milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Credit hurt by multiple credit inquires within two months. Only one authorized but XXXX XXXX via XXXX XXXX has 2 inquires weighing on my credit. I only authorized one. Banks are also forcing me to pay back money sooner by tarnishing credit with unauthorized hard inquires and other devious practices. XXXX XXXX and XXXX XXXX will loss my business because of this over-time. XXXX will not allow me to dispute my hard-inquires??? I have not requested any new credit and hard inquires are showing up. Not fair to consumers. Please tell me they are not going to let big business and Banks walk all over American People?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2017 about Debt collection (Other debt) with Summit AmeriFirst Holdings, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was contacted by my neighbors whom live at XXXX XXXX XXXX that someone by the name of XXXX XXXX from Amerifirst contacted his wife on her personal cell phone trying to reach me XXXX XXXX regarding a personal business matter. Please keep in mind I do n't know my neighbors and never met them. Contacting complete strangers discussing my personal business is a violation of my privacy and just plain unprofessional. 

Amerifirst has done this to several other individuals and continue to disturb and harass individuals whom have nothing to do with my business with them. They have continued to violate privacy and collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX has now placed this debt that is not mine into a different debt collection company that is negatively impacting my credit score. I informed them multiple times that this is not my debt! I have been trying to get this sorted out since 2012 and XXXX XXXX fails to take action, claiming this debt that is n't mine and placing on my credit history. I do n't understand how this is even legal.

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 01/17/2018 about Debt collection (Other debt) with Amsher Collection Services, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have spoken with XXXX and they have informed me that they are working directly with me. I was told that this company shouldnt be contacting me anymore about this issue. The problem is I have never heard of this company before. I seen it being reported on my credit reports and thats when I was already speaking to XXXX about this situation. I want this company to stop reporting falsely to my credit reports as I do not owe them ANYTHING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma.  However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.

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 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the New law effective XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The credit Bureau has not updated the information and per the new law true Bankruptcy listed does include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Debt collection (Credit card debt) with National Credit Adjusters, LLC (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Dear National Credit Adjusters, I just discovered that even after disputing with the credit bureaus, there is still an account from your company being reported improperly. I am not sure of the origin of the account. This is why I would like validation of the debt to verify their accuracy. I need to examine the billing statements that show how the balances accumulated and the original signed contracts or applications giving the original creditor permission to bill me. I have been the victim of identity theft in the past.. At this point I am not alleging it is a fraudulent account, however ; it is a possibility. I need to look through these documents to determine if the account or charges to the account were the result of unauthorized use.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been disputing multiple collections that continue to report on my credit file. Of these collections, I have supplied the necessary documentation that would allow for Equifax to remove immediately. These collections are with XXXX XXXX XXXX, account numbers ; XXXX & XXXX. I am attaching a letter from the collection company that I received yesterday that Equifax has refused to remove accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Debt collection (Other debt) with TrueAccord Corp. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In  XXXX  of   XXXX  , I lost my previous job. I defaulted on a loan from  XXXX   XXXX . The loan was sold to some company called "  XXXX  ''. I started receiving emails from a debt collector True Accord, who claimed to be collecting for "   XXXX   XXXX   '' as well as letters and phone calls from  XXXX   XXXX   XXXX   XXXX  who claimed to be collecting for "   XXXX   XXXX   ''. Believing "   XXXX   XXXX   '' and "   XXXX   XXXX   '' to be the same company, I waited until I was able to afford payments and made arrangements with True Accord. I have made payments for the last 8 months.     Yesterday, I received a letter from  XXXX   XXXX  claiming that I still owed the full amount ( {$5600.00} ) and asked that I contact the office to make arrangements. I checked my  True Accord a ccount which showed that at this point the balance is {$4800.00}. I called  XXXX   XXXX  who claims they have no record of receiving payments and are the sole debt collector for their client.     Attached is a screenshot o f True Accord 's p ortal showing original amount of loan is {$5600.00} and current balance is {$4800.00} as well as most recent letter from  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have disputed with all XXXX CRA 's and have sent them 3 dispute letters asking them to send me the information and and documentation that they have or used in there file that they used to verify and account on my CR account being XXXX XXXX XXXX ( which is not my account ). As I 've stated I 've sent 3 dispute letters asking all XXXX bureaus XXXX equifax, and XXXX  asking for these docs and if they ca n't not show forth the documents on how they verified this account that they must remove this account off of my CR as it is causing me to look very negligence with my credit. I have still yet to receive any supporting documentation form any of the XXXX bureaus with this 3 letters that I have sent I just continue to receive verified or updated. This is in violation of my rights under the FCRA and I 'm filling this complaint in hopes of this being removed from my credit report being that I have continued effortlessly to pursue removal form my credit report within my rights under the FCRA as a consumer and I still have not gotten a valid response nor any documentation and I 'm hoping for that by me filing a complaint with the CFPB that a resolution of removal of this account can be granted due to the fact that I 've sent 3 letters without any resolution. Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In XXXX, 2014 I entered a written dispute with XXXX reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, ASSET ACCEPTANCE LLC was attempting to collect a debt for which I had no knowledge and alleged was fraudulently opened by an unknown XXXX party. Moreover, said account was appearing XXXX on my consumer credit profile notwithstanding the allegation of a single debt owed. 

