milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My data was part of the Equifax data breach. An unknown entity now has my information due to Equifax 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed an account with all three credit bureaus repeatedly and reached out to XXXX XXXX XXXX regarding debt validation of an account that is reported on my consumer credit report with Equifax, XXXX, and XXXX. No one has yet to validate this debt! 

Also, I have requested for Bureaus to remove hard inquiries from my Credit Profile that I did not request as well as incorrect addresses which to date all still remain. This has been done by phone, fax, email, as well as mail.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX XXXX did n't replying in a timely manner to my initial letter on XXXX, or have they to date after 4 certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting. I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf has resulted in a small claims action against their company in XXXX XXXX. As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month. I also am have a pending lawsuit against XXXX, Experian & XXXX for not investigating nor responding to me as well, and taking no action when XXXX XXXX did not reply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been enrolled in the XXXX XXXX XXXX XXXX for loan repayment. I am nearing the end of my 2 year commitment. I am required to verify that the entire XXXX dollars provided to me was put on my non-cosigned signature loans. I reviewed my account and found that I was approximately XXXX dollars short. So I contacted navient, gave the the loan number that the money needed to go on and requested a receipt verifying that this was done. The check was a bank check and my bank also printed the loan on number on the check. I did not receive a receipt so I checked my account and found that Navient had spread the funds over several accounts. If I can not verify that all of the XXXX dollars went to the XXXX listed loans, I can be fined over double of the amount given. ( over XXXX dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-07-2016 about Mortgage (Conventional fixed mortgage) with Selene Finance LP (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Hi My name is XXXX. I recently applied for a modification loan with the company that is now servicing my loan. I sent in all the required documents and the company Selene Finance. A representative showed up at the property which I have rented out and gave all the details of my current loan to my tenants. Told them I was behind on my mortgage payments and they could send in the rent payments to the Mortgage company directly instead of me. They gave details about my private information which is a major violation to the privacy act. I was so upset I called them right away to file a formal complaint. They said they cold not do anything and they were sorry this happened. I am writing them a formal letter and also filing a complaint with your agency. I hope this type of behavior is corrected so it does not happen to another consumer. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have XXXX account that was under the Fair Credit Reporting Act and it was 7 years on XXXX delequiency in XX/XX/XXXX. I was also reported late in XXXX and XX/XX/XXXX. This should be deleted from my file. They are telling me XX/XX/XXXX it will be deleted. This is not accurate and they are extending the time. Both XXXX and XXXX deleted the XXXX. Please assist in removing these from my file

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 (Payday loan debt) with Rosebud Economic Development Corporation (IN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Still repeatedly calling me after receiving notice to cease and desist

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (GA).
Issue: Managing the loan or lease

Complaint: A representative fraudulently took money out of my account without my authorization. I did not give permission to take my payment out nor was I set up on auto draft. I was not past due and when I pay I have to give my expiration date and XXXX XXXX along with my billing zip code. Also the amount taken out was manually entered because it was less than my normal bi weekly payment of {$190.00}. The amount taken was {$180.00} on XX/XX/2015. I was called several times that day and sent email from cnac. A customer that is current should not be harrassed like this. I call XX/XX/2015 and was placed on hold while a supervisor reviewed my account for XXXX minutes then hung up on. When I called back a was transferred to supervisor " XXXX '' whom used abusive collection tactics for a customer calling about fraudulent activities on an account. He would n't let me explain my concerns and was extremely unprofessional. He said I owed the payment which made me feel this is okay for CNAC to process my payments without my authorization and choose whatever dollar amount. Had he handled the call as a member of management would I would have not filed a complaint this. Furthermore " XXXX '' said he would refund my money but started to collect the money right back! Saying I am 3 days past due so I need to pay him. I do n't feel comfortable with my loan being with CNAC and representatives just take money out of my account just because they have access to it to obtain personal and company goals. I also advised the supervisor that I may have to file a CFPB complaint to amicably handle this matter and he said, " SO '' I can understand an error but this is someone fraudulently taking it upon themselves to run my payment. XXXX did n't seem to think this was a serious offense.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Requested to have the freeze temp unlocked/lifted. They said to send COPIES of specific documents. This was done via Priority Mail. Just received in mail that I did not send in the req. docs. I did. I marked off what they wanted. 
XXXX is refusing to do their job and the companies that are requesting this ( NOT I ) are still waiting after over a months for these people to do what the person ( I ) have asked them to do. THIS IS ILLEGAL. 
Lift temp.the freeze IMMEDIATELY. THAT IS MY RIGHT. 
This is a formal claim against TransUnion. 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 non-monetary relief
Consumer complaint received 03/21/2016 about Debt collection (Medical) with Account Services Collections, Inc (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: " Account Services '' is sending me letter and making threatening calls regarding an incorrect statement. In 2013 XXXX XXXX XXXX contacted me for the same and upon further investigation they suggested that I do n't owe anything and I have a letter stating that they were suspending all collections activity. I tried to explain the same to " Account Services '' and they are unwilling to listen to me and threatening to impact my credit score. My File # XXXX. I need help to resolve this matter as I do n't owe this money however I am being harassed and threatened by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX, EXPERIAN, and XXXX is posting old information on my credit report. I have made several attempts to settle the matter and XXXX, EXPERIAN, and XXXX have ignored my notices. As of today, XXXX/2017, i have several inaccuracies listed on my credit report and old information that should be removed according FAIR CREDIT REPORTING ACT and statue of limitations. My character is being damaged and the Credit reporting agencies is making it very difficult for me to obtain new 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 11/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: XXXX XXXX My card was stolen I reported to Bank of America & had card canceled Had conference With manager & was credited the false charges, However approx 2 months later my they debited my account {$470.00} the amount of my social security check all I had in my account, I called the card company & was informed an investigation? had reversed their decision without my knowledge or letting me know. It 's been around 4 months & I thought I had nowhere to turn for help then a friend told me about how cfpb worked to mediate the situation in his favor. 
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 06-06-2016 about Debt collection (I do not know) with SKO Brenner American, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i not recognized that is my debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Settlement process and costs

Complaint: In XXXX of 2014 a contract was written for the sale of the property address of XXXX XXXX XXXX with Chase being the primary mortgage holder. There are also XXXX junior liens on the property. An offer in the amount of XXXX was submitted via a short sale. The XXXX and XXXX lien holders accepted, however, Chase rejected the offer over a {$1500.00} shortage. The seller, the buyer, the agents and the attorney all offered to compensate for the XXXX difference and Chase further rejected to help settle and close this case. 8 months later the buyers decided to move on thus causing this deal to have to re-start. Another offer has been secured and we need for Chase to offer full cooperation in the sale of this property especially while the property is desirable.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Stated that it was correct, even though I called the original creditor and they said that it was never suppose to be on my credit report. I am lost and confused. I just do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been disputing information on my Equifax credit report for the last nine months. I was a victim of credit fraud with several creditors. I was successfully in contacting some of the creditors and submitting the same documents that I submitted to Equifax and they submitted a request for them to be removed. Equifax is sending me letters saying that they found them to be all factual and accurate. I have been out of the country deployed for nine months when all of this happen and they still refuse to remove these inquires even though I submitted copies of deployment orders, I do not reside in the state where it occurred, I submitted all requested documents that they asked for, and place a fraud alert on my credit report. The keep sending me letters to my home saying that they find everything to be factual while I m still deployed. I have upload a copy of my deployment orders. This is the only document that I have to upload at the moment are my deployment ordres since I am still deployed.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit card () with PNC Bank N.A. (MI).
Issue: Rewards

Complaint: After over 7 years of credit card purchases thru PNC BANK points Visa Signature Credit Card, I decided to utilize the points accumulated to purchase products from the rewards catalog. However, after logging into my account online discovered, that PNC stole XXXX points. After calling, the PNC representative acted surprised and said that a written response would be sent ( Exhibit A ) which stated that the points expired! This was never discussed or pointed out by the PNC branch manager when " selling '' the rewards program/credit card to me and hides notices in small print on the back of statements. In a Class Action Settlement XXXX XXXX XXXX XXXX this issue concerning forfeiture was addressed. I demand my hard earned points back along with any punitive orders due to stress and emotional distress. The schedule of events and statements are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: experian is reporting incorrect information on my credit report. I tried to re-dispute information that is incorrect and the system will not allow me to do so. My report number is XXXX. First they will not correct XXXX accounts with XXXX. These XXXX accounts are reporting as discharged through chapter XXXX bankruptcy. This is FALSE information as I NEVER filed chapter XXXX bankruptcy. This is having a very negative impact on my credit score with this wrong information. I contacted the original creditor and keep being told that it is confirmed that I never did chapter XXXX bankruptcy with them and it will be corrected. I reported XXXX to the XXXX and received a response from the XXXX that they never responded. I am complaining about this because it is ruining my name and my credit worthiness having this false information on my credit report. Also capital account acct # XXXX is reporting an incorrect balance. The collection agency has agreed to delete this from my credit report. I submitted a dispute with experian in regards to this and received a response it has been verified. This is also incorrect so I tried to re-dispute it again and again the system will not allow me to do so. It says that I already previously disputed it and they will not allow another dispute. This is completely wrong as well. Experian is ruining my credit score with incorrect information that they refuse to do a proper investigation. This is causing me a hardship in obtaining 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 07-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Choice Recovery, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX : XXXX XXXX XXXX XXXX Choice Recovery XXXX XXXX XXXX XXXX 

THIS notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
Upon recent review of my credit report, FIRST FEDERAL CREDIT CONTROL- XXXX Credit Report : Account 1 ) XXXX COLUMBUS XXXX INC./and CHOICE RECOVERY INC. : Account 2 ) # XXXX - XXXX. XXXX XXXX, XXXX XXXX XXXX Collection agencies are reporting that I owe the above creditor XXXX Car Rental a debt. I am in dispute of this unfair debt collection practice and inaccurate billing dispute. How could I possibly owe XXXX these creditors for the same exact debt? XXXX Re : XXXX Car Rental ) As per this rental, this was an insurance claim, paid in full by my Insurance with : XXXX INSURANCE- PLEASE CHECK YOUR RECORDS CAREFULLY. Upon return of my rental the agent on duty never advised me or called me to discuss with me THAT I HAD A BALANCE/ OR gave me an opportunity to actually DISPUTE the issue. 

I am requesting that you investigate this illegal deceptive practice and verification of this questionable debt collection agency/or agencies. I NEVER RECEIVED ANY NOTIFICATION OF THIS DEBT or a description of what I owe this money for. Apparently this is a scam ; this appears to be the same exact companies. This is an illegal Unfair practices. Debt collectors should not be allowed to engage in unfair practices when they try to collect a debt. For example, in this case, they should not identify themselves as different companies, when they are actually the same. 
Please investigate this matter. I do n't even know who these companies were until this account was turned over for collection. Could it be credit theft? I 'm not paying until I see an accurate billing statement. FUTHERMORE, " The FTC CLEARY points out, " Every collector must send CONSUMERS a written 'validation notice ' telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you do n't think you owe the money. '' I never received any notice. Subsequently, The FCRA also protects consumers from the misreporting of information on your credit report. If a debt collector or credit bureau reports incorrect or inaccurate account information, it is violating the FCRA. Examples of violations include failing to report that a debt was discharged in bankruptcy and reaging old debt to extend the statute of limitations. In this case, it is definitely apparent that a collection agency or Credit bureaus can most definitely mix up similar credit files and misreport information. Therefore a consumer, should have the right to dispute any information he/she may feel is not possibly reported accurately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/XXXX : I noticed unauthorized accounts on my credit report and I contacted ; 1. Federal Trade Commission ( report ID Theft ) XX/XX/XXXX 2. XXXX County Sheriff 's Dept ( to file a police report ) XX/XX/XXXX 3. Each creditor in question ( XXXX XXXX XXXX, XXXX XXXX XXXX. & Capital One )XX/XX/XXXX 4. 3 Reporting Credit Bureau 's ( XXXX, XXXX & XXXX XXXX ) XX/XX/XXXX The creditor 's & bureau 's refuse to block these accounts and continue to allow these accounts to effect my credit negatively. I have still not received a response fron the Bureau 's nor the Creditor 's.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I get some accounts on my credits reports with XXXX balance who was closed on XX/XX/XXXX and not going to be removed until XX/XX/XXXX. I want this account to show paid as agreed and be removed immediately. The name of the account is XXXX XXXX XXXX XXXX. The balance on this account is {$2300.00}.

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 01/13/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Problems caused by my funds being low

Complaint: I had been accruing a lot of fees on my account, like several a day. After speaking with numerous managers they agreed to waive MOST of the fees XX/XX/2016. I explained that I wanted to turn overdraft protection off and have my card to decline when there is n't enough funds available on my card. Somehow, during the conversation with the bank representative, I was enrolled into debit card coverage which in turn, created the same issue I was trying to avoid. Just recently I 've been charged with XXXX insufficient funds fees and they are refusing to waive them. This creates so much debt for me and that money I needed to pay bills which is going to put me behind. I 'm not even sure of how to resolve this.

Company response to consumer: Closed with monetary relief