milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2017 about Debt collection (Other debt) with Access Receivables Management (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: We acquired XXXX XXXX internet as a provider. They promised us adequate speed for our needs, so we entered a contract with them, only to find out we could not even watch a movie, use our phones or work from home etc ... We paid for services for XXXX mos while they tried to correct the problem, in the meantime accrued charges for extra data to our phone, could not watch movies or work from home while they tried to fix. they sent us to collection agency for equipment charges and early termination fees which we are not liable for. they failed to reach their part of the contract. meanwhile they are blaming us for breaching the contract. we contacted them several times speaking to XXXX XXXX on XXXX/XXXX/XXXX which is the highest supervisor we could reach and she refused to remove the amount.

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 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (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 am the co-signer on a student loan account taken out over 10 years ago. The loan is now in repayment, and the main borrower filed for bankruptcy earlier this year. I live in XXXX, FL and the main borrower resides in XXXX, OH. 

Under the normal terms of the loan, when the loan fell past due, I was immediately notified by mail or phone and would ensure the payment would be made to avoid delinquency being reported. Once the main borrower filed for bankruptcy, the lender seized all communications with main borrower and also myself. I had to find out via credit reporting that this student loan account was past due. When I attempted to log in to online, Discover also removed access online. When I spoke to Discover 's bankruptcy department ( on several occasions ) the scripted representatives simply recited the same thing, that legally they were not able to contact me. Nonetheless, they deem it appropriate to ruin my credit, which I have worked tirelessly to keep intact, based on their guidelines. 

Now I have a problem with this. The main borrower filed for bankruptcy. I did not. So I should still be able to be contacted to give me an opportunity to act ( make a payment ) and fulfill my duty as a co-borrower prior to adverse action being taken. If it were up to me, the account would never default, but I have to know what 's going on with the account. Given Discover 's decision to restrict access, my credit is adversely being affected costing me thousands of dollars, as I 'm in the process of closing on a home loan. 

The loan was reported past due during the months of XX/XX/XXXX XXXX and XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2015 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Today I was Contacted by XXXX from credit control at XXXX on XXXX/XXXX/15 for the purpose of a debt collection. She Previously called on XXXX/XXXX/15 XXXX and was unable to provide information substantiating a debt she was attempting to collect from XXXX XXXX When we first spoke I informed her that There exsist the possibility that I may be a victim of identity theft. To day when she called I informed I would not provide her with any verification information and to no longer contact me in regards to the matter or I would be forced to contact your agency and execute my rights under the law. I was very adamant and calm when I informed her of my wishes. XXXX informed me that the calls would continue despite my strict instructions that I do not want her to call my residence any more. To paraphrase her words, " it might not be me who calls but someone will call you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Private student loan debt) with Scott Lowery Law Office, P.C. (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been sending this company XXXX each month via mail for over a year now. They will not return phone calls or give me a balance owed. They hang up on me and curse me out when I call to get the information on my account called XXXX XXXX XXXX and XXXX

Company response to consumer: Untimely response
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
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 been disputing the same items with the Bureau since XX/XX/XXXX, 2017 ; erroneous negative accounts and several unknown and unauthorized inquiries. The Bureau has failed to remove the accounts from my report. I asked for a thorough investigation but that has not happened. They are simply replying verified without explanation as to how they verified the information, or without providing me with the requested documentation ; original contract and my signature.

Also, the Bureau is no longer replying, timely. I am not getting acknowledgement that they are investigating. I am not getting requested documentation as proof of verification. They are violating my consumer rights and this process has become costly and stressful. 
Also, while I have been disputing the items on my report, they continue to insert unverified and unknown items. They will not remove the items or provide proof that I authorized the inquiries or that the accounts belong to me. They are not following credit laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax had a security breach stealing all of my information

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Capital One refuses to close out my account even though I been contacted two times by a collection agency. This has been an on going issue since XXXX/2017, they are always claiming the account will be closed out however I receive a bill for the month.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have contacted Ally Financial two times in the last 30 days and been advised by two associates and a supervisor that they can not verify, discuss or accept payment for a credit item they claim that I owe.Today I called again and spoke to XXXX who would not give his last name.He seemed to have full access to my account with my personal information, the vehicle related to the account and advised he could see where I had previously called last month.He refused to verify the amount they claim that I owe and repeatedly stated that he could not discuss my account. 
A previous call with a supervisor around XX/XX/XXXX I was told that these were new accounts that were not set-up in the system and that she also had no way to review the information or verify totals claimed were correct.This makes no sense as this account is over six years old and due to be removed by law in just a few months.There is nothing new about this account.She stated that even if I were agreeable to making a full payment she could not process.She further advised i should call back in two weeks which I did today XX/XX/XXXX. 
They are intentionally providing false information regarding access to the account. This is demonstrated by the fact that during my initial call and discussion with an account representative she advised that she could accept {$3000.00} to settle the account and advised that if I were to accept payment would have to be made within 10 days. This contradicts everything the supervisor and second representative said regarding their access to the account and ability to resolve the account. 

These details can easily be verified via a transcript of the calls which per the creditor are recorded. 

