milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2018 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I applied for a credit card in XX/XX/XXXX in which it approved the following month I had no score because I was new to the credit system. upon checking my credit report I saw that they were there were hard inquiries that I did not make on my report from XX/XX/XXXX. I reaching out to the credit bureau to have it removed but I was unsuccessful, I also tried to reach out with the companies that I saw the hard inquiries were coming from and I was also unsuccessful. 
By the middle of summer when I check my report to see if there were any changes made to report, I found more hard inquiries from financial institutions that I did not place a hard inquiry with. Not only did they place this once or twice on my report but more. I wrote letters to these intuitions but got no response. I placed a security freeze on my account because of the problem and I could not get any resolution to the problems that I was having, but come to see with the security freeze on all my accounts with all the credit bureaus I was surprised when I saw that I am still getting hard inquiries on my Equifax report. 
On my Equifax report these are the inquires for service that I did not request : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: OnXXXX/XXXX/2015 I sent in a credit report dispute by USPS Certified Mail to Experian Dispute Department. And as of XXXX/XXXX/2015 they still have n't started my investigation into the medical collection accounts that I have no knowledge or records of the listed accounts. And since it has been past the 5 Business Days that the FRCA allots them accordingly to 611-15 U.S.C.1681i ( a ) ( 2 ) ( A ) *SEE ATTACHMENT # XXXX. I would like the XXXX trade lines for XXXX XXXX deleted or removed, and/or compensated {$1000.00} for each trade line that was not investigated in a promptly manner accordingly to the FRCA1681i ( a ) ( 2 ) ( A ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Debt collection (I do not know) with American Credit Adjusters (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They keep calling me, made phone contact at least XXXX times. they said the wrong persons name to me both agreed it was not me.They said the calls would stop. They did not I have blocked there number XXXX times they change the number and keep calling even changing their name!

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: failure to adhere the proper notice requirements for periodic statements when the borrower is 45 plus days past due as listed below. 

DELINQUENCY INFORMATION. 
If the consumer is more than 45 days delinquent, the following items, grouped together in close proximity to each other and located on the XXXX page of the statement or, alternatively, on a separate page enclosed with the periodic statement or in a separate letter : The date on which the consumer became delinquent ; A notification of possible risks, such as foreclosure, and expenses, that may be incurred if the delinquency is not cured ; An account history showing, for the previous XXXX months or the period since the last time the account was current, whichever is shorter, the amount remaining past due from each billing cycle or, if any such payment was fully paid, the date on which it was credited as fully paid ; A notice indicating any loss mitigation program to which the consumer has agreed, if applicable ; A notice of whether the servicer has made the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process, if applicable ; The total payment amount needed to bring the account current ; andA reference to the homeownership counselor information disclosed pursuant to paragraph ( d ) ( 7 ) ( v ) of this section.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Portfolio Recovery Associates accepted payment to close the account but continue to report inaccurate information to all XXXX credit bureaus. Portfolio Recovery is knowingly reporting false information to the credit reporting bureaus after accepting and depositing a check as final payment. I have disputed this account by providing the original letter and cashed check as paid in full however they ( Portfolio ) continue to report to the credit bureaus as a balance. Portfolio Recovery has stopped all attempts to communicate after check was cleared. This account is further negatively affecting my credit report and score due to this company 's false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Dear EXPERIAN : I XXXX XXXX XXXX, a women, respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the following item ( s ) is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete all disputed item ( s ) listed below. 

ADDRESSES : ( 1. ) XXXX XXXX XXXX XXXX XXXX, AR XXXX : I DO NOT LIVE THERE ( 2. ) XXXX XXXX XXXX XXXX, AR XXXX : : I DO NOT LIVE THERE The following item ( s ) is inaccurate and negatively effecting my credit. Please reinvestigate and delete ALL item ( s ). I respectfully request that you provide me with proof of the disputed item ( s ), specifically any contract, applications, note, court documents or any instrument ( s ), bearing my wet ink signature. Failing that, you must delete ALL item ( s ). 

