milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I talk to XXXX over at Equifax XXXX/XXXX/2015 XXXXEst. I called to ask about permissible purpose allowing false data to being reported on my report and the protection of my identity. He stated that the data was factual. ( Factual : Concerned with what is actually the case rather than interpretations of or reaction to it ). I have sent over XXXX Letters out to these creditors asking them to show permissible purpose that I allowed permission to run my private information, I did n't receive a letter of return from not one of these companies. I have engaged a freeze on my private information because of the damages. It is your responsibility to ensure that the creditors demonstrate clean permissible purpose in accordance with the FAIR CREDIT ACT before releasing a consumer 's credit report Demonstrates that the hard inquiry for met the requirements, pursuant to the fact. 

XXXXXXXXXXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXXXXXXXXXX XXXXXXXX XXXXXXXX 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThere are multiple dates reported that it was permissible purpose. Please show that it was permissible purpose, each dates, each creditor full documentation. The data is very damaging

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Credit reporting () with EQUIFAX, INC. (MT).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax began reporting a judgment on my credit report XX/XX/2015. I disputed this and received a copy of an unsigned unfiled judgment. An unsigned unfiled judgment is not a legally binding judgment. Equifax states that I did not respond within the 30 day period but this is incorrect as I was not notified by Equifax of the need to respond. 

I am continuing to dispute this judgment on my credit report. Please provide me with a copy of a judgment signed by a judge with an actual court filing date listed on it or remove this judgment from my credit report immediately. Prove this judgment is what you say it is or remove it. 

I have attached a copy of the purported judgement. It bears no judicial signature, no filing date, and there is no indication who signed it or otherwise. Please provide a copy of the legal document you are reporting or remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (Medical debt) with Credit Solutions, LLC (KY) (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have requested removal of this paid-off collection and duplicate reporting to the consumer credit reporting agency. They told me, I need to contact creditor to remove. I have written and called them with my dispute to remove since the debt has be satisfied and paid completely. They have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Transaction issue

Complaint: I set up autopay with Bank of America a few months ago. When I go to their website I see the terms that i set up : Pay in full on the due date. For the XX/XX/XXXX cycle I paid directly through my bank because there was no notation on the bill that the autopayment was established. As of today I should have current charges not yet billed totally XXXX. This bill has not been rendered and there is no balance on the bill. The bill will be rendered on or about XXXX XXXX, and the due day would be XXXX XXXX or thereabouts. HOWEVER, the bank decided to debit a minimum payment of XXXX even though there is nothing due.

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 monetary relief
Consumer complaint received 09/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This debt was originally with XXXX. I disputed the debt with XXXX Credit services a year ago. Since then they removed the account after there 30 day investigation. Since then XXXX has sent the account to Southwest Credit Company which is a collection company. This company has reported it back on my credit again with there account number. I called this company on the phone and tried to explain that this account has been removed over a year ago

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Student loan (Federal student loan servicing) with National Recoveries, Inc. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am being harassed, threatened, and abused by student loan collection agency. 
I have a right to cancel the loan, victim of identity theft, they failed to accurately inform me of my borrower rights, acting in an aggressive collection tactics, refused an affordable repayment plan, violating Fair Debt Practices Act, and refused to provide evidence of the original debt from XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I wrote a letter to FDIC which was forwarded to your Bureau. I was promised that you would let me know the companies response but you failed to do this. I called someone in your Bureau who told me she would sent me a hard copy of the companies response but it never arrived. Further you closed my Complaint file without ever responding to my request for the companies response. So far there is no resolution to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The credit bureau would not properly investigate the public records that are not mine according to the State of South Carolina Department of Treasury and the XXXX County Court Clerk recorder, whom they did not verify any information with. It is against the FCRA to deem any public records as valid without contacting the source. The court stated that they do not verify any information with any of the credit bureaus. 
I sent the investigation in accordance with the Fair Credit Reporting Act, Section 1681i., and they refused to respond and have broken the law once again. All letters have been sent certified as documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Since XXXX 2015, I have been sending in " extra '' principal money on a monthly basis, requesting specifically that the checks be applied to principal. However, Green Tree Services does not directly do this. They put the money in " unknown '' accounts and when I contact them about applying the checks to principal, they always say it will take anywhere from 7 to 10 days to do this. Also, a person named " XXXX '' assured me that " she is watching my account ( for months now ) to ensure these checks go straight to principal payments. This is totally false, because as of yesterday, this problem is still going on. All I want is for Green Tree to properly apply my checks to principal as requested.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Consumer Loan (Installment loan) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Problems when you are unable to pay

