milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/22/2015 about Debt collection (Credit card) with Allied Interstate LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I continue to get phone calls from a company Allied Interstate , LLC. They claim I have a debt from a XXXX Credit Card from 1998 which is in my maiden name. The debt totals {$1400.00}. I called XXXX and this debt does not exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2016 about Debt collection (I do not know) with Razor Capital, LLC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Several sections of the F.D.C.P.A ( Fair Debt Collection Practices Act ) has been violated by the named debt collector Razor Capital , LLC. Further attempts to contact me will result in legal action being taken and each violation is punishable by fines to the debt collector in a civil suit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Bank account or service (Other bank product/service) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I have used Union Bank of California services for almost 20 years. Most of this time and most of the banking I did on-line. This XX/XX/XXXX all of a sudden many functions of their site stopped working. As usual, I wrote to the customer support. They responded with some general assurances but nothing changed. I contacted them again to no avail. After a few exchanges of the kind they stopped answering. So, I went to the branch I usually work with. They could n't figure out what was going on and referred me to their " Customer Advocacy Group. '' OK, a representative of " the group '' found me and after a considerably long conversation over the phone promised to contact IT department ( finally! ). After another few days they called again and informed me that the site for on-line banking was upgraded and from some moment on supports only windows or XXXX operating systems on the client side. I use linux distributions for many years and for good reasons. Linux OS is fast, stable, reliable, and secure. Linux is not susceptible for viruses and other malware. Why the bank feels entitled to discriminate me and force to switch to OS I really hate? Or should I turn back to paper banking? Why do they do this? What is the big idea? I could not get any answer. I suspect it could be something really fishy like a trust with XXXX which is infamous for that kind of deals. 
PS. I do n't mind my name being published. Actually, I prefer to be named.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: RE : UNAUTHORIZED INQUIRIES Never did I give anyone consent to use my credit. Nor did I allow your company to allow anyone to use my identity to attempt to open any new accounts. I am frivolous and XXXX at how your company violated my rights as a consumer with in The FCRA sections 609, 610, 611. Your company also used my credit file to place inaccurate erroneous information which I am unaware of. I have been a victim of identity theft in the pass. It is your job as a credit bureau to protect our credit files which you purposely leak consumers files. I am distress and I am disputing these accounts as an internal dispute listed in the files sections as photos and an affidavit. I have filed a suit against your company for violating my rights several times because I am sick and tired of this. It has to stop. I am allowing a total of 2 business days for this investigation to take place and a renewed copy of my Credit report with the inaccurate and erroneous items you placed on my report removed permanently. I will be following up with in 24 hours to retrieve information of whom placed the erroneous accoutns on my credit file. I want to speak to a supervisor who is in charge of this shift because someone isnt doing their job and doing fraudulent things where I will have to file a police report after the court hearing that is upcoming. The unauthorized inquiries are in the attached files below.

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The Equifax Data Breach has possibly impacted my credit. I have worked very hard to start paying off my debt, and my credit score went up several points over the last few months. Because of this breach, my credit may be negatively affected. 

I understand that Equifax is also a victim, but I received no notification that this happened. I had to learn it from the media. I am very unhappy about that.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Vehicle loan or lease (Loan) with PRESTIGE FINANCIAL SERVICES INC (NV).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint: i have dispute before and this company very terrible to fixed stuff, i have no longer responsible anything with the car, instead of they closed the loan since they have sold the car into the auction but on my credit report showing that i have the car still open and showing voluntary repossession on my credit report and also they are increase the the price every months i dont know why they did that i have proof that they kept changing the price.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX previously reported that I had a medical charge for service in XXXX placed into collection. I challenged this record and I received notification that the XXXX XXXX in XXXX, WA erased that erroneous collection record from my credit report. Now Equifax has a record of a XXXX medical account in my name listed as in collection. I previously investigated and discovered the charge was from XXXX WA. I have not lived nor received medical services from anyone/entity in XXXX since XXXX. The record was supposed to have corrected and I just discovered that it still exists in error on my credit report. This has not been erased from my record and is very upsetting to me as I have never had any account turned over to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (HI).
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 was applying for a loan 1 year ago and found that XXXX XXXX had put me in collections for an account that I did not know existed. I dropped out of the school early in the semester. I called XXXX XXXX and let them know that they XXXX had reported the same account 2 times and they confirmed that there was only 1 account and set me up on a repayment plan of {$50.00} a month. I called Equifax to dispute the duplicate reporting with dispute # XXXX and never got a response back. 1 year later the duplicate reporting is still on my credit report. the correct account balance is {$1500.00} and being paid, their is another reporting of the same account with {$2000.00} that should have been deleted from the report over 1 year ago when I first disputed it. I have put in a new dispute with Equifax online the new # XXXX and I have attached the proof of payment on the account. If this does not get fixed asap this will cause me inconvenience in purchasing a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
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 dispute to XXXX to verify a specific account with XXXX XXXX XXXX. On XX/XX/2018, I received my dispute results in the mail stating that they verified that this account belongs to me. I am under identity theft at the time and I do not recognize this account. FCRA Act Section 611, gives you the right to request an explanation of the verification method used by the CRA. If either party has the records you can request a copy under the FACTA act, SEC 312 ( b ) and ( c ). I would like to challenge how XXXX   came to this decision without verifying the following : 1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation?

5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to?

b.On what date?

c.How long was the conversation?

d.What was their position?

e.What telephone number did you call?

f. What is the name of the employee of your company that spoke directly to the above party?

g.What is the position of the employee of your company that spoke directly to the above party?

h.How long has that employee been employed by your company?

i.What formal training was provided to this employee to investigate items of this kind?

j.Was there any e-mail or written communication between members of your company and the above party?

8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease

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 10/21/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WY).
Issue: Loan modification,collection,foreclosure

Complaint: ( Please reference these case numbers ; XXXX,XXXX,XXXX ). 

On XX/XX/XXXX we contacted XXXX XXXX, a point of contact through Wells Fargo requesting a copy of our amorterzation schedule. We have been paying our trial payments since XX/XX/XXXX. They have made promises to get us information, but then with hold it. 
If Wells Fargo ca n't tell us what is in our modification how can we as troubled borrowers feel we are getting a fair process to avoid foreclosure at this time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I ca n't make online payments through the Navient Website. I spend most of my time overseas and every so often when a payment is due I ca n't access the website. I have complained about this before.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Debt collection (Medical) with Receivables Management Partners, LLC (IN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: " double tagged '' on my credit report ... .Collection Associates has XXXX collection accounts listed on my credit report, all of which I owe and I am paying, the " public record '' on my credit report is the same XXXX collection accounts that are listed, and undisputed. That is double reporting, and totally should not be legal. The XXXX collection accounts should be removed, as the public record can not be.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: Wells Fargo Dealer Services Auto Loan not my account. Appears on my credit report as Account # 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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: show i owe XXXX XXXX XXXX when i owe them nothing balance paid i full. moved to XXXX in XXXX XXXX dont owe any bills in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Debt collection (I do not know) with National Credit Adjusters, LLC (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Continues to repeatedly call my job and upsetting my supervisors. my supervisors telling me to tell them to stop calling me at work because it is not my private phone line to handle personal business but they wont stop.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been receiving mail that I have apply for credit which I havent an hard inquirys on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Using a debit or ATM card

Complaint: I have been receiving emails about ATM receipts and Store transaction records from Wells Fargo ( WF ) but I do not have an account with them. This has been happening for about 3 years, I went to a WF office in XXXX, Virginia with printed emails to ask about these but they said there were no accounts under my name. I used to have a home mortgage and I believe a checking account that only lived for a short period. I do n't believe my credit report shows any accounts currently open with Wells Fargo but since I just found out about a scheme at WF were they were opening fake accounts for customers I have decided to report this since I do n't want my name associated to money laundering of whatever that scheme could be called.

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 05/19/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received communication from a company called Asset Acceptance ( AA ) account # XXXX in XX/XX/XXXX, asking me to make a payment settlement to account I have no knowledge of, however it claims it was an inherited debt. In XX/XX/XXXX, I phoned AA inquiring about the debt. I was placed on hold, after informing the representative on the phone I was recording this conversation, and he never returned. In XX/XX/XXXX I sent AA a certified letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting they validate the debt, and if this is in fact a verified debt of mine, I would pay it. I did not receive a response to their letter. Upon no response, I disputed this account with the credit agencies ( all XXXX ) only to be informed the account is validated, and therefore there is no change on my credit report. Months have passed with me disputing through the credit agencies, and I have XXXX again sent AA another letter, this time certified return receipt XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ). I have since received the receipt back, however AA still has not validated this account, and refuses to remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i have previously dispute so many creditors on my credit report .... 

I would love for all of the fraudulent student loan reports to be moved. 

please contact me at XXXXXXXXXXXX to go over each one ...

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 06/21/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Application, originator, mortgage broker

Complaint: To Whom It May Concern : For over a year and a half, I have been working diligently with Bank Of America XXXX BOA ) on the unscrupulous actions carried out by Countrywide to entice, induce and / or assist a borrower in taking a modified mortgage that carries a high interest rate. A five year loan modification created by Countrywide was inherited by BOA when the modification ended in XX/XX/XXXX. The modification papers were signed in XX/XX/XXXX when the loan was backed by XXXX. In the five year period the modification was in existence, the loan was sold to a private investor. Refinancing and any type of modification has been denied by the investor through the lender, BOA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Mortgage (Conventional fixed mortgage) with Aspen Yo LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I were advised by our attorneys to vacate our home and let it go due to our not having an escrow account and we owed XXXX in back taxes. We did have an escrow account because our insurance was paid there as well. We had been paying on our bankruptcy case for XXXX XXXX years. I contacted our mortgage company XXXX, then XXXX XXXX to see if there was anything we could do, to try and make any money out of our lost. XXXX said we could try a Short Sale. We could list the house at XXXX, our listed balance is XXXX. If we did not sale the house, we would get XXXX if we moved at the end of that posted period. The house did not sale and we moved into an apartment. We did not get the XXXX. Within a week, we received a letter from a new lender/mortgage company, Gregory Funding. I have called them to ask what we can do, is there any way we can move back into the home and continue with our payments? The only comment they 've made is that we need to provide insurance for the house. Our lawyers say we do not, since it has been surrendered in the Chapter XXXX. We get a bill each month from Gregory Funding for the house. Is it possible that our paperwork during the Bankruptcy has not been properly filed? We know our lawyers did not have our best interests in mind. We XXXX the lawyers two times ( due to their error XXXX to save our home. Since we left that home, XXXX 2014, it just sits there. The garage is open at various times. That was our dream home. Our preacher came over to say blessings the day we signed our paperwork. Our plague reads ... XXXX is the head of this house, the unseen Guest in every room. I pray to you for help.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
Issue: Problem with fraud alerts or security freezes

Complaint: According to XXXX, my personal data was part of the security breach. Therefore, they have not been charging me for my security freeze, approximately {$5.00}. 

But I've needed to pay it with XXXX and Experian even though I am an identity theft victim with XXXX. The millions of Americans affected by this data breach shouldn't have to go to their local police department to file a report when XXXX and Experian can easily go to XXXX XXXX website to enter the customer 's last name and the last six digits of the social security number to verify the person was affected. There is nothing the local police can do about it. 

I am asking that XXXX and Experian place credit freezes on my credit bureau at no charge and that they refund the fees they have collected since the security breach occured.

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 07/27/2015 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I applied for a balance transfer with desirable terms to my situation. I was not consulted with or given any options, Chase Bank decided it was their choice of terms, I was not notified or given the option to decline or accept. 
I contacted Chase Bank, they agreed to get their funds returned and ADJUST the fees and charges. 
I have asked the account be frozen or closed yet it still open and I was told I need to make the minimum payments ... Even thought!!! their funds were returned over two weeks ago. 
So now I am being charged interest on over XXXX ( the same money ) by XXXX banks. 
I have kept copies of all correspondence with Chase Bank and can verify thru XXXX XXXX that funds were returned. 
I would like your help to stop them before they affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit card () with DISCOVER BANK (TN).
Issue: Closing/Cancelling account

Complaint: Discover Card will not close my zero balance accounts. 
Als I am receiving credit card offers at my house, sent to my XXXX XXXX XXXX son. 
I have called many times to stop the mailings but to no fix. 
I even moved, ( my son does n't live with me he is in the armed forces 13 years now ) They followed to my new address when I did. Change of address, just in my name. 
Called son and he says he is also having exact same XXXX. Problems They wo n't close accounts and constantly send credit card offers which he does no want. 
The time period of this is over the last 13 years. I declared bankruptcy during that time and they still send offers.

Company response to consumer: Closed with non-monetary relief