NON ACCOUNT INQUIRIES LESS THEN 30 DAYS OLD : ( 1. ) XXXX XXXX Date Filed - XX/XX/XXXX Type - XXXX XXXX XXXX   Phone Number - ( XXXX ) XXXX Address - XXXX XXXX XXXX ( 2. ) XXXX Date Filed - XX/XX/XXXX Type - XXXX XXXX Phone Number - XXXX XXXX XXXX XXXX Address - XXXX XXXX XXXX ( 3. ) XXXX XXXX XXXXXXXX Date Filed - XX/XX/XXXX Type - XXXX XXXX Phone Number - ( XXXX ) XXXX Address - XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. ) XXXX XXXX XXXX Date Filed - XX/XX/XXXXType - All Banks - non specific Phone Number - ( XXXX ) XXXX Address - XXXX XXXX XXXX XXXX ( XXXX. ) XXXX XXXX I Date Filed - XX/XX/XXXX Type - XXXX XXXX Phone Number - ( XXXX ) XXXX Address - XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX Date Filed - XX/XX/XXXX Type - XX/XX/XXXX Company Phone Number - ( XXXX ) XXXX Address - XXXX XXXX XXXX It is my understanding that under law you have 30 days from the receipt of this letter to validate these item ( s ). It should be understood that failure to do so within the 30 day period constitutes reason to immediately delete this item ( s ) from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item ( s ) has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

XXXX XXXX XXXX XXXX XXXX AR, XXXX Sincerely,

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 09/21/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (KS).
Issue: Application, originator, mortgage broker

Complaint: I have been residing at my home for at lease 10 or 11 years and never file an insurance Claim welsfargo is my home mortgage Loan Bank I 've made an insurance claim due to Hail Damage on Roof XX/XX/2016 I received a Check from XXXX XXXX XXXX XXXX made out to me and Welsfargo For the replacement of Roof and other damages I personally went to the Bank to have check endorsed to me and was told that they could n't cuz I was behind on my mortgage payments And wants me to contact A Roofing company so that they can endorse the Check to them!! I am a XXXX and if I got behind on my mortgage was cuz of Personal Issues I an currently all caught up on my Mortgage I was told by my Boss that since it was my House that I can request to be a Self Contractor and that I can Repair the Roof nd Damage I contacted the Property loss Dept at XXXX for A faster Resolution to Be A Self Contractor on XX/XX/2016 and was told to Fax them a written letter with my request on That same day XXXX fax them my written notice I Was told that I would have a response in XXXX or 4 Days finally on XX/XX/2016 I called them Back and was told I was n't approved and without an explanation As why I was n't approve as a Self Contractor please Help me with this Situation!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Fair collections and out have reported inaccurate information to transunion, this information has caused serious damages to my lifestyle. I have sent proof that this information is inaccurate but transunion refuses to delete this account. I am being charged for living in an apartment from XXXX/XXXX/15 to XXXX/XXXX/2015 after my lease ended. I have sent proof that shows that this information is inaccurate. I have attached copies of proof that we ( XXXX XXXX and XXXX ) moved and signed new leases on XXXX/XXXX/2015. This needs to reviewed and corrected immediately.

