milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have previously written one of the collections departments and furnished a letter advising XXXX XXXX I am the victim of fraud on or around the date of XX/XX/XXXX. The dates of the even are not 100 percent seeing I was not there and had no knowledge of it for almost a year.The dealership did give me a copy of the loan application. On that documentation it is obvious that the same person signed all signature lines. The name is misspelled the same way on every line and is the same handwriting for all the signature lines.It is obvious that I did not sign this loan. I have sent a letter to XXXX XXXX with copy of my signature and a loan I obtained from the same dealership 3 months prior. Which is how they could have had access to some of my information or my ex husband furnished it seeing we were in the process of separating when this occurred. I have advised XXXX XXXX of this also. The fax transmission date to the finance company is XX/XX/XXXX. It was in XX/XX/XXXX that i pulled my credit and found a loan with XXXX XXXX XXXX. I called the company advised that I had no knowledge of this loan and was fraud. I advised that I would like documentation and information that they have or original loan package. Even with this being identity theft I am still privileged to that information. I have had no assistance from this company in obtaining any loan documents or any information they have used to make a decision to not remove the file from my credit or fund the loan. Since I have no documentation on this loan it is making it harder to fight and obtain counsel to assist with damages if it is not removed off of my credit after this final attempt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2018 about Debt collection (Credit card debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA VIOLATION NO KNOWLEDGE OF THE FRAUDULENT ACCOUNTS APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 07/30/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX XXXX, 2015 I received a email alert from XXXX, a protection service company available through my local credit union. I went to my XXXX account and fount XXXX alerts. They were XXXX about Capital One bank. XXXX different locations. XXXX in XXXX and the other in XXXX. I called them and found out a on-line credit application had been submitted in my name. This application was approved by Capital One as of XXXX XXXX, 2015. They said there has not been any transactions recorded on the account. I have requested them to cancel the account as I did not fill out any application. They said they have done that as of XXXX EST on XXXX XXXX, 2015. I have filed a fraud alert with XXXX. They will contact the XXXX other credit monitoring company 's. I have a fraud alert number available. I also have contacted XXXX, a service company that has resolution specialist that will monitor the situation for me. I went to the FTC web site and it directed me to this site.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/15/2016 about Bank account or service (Checking account) with PNC Bank N.A. (FL).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX XXXX I contacted PNC bank in reference to a payment for my rent submitted XXXX/XXXX/XXXX electronically though a XXXX app. on the day of XXXX around XXXX in the morning I called customer service to inquire about the payment that was submitted because online it was indicating that the payment was not paid & it looked as if it was returned due to insufficient funds. I spoke to XXXX who reassured me that the payment had not been returned & it was either paid or still in the process of being paid. XXXX/XXXX/XXXX I received a letter from my rental property manager that they received the returned check and I was to pay not only the rent but a return fee for {$100.00} and a late payment fee of {$100.00}. Due to the wrong information that was provided XXXX/XXXX/XXXX Myself or my partner were unable to make the proper arrangements to avoid the fee that was accessed XXXX/XXXX/XXXX by the property manager. On several occasions have we spoken to the bank to get informed information on how to properly use our account & on several occasion has the wrong information been provided. The difference between the past & now is due to the lack of knowledge the rep ( s ) & as well as the local branches have it has caused us financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Debt collection (I do not know) with Credence Resource Management, LLC (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credence Resource Management attempted to contact me via telephone and mail. Invoice states that a debt originating from XXXX XXXX under my name was owing. I currently have a XXXX account and contacted XXXX to verify the debt. They have NO record of any debt under my name/SSN/Telephone/Address. I attempted a certified, return receipt letter to Credence Resource Management as directed in the letter to decline ownership of the debt and to request documentation from the originator of the debt. I followed the tracking number and the address given by CRM does not exist ( XXXX XXXX XXXX, XXXX XXXX, XXXX, GA ) under Credence 's business name. I sent and email to file a complaint and request verification of the debt on XXXX XXXX, XXXX I still have not received an answer. I question the legitimacy of this debt and this companies operating tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Within the years of XX/XX/XXXX and XX/XX/XXXX, I submitted a request to be placed in forbearance and or deferment because of my XXXX STUDENT STATUS. 

The request was received and therefore approved because of the acceptable documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Navient refused to negotiate a lower monthly payment with my daughter, XXXX. 
I am the cosigner on this loan. Navient 's reply stated that I made too much money for them to lower her student loan payment. I am a XXXX nearing retirement. I am current on all MY Navient parent loans.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, 2017, I submitted an application to XXXX XXXX XXXX. Received an alert that an inquiry was also done by Wells Fargo. I did not authorize Wells Fargo to access my credit.

