milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Financial Management Solutions (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This collection company is reporting erroneous debt to  XXXX  in my name. The debt collector has a debt on my report for  XXXX   XXXX . I have never lived at  XXXX   XXXX  in my life. This debt is not valid and after several attempts to rectify this with the credit agency they have ignored my requests. The creditor has yet to show a signed lease agreement between myself and the apartment agency. They instead continue to submit a fabricated bill with my name on it to  XXXX .  XXXX  has failed to research the debt in its entirety. They only ask the creditor if the debt is valid and never ask for proof.

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 12-12-2017 about Debt collection (I do not know) with CL HOLDINGS LLC (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a letter from XXXX XXXX XXXX stating an attempt to collect a debt of {$230.00} for original creditor XXXX XXXX XXXX XXXX account ending XXXX. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

I recently lost My XXXX Reference Number I 'm sure you can find out information by just using my name and XXXX account number. 

I have no knowledge of this account. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any written agreement ( s ) between myself and the original creditor stating I agreed to pay alleged debt 3. Consumer address at which original account was opened 4. Date of first delinquency 5. Itemized calculation of alleged debt If XXXX XXXX XXXX is unable to provide the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account deletion from all credit reporting agencies without further discussion of payment in full or partial settlement. 

This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2016 about Debt collection (Credit card) with Selip & Stylianou, LLP (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: More than a decade ago I incurred a debt with XXXX of {$10.00}. XXXX was the bank that issued the credit card for XXXX and XXXX. XXXX XXXX XXXX purchased the debt and took me to court where a judge gave me a judgment of {$8300.00} and monthly payments of {$100.00}. I paid this {$100.00} religiously every month and have bank records to prove it. 

I recently received a threatening and disturbing letter from Selip & Stylianou , LLP who claim they are attorneys at law trying to collect a sum of {$12000.00}. The judge already had a judgment which I paid and then the rest was charged off from my taxes. I have worked very hard to pay this bill and build my credit and these people are harassing me. 

I wish to file a formal complaint against Selip & Stylianou , LLP, Attorneys at Law at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. Enclosed is a copy of their letter.

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 01/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with United Debt Holdings, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In 2012 I moved from XXXX to the XXXX. I informed XXXX gym 30 days prior to moving that I wanted to cancel my membership due to the fact that in the area where I was moving to there were no gym facilities XXXX within a XXXX mile radius. I also followed up with a telephone call to the club and a visit and they assured me it would be taken care of. This past week I received a letter from an attorney, XXXX XXXX XXXX representing United Debt Holding ( XXXX gym ) claiming I owe {$810.00} and it must be paid immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Debt collection (I do not know) with CITIBANK, N.A. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/16, a company called XXXX from XXXX XXXX XXXX XXXX XXXX, SD XXXX did a hard pull of my credit report. 

I must say, I applied for a credit card at Citibank and the hard pull from Citibank it shows on my XXXX report ; as a result I have to hard inquiries on XXXX/XXXX/16 : XXXX from XXXX and another from Citibank. I do n't own any products from Citibank. 

I do n't know who XXXX is? Or why are they doing a hard pull on my report when I did n't authorized it.

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 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I filed a complaint with XXXX EXPERIAN AND XXXX about hard inquiries on my CREDIT REPORT that are not mines PERIOD. The ( ONLY ) hard inquiry that is mines is the ( XXXX 'S ) that's showing on my EXPERIAN only. I also called the fraud departments on ALL the other hard inquiries on my 3 CRA 's and THEY sent over requests to have them DELETED yet they are still there. And XXXX  AND XXXX both have yet to provide me with ANY/ALL documents they have with my signature on it that gives them the right to have a Child support LOAN showing on my CREDIT report.

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 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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 began disputing these items with the Credit Bureaus on XX/XX/XXXX. I sent follow up letters on XX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.

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 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: This complaint is about my credit score. The two companies are Transunion and XXXX. I have established and maintained outstanding credit for over 30 years. I 've paid off 8 houses ; bought and paid for several vehicles, appliances. Credit card usage is only 7 %. Otherwise, no problems except one. I have and outstanding collection in the amount of {$250.00}. By the way the collection is in dispute. Currently my credit scores are XXXX and XXXX respectively. As you are well aware, these scores are rated fair at best. Also, any loan available to me are at a much elevated interest rate. I spoke to one of the companies today. I voiced my concerns. Number one, the person on the phone was unquilified and unable to help me get to the bottom of my complaint. Number two, I asked to speak to a supervisor but was refused. The refusal, I bilieve, was because the person on the other end of the phne was sitting in a call center in XXXX. The crux of my complaint is agencies that collect and report all my financial activity assigns a score that is religiously used by lending institutions. The methodology they use is unregulated and subjective. It suppose to represent an individuals tendency to repay. my track record is stellar. Yet, with a minor deviation I am placed in a high risk pool. Somebody needs to fix this.

