milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NE).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is currently attached to a loan that I did not agreed to or sign for. My signature is not on the promissory note they have on file. I filled out a Fraud packet with XXXX XXXX XXXX and they rejected it to stall the process. I have spent over 2500 hours of phone time with XXXX over the past 11 years and they still refuse to deal with the matter. XXXX XXXX XXXX is the originator of the loan. They took my information from an account I had with them and attached to a loan. They sold it to XXXX XXXX XXXX and now XXXX XXXX XXXX. I continue to have my credit affected and I need the matter resolved. This is my 12th CFPB Complaint about the matter and still nothing is done. I have contacted two state governors and two state AGs but they pass the buck to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: did not authorize inquiry

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 04-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: These inquiries should be deleted from credit report. I did not authorize. some inquiries are like same or next day. 
XXXX XXXX I XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX I XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive Friendly XXXX XXXX XXXX, XXXX XXXX XXXX Automotive Friendly XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX, XXXX XXXX XXXX Utilities & Fuel XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Automotive

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 12/21/2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX line identified as XXXX appears on my credit report, however, the alleged original creditor has FAILED to supply proof of a debt. Additionally, I asked Experian to provide me with the 'Method of Verification ' for the disputed item, as attached - yet the trade line was somehow 'verified '. Since neither the data furnisher nor Experian can provide me with ANY proof that I signed a contract for debt, Experian needs to permanently delete this item as FCRA does NOT allow for unverified items to remain on consumer credit reports.

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 02/22/2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am getting calls from number that says it is XXXX XXXX in XXXX. ( XXXX ) XXXX multiple times a week. If answered get rude people saying they are from Portfolio Recovery. Very deceptive and demanding of information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with R & B Corporation of Virginia (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: this company has XXXX accts with different acct numbers and amounts I do n't know nothing about this acct, plz remove, this was open 2006 my credit is not good because of them

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: THe dates and amounts are completely wrong some do n't belong to me at all.

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 09-11-2017 about Debt collection (Medical debt) with Automated Collection Services, Inc. (MO).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I was XXXX years old and still under my mother 's care. Now knowing she never had health insurance for me and was not giving me any of my bills, I as a XXXX adult, knew nothing of most of these debts. I never received correspondence or the right to dispute. I had serious, chronic health issues as a young adult and am now- 5 years later recieving relentless calls from blocked and out of states numbers. 2 times they never disclosed they were debt collectors and refused to stop calling me while I was at work. I contacted one back and began a payment plan with them. At first they refused to take less than XXXX dollars a month- I am a full time college student and living on my own. I told them the very most I could do was XXXX and have been paying it for a year with no correspondence of my current balance. No one ever mentioned I could dispute it or could send me an itemized bill- some of the bills are over XXXX XXXX XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ARS National Services, Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX we received a letter from ARS national stating that we owe some money that was n't paid. This is the first documentation we received concerning this issue. When we looked in to it we have never had an account with the credit card company mentioned. We did then pull a credit report and it is showing up on our report. We need to get this removed and our credit repaired. This is not us.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: They re-inserted XXXX inquiries that had been previously deleted and old debt

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 03/19/2018 about Mortgage (FHA mortgage) with U.S. BANCORP (FL).
Issue: Trouble during payment process

Complaint: The mortfage company trying to force me to pay additional monies monthly on my mortgage after I paid my escrow shortage before the deadline. 

I purchased a money order on XX/XX/XXXX and mailed it in. 

The mortgage representatives told me the escrow shortage was due until XX/XX/2018 and they told me that's when they received it. 

However, I got a call on XX/XX/XXXX in the AM telling they had not receiced my mortgage payment. 

My credit union shows my mortgage payment cleared on XX/XX/XXXX 

Then the representative tells me I was short in my payment I asked how so? The representive said since my payment for my escrow got there on the XX/XX/XXXX I owe an additional {$11.00} a month on my mortgage. 

I asked how is that possible when I paid my escrow shortage beforeXX/XX/XXXX as per their statement expressed and per a representative I spoke to prior concerning the escrow due date because I had to wait for a replacement of the escrow bill. 
She kept saying it had to be in their office by XX/XX/XXXX. I repeated her telling me that got it on XX/XX/XXXX. So how could my payment be late? 

Then she said my mortgage payment was late and why I couldn't pay it on the XXXX  of the month? I told her according to my mortgage agreement as long as it get in by the XXXX it is on time and not late I tried to have them change my due dat to the last XXXX that way it would be closer to my date I get paid. They told me it was against FHA regulations to change my loan due date! 

Every bill I have changed my due date to accommodate close to when I get my income.