ASSET ACCEPTANCE LLC failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with ASSET ACCEPTANCE LLC an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. ASSET ACCEPTANCE LLC failed to report said debt as disputed and failed to conduct an investigation into my allegations of fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 

A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that ASSET ACCEPTANCE LLC is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to ASSET ACCEPTANCE LLC have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of fraud. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My credit report is inaccurate, I have tried numerous to contact TransUnion, XXXX, and XXXX to request this information be removed. My FCRA has been violated because I was denied copies of documents that were supposedly used to to validate accounts and public records on my bureaus.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This is about the security breach with Equifax. The breach was discovered XXXX XXXX and yet it took over a month for them to even report it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I SENT TRANSUNION A LETTER AND THEY DID NOT RESPOND TO IT ENCLOSE IS THE LETTER I SENT THEM WITH MY CERTIFIED MAIL RECEIPT. I WOULD LIKE SOMETHING DONE ABOUT THIS MATTER ALL OF THE OTHER CREDIT BUREAUS HAVE RESPOND BUT TRANSUNION.

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 02/14/2017 about Debt collection (Medical) with HOVG, LLC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This company refused to accept payment arrangements that I could afford without still reporting it on my credit. They wanted me to pay an amount that I could not afford and if did n't they would or may report it on my credit. Threatening to ruin my credit over this bill after I had alread explained to them that I was appealing the decision with my insurance company and tryouts no to get the full bill paid does not seem to be good business nor does it seem to me that it should be legal. I was in no way ignoring the bill or attempting to get away without paying. I offered to pay {$100.00} a month but they would not guarantee that it would n't go on my credit. That seems to be a very shady practice to me. If I 'm making payments on it, how can they report it on my credit. I am making an effort to clear the bill. They also wanted to charge me {$5.00} for each payment. That is not right. I refused to pay that {$5.00} each time I made my payment so they again threatened to report it on my credit. I have been working very hard time get this bill paid and to keep my credit in tact. However, despite my best intentions, nothing seemed to satisfy this company except that I pay some amount that I could n't afford. It does not seem like it to should be legal to threaten somebody 's good credit history because they ca n't agree to pay what a company thinks they should pay.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
Since I have not experienced this situation before, I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that they think I am not smart enough to write myself? I have filed disputes with Experian previously in the same manner so I am not sure why they think this time it was n't me. 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I am just a regular person and do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Student loan (Non-federal student loan) with ACS Education Services (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX I have sent a copy of my orders to XXXX of my lenders. XXXX of them have deferred my loans until the orders are over. The XXXX is refusing to defer my loans saying that I do not qualify for the benefit. 

I went to XXXX XXXX School XXXX located at the time in XXXX XXXX, MI. The school is now loacted in XXXX, FL.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: Wells Fargo has retaliated against me for past complaints to the CFPB and other oversight entities, by continuing to engage in their pattern of abuse ; fraud and unfair banking practices. Recently, I was charged XXXX ( XXXX ) {$35.00} overdraft fees unjustly and on the XXXX XXXX, they placed a CASH IN BRANCH DEPOSIT ON HOLD UNTIL XXXX XXXX, claiming that I have had excessive NSF on the related account yet, it was their proven PATTERN OF FRAUD that accounted for any alleged NSF 's. As it stands now, WELLS FARGO IS HOLDING A CASH IN PERSON DEPOSIT UNTIL XXXX XXXX for no legitimate reason and INTENTIONALLY MAKING SAID ACCOUNT REMAIN IN A NEGATIVE BALANCE SO THAT THEY CAN FRAUDULENTLY COLLECT MORE NSF FEES. Wells Fargo contuinues to act corruptly in violation of State and Federal banking laws.

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 01/16/2017 about Student loan (Non-federal student loan) with Campus Student Funding, LLC (CA).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: I was a former a student at XXXX XXXX in XXXX Nevada. In order to afford the tuition, I needed to take on private student loans. the school only gave me the option to take loans from their private student loan lender. I was threatened that if I took to long to think about it my classes were gon na be dropped. i was making payments for these private student loans and then they were sold or transferred to Campus Student Funding LLC. The school closed and so did the XXXX. My Federa Studnet loans have been forgiven and not my private student loans. so here I am with no degree and in debt due to the ambitious And scamy practices of my school whose corporate members filled their pockets with the student 's money. I need that my private student loans be forgiven.

Company response to consumer: Closed
Consumer complaint received 06/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX claimed I had not cancelled service and attempted to collect several months of service. Finally the company representative, after admitting they saw no activity on the account during the period in question, requested XXXX fax a copy of the XXXX contract to satisfy our claim. The copy of the XXXX contract was faxed and the information over and the item was removed from my credit report. It has now been placed back on my credit report by Enhanced Recovery Company.

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 10-10-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Harpeth Financial Services, LLC (TN).
Issue: Problem with the payoff process at the end of the loan

Complaint: I took out a flex loan through XXXX XXXX in XX/XX/XXXX. I took this loan with the understanding it was a higher rate loan, however the repayment terms were not disclosed nor explained to me properly. There available loans are between $ 25- {$4000.00}. They advertise their XXXX XXXX, naturally, however all examples of repayment listed on their website are not for the {$4000.00} as if they were I feel sure they would not conduct the volume of business they do. 

These repayment examples also do not show any repayment schedule extended past 14 days, but they offer repayment terms past 14 days. The fees charged and terms of your repayment change drastically the longer you have the loan. 

To sum it up. I borrowed {$4000.00} in XX/XX/XXXX, have paid a total of {$4500.00} to date, XX/XX/XXXX. The payoff on my loan as of today XX/XX/XXXX is {$4900.00}. I will have repaid a total of {$9400.00} to this company. They list the APR as 279.50 % ; however since this is a rate of " cost of the loan '', basically they charge a % every two weeks as a " customary fee ''. 

In XX/XX/XXXX, I paid {$430.00} on XX/XX/XXXX - breakdown : {$52.00} Principal {$32.00} Interest and {$340.00} Customary Fee. 
On XX/XX/XXXX, I paid {$430.00} TWICE! They took a total of {$860.00} on this day -- breakdown : {$52.00} Principal {$32.00} Interest and {$340.00} Customary fee, ALL OF THIS TWICE. 

Notice how the principal amount applied to my loan did not change from XX/XX/XXXX to XX/XX/XXXX payments? 

This to me is the definition of predatory lending. There is no way my documentation provided up front would have shown my ability to repay {$1200.00} per month. If they were going to place these repayment terms on me I would not have been approved for the loan, nor would I have applied. 

This company advertises their customers only pay for the time they borrow the money. I paid {$1200.00} in the month of XXXX alone on {$4000.00} I borrowed to begin with. {$43.00} a day is what I paid in XX/XX/XXXX. 

Why are these companies not forced to adhere to the state regulated maximum rates set by regulators and not required to prove a customer ability repay a debt based off their own repayment terms? 

I will provide all statements of my account and any other requested documentation. A dispute has been issued with the company as well in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief