milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Wednesday XX/XX/XXXX I contact XXXX XXXX in regards to the excess of credit inquires on my credit report. I spoke to a rep By the name of XXXX XXXX. I explain to him clearly that the information on credit report was due to the recent security breach that XXXX XXXX tries to fix but failed miserably. XXXX XXXX has put this unverifiable inaccurate frivolous information on my credit report and refuse to remove. The unauthorized information has brought my score down 9 points. Here is a list of inaccurate inquires that are reporting.

XXXX XXXX on XX/XX/XXXX XXXX XXXX REPEATED XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XX/XX/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 12/25/2017 about Debt collection (Other debt) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On the day of XX/XX/XXXX I received my regular check from my employer which it was the amount of XXXX. I later on mobile deposited onto my account and left the check in my purse for several months. on XX/XX/XXXX I went shopping at XXXX and someone stole my XXXX XXXX  purse which contained my work checks from my employer. I was lucky to have my wallet on hand while my purse was on the shopping cart. unfortunally I turned around for a sec and the purse was gone with my personal belongings, phone and checks that where by digital deposit into my account. days passed and on XX/XX/XXXX my employer came up to me and asked if I re cashed a check from XX/XX/XXXX for the reason that XXXX was deducted from her business account. I later realized that the same check I mobile deposit on XX/XX/XXXX was re cashed on XX/XX/XXXX and of course my employer went to her bank and filed a fraud complaint regarding the stolen money. A week had passed and I log into my account and I realized that I was XXXX less which I was confused and of course called my bank immediately and my bank had said they took that money and put it back to my employers account which is XXXX XXXX XXXX. I was furious because now my account is being affected due to this money being less. I went to my employer to let them know money was taken out of my account and they rushed into their bank to talk to a XXXX XXXX XXXX manager to let them know that the check that was cashed on XX/XX/XXXX was thef. I called my bank several times and they could n't do anything for me they stated that the check was cashed on Santander Bank and suggested for me to go and talk to them regarding my problem. I did go and explain my situation and said they could n't do anything for me. I went to XXXX XXXX XXXX ( where the check is originally from ) I explained that fraud claim was made and I wanted answer, they could n't give them to me. So basically a check with my name was disputed/cashed in Santander bank without my Identification or knowledge. I need answers and of course my money back. XXXX XXXX XXXX did n't look into investigating bank Santander where the check was disputed and they went after my account to take the money out. I need answer I have a police report as well and when my employer went to do the fraud complaint she took the police report to show it is thef.

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 02/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Credit Protection Association used lies and deceit on several phone calls. Eveery agent did not recite the mini miranda. I was told by XXXX agent that thy do not accept settlements. Then i was offered XXXX. The next agent gave me a settlement figure and I told them I would raise the funds. XXXX XXXX stated that I did not respond within 24 hours and I have phone records to prove otherwise.

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 04-09-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My student loans were through XXXX XXXX now Navient has taken them over. I am the borrower. My soon to be ex-husband is the co-signer. I 've never gotten any correspondence via mail, email and/or phone calls saying my loans were even due. Yet Navient began calling my ex telling him at XXXX to pay {$2800.00} right then or they would ruin his credit. He works for the XXXX. He was then called and said to pay {$450.00} and they would stop calling him. He called me I contacted them they were just as rude to me. Telling me I was divorcing him so he could n't be that good and I should n't trust what he was saying. I was then told I could pay them a Fee of {$150.00} to put my loans in forbearance. When I spoke with XXXX XXXX the supervisor and told her I 'd get a pre-paid card and call them back because the sites say they take amounts they should n't out of people 's accounts. I tried to work out payments with them and they said no. That if I did n't pay exactly what they wanted they 'd make sure I never get my divorce by telling my ex that I am refusing to pay. I called my ex and he said they acted the same way with him. I called again and they stated no one said theses things to us so I told them their calls are recorded XXXX XXXX got on the phone again and said they are for quality control and that if I record them she 'll have the police at my home and make sure my children see what a looser I am for not paying my bills. You ca n't communicate with them at they are nasty rude tell me to get a better job. Get married or marry someone with more money! They need accountability. All the compliants I 've read are the same. Why does the FDCPA even have rules if they are n't held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: TransUnion refuses to remove a public record from my report in accordance with NYS GBL 380-J ( F ) ( iii ). TransUnion states " we do not follow part of the law '' and does not differentiate between a paid tax lien and a paid sales tax lien. Despite the later is to be removed withing 30 days, the former remaining for 7 years. 
TransUnion refuses to verify this information with the original creditor ( NYS ). 
*see attachment

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 08-11-2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XX/XX/2016 I pulled my credit report to find XXXX hard credit inquiries on my credit report that did not belong there. A certified letter to all XXXX credit agencies was sent requesting the removal of the inaccurate information on my credit report. The XXXX letter was the same as the XXXX letter. They stated that they will not remove these inquiries and that I needed to contact each individual company and have them remove it. Per the FCRA statutes, the only permissible purpose for pulling someone 's credit report is a firm offer of credit, insurance, employment, or a court order. None of these things apply to me. The request to remove inquiries was sent to all XXXX CB 's twice and the same response was given

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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AmeriHome Mortgage Company, LLC (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have been working with Amerihome Mortgage company regarding late payments removal, which has been unsuccessful ; I was unemployed and was approved for an unemployment forbearance repayment plan that was effective for 4 months XXXX 2017- XXXX I was making onetime payments per arrangement ; during this period I made multiple payments that were not applied to loan they would only credit $ XXXX/ month ; in XXXX I was approved for funding via Illinois Hardest Hit they made reinstatement payment of XXXX on X/XX/2017 which was suppose to post on account by X/XX/17 ( which it has not ) and will begin making monthly payment on my behalf X/X/2017 ; my issue with Amerihome mortgage is that in XXXX they were reporting on-time on payment noting for agreed amount in the beginning of XXXX they update reporting to 160+ days past due which is incorrect. They are also reporting the wrong balance ; the correct balance of mortgage loan is {$140000.00} not XXXX. Payments were made on-time per arrangement XXXXXXXX 2017. I have disputed late payments via all three credit agencies, have sent emails, and written request to update payment history and balance which to this date has not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I originally did go delinquent on a college loan directly with XXXX college in XXXX in XXXX. They sent it to collections and a couple of different companies picked up the debt. I paid the collection in full in XXXX. However the collection company that had the debt last moved the original delinquency date up to when they acquired the collection contract to XXXX of XXXX. It is my understanding that original delinquency date of XXXX should be the reported case.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a XXXX credit card. They reported back in XX/XX/XXXX a balance of {$500.00}. It is now mid XX/XX/XXXX and they still are not updating the credit bureaus that the balance is XXXX. I spoken to them several times with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Starting XX/XX/XXXX, the three major credit reporting agencies, XXXX, Equifax, and XXXX were to enforce stricter rules on the public records they collect, requiring each citation to include the subjects name, address, and either their Social Security Number or Date of Birth. As ofXX/XX/XXXX, the inaccurate information is still reporting on my Equifax, XXXX, and XXXX credit report. 

Furthermore, the told me to contact XXXX XXXX XXXX 

When I go to the link XXXX states : you have concerns that a record has been erroneously matched to you and included in your credit report, please contact Equifax to correct the error. XXXX does not match public record data to consumer credit files for Equifax. Equifax performs this matching themselves. 


Equifax, XXXX, and XXXX refuses the follow the new standards that are apart of the National Consumer Assistance Plan, which is an initiative of the 3 nationwide consumer reporting agencies, XXXX, Equifax, and XXXX to enhance the accuracy of credit reporting information. 

There is no public records that contain my name, address, social security number OR date of birth.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (Credit card) with STERLING JEWELERS, INC. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted by someone over the phone claiming they were going to sue me for committing fraud over a debt I used to have ( and have paid off ). He said that they would settle it outside of court for {$1800.00}, I told them no, and they put me on hold and came back saying they could do it for {$1200.00}. 

When I asked for it all in writing and proof they are legitimate, He got very angry and said he would not give anything in writing until I had agreed to pay this off over the phone. He then said the only way to pay it off is over the phone. I again said no, because it sounds like a scam, and he followed up saying that he would deliver the court papers to my address ( which he had an old address ) and proceeded to get angrier with every bit of information I was trying to gather to see if it was even legitimate. 

I have proof that I paid off this debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Experian requires you sign up for $ to get your 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 02-11-2017 about Credit reporting () with JPMORGAN CHASE & CO. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: To Credit dispute department : XX/XX/XXXX - Contacted Chase Services about account {$8300.00}, was informed that they would be sending me a XXXX form for balance on account. 
XX/XX/XXXX taxes, filed XXXX XXXX, XXXX {$8300.00} Reported as income from form XXXX from Chase Card Services, included as income reported for the year, and paid taxes for same. 
XX/XX/XXXX - Attempting to qualify for a mortgage, contacted Chase services again, to request that the amount of {$8300.00} be removed from my credit file, after having received XXXX and reported amount as income XX/XX/XXXX. 
XX/XX/XXXX - Am told by Chase Services that the only way the amount will be removed from credit report is if {$8300.00} is paid to them to XXXX the balance on the account. Have spoken with various entities at Chase, provided the XXXX form they sent me, but they refuse to XXXX the balance on my credit report. Can anything be done? '' XXXX has XXXX out the balance but XXXX and XXXX has not changed it. I have the XXXX form if needed provide me with fax or email to copy and send. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Problem with fraud alerts or security freezes

Complaint: I was affected by the Equifax security breach, and using their online process to freeze my account, I put the freeze on it, and then their system was supposed to generate a PIN for me so I can unfreeze it later. The system did not generate a PIN, instead I got a system error message. When I called their help desk dedicated to the security breach, it is outsourced and the call center representatives do not have the ability to respond to technical problems. They refer you back to the general equifax number. That is an automated message that does not include an option to get technical support related to the cybersecurity breach and freeze requests. So, there does not appear to be a mechanism for consumers to resolve technical problems with equifax related to their failed system for freezing credit scores/accounts. 

I think CFPB needs to come down pretty hard on Equifax for failing to provide adequate technical support to people who are experiencing problems with freezing their accounts, getting their PINs, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Credit card) with CITIBANK, N.A. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am showing a debt to " Macy 's '' on my credit report. When I contacted the company listed as Macy 's they said Citibank was handling the case. When I called Citibank a woman named XXXX said that because the account was past the statute of limitations, it was too old to be sued and that they can not make any attempt at collections or even discuss the matter with me. They said that I could write to them or send them a check, but they would not explain who the debt was listed under and what it was for.

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 02-06-2017 about Credit reporting () with Hunter Warfield, Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I explained that revolving credit has a time frame. In return to my response, the reset date of all my debt was XX/XX/2013 versus a removal and an increase in my credit scores. XXXX XXXX XXXX : The final result was a verbal conversation with a customer rep from XXXX to inform them that all debt has to be erased on all revolving accounts due to being opened in XXXX. I have paid and it was not properly reported. The account is accruing interest, which is being reported, not the debt that was paid. Thus it requires removal from my credit report. Judgement : There is also a judgement listed as an installment account such as a car payment for an apartment with unfit living problems such as floor boards being uneven and imperfections in the carpeting. The XXXX XXXX XXXX had us sign a lease agreement for XXXX months to keep us locked in a higher rental rate to cover it 's XXXX quarter of the year. Thusly, I sent letters attesting the non legal nature of the lease under the Renter 's Rights. XXXX XXXX XXXX : The car with XXXX XXXX was bought under the XXXX law due to its previous accident being omitted from the XXXX reporting and battery not being replaced. I was not told it was a program or rental car by a previous company such as a rental agency. I discovered this due to the previous owners names recorded in the Blue Tooth Device. XXXX : The services were disconnected in XX/XX/2013 and I was still being billed. Advised the company to come and get the boxes, due to the status of my XXXX, I was not able to XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Mortgage (Conventional home mortgage) with 21ST MORTGAGE CORP. (FL).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX I called 21st Mortgage Corp. to see if my check # XXXX {$390.00} was received for my XX/XX/XXXX mortgage payment which I sent onXX/XX/XXXX with first class stamp in their envelope and payment stub. I was told to wait a few days to see if it showed up. I was then called by the person I spoke with ( XXXX XXXX ext. XXXX ). that my check was not received and that I could either make a payment over the phone or wait. This has happened two times previous that my checks were not received and my account was delinquent which affected my credit. I made the payment over the phone and stated that if check showed up to contact me and or return the check. Neither occurred, on XX/XX/XXXX I noticed a second withdrawal from my bank account. I called the person to ask why the check was deposited and he said he had no control over this situation. I am on a fixed income and had to make arrangements to recoup from the additional costs As stated before this is the third time this has occurred, and it should be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is reporting an old debt from XXXX XXXX - its older than 7 years old - the debt was opened in XXXX paid in full in XXXX its also being reported as 30-59 Days Late when the loan is paid in full. 

i tried to obtain a car loan recently and was denied due to this old car debt being reported on my credit file. Its not being reported to any other bureau but experian

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 08-02-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PNC Bank N.A. (OH).
Issue: Confusing or misleading advertising or marketing

Complaint: i had money transfer to me from a friend through the PNC virtual wallet insider app the money was received by PNC bank on XXXX XXXX 2017.
i still dont have the money yet, its like its been lost,, i have talked to a half dozen people who refuse to call me back and update me..
i have an email fromXX/XX/XXXX showing the deposit into my PNC acct but funds wouldnt be realeased for 3 days, and it shows as being received inside their vitual wallet insider app on XX/XX/XXXXi have taken on late fees from creditors, ( ive had bills shut off and had to pay reconnection fees ) had to borrow money to pay bills, they arent even trying to solve this,, I used the XXXX App that they advertised an instantaneous money transfer only to find out once transferred, there is a 3 day wait the money is lost ... no one can find it,, the friend that sent me the money will not give it to me again, as it hasnt been returned to his acct, even though PNC has said they disputed this weeks ago XXXX confirmed last weds, that the money was received by PNC onXX/XX/XXXX but yet i have not received anything but,, being blown off by everyone in this bank, including the escalation dept.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: many telephone calls from some guy calling himself XXXX XXXX at XXXX extension XXXX. He said he 's collecting for XXXX and I told him I had never had an account with XXXX and do not have an account with XXXX and he threatened me. Said if I did not give him personal information that he would just keep trying to get payment.

Company response to consumer: Closed with explanation