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 10/28/2015 about Consumer Loan (Pawn loan) with JPMORGAN CHASE & CO. (IL).
Issue: Payment to acct not credited

Complaint: XXXX I DEPOSITED A XXXX PARTY CHECK ( {$1900.00} ) ENDORSED TO ME BY MY CLIENT, AS A PAYDOWNTOWARD MY LINE OF CREDIT ( L.O.C. ). I DEPOSITED THIS IN PERSON AT THE ABOVE BRANCH. TELLER DIDNOT TELL ME THAT BANK DOES NOT ACCEPT 3rd PARTY CHECKS AS L.O.C. PAYMENTS. BANK REVERSEDTHIS WITHOUT A NOTIFICATION. I INQUIRED WITH THE BANK ABOUT THE REVERSAL. THEY SAID THATTHEY MAILED THIS CHECK TO ME. AFTER A WEEK OF NOT RECIEVING THE CHECK, I CALLED THEM. THEYSAID THEY DO N'T KNOW WHAT HAPPENED. THEY WILL STOP THAT CHECK AND ISSUE ONE TO ME. IASKED THEM TO JUST ELECTRONICALLY FUND MY CHECKING ACCOUNT ( TO REPLACE THAT CHECK ) SINCE THERE IS AN ISSUE WITH MAILING. WHAT THEY DID WAS ELECTRONICALLY WITHDREW MONEYOUT OF MY CHECING ACCT. TO PAY MY L.O.C. I TOLD THEM THAT I CAN NOT LEAVE MY BUSINESS TOCHASE A CLIENT FOR ANOTHER PAYMENT. IT WAS CHASE 'S MISTAKE AND THEY SHOULD REMEDY THEIRMISTAKE. THEY REFUSED. I HAVE TRIED TO RESOLVE THIS WITH CHASE 'S L.O.C. DEPT., BRANCHMANAGERS XXXX XXXX XXXX AND XXXX XXXX XXXX, AND THE ESCALATON TEAM ( XXXX XXXX XXXX. 
XXXX XXXX XXXX. I WAS GIVEN CASE # XXXX. I CALL THEM EVERYDAY TILL TODAY AND GETONLY 'THERE IS NOTHING WE CAN DO. WE DO N'T KNOW WHAT HAPPENED. WE DO N'T ACCEPT 3rdPARTY CHECKS. ' ALL REFUSE TO PUT ANTYTHING IN WRITING. SO I HAVE TO EXPLAIN MY ISSUEEVERYDAY TO THEM. 
XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (Medical debt) with Retrieval-Masters Creditors Bureau, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: American medical collection agency licensed expired and they are not able to collect a debt from me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (I do not know) with Alliant Capital Management LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Alliant Capital Management calls and threatens legal action on a debt they say that I owe. I have never received anything in writing from them to clarify what the account is and what the balance is that I owe. I asked for a statement months ago and still have not gotten one.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Prepaid card (General purpose card) with NETSPEND CORPORATION (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: Unauthorized charges on my account disputing but netspend is keeping me in thebdark with no info poor communication and customer service

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 12-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PNC Bank N.A. (PA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: This was {$50.00} PNC Bank card given to us as gift and when we finally plan to use during holiday season we found the balance left on the card was {$2.00}. Bank took away rest of the money in their account upon calling multiple times customer service just response that its service charge monthly, this is absurd when the card is valid till XXXX how can they charge fees and for what? As I received a gift card how would we know of such charges? Are we still staying 19 centuries where bank can about anything. Do not bank with PNC Bank!

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/28/2015 about Debt collection (Credit card) with Atlantic Credit & Finance, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX and XXXX attorney office had contacted my siblings and my mom regarding my credit card collection prior to contacted me. They have disclosed my confidential financial information to my siblings and my mom. They used scare tactics to my siblings and my mom that they will use legal action against me if I do n't pay back the small amount of credit card debt. I called the XXXX and XXXX office to work on the payment reduction and payment plan. But the guy named XXXX only gave me very short time frame XXXX months and each payment is over {$1300.00}! That is a such high monthly payment in addition to my other family expenses! Despite the current bad economy, they do n't give you a chance to catch up and they said it will be a legal action if missing the payment. There is no room for negotiation nor longer time frame such as XXXX months or XXXX months like XXXX XXXX gave me. These are XXXX are taking advantage of us during the bad economy. If I could come up with extra {$1300.00} after all my family expenses, I would not be in this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/27/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: Earlier this month Wells Fargo Bank froze and closed my checking and savings account due to suspected fraud because my boss had me deposit some checks for him. Rather than the bank notify me or simply reject the deposit they have closed my accounts without releasing the funds and reported me to XXXX for suspected fraud. Since this occurred My other bank closed out my checking account and the new bank I tried denied me. I want this removed from the system somehow as it was not fraud and I am not in a financial position to hire a lawyer to sue them for all of the harm this is causing as I can not access my money that was in the accounts and have not been able to receive my payroll as there is no bank to route it to. Please help me I do not know what to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit card () with Alliance Data Card Services (MI).
Issue: Credit card protection / Debt protection