Complaint: I had taken a loan out with XXXX finance XX/XX/2005, to do repairs to my house. I monies to repay them came out of my checking account automatic every month. Payments were made for about 2.5 years with no problem. Then my husband lost his job and I could n't afford to pay them. I had contacted them about the problem. However I have n't been able to pay them, so they put it on my credit. They have now sold the information to Midland funding, where they continue to report it on my credit. The problem I have is they have been on my credit for about 7 years already. I have disputed the account because they have stayed on my credit long enough. They never gave me the credit for the payments. They have also tacked on all theses interest and late fees that an {$7000.00} loan has turned into an XXXX debt. My dispute is that they have been on my credit for 7 years I thought it is suppose to come off. I contacted my bank and they said they only hold on to the information for only 7 years and they could n't give me my pay history.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Reporting Agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. The following companies I have NEVER done business with : XXXX XXXX XXXX OR XXXX XXXX XXXX. I DO NOT have a signed contract nor ANY contract with XXXX XXXX XXXX OR XXXX XXXX XXXX. I have the right to demand a to see an original signed contract between XXXX XXXX XXXX and myself and XXXX XXXX XXXX and myself. These contracts do not exist, the accounts are unverified, and hurting my credit report. Therefore, the below mentioned accounts MUST be removed from my credit report immediately. XXXX XXXX XXXX, {$520.00} XXXX XXXX XXXX, {$570.00}

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 03/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a judgment placed on me in XXXX of 2012 by XXXX apartment complex for an eviction in the amount of XXXX plus XXXX in court fees. I have been trying to pay this judgment to the apartment complex that placed it as I was advised to do the the judge 's office over this case. The apartment complex added XXXX in additional fees on my account after the judgment was set in place and then sent my account to collections with Hunter Warfield that now has a total of XXXX. I contacted the judges office that granted the judgement and they stated I am only required to pay the judgment amount of XXXX plus XXXX in court fees. And that the apartments do not have the right to add charges after the judgment was placed. All charges due should have been brought to court when we went. I am trying to pay this judgment and they have refused my payment because of the incorrect balance they are reporting on my account. My rights under the FDCPA have been violated. 
( 1 ) Contacting me at my place of employment despite receiving verbal notice from me that I am not allowed to accept such calls at work. After I stated this to the customer rep and provided her with my cell number she called me right back at my place of employment the same day ; FDCPA 15 U.S.C. 1692c states : Under the Fair Debt Collection Practices Act, a debt collector CAN NOT call the consumer 's place of employment if they have been advised that calls can not be accepted at work. 

( 2 ) Using rude and a hostile tone by the manager I was transferred to after requesting a copy of the itemized of the debt in question because the customer rep state she could not provide me with that information, the manager stated he submitted the information to be mailed to me and I still have not received a copy of the itemized statement for these charges on this account that was requested a month ago ; FDCPA 15 U.S.C. 1692d states Under the Fair Debt Collection Practices Act, a debt collector CAN NOT Use any profane language or any language that is harassing and abusive FDCPA 15 U.S.C. 1692d states Under the Fair Debt Collection Practices Act, a debt collector CAN NOT Engage in any conduct, the natural consequence of which is to harass abuse or oppress. 

( 3 ) Continuing to report to all XXXX credit bureaus an incorrect balance owed of {$4500.00} after I provided a copy of my court judgment for this account stating I actually owe {$1800.00}. 
FDCPA 15 U.S.C. 1692e states Under the Fair Debt Collection Practices Act, a debt collector CAN NOT Send false information to the credit bureaus

Company public response: Company believes the complaint is the result of a misunderstanding
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 Experian Information Solutions Inc. (FL).
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 have requested information on a XXXX XXXX account several times for validation of this debt and I have n't received true validation. Please help me They only send back generic information

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 08/23/2017 about Debt collection (I do not know) with EOS Holdings, Inc. (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Associate called multiple times in a row on the same day. X/XX/17 at XXXX XXXX, XXXX XXXX I called back and spoke to a gentleman at XXXX XXXX who refused to name himself and I had to ask 3 times for the company name before he would give it. He then demanded my SS # to which I denied and stated I would not do so without knowledge of what the call was about. Denied to offer. So I stated I wanted validation to which he grunted, really he grunted. 

I told him he must per FDCPA, he grunted again and hung up. 

I just received a letter demanding payment from EOS CCA post marked after the call date but the letter is dated 2 weeks before. I have tried to call the number back but it goes to a voice service now with no identification or message options. 

I again demand full validation of the debt all negative information from EOS removed from my credit report, all calls to stop until validation is sent and 30 days pass. I also demand fines to be placed on EOS and the collector on the phone for FDCPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: Almost 1 week back, I withdraw XXXX from my WellsFargo account to deposit the money in my XXXX account. The reason I wanted to move money was to avoid penalty charge on the " XXXX '' account for not having minimum balance. 

I could have chose to deposit the check but as I was nearby the bank and did not have check book with me, I chose to withdraw actual cash using my debit card and deposit it into " XXXX '' bank XXXX ft. away. I was given with XXXX bills of {$100.00} each in an envelope. I walked to the nearby " XXXX '' bank and tried to deposit the money via ATM machine in the lobby with the help of bank representative. Only XXXX bills got accepted and XXXX got rejected. The rejected money was then taken away by the representative and deposited manually. I returned to home and got a call from the " XXXX '' bank that the bill that was rejected was counterfeit bill. After I explained that the money was withdrawn from Wellsfargo bank the teller suggested me to go back to wellsfargo and ask for an exchange. He also gave me his business card in case wellsfargo bank representative wants to talk to him. 