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 10/13/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Navient, which is my student loan company gave my phone number out to other companies without permission, and i 've been getting a mass amount of calls pertaining offers and false advertisement regarding education. It 's annoying and its very frustrating. I get phone calls late at night early mornings, its out of control. They just constantly call from different numbers and I would like it to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I filed a dispute of unauthorized charges on XXXX XXXX for the total of {$3200.00} through XXXX. I did not authorize charges and signed an official statement to chase stating that I did n't do so, as well as notified the organization. Today, XXXX XXXX, Chase ruled against me in my claim in their official correspondence letter. I would like to escalate this matter as the transactions were unauthorized and Chase did not rectify the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am disputing the terms, balance, and amount owed on my Navient student loan account. It appears they may have front loaded interest payments. Creating a problem for my principal to be reduced each month I 've been making payments. Loan seems to her higher each month instead of going down.it appears they 've shifted loan interest instead of principal. These a ruins were willful, intentional, and taken in bad faith. I am asking for accurate verification of debit, balance, interest and principal due on my 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 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I made a call to Equifax today XXXX XXXX/XXXX/XXXX XXXX to request a copy of my credit report. For over a year now I have been unable to request my Equifax credit report using the Equifax website. The problem is with the challenge questions that are presented that must be answered correctly. The 4 questions do not represent information on my credit report, nor do they represent any accounts in my credit history. When I asked the Equifax customer service representative about this he stated that the questions are pulled from a central system, not the credit report. There is no way to successfully answer the questions since they do not apply to the requester.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: This is NOT my address and I have never lived at this address : XXXX XXXX XXXX XXXX XXXX CA, 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 08/16/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I like to report that I have a Student Loan in deferment and for some reason Experian is dropping my score I have it with XXXX XXXX Student Loan. XXXX XXXX is services my student loans. Their should n't be any reason my credit scores should be going down when they are in deferment. I have not disputed this with Experian because I just say this early this morning. I need to know why are they decreasing my credit score on student loans that are in deferment. Also, this is a XXXX XXXX and no credit decrease should be on the credit report because student loan should n't be reported as a increase or decrease in credit limit. Please pay close attention to the XXXX point drop in my credit score. For student loans that is in deferment.

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 09/28/2015 about Credit card () with JPMORGAN CHASE & CO. (CT).
Issue: Credit determination

Complaint: Pulled credit report without permission

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This company XXXX XXXX XXXX XXXX XXXX, TX-XXXX Telephone XXXX XXXX is reporting to Experian that I owe them XXXX. For a rent sofa that was picked up by the store truck. I have disputed this Item over XXXX times and the credit reporting agency is telling me they can not do nothing at all. I call this company and they told be they do n't have this acct and do not know who does ... but they are still reporting. This has cause me and my family severe damage on my credit ... PLEASE HELP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Per Case number XXXX XXXX XXXX states that they mailed a letter closing my account and stated that I was no longer obligated for the account on XXXX XXXX, 2016. Although I never received the letter they claim that they sent the letter to all XXXX credit bureaus. Not only is the information still on my credit report as open and in collections the credit bureaus refuse to remove the information from my credit report and claim that XXXX is still reporting the derogatory information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-01-2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft. The following account and inquiries are authorized and fraudulent : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX XXXX Bank, 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 non-monetary relief
Consumer complaint received 12-12-2016 about Debt collection (I do not know) with The CBE Group, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a a unverified account from CBE GROUP # XXXX. I had previously disputed this account. I have never done business with CBE GROUP. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that CBE GROUP Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CBE GROUP Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Bureau Collection Services, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My original letter to CBCS on XXXX/XXXX/16 acknowledged their your demand for payment in the amount of {$470.00} on behalf of XXXX XXXX XXXX XXXX. 

They provided no information about this account. I demanded " that you provide the following information to me within 14 days, otherwise under the provisions of Public Laws XXXX, also known as the Fair Debt Collection Practices Act, that you and your organization must CEASE & DESIST all attempts to collect any and all debts. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the Maryland XXXX 
Provide details regarding this account : 1. Property address 2. Dates of service 3. Complete payment history 4. How this amount is calculated 5. Proof that this is in fact my personal debt, rather than that of a business entity. This proof must include any and all signed documents by me assuming personal responsibility. " I never received a reply until a letter dated XXXX XXXX, 2016 which is the exact same demand for payment/settlement with no evidence that this is my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/22/2017 about Credit reporting () with ENCORE CAPITAL GROUP INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: At the beginning of  XXXX  I started receiving letter from  Midlabd  funding saying I owe money on my   XXXX   XXXX   account from  XXXX  ( which I closed and paid on  XXXX  ) I called them after they kept sending me the same offer Over again.  Midland  funding sent me a letter recently saying that my case was close and account was closed I did n't not owe anything. They said   XXXX   XXXX   sold this account to them and after the disputed it showed I did n't owe anything. But I see it was reported to my credit report. How can I get that removed?

Company response to consumer: Closed with explanation