This creditor is unable to verify, discuss or settle payment on an account they are actively negatively reporting to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America and their employees, representatives, servicers, and third party agents ( collectively referred to as BofA ) have engaged in a racketeering business enterprise for profit envoling Requests for Mortgage Assistance ( RMA ), loss mitigation processes including, but not limited to modifications, dual tracking, and foreclosure processes. 
In this instance, BofA knew or should have known of applicable regulations, guidelines, timelines, agreements, orders, and statutes that dictate and govern interaction with consumers and how BofA is to proceed during and throughout processes intended to keep homeowners with their properties and in their homes. 
One example of this racketeering business enterprise for profit is when a policy and practice is established and intended to circumvent the rules and law. Specifically, XXXX and XXXX ( XXXX ), owners of XXXX ( XXXX ), have been executing foreclosures on behalf BofA designed to defraud homeowners by forcibly removing them from their homes in an unlawful manner as evidenced by their published document entitled California Foreclosure Timeline. This document reflects the steps XXXX, as beneficiary trustee, follow upon contrating with Bank of America to begin the foreclosure process. The XXXX timeline does not conform with California law, specifically the California Homeowners Bill of Rights ( CalHBOR ). There are legal requirements intentionally excluded from this timeline including, but not limited to, pre Notice of Default ( NOD ) outreach. 
XXXX was not made the beneficiary trustee until XX/XX/2016. While BofA may have intended to create or establish a business relationship with XXXX prior to the recording of the Substitution of Trustee in this instance, XXXX had no authority to act in any capacity prior to XX/XX/2016, but for acting as an agent of Bank of America in an already existing business relationship related to RMAs, loss mitigation processes and programs, dual tracking, and foreclosure processes and thereby establishing and evidencing a racketeering business enterprise and violations of the RICCO Act. 
I have not been treated fair and with good faith during and throughout the loss mitigation process or the foreclosure process however improper it may be as it relates to me and my home and property. 
A resolution would be all other previously mentioned resolutions and a detailed response addressing this and other complaints and escalated cases to date related to the modification, loss mitigation, and foreclosure processes.

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 11-02-2015 about Credit reporting () with Federal Adjustment Bureau, Inc. (OH).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I disputed this as soon as I was notified and sent in documents and it is still in dipuste 3 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Re : XXXX XXXX XXXX XXXX MI application for auto loan requests for credit history. 

Permission was given for only one credit inquire on XXXX XXXX XXXX and four were pulled on same date. One of the credit pulls was a duplicate. Permission given for XXXX XXXX XXXX XXXX, XXXX, MI ( a  duplicate pull ) and not XXXX XXXX, XXXX, MI, or XXXX XXXX XXXX, XXXX, MI. 

The above causes adverse credit which I have been trying to build these past few years. I want the three adverse inquiries cancelled.

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 07/14/2016 about Consumer Loan (Installment loan) with National Financial LLC (DE).
Issue: Managing the loan or lease

Complaint: I have been borrowing from Loan Til Payday and I can not seem to ever pay anything more than interest when they are taking {$280.00} out of my check every other week for the past 3 or 4 pays on a {$1000.00} dollar loan and I can not keep doing this. The interest is way to high and just with that along I ca n't put anything towards the principle. I spoke with someone about it and they told me I am getting ripped off and to contact you because XXXX dollars every other week just for interest is insane.I am a single mom of XXXX and needed the money to move into a better house after being almost homeless. Now I ca n't seem to get back on my feet with this high interest alone. I am getting set back further and further by the XXXX being taking out of my account just for interest.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I mailed a  Multiple Inquiry Removal Letter  by mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. As soon as they received the letter The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According  to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be i nvestigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my c letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX has been reporting XXXX balance accounts paid off by a loan consolidation as collection accounts impacting my credit score negatively.

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 02-02-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: EQUIFAX has technical issues regarding a credit freeze, that I want removed.On last Friday,XX/XX/2016, I attempted to use the Equifax website for removing a security freeze.The website does not function, except in authorizing my credit card for XXXX dollars.I CALLED IN TO EQUIFAX SECURITY FREEZE DEPT.they authorized my card again and said the freeze lift would be complete within 15 minutes.I applied for credit with XXXX creditors, they have XXXX spoken to me about the freeze they need lifted to complete their respective credit transactions.I HAVE SPOKEN TO EQUIFAX SECURITY FREEZE DEPT. again 3 more times.THEY HAVE authorized my credit card 2 more times ( proof enclosed ) and still can not release the freeze.THIS INCOMPETENCE AND TECHNICAL PROBLEM IS IMPACTING ME AND MY BUSINESS NEGATIVELY, AS EQUIFAX HAS STOPPED MY CREDIT TRANSACTIONS.A large credit union suggested I make this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Debt collection (I do not know) with Medical Society Business Services, Inc. (AZ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This company ( Bureau of Medical Economics ) repeatedly contacts me on my work phone - despite my requesting multiple times that they stop calling me at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (WI).
Issue: Billing disputes

Complaint: Fraudulent use of credit card. Charges to my card from XXXX. I called and brought the fraudulent charges to the attention of my bank. They credited me with XXXX of the XXXX charges. When I called to correct the situation and get questions answered, the supervisor refused to speak with me. My checking account was debited for more than {$3000.00} in fraudulent charges after I was assured that the charges would be removed. The bank is USAA, credit card is Master Card.

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 09-02-2015 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My identical twin is listed on my credit report as an alias or other name. We have the same first XXXX letters of our names and the same last name as well as the same birthday. I understand the confusion howecer I am XXXX and she is XXXX. Her stuff is showing up on my report as im sure mine is on hers. This needs to stop. We are XXXX seperate people who need XXXX seperate reports. I do not know how to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Debt collection (I do not know) with Collection Information Bureau, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Doctors XXXX to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX/XXXX/XXXX and XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: On XXXX/XXXX/15 I was checking my Transunion credit scores and saw that they had decreased my scores by XXXX points. Please have them tell me why they did this. There has been no activity with my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: hi, little over a year a go my ss # was used without my knowledge work with the irs and several creditors to get this matter cleared up.

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