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 01/16/2018 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (GA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Called the bank 's customer service on XX/XX/2017 and confirm eligibility for the {$200.00} new account promotion. I opened this account that same day with the {$25.00} requirement and met the other requirement of having {$300.00} direct deposit on XX/XX/XXXX. The promotion stated the following " The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above ''. It has been over 60 days. 

I have called multiple times and messaged the bank on my online account. Never received a reply on the online messenger and kept getting transferred when calling because none of the representatives could give me a clear answer or solution about this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX was unwilling to cancel my account with them and charged me for a third cable box when I returned two. I paid for two boxes for nearly five years, I do n't keep my past bills but their were two televisions in that place of residence. When I called XXXX to ask for a copy of my last bill they said since I 'm not a customer anymore they do n't have that information on file. It took me nearly two hours to cancel my account and the person I spoke to was irate about it. In the long run, I never had a third cable box and they 're billing me for not returning that box.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I found out recently that there was a problem with verifying my social security number when I wanted to cosign a XXXX loan for my child. I dealt with the XXXX XXXX XXXX without success. 

After further investigation, I found out that I was reported as being XXXX  on XXXX XXXX, XXXX. 

I am trying to figure out : 1 ) who or which funeral home or which entity reported me as being XXXX over 2 years ago and 2 ) how to rectify this since I am well alive so far. 

Please offer some assistance, guidance on how to handle this issue. Thank you.

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 02-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Navient consolidated school loans taken out in my name for my daughters college education. She became critically ill in the first semester of her XXXX year and recovered, but had to drop out of college. Navient attempted to collect XXXX XXXX dollars a month on her school loans! At the time of the consolidation the loan was {$29000.00}! In 2007. I had XXXX children at home, I was going through a divorce, and had to move out of my home and buy another during the height of the mortgage crisis. Each time I spoke to a representative, they sugested forbearance. And never ONCE offered an alternative solution. This has been a living XXXX working with these people, all of whom reside in the XXXX and are very difficult to understand. I had to claim bankruptcy and shortly after had to go out on XXXX for 10 months fora XXXX. ( Navient said they could n't do anything but forbearance ). Now my payments are up to {$440.00} per month and the balance is up to {$48000.00}!!!! 
Frustrated in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Debt collection (Non-federal student loan) with ConServe (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I enrolled in school and never attended for XXXX. I contacted the school several times and was told everything was okay. I now on my credit report have not XXXX but XXXX collections that were turned over for a school I never once attended any classes in. I have disputed via my credit reports and can not seem to make any progress with that. But the account is not mine let alone now XXXX of them showing.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Debt collection (I do not know) with Security Credit Services, LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Collection Agency SECURITY CREDIT SERVICES {$1700.00} this account is fraud and I want it removed. As I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: 1 ) The recent inquiries on my credit report are fraudulent the dates of those inquiries are in the attachment provided. I did not authorize my credit to be ran and sent dispute letters and faxes and also the wrong names and addresses are being reported on my credit. 2 ) There is a XXXX account reporting on my credit that is NOT MINE, my information was fraudulently used, if this account is reporting under my name. the company itself could not supply a signed contract. With that, there is NO proof this is a debt that is reporting accurately, violating FCRA. 
3 ) The credit report is showing erroneous addresses and names, including ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , CA XXXX and XXXX XXXX XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was shocked when I reviewed my credit report and found so many incorrect items that does not belong to me. 

Creditor : XXXX XXXX XXXX Acct # : XXXX I am so frustrated with this company. I have repeatedly asked XXXX to help me. I do not own this debt and have asked for verification of this debt which they have been unable to answer. I dispute the validity of this bogus debt and demand that you permanently remove this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Filed a complaint through the White House of the USA. Was assigned Case number : XXXX with your agency. 
Property address : XXXX XXXX XXXX, XXXX, IL XXXX The following response was received from the Company : " Response We have been unable to establish contact with XXXX XXXX to discuss this correspondence. We require additional time to complete our research regarding XXXX XXXX loan concerning the origination of the loan and retention option. XXXX XXXX XXXX, extension XXXX. '' XXXX XXXX is being less than honest. I spoke to XXXX XXXX on XXXX XXXX, 2015, for 17 minutes, at XXXX XXXX. He told me that he would have a response by XXXX XXXX. 