On returning to WellsFargo, they refused to accept the money. They say as the money was out of door they can not guarantee it. How could anyone check so many bills before they leave the bank. And where would I get XXXX counterfeit bill. I simply trusted the bank I bank with. I trusted their teller and I trusted their counting machine. 

I suspect, one of the employee mixed it after accidently accepting it from someone. Or there could be another organized group within the bank similar to the wellsfargo fraud that got publicized today. I do n't know. All I know is, I lost {$100.00} for nothing. 

I had been member with WellsFargo for 10 years and they could not trust me on {$100.00} bill. There is no way I can trust this bank any further.

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 01-12-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The status of the payment history on my Mortgage account is incorrect. 
Hi. My issue concerns the lack of accurate and proper reporting of payments on my credit report. I have never been late with my payments. I have actually paid 90 % of them early. This is concerning my Mortgage payment history with a company named XXXX XXXX XXXX ( XXXX ). Once again, I have never been late with even a single payment to them. However, XXXX has reported me as being late 9 times and at 180 days late on each XXXX. I have receipts for each and every XXXX of them to prove it too. I am including them. There are no late payments at all what so ever from the time the mortgage was originated in XXXX until right now. Not a single XXXX. These inaccurate and derogatory payment history reports need to be removed and corrected immediately. I have tried to resolve this very simple and easily solved issue for more than a year at this point between XXXX and the Credit Reporting Agencies. XXXX stated in XXXX to the CFPB that XXXX is reporting correctly and it was the Credit Bureaus that are making the mistake and reporting it incorrectly. 
Having XXXX day undeserved late marks on my credit history is absolutely devastating my score, my ability to gain other or build other credit, my ability to create seasoned accounts/length of time, stripping me of the security of having credit cards or gaining access to loans should any kind of life emergency take place and the list goes on. It is also serving to make it even harder to gain access to a decent Mortgage Lender or Mortgage Rate and get away from XXXX too. 
I am submitting The original Mortgage Docs which clearly state that payments are due on the XXXX of the month and that the payments start on XXXX XXXX XXXX. I am also including the letter of transfer from XXXX stating that all payments made on or after XXXX and on will be made to XXXX. ALL payments have been made on time or early the entire time. I am including copies of the receipts of every last single XXXX of them.One may go through from front to back.back to front or however one would like and will see very easily that all of the payments were made on time or early. Next months Mortgage payment will also be made over 2 weeks early ( XXXX XXXX ). This issue has stopped me from moving forward and caused a lot of damage. The time is lost, it can not be fixed. It can never be gotten back. This issue needs to be resolved and reported correctly immediately. I have all of the proof in the world that I have made my payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (I do not know) with Midwest Recovery Systems (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On  XXXX   XXXX ,   XXXX  , Midwest Recovery System s, LLC repor ted to  XXXX  and   XXXX   that  XXXX  accounts ( {$1800.00} and {$350.00} ) were assigned to them for collection. I do not know what these debts are for and the  XXXX  accounts they claim are " open '' do not have an account number. They appear to be for payday loans, which I have NEVER taken out. I do not owe this debt either to the original creditor or Midwest Recovery Systems.  Midwest Recovery never c ontacted me either via telephone or mail prior to reporting these unidentified accounts to the credit bureaus. I am demanding that they remove these accounts from my credit history as they will have a negative impact on my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have never been more than 30 days late with XXXX! My account is due on the XXXX of each month! They also called and offered me a deferment on XXXX XXXX and the they indicated that it was a promotion that they were running for all customers to skip XXXX XXXX 's payment. The customer service agent did n't put the extension in until XXXX XXXX, which is a mistake on XXXX 's end and not mine! I agreed to the terms and then 45-60 days late shows up on my credit report! I am demanding that this inaccurate information be removed from all of my credit reports and that includes XXXX, Transunion and XXXX! Even the resolution representative at XXXX requested that it be removed, because I have never been 30 days late. This is inaccurate information that must be removed from my credit report. As you see in the attachments is that I should not have a negative mark on my credit report. Under federal law the account has to be 30 days past due the due date to be eligible to be reflected on a credit report! They know that this information is erroneous and inaccurate. I was a few days late on XXXX 's payment and paid on XXXX XXXX, for XXXX, but I have never ever been 30 days late!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Debt collection (Credit card) with Machol & Johannes, LLC (WA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Talked to someone not related to me about debt and left information about debt with my name on front door where everyone could see it and read it. They are also listing someone else in the document I do n't know, does n't exist and/Or has nothing to do with this debt. The documents were so cigarette smoke infiltrated they made me sick.

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