Complaint: Comenity manage 's XXXX XXXX 's consumer credit card. I paid a bill on XX/XX/XXXX ( XX/XX/XXXX statement ) and on XX/XX/XXXX ( XX/XX/XXXX Statement ). Then was hit with a late fee for not paying my XXXX statement minimum payment. When I called I was told I paid between billing cycles, which was true. However, when I checked my account on XX/XX/XXXX and XX/XX/XXXX my account portal stated that I had a {$0.00} minimum payment. When I logged in on XX/XX/XXXX I scheduled a payment of {$30.00} to be withdrawn from my account on XX/XX/XXXX for my XX/XX/XXXX statement. When my XX/XX/XXXX statement was available on XX/XX/XXXX is when the late fee was assessed. I contacted Comenity and was told I was late on my payments. When I finally was able to get the associate to see the full time line of payments and I explained to her that when I logged into my account to confirm if I owed a balance she told me that the online account system was irrelevant. Which is extremely troubling given I use that portal to manage my account the few times I do choose to use this card. If this portal is " irrelevant '' as I as told how am I then able to properly manage my account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have repeatedly requested verification of the amount this debt. They have repeatedly told me that they would get it right in the mail. At one point, we negotiated a settlement on the account, and I asked once again for verification of the debt, prior to sending a check. They never sent me the information. Evidently they are n't able to verify this information. In the beginning, I tried to get them to send a monthly statement of account and they refused. I called and tried to work with them to no avail and I do n't want to end up paying for debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/28/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. ().
Issue: Managing, opening, or closing your mobile wallet account

Complaint: XXXX/XXXX/XXXX - I filed a ticket to Coinbase because it has restricted my account. I am based in XXXX and my account got restricted when I tried to login online from a restricted country. Case reference is # XXXX. I attached my government ID and utility bill as proof that I am a resident of XXXX. 
XXXX XXXX - Coinbase support responded that my case has been escalated to a Specialist and they are working on it. 
XXXX/XXXX/XXXX - no updates since. I filed new tickets but no resolution as promised by Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (IN).
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: Once again, there is activity that is INCORRECT being reported by Nationstar Mortgage, LLC regarding my mortgage loan. 

Once again, after filing a complaint. I am met by retaliation by someone within the company, Nationstar Mortgage, LLC. This is not the first time this has happened. It has happened on several occasions. I am now attaching screenshots of what is being reported by someone at Nationstar Mortgage, LLC. 
I have personally met with my personal bank and have attached all checks that were cashed per month by Nationstar Mortgage, LLC. I have also attached the payment history showing all payments that were paid to Nationstar Mortgage, LLC since the start of my VA mortgage loan. Those documents have been mailed off to each credit bureau. 

Now ... someone at Nationstar Mortgage, LLC is once again, turning in incorrect information regarding payments that are not being reported. I believe as a clear means as retaliation regarding complaints sent to several bureaus. Someone at Nationstar Mortgage, LLC is still removing payments that were prior on my credit report such as XX/XX/XXXX payment. 

If you are going to report my VA mortgage loan. You have an obligation to report it correctly. Nationstar Mortgage, LLC has literally changed my credit report information on more than five occasions since XX/XX/XXXX. 

The current reporting is INCORRECT. I have made payments that are not being shown. The payments need to be reported correctly that reflect the payment history sent by your company, Nationstar Mortgage, LLC. 

I have once again filed not just this complaint. But with all credit bureaus. Clearly this is abuse of power, flatulent and down right ridiculous to still continue with inaccurate reporting, not reporting or incorrectly reporting with regards to my VA mortgage loan payments. 

As told by an attorney. Nationstar Mortgage if they are to report your mortgage payments to the respected credit bureaus, in which, they clearly have to all three credit bureaus. Nationstar Mortgage, LLC has a responsibility to report it correctly. Someone at Nationstar Mortgage, LLC has reported as you can clearly see on screenshots. " Under a partial payment program. '' I am NOT under a partial payment program. I have paid more than on some payments, MORE, than my initial loan contract. 

Once again, I am demanding that my payment history reflect what is on the current Nationstar Mortgage LLC payment history that was mailed to my home. 
I am once again, demanding that my FICO score by reinstated to reflect the correct changes. 

As per my phone call with XXXX this morning. It is someone at Nationstar Mortgage, LLC submitting the incorrect information. Nationstar Mortgage LLC needs to fix this ongoing issue ASAP. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIRST AMERICAN FINANCIAL CORPORATION (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation