milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First Advantage LNS Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I XXXX college in XX/XX/XXXX and left XXXX, XXXX to attend XXXX XXXX XXXX training in XXXX, XXXX. Five years later in XX/XX/XXXX, I received a letter from the National Credit Audit Corporation ( NCAC ) saying that I owed {$270.00} for damage that had occurred to the apartment that I was living in while in college. I took the letter to my legal department because it seemed weird that an agency would contact me almost five years later about a claim that had materialized out of thin air. My legal department advised me that it was probably a debt collector scam that they unfortunately see frequently with military members due to the frequent moves inherent with military life. Legal told me to respond asking for more information about the debt assuming that it would fall by the wayside. NCAC responded with an itemized list of maintenance charges ( from XXXX XXXX properties, the apartment complex that I had previously lived in ) that I had never seen before. The list was dated a full month before I had supposedly vacated the apartment and yet I was only seeing it for the XXXX time five years later. When I had vacated the apartment in XX/XX/XXXX, it had been under good standing with the rental company ; I understood that I would not be getting the full amount of my initial deposit back because it was standard practice to repaint the walls and have the carpets cleaned using the initial deposit. I again consulted my legal department who, after some research found that XXXX XXXX properties and therefore NCAC, were in violation of Title VI Chapter 83 section 83.49 paragraph 3 ( A ) of the XXXX Statutes which states " the landlord shall have 30 days to give the tenant written notice by certified mail to the tenant 's last known mailing address of his or her intention to impose a claim on the deposit and the reason for imposing the claim.If the landlord fails to give the required notice within the 30-day period, he or she forfeits the right to impose a claim upon the security deposit. '' XXXX XXXX properties failed to notify me within 30 days, much less via certified mail to my last known address, which was provided, and so in my opinion, the debt for damages ( that seem to have materialized when I was not around to contest them ) is not a valid claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, Equifax, and XXXX  with no success. They have refused to update information. Accounts to be removed : XXXX XXXX : XXXX, XXXX XXXX # : XXXX, XXXX XXXX Unknown, 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 XXXX XXXX XXXX XXXX XXXX : Unknown XXXX XXXX XXXX XXXX XXXX Unknown , Tax Lien 3 XXXX XXXX XXXX I have never lived at XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL. Never worked at XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/, I went to a XXXX dealership ( XXXX XXXX ) to test drive new cars. The sales rep ( XXXX XXXX ) said they would need to run a soft pull to estimate pricing for me. I specifically asked if this would be a hard pull, and the rep assured me it would not. He said a hard pull would only occur if I decided to move forward with an actual lease. On XX/XX/, I received a notification from Equifax that a hard pull was indeed made on my account. 

I in no way authorized a hard credit pull on my account. The dealership fraudently asked for my information to conduct a " soft pull. ''

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I have been a customer of XXXX for years. For normally pay my bill online, and today just noticed I have been charged " Credit Protection '', which I have never agreed to, nor have I known this was something that I have been paying for. I went back to review the last 5 statements and was charged anywhere between 1 dollar to 5 dollars during months that I made no purchases. I am going to continue to look back at my statements as I can see back to XXXX. I want a copy of every statement I have had since I have been a XXXX Card holder ( XXXX ) and want a refund for each of these fees. This is predatory lending, fraud and a scam.

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 10/18/2017 about Debt collection (Other debt) with I.C. System, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My name is XXXX XXXX and I received a copy of my credit report and was shocked to see two collections for XXXX XXXX XXXX/XXXX XXXX. I have never had that service but my father did. When he became ill I would help him when I could. He would give me his account information and I would pay his bills for him, or run errands, pick up groceries and things like that but at no point was my name on any of his bills. As a son I would just help him when he needed it. After he XXXX XXXX I no longer had access to his private information nor did I need to. My father 's name was XXXX XXXX and I do n't see how they can get that confused with XXXX but there is diffidently a confusion. Those two bills are not mine and have never been mine.

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 10-11-2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: TO : CFPBFrom : XXXX XXXX : XXXX Reporting and EquifaxThank you not only for your help on previous matters but, the sincere heartfelt participation and effort of your group has made on my family 's behalf. 
Unfortunately, This is likely my last correspondence concerning this matter, frankly I just give up. 
For those of us who played by the rules and watched our lives be destroyed by unscrupulous servicers XXXX, we appreciate you. It would be great to get my credit rating back where it was and receive lower interest rates, cheaper insurance and credit cards, maybe a decent student loan. The XXXX settlement simply was n't and will never be enough. My bankruptcy was filed XXXX XXXX transferred in to XXXX, never reflecting the correct reporting as required on FCRA, it 's been a circus since then. 
I attached XXXX things, the Equifax reporting I just received in the mail and the actual transfer letter from XXXX XXXX. It 's not a XXXX XXXX issue, it 's an Equifax issue. No need to go back XXXX. 
I only have a XXXX education but, I can certainly read the Account History Status Code Descriptions. 
A-Labeled XXXX thru XXXX to reflect XXXX to a 149 days past due. Please read their " Account History with Status Codes '', does it not have the numbers XXXX thru XXXX being reported? 
B- Above it, it states " STATUS '' 60-89 days past due. 
C-Above that it states ( XXXX columns of from the left ) " DATE OF LAST PAYMENT '' XXXX, that is Equifax just not being serious, they transferred it without receiving a last payment. XXXX See transfer disclosure- ignore writings, that was XXXX BK Dept info ). If Equifax is counting the Check XXXX wrote to buy the loan as last payment, then every time a loan is transferred the cycle would start over. I believe FCRA intended for the last payment made be from the consumer. 
The date of last payment is important, under FCRA it 's 7 years to delete this line item. If they just make this up, my family is harmedI can only supply the proof, the rest is up to them. The entire reporting of the XXXX XXXX is to be deleted per FCRAXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Mortgage (VA mortgage) with TRUHOME SOLUTIONS, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My husband is a documented, XXXX veteran, retired from the XXXX. 
In XXXX, XXXX, we purchased a home in Texas where the law grants a 100 % exemption of property tax for 100 % XXXX veterans. 
Since the end of XXXX, XXXX, I have been talking with my mortgage company and sending them documents as requested, to try to get the property tax payment removed from our monthly mortgage payment. I 've also contacted my local tax office as they requested. 
From XXXX XXXX up to the present, the mortgage company has been charging us over {$500.00} per month for escrow payment for property tax. The payment still has not been adjusted and remains the same for XXXX XXXX, XXXX. 
This should have been corrected months ago, and I do n't know what else to do to get them to change it. I 've talked with them about this at least 6 or 8 times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: These people are trying to open and put XXXX items that were closed and removed off my credit report.it was removed by this company on XXXX XXXX 2015.these people are messing my credit up.I do n't get any were with them.every time I apply for something it shows on my report that they it open.these people can not open something that has been removed for your credit report.also asked bout the birthdate on XXXX credit report they have my birthday incorrect.

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 04-09-2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NC).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I am currently trying to clean up my credit report. Unfortunately, I had an account with XXXX XXXX XXXX that went into collections several years ago. I have tried to call XXXX to pay the collection balance that is owed, but they refuse to allow me to do so. They will not take a payment from me. At the same time, they will not take this account off of my credit report or allow it to update that I no longer have an owed balance. By refusing to either remove this item from my credit report, nor take a payment to resolve the debt, they are holding my credit profile hostage.

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 12-07-2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have tried to fill out their online form with my correct name address employer etc but when they ask me questions about personal details they do n't recognize me because their info is so XXXX. They want me to pay for my credit report or subscribe to some tracking thing when it has been over a year and they should just send it to me. There is no point of phone contact with a human just a run around of phone trees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: IN XX/XX/XXXX A DEBT COLLECTION COMPANY CALLED ME ABOUT A XXXX XXXX CREDIT CARD ACCOUNT WITH A BALANCE OF {$670.00}. I DISPUTED IT AS IT WAS NOT MY ACCOUNT. THEY REMOVED IT FROM MY CREDIT REPORT. IN XX/XX/XXXX I RECVEIED A LETTER FROM LVNV FUNDING SAYING THEY RECENTLY AQUIRED THE ACCOUNT AND WERE NOW TRYING TO COLLECT THE {$670.00}. I EXPLAINED AGAIN THAT THIS WAS NOT MY XXXX XXXX ACCOUNT, I CURRENTLY HAVE 2 XXXX XXXX ACCOUNTS IN GOOD STANDING BUT THIS ONE WHICH WAS OPENED 3 DAYS AFTER MY CHAPTER XXXX BANKRUPTCY WAS DISCHARGED ( WHICH MAKES EVEN LESS SENCE ) IS NOT MINE. I CALLED XXXX XXXX AND THEY SAID I HAD TO SPEAK TO THE COLLECTION AGENCY. I WROTE LVNV FUNDING A LETTER DEMANDING PROOF ( STATEMENTS, APPLICATION ) SOMETHING TO PROVE THIS WAS MY ACCOUNT AND I 'VE GOTTEN NOTHING. THEY 'VE NOT RESPONDED TO MY LETTER AT ALL. I WANT THIS REMOVED FROM ALL 3 OF MY CREDIT REPORTS ASAP AS I 'VE BEEN FIGHTING THIS FOR YEARS NOW AND IT KEEPS POPPING UP. THIS IS NOT MY ACCOUNT, AND NO ONE CAN SEEMS TO PROVE THAT IT IS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (KS).
Issue: Fraud or scam

Complaint: This actually is n't a " me '' problem. There are reports of consumers getting scammed based on the terms of service of a mobile payments provider. A background on the problem is best expressed through this article : XXXX XXXX XXXX What I perceive as going on here is a violation of Reg E, which I think applies to these type of transactions. Instead of adhering to the standards of Reg E, Venmo is deliberately casting its terms of service in a way that puts the consumer at risk of unlimited fraud liability for electronic transactions that have an opaque clearing mechanism. 

There is a clear oversight on this issue, because much as Venmo should adhere to BSA/AML laws, it should also of the Electronic Funds Transfer Act.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STERLING JEWELERS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Received an alert that a credit inquiry was placed on my XXXX credit report. XXXX told me to contact the company. XXXX the company & called the numbers that I found through the google search but none of them were for the agency on my credit report. Ive never heard of this company & did not authorize a credit pull.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Mortgage (FHA mortgage) with LoanCare, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been paying for my loan with Loan Care for the past XXXX years. Have been paying automatic withdrawal from my wife 's bank account to them every other week ( XXXX payment each time ). Everything was good until I got a notice that I was delinquent for XXXX payment. Come to find out that they placed XXXX of my XXXX payments into principal, which I had no intention to do so ; should have been applied to my monthly bill. I contacted Loan Care and they were able to do a principal reversal ( only after several follow up calls ), however I was still reported delinquent 30 days to the credit bureau. I have made a formal credit dispute to LoanCare because I feel that it was an error on their part that made me delinquent. In addition, if I knew I was late on a payment ( have not received any monthly statement from them, although they swear that they mail it out to me ), I would of paid them in full ( which I am doing right now ) ; I still have n't received any statements from them. 

My XXXX credit dispute is still pending a decision, however it is very frustrating to know that an error of placing my payment to principal and not having any paper trail/monthly statement to inform me of delinquency has effected my and my wife 's credit score ( around XXXX initial, now XXXX ; good credit report : paid all my creditors on time and provided this history to Loan Care ). 

I would like Loan Care to be held responsible/accountable for the above error that made me/my wife delinquent and to provide me with paper statements ; correct the delinquency with the XXXX credit bureaus. My wife and I make payments religiously and have worked hard to build up our credit ; it is not right that a servicing company could allocate funds in-correctly and not inform myself ( consumer ) prior to reporting to the credit bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with North Shore Agency, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX asks you to buy items to promote their sweepstakes. Although you pay them they do n't apply the correct payment, always leaving a balance you have to pay. I know I paid them in full. They call me XXXX or XXXX times a day, do n't leave a message and no identification of their telephone number which happens to be XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Incorrect name on report

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am attaching a letter from XXXX XXXX XXXX ( XXXX ). The same information was sent to XXXX, XXXX and Experian in XX/XX/XXXX and XX/XX/XXXX by XXXX advising each to delete an open record they were reporting against me for XXXX. I also wrote each bureau in XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX requesting that they follow through with XXXX 's request and delete the record. None either replied or deleted the record. This libel is affecting my credit score and contributed to a higher rate of interest on a loan I recently received. I am applying for another  loan so this record is affecting it too. It is my opinion that the credit bureau 's are scams set up to discredit select classes of individuals. Further, these bureaus assert that it can take months to correct their records. This is unjustified, and I do not have months to finalize my current loan application. In this age of technology all such delay is utter nonsense and unacceptable especially given that loan considerations are impacted 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 non-monetary relief
Consumer complaint received 11/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I reviewed a copy of my credit report and the companies below ran an unauthorized credit inquiry on me on date provided. 

XXXX XXXXI never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact each company and investigate such occurrence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (WI).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX my mortgage co. sent an escrow analysis that forecasted my property taxes would be paid in full XXXX. I called them, they requested a copy of my property tax bill, which I sent. They sent another analysis that still planned to pay my taxes in full XXXX, thus not correcting the mistake. Tired of dealing with them, I just let it go, paid the additional {$120.00} monthly, and figured it would be resolved with this year 's escrow analysis. 
Fast forward to XX/XX/XXXX, I received a new analysis that plans to pay my property taxes in full XXXX times, with refund check attached {$850.00}. On or about XXXX I called their customer service line and the person I talked to said he saw the error, told me a new, corrected escrow analysis would be sent, and said I should not deposit the check I received, as a new XXXX would be issued ; I should receive it in 8 to 10 business days. As of today I have received nothing but a normal monthly statement. I checked online today and my next payment payable on XXXX XXXX is {$1200.00}, same as shown on the erroneous escrow analysis, and approximately {$270.00} more than it ought to be due to forecasting to overpay my property taxes by {$3300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Debt collection (I do not know) with Navient Solutions, LLC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: navient reported me to reporting agency for late payment for {$0.00} on XXXX XXXX 2014

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Fidelity National Information Services, Inc. (FNIS) (NY).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint: On a previously submitted case,  ChexSystems   indicated that they removed any negative information related to me that was involved in my bankruptcy, however, I am still being declined due to information pertained in my ChexSystems file, which is still indicating previous relationships with other FI 's. They have not done anything to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My SSN was recorded wrong.

Company response to consumer: Closed with explanation