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 08/30/2017 about Debt collection (Private student loan debt) with TRANSWORLD SYSTEMS INC (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: This debt should have been handled several years ago and I am still receiving threading calls to garnish wages and had the police show up at my house. I have now been forced to pay on a collection {$300.00} per month. They are saying that I owe a total of {$47000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (HI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Joined the financial program to settled for payments of all the credit cards 5 yrs ago and completed all the settlements by paying them little by little. I thought its all done and settled until one of my credit card claims I still owe them causing that particular credit card ding my credit score.

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 10-02-2015 about Debt collection (Auto) with Byrider Franchising, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: JD BYRIDER { CNAC }, XXXX, Iowa has been taking car payments, electronically out of my checking account for the last month and a half without my permission or consent for a vehicle loan that is in no way associated with me or my name.I am XXXX years old and am trying to survive on a fixed income and now have a negative checking account balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I went on line to Equifax to get my credit score which was XXXX. I have never had a score below XXXX. I called and got no where. Also sent emails to them after checking my XXXX Fico Score of XXXX and my XXXX Credit Score of XXXX. Presented those to XXXX but primarily got the same answer that they could n't do anything about it. They are incorrect. What can be done? 
Thanks, XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX is reporting the same debt with XXXX collection agencies on my credit report which is against the law ( FCRA ). They are reporting it with a company called XXXX IN, account number XXXX and Franklin Collection Services, account number XXXX. XXXX XXXX XXXX is trying to collect a debt in which I do not owe. I contacted the company explaining to them that they are charging me for 2 months of service when I had the service less than a month. I went to XXXX XXXX XXXX because they were one of the service providers that offered the discount for lifeline. The XXXX XXXX XXXX rep indicated that they can offer be a better service and did not provide my lifeline discount which was the reason I went to the company for lower rates which it did not pan out to be that way. I obtained the service with XXXX XXXX XXXX on XX/XX/XXXX or XX/XX/XXXX because I called in because the equipment had not arrived and I am sure they can check there records of that. I switched my service back to XXXX on XX/XX/XXXX which was less than a month of service. XXXX made an error and assigned me at new phone number which was XXXX. But, when I went back to XXXX they were supposed to port my original phone number that I had with XXXX then XXXX XXXX XXXX but they did not. I tried to explain to XXXX XXXX XXXX as the party I spoke to said that you had to use our services because you had to have the phone for the internet. I tried to explain, that they XXXX had already gave a new phone number so therefore all my services were active with XXXX and when I discovered they had not ported my old number like they were suppose too, they ported it in. But I asked for someone in management to explain I was not using their service from the date of XX/XX/2016, was told someone would contact me, never heard anything and now I discover they have the debt on my credit reports with the XXXX collection agencies which is against FCRA and are suppose to be deleted by law. I have had XXXX in the past and always paid my bill and never had a negative circumstance and extremely upset they would result to this unfairly,

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I had checked my credit report and noticed that  XXXX  account was opened up under my name  XXXX  account with  XXXX   XXXX  and  XXXX  with  XXXX   XXXX , I immediately contacted the credit card companies and explained about the fraudulent accounts that was opened up under my name and had them closed those accounts and through the process I learned that those accounts were getting paid through my CHASE business account. On  XXXX   XXXX     2017 I  contacted CHASE where I had my business account was and after being on the phone for ov er 1 hour and transferred from one  person to another person opened up a claim with them and they emailed me a package for my claim that I needed to sign and send to them and get my account credited. Two days later I received another email from CHASE and that email was stating that my claim has been denied and would not get my account credited. I immediately got on the phone and I spoke to a lady by the name of  XXXX  from  XXXX  and explained to her what just happened and she could not answer me correct then I asked to speak to s ome one in united state and t hey had me on the phone holding for over 55 minutes and was told that there is no one available in united states then I asked to speak to a supervisor which that got denied also. Earlier today I called CHASE claim again and went through the same run around first speaking to some one in  XXXX  for over 17 minutes then being on hold for 15 minutes to speak with a gentleman named  XXXX  that he told me he was a senior account specialist. He then said that the claim was denied. He would not identify himself other than the time I called and his first name and he also refused to give me a direct phone number.  XXXX  said he denied my claim because all the information CHASE had was correct. He ignored the erroneous information and fraudulent actions and chose to deny my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage service company was changed from XXXX to PHH. All of a sudden, we received their statement wanting for us to pay more into an escrow account. This is a big surprise. We never agreed on an escrow account. We have been managing our taxes and insurance by ourself and none was late or anything. We have not received any communication from PHH about what happend and why we must pay more into this new escrow account. 
We used to pay {$2400.00} per month ; now they want us to pay {$3400.00}. This is a big increase we are not prepared yet. We are surprised at this escrow. We will call them ( PHH ). in the meantime, we want to pay the $ XXXX/month. Is it OK? In other words, can PHH force an escrow account on us without our consent? Thanks for explaining to me why is this possible?

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: The mortgage originator that worked for Wells Fargo was a XXXX and had personal financial issues. He knew my person issues - separating from a 30+ year relationship and all my financial history. He played me for which I am truly embarrassed. However, he would never have been able to do that unless he knew all of my personal information. He coerced me into a personal loan for {$30000.00}. Wells Fargo has no interest in filing a complaint against his XXXX # for me nor do they have an interest in offering up a solution. This transaction was done while working on XXXX mortgages for me and while working for Wells Fargo. Some of the personal loan information was done on WF email. He should never have been in that position with his financial history, bad credit, tax liens, etc. or because of his XXXX situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There are XXXX invalid and prematurely placed liens reporting in the public records section of my file. lien 's labeled under ID # XXXX and ID # XXXX need to be removed. I have repeatedly disputed these accounts as they have been removed from my name and are no longer on my name in the county and federal courts. These liens were accidentally placed and no longer valid nor have been valid for years now. I keep relaying this information to Equifax to remove them but they refuse and keep verifying it as mine but do not conduct a proper investigation to see that they are NO LONGER ON FILE and are not linked to my name. They refuse me any procedures or any description so that I may see how or who has verified this to be accurate. i do not believe that they have conducted a legal investigation at all. they continue to violate the law and they are ruining my life. please, can the CFPB and FTC help assist me in holding this company responsible for their fake investigative duties and their lack of proper correspondence with the consumer?

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and I have an unauthorized and fraudulent inquiry listed on my Trans Union credit report. The following inquiry is unauthorized and fraudulent : XXXX XXXX Bank, XXXX/XXXX/15

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 07-01-2016 about Debt collection (I do not know) with Security Credit Services, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hello Sir Compay call Security credit services call me in XXXX and told me i have {$1700.00} payment left which i never borrow and lease from any XXXX. I told them to send me written or email notice but they didt send me any thing and yesterday they put inquiry in my credit companies. So i like to take further step with you so you can help me for this.i have there info Company : - Security Credit Services Address : - XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX ID : - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I had unauthorized hard inquiry on my credit report from the following company : Company : XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2017 2017

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 06-02-2017 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/XXXX , I disputed the unauthorized inquires on my credit report as fraudulent and unauthorized. Within 24 hours, I received a reply from Equifax stating that the inquires are accurate and a factual record of the files accessed. However, they did not complete any investigation to verify the inquires. I have had my identity stolen 3 times within the year and these inquires are not mine. I would also like to mention, that none of these inquires are tied to a positive or negative accounts on my credit report. I have attempted to contact all the companies to have the inquiries removed and all the companies referred me back to the credit bureau as they have no active accounts tied to me name.
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I have requested that the following inquires be removed :    XXXX   XXXX      XXXX   XXXX   An Inquiry that is tied to no name at al  XXXX   XXXX   XXXX  / XXXX    XXXX   XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: XX/XX/XXXX -- - captured screen shot applied amex spg credit card for XXXX bonus points offer and instant approved ( earn XXXX bonus starpoints after use my new card to make {$3000.00} in purchases within 3 months and an extra XXXX bonus starpoints after make an additional {$2000.00} in purchases within the first 6 months ) XX/XX/XXXX -- - captures screen shot confirmed my XXXX bonus points offer XX/XX/XXXX I already paid over {$5000.00} but i did n't get any points.
so i contact chat and call many times.
- XXXX : chat ( XX/XX/XXXX ) tells " points will post to my account '' - XXXX : chat ( XX/XX/XXXX ) investigation case number XXXX - XXXX ( ID XXXX ) : call ( XX/XX/XXXX ) tells " do n't worry, points will post to my account on XX/XX/XXXX '' now i really can not understand this issue.
because, spg XXXX reward bonus point offer goes all year round.
so i have to receive at least XXXXpoints!
but i did n't get any points. ( XXXX point )

Company response to consumer: Closed with explanation