I received the above response on Thursday, XXXX XXXX, and XXXX XXXX left me a voice mail message on Thursday, XXXX XXXX, stating that your agency has given him until XXXX XXXX to respond. 

Given my experience with the modification process, this stall tactic has been well documented by agencies and customers nationally, and seems to be the standard. 

We would appreciate a response from the company, and we do appreciate your help in this matter. 

Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (SC).
Issue: Loan servicing, payments, escrow account

Complaint: I have my home mortgage with Suntrust Mortgage Acct # XXXX. Name : XXXX XXXX XXXX. On XXXX/XXXX/15, a very large tree fell on my house during a storm. The insurance adjuster came out, the next day, took pictures, said it was a total loss. I signed a form for him to get the payoff from Suntrust, the insurance was just enough to pay off the loan. He told me to call them, give them his name the claim #, etc, and let them know it would take 3-4 weeks and explain that I could not make a payment because I needed all my available funds to find a new place for my family of XXXX to live. I did that. A few days later, they started calling me. Every day I explained the situation to them, told them the insurance company was going to pay it off. Yet they still called everyday to harass me. On XXXX/XXXX/15 I went to the bank and showed the branch manager the pictures and explained everything to her and she tried to get a manager in the mortgage department to stop the calls, also. Today, a girl named XXXX called again telling me I needed to make a payment. I thought once you told them to stop calling you, they could only contact you by mail. I have enough stress, trying to put a roof over our heads and get beds to sleep in, I do n't need them harassing me to make a payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Adjustment Service, Inc. (MN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Called Diversified adjustments Collections agency to set up payment agreement with them because i have someone helping me make payments they give me a offer of half off the amount or a payment agreement for 12 months. I ask for a e-mail with the pay off and the agreement he said yes and he needed his supervisor to sign off on it and he would call me back at XXXX. When he called me back he said he was still waiting and he would call me the next morning. He did not call so i called there and everybody was rude and disrespectful. Then after i called for 2 days in a roll i had someone who was going to just pay them the half off and they bumped the price up and said i never set up an agreement. All i am asking is if i could get a letter of agreements and or settlement. Now i might have to set up agreement cause offer was good for that day. I am XXXX and the housing i want to move to is wanting an agreement to pay this bill off before they will rent to me and Monday XXXX XXXX is the last day they will hold the apartment because they need the agreement or i lose the apartment. I really need and would like to take care of this but getting no where with them. Please help i do n't know what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: midland funding has repeatedly attempted to sue me for a debt they due not own, filed suit in a state that I do not live in and where the debt was not incurred or billed. Improper service, they taped a summons to the front door of a house I do n't live in and got a default judgement after two attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not securely store vital financial data they collected on me and millions of other people. Once the data was stolen they did not notify me directly, and had no appropriate solutions. Vital current information, like bank account numbers, addresses and drivers license number were left exposed, as was permanent information, like my social security number. This means I am for ever at risk of identity theft and tax fraud. The only solutions offered by Equifax have been temporary, limited to the next couple of months. Additionally, they have used this as an opportunity to promote other services, trying to make money from their own failure. 

The few options I have as a consumer ( checking my credit score, credit freezes and fraud alerts ) have been nearly impossible with all three major credit companies ( Equifax, XXXX and XXXX ). With Equifax in particular it has been completely impossible, since they seem not to have the resources to deal with all the affected customers. This means I have to spend several hours trying to solve this problem. Additionally, over the course of the lifetime this hack will affect me, I will have to keep spending time and money to freeze and unfreeze my account, and to monitor my credit. This is entirely caused by a company I never chose to have business with in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Application, originator, mortgage broker

Complaint: ABOUT 10 TO 11 YEARS AGO I TOOK OUT A LOAN FOR XXXX ACRES OF LAND THROUGH EITHER XXXX XXXX OR XXXX BANK, THIS BANK WAS BOUGHT BY CAPITAL ONE BANK. THE BANK SOLD ME CREDIT LIFE/DISABILITY INSURANCE ON THIS LOAN. I HAVE BEEN PAYING THIS LOAN ON TIME EVERY MONTH, NEVER LATE, NEVER MISSED A PAYMENT. NOW ALL OF A SUDDEN ALL THESE YEARS LATER I GET A LETTER FROM CAPITAL ONE TELLING ME MY CREDIT LIFE/DISABILITY POLICY IS CANCELED. BASICALLY THEY RIPPED ME OFF FOR WHATEVER I PAID FOR THIS INSURANCE EVERY MONTH FOR THE LAST 10 TO 11 YEARS.

Company response to consumer: Closed with explanation