporting these items still after all these years. 

See the screenshots of the 1099 's and recent credit report attached for the two accounts ending in XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are several issues regarding the reporting on my credit file on all three of the Bureaus reports. These misreported items have made it impossible for my XXXX XXXX to get a loan to purchase a new building which we are in desperate need of. Equifax has also re-reported old information which affected my score in a very negative way and then it took months to have it removed after I had already paid an attorney to help me remove it the first time. I have no outstanding debt and always pay everything on time yet my credit score is below XXXX. 

In in XXXX of XXXX a charge-off from XXXX XXXX XXXX was reported. It shows as a derogatory mark, this is misreported. In fact The debt to my second mortgage was forgiven and I have documentation to prove that ( see attached ) In XXXX of XXXX a closed Mortgage account was reported. It states that the account was 120 past due. The account was closed with a XXXX balance because the home was sold, however the manner in which it was reported shows it as derogatory. The home was sold in a short sale and I have documentation that shows that I made all of my payments on time as directed by the bank, some payments were stopped during the sale. 

On XXXX XXXX I received an alert from Equifax that there was a change to my credit report. 
To my horror I saw that they had reported an old tax lien and it was back on my credit report. I had actually paid off the IRS and paid a lawyer to help me remove this item from my report it was removed successfully so when I saw that Equifax had put it back on I immediately contacted Equifax. I was not able to get anyone on the phone and disputed the error via the internet.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Debt collection (Other debt) with EOS Holdings, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: OnXX/XX/XXXX2015, I took out three phones from XXXX with a family plan. A week later, I returned all three phones on the store, located at XXXX, XXXX County, Florida because the phone connections do not meet our expectations. Since I returned my phones to XXXX because the expected signals did not meet our family expectations, and I paid the appropriate fees for that transaction, and I am not obligated to pay anything to this company. However, XXXX has tried to collect a debt of {$830.00} with different collection companies. They have hurt my credit inappropriately and despite my phone is placed in " Do not call list '' they are continuing calling me looking for the " supposed '' debt. Despite, I have sent several letters requesting a Video recorded analysis in the store in which the supposed transaction was done, they have omitted this fact and they just send me bills with no signatures with my name at the top. Please, investigate this complaint and have them to remove it record from my credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Mortgage (VA mortgage) with U.S. BANCORP (CA).
Issue: Struggling to pay mortgage

Complaint: I filed a complaint number XXXX, and US Bank rsponded but,. I had three lending specialist who reviewed the correspondence ( Two loan officers and one processor ) seem to take issue with your response in the following areas You claim that your impound department relied upon the county tax record to review my taxes for accurate amounts and balance. I find this interesting as your loan department clearly knew that this was a refinance loan and the purchase price was also a matter of public record. I also find it interesting that your impound department didnt question a XXXX   loan on a property valued at XXXX. I understand that the supplemental tax bills are not sent to the lender, only to the borrower, however one of the loan officers I checked with told me that after 30 days, the supplemental taxes are computed and placed on the tax bill. He supplied me with such a notice which I am attaching for your review. Surely your impound department would have seen the increase and been able to accurately accounted for the correct tax amounts. I agree with you that they origin of mis-information was with the originator, who I now understand was not US Bank, but I hope you understand what an imposition this has been on me to know that I was misled into believing that these matters were taken care of, only to be hit with such a large discrepancy.

While I do not claim to be ab expert on Impound account reconciliation, it strikes me as odd that : Your impound department did not catch the discrepancy between the property tax amount and the amount they confirmed with the countys tax department.

Your impound department didnt calculate the {$490.00} tax amount based on the purchase price of the home or for that matter question the decrease in the tax amount on the loan application or XXXX from the loan officer who originated the refinance.

These discrepancies have caused me a great hardship and may force me to sell the house altogether. I would have thought this is something your bank would have wanted to be on top of. I certainly would have made different choices had I been informed at the time of the refinance what my payment really would be. Believing that it would be {$400.00} dollars less, I made choices which have led me to this point.

As for the relief, I find it difficult to take on all of the blame for the miscalculations of the impound department and the deception of the loan officer from the other company. I am not an accountant and as such am not expected to know when a discrepancy of this magnitude is made. Your employees I assume, have some accounting background. Im told that loans must meet certain guidelines to be originated and purchased. Im curious, with the income I have and the payment of this new loan, did I meet those guidelines?

Please reconsider 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 09/19/2017 about Debt collection (Medical debt) with Bonneville Billing and Collections (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I contacted collection agency and let them know it is not my debt clearly shows XXXX XXXX I have disputed this issue with the bureau and they have not budged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I did a re-fi with First Mutual they then sold it to XXXX which went out of business.I was then contacted by XXXX XXXX XXXX Who stated that My FHA mortgage was assigned to them and that my {$900.00} a month mortgage would be {$2300.00}. I immediately contacted them and told them that since I 'm a Veteran that my mortgage could not be assigned to them without a face to face and authorized by the VA. They then filed foreclosure paperwork through the court. Out of fear and lack of knowledge I paid them until I was financially strapped. My Wife had to have a XXXX which caused me to stop paying XXXX completely I saved up enough money to hire a law firm XXXX XXXX XXXX XXXX. The firm placed me in a XXXX XXXX lawsuit against XXXX and they backed off and stated that my mortgage had been securitized and that Bayview Loans Servicing LLC would be my new servicer. Again out of fear of loosing my home I paid Bayview a total of {$9600.00} {$1800.00} a month for 6 months because they threatened foreclosure via the same debt collector lawfirm XXXX XXXX XXXX that XXXX had used. After paying the 6 month trial period for a modification which the results from the XXXX Bayview sent paperwork to file for a modification that they said I had already been approved for. With lawyer fees and false modification payments I 'm out about {$20000.00} and Bayview is threatening to sue for foreclosure again. Like I stated earlier I 'm a Veteran with a sickly Wife and just want to pay fair market value for my home Bayview states that I owe them {$320000.00} and my home was appraised at {$150000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EdFinancial Services (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have exhausted myself at all levels trying to get an inaccurate collections off my credit that is causing me denials for loans. To start, I have only 2 open student loans with, XXXX XXXX. However, I have to complaints that needs to be addressed ; First, EdFinancial which does not have possession of my loan is still being reported in a derogatory manner and the same loan is now with XXXX too. Creditors are seeing a total of 4 loans when there is only 2 because they have different account numbers. 
I request that EdFinancial remove the negative information thats being reported because again my loans are with XXXX and in good standings and not due until XXXX 2018. 

Second issue is that XXXX XXXX have a status on my report that says, Student loan assigned to government which my lenders views as a negative situation where as Im in financial trouble with the government and this is so misleading. I want that comment removed and my account showing current as it should.

Company response to consumer: Closed with explanation