milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/24/2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This issue is in reference to a public record for a tax lien that was released in XXXX. The West Virginia XXXX XXXX office failed to release the lien at the time of settlement. This was not completed until XXXX. The state office stated that it was not possible to retroactively change the release date in their computer systems. Instead, they noted the official court document with the correct date and provided me with a copy. 

I submitted disputes with the XXXX primary credit reporting agencies. XXXX of them accepted the updated court documents and immediately changed the entries. In XXXX ( XXXX years after the lien ), the entries dropped off as they should. 

Equifax refuses to change the release date and still report it as XXXX. This means that the record will remain on my credit report until XXXX. 

Even worse, the public record appears on their report in XXXX separate entries. There is XXXX using the court booking number ( beginning with XXXX ), the other using the state lien file number ( beginning with XXXX ). Everything is the same about these XXXX entries except for those XXXX numbers. The lien dollar amount, the date filed, the state it was filed from, the XXXX release date, the contact information for the state office are identical. 

Multiple disputes have been opened over the last two years. For all of them I either emailed, faxed, or physically mailed the updated court document with contact information for the Tax Compliance department. Several Equifax CSRs verbally confirmed that they see the correction on the document. They also confirmed that the public records are duplicated. Even so, the final investigation results dispute comes back with the same conclusion. 

I have followed Equifax process and received no resolution to my problem. At this point, I will have to seek legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Debt collection (I do not know) with CONTRACT CALLERS INC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received four calls from XXXX, and they all follow a similar pattern. If I do not answer the calls then no message is left. On the occasions in which I have answered, there has been no response on the other end -- just silence. I have called the number back three times, and each time I was immediately directed into a generic voicemail box. There was no indication of what company was calling and for what purpose. Nothing in their contacts to me nor my attempts to contact them has indicated their purpose. The only reason that I know this number corresponds to a debt collection agency ( Contract Callers Inc ) is because of multiple online searches of the number. To my knowledge, I have never received any written communication from this company, and to this date I have no idea why they are calling me. The dates of the calls are as follows : XXXX/XXXX/16 ( unanswered ) ; XXXX/XXXX/16 ( unanswered ) ; XXXX/XXXX/16 ( answered, no response from the caller ) ; and XXXX/XXXX/16 ( answered, no response from the caller ). I have called the number on XX/XX/XXXX, and twice on XX/XX/XXXX with indication of who the company is, or why they are contacting me.

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
Consumer complaint received 01/21/2018 about Money transfer, virtual currency, or money service (Foreign currency exchange) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Fraud or scam

Complaint: As a result of a matter concerning my identity being stolen 8yrs ago there is still high alert status when it comes to my credit and bank account, deposited checks etc.

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 11/18/2016 about Debt collection (I do not know) with Phoenix Financial Services LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (I do not know) with Penn Credit Corporation (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently checked my credit report and discovered that this company reported that I owe them a debt and to my knowledge I have never done business with this company and nor have they provided me with goods or services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have sent documents to Equifax showing the correct spelling of my last name ( XXXX ) and ask Equifax to correct it. They do NOT have the ability to put an XXXX in my last name and therefore do not have the ability to properly report and maintain my credit record. I request that Equifax remove all records concern my file. 
XXXX does have the ability and did correct the spelling of my last name.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went through the free annual credit report online and had no problem wwith XXXX and XXXX online reports when I tried XXXX they form wanted me to sign up for a account and needed my credit card information and other personal info not required. I talked to a XXXX who argued that I had to sign up for a free membership with a {$14.00} a month trial period he refused to transfer me to a supervisor and gave me the wrong number to request it by mail. I called XXXX who also refused to send the report as required by law every year! Someone hacked into my XXXX and got into my XXXX account and ordered {$2000.00} worth of XXXX and XXXX. I just wanted to know if someone had applied by asking trans union! They totally refused and were extremely rude and hung up on me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2016 about Debt collection (Credit card) with DISCOVER BANK (AR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call my personal cell phone at least 2 times per day and now they have started calling me at work which is unacceptable! I work for a large retail store and it is unacceptable for them to be harassing me while I 'm at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am a victim of identify fraud and as such, I constantly get fraudulent attempts for new credit on my credit profile. Since I am instantly alerted on these, I immediately start a dispute as these inquiries as fraudulent. A short time later I got a response from TransUnion/XXXX with the results of their investigation concluding these were legitimate inquiries, and if I had any further questions, to contact the credit grantor. I have reached out to the credit grantors and advised them of these fraudulent attempts and they have advised me they have blocked it in their system and sent notification to the credit reporting agencies to have these inquiries removed, but several months later, they are still on there. I have now sent the letters from the credit grantors, indicating they have requested these inquiries to be removed from the various credit reporting agencies, to the credit reporting agencies again, but as of this complaint, the inquiries remain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: In the matter of XXXX vs. XXXX, XXXX XXXX INDEX # XXXX Summons and Complaint : No one personally served Summon and complain upon defendants, mail or otherwise. 

On XX/XX/XXXX @ XXXX at XXXX XXXX XXXX XXXX XXXX NY, XXXX, XXXX XXXX XXXX sworn to an affidavit of service that he personally served both XXXX, XXXX XXXX on XXXX, XXXX XXXX XXXX had to have keys to enter the building to go to the second floor. This is a private building with a secured front door. At that time in question I was at work and XXXX has a XXXX, there is no other way she could have gone down the steps to the front door to open it without my help. If XXXX XXXX had served me XXXX XXXX at that time and date at XXXX XXXX XXXX XXXX NY XXXX then the affidavit of service would of have some substantial merit. NOTICE that XXXX XXXX XXXX did n't give any characteristics of the hallway or the building description, furthermore he describe XXXX XXXX as XXXX indicating he never came into contact with XXXX XXXX. 
NOTICE : That XXXX XXXX XXXX was reprimanded for acts of the same nature : DEPARTMENT OF CONSUMER AFFAIRS against XXXX XXXX Violation # XXXX. 

2- After an intensive investigation, all assignments of this mortgage are fraudulent in nature a matter of factual discovery there were no sale. All plaintiffs, XXXX, WELLS FARGO and all of them have no standing to bring any foreclosure action and have brought fraud into the honorable court. 
Assignment of Mortgage to XXXX. 
Signed by XXXX XXXX as Assistant Secretary of XXXX as nominee for XXXX. without disclosure of employment in working as agent of Assignee. 
XXXX XXXX XXXX working for Wells Fargo NOT XXXX. 

Corrective Assignment of Mortgage to XXXX. as Trustee for XXXX XXXX. 
Signed by XXXX XXXX as Assistant Secretary of XXXX as nominee for XXXX. without disclosure of employment in working as agent of Assignee. working for Wells Fargo NOT XXXX Corrective Assignment of Mortgage to XXXX. as Trustee for XXXX, Home Equity Mortgage Asset-Backed Pass-Through Certificates, Series XXXX. 
Signed by XXXX XXXX XXXX as Assistant Secretary of XXXX as nominee for XXXX. without disclosure of employment in working as agent of Assignee, onXX/XX/XXXX i call WELL FARGO and spoke to XXXX XXXX XXXX @ XXXX that confirm that XXXX XXXX XXXX XXXX is an employee of wells fargo NOT XXXX. 

ALL INFORMATION ARE FACTS WITH SUPPORT.

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 06/13/2017 about Debt collection (Other debt) with Focused Recovery Solutions, Inc. ().
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was renting a salon space from  XXXX   XXXX  inc. I was allowed to break my lease because they had a tenant ready to take my space over. I moved out and was at a   XXXX   balance. One week after move out I went back to the space and another tenant was in there working. I was told I would be responsible for rent if no one moved in. So fast forwa rd 2 yr s later I get a letter of collection, stating I owe  one  month rent plus late fees. I never once received a bill. I requested my statement from  XXXX   XXXX  before I made any disputes. My billing statement was closed out  XXXX  owing {$250.00} fore cleaning and repainting fee. I moved out in  XXXX  no where on the bill was I charged for  XXXX   XXXX  rent or late fees. Now all of a sudden I owe almost {$1400.00}. I have spoken with the owner who did not have a answer as to why and then told me just deal with the creditors. I have dealt with the creditors which are n't of any help and the forged a document stating what I owe because I requested documentation from them more recently and it 's absolutely not the original document I received before I went into disput with them.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is not a Duplicate. 

I have tried to escalate this matter to Equifax multiple times without success on XXXX XXXX XXXX Account XXXX. I have tried to get validation by the collection agent and received no response back from the collector. 

Tracking information : USPS Certified mail - XXXX/XXXX/XXXX - XXXX USPS Certified mail - XXXX/XXXX/XXXX - XXXX I have tried bringing this to Equifax multiple times notifying them that the Collector agent did not validate this account within the 30days required by the FDCPA and Equifax repetitively delayed the process of removing this account ; responding that they performed researched and that " we verified that this item belongs to you '' Tracking information for Equifax XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX - XXXX This account showed up on my credit report on XXXX, XXXX for a balance of {$670.00}. This current Equifax report on XXXX XXXX, XXXX Confirmation XXXX and XXXX XXXX, XXXX Confirmation XXXX both states a repetitive response that Equifax verified this account to be a Rental/Leasing named " XXXX on XXXX XXXX ''. During this time period, I was living at XXXX XXXX XXXX up until XXXX XXXX, XXXX. I have a copy of my lease which I 'm attaching. 

Again, I have contacted the Collection Agent and did not receive any validation nor respond and the report on XXXX XXXX, XXXX states that this is from another rental/leasing company. On XXXX, when I return my apartment I did a final walkthrough with the property management named XXXX, and there were no damages to the apartment and the apartment was returned in good standing and no money was owed. Also my monthly rent was not {$670.00}. 

This account does not belong to me. I have not received any validation from the collection agent, and this is mistakenly on my credit report. I 'm demanding that this be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Debt collection (Other debt) with Conn's, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I made a purchase from XXXX XXXX XXXX in XX/XX/XXXX, I lost my employmentXX/XX/XXXX In XX/XX/XXXX I negotiated a settlement with Conn 's and set up for payments to be deducted from account to settle the debit. File number XXXX  the payments were Debited from my account by Conn 's on XX/XX/XXXX for XXXX,XX/XX/XXXX for XXXX, XX/XX/XXXXfor XXXX   XX/XX/XXXX for XXXX  &XX/XX/XXXX for {$110.00}. I spoke with Conn 's in XX/XX/XXXX and requested if the final payment could be split into 2 payments and I was advised that this could be done and it was set up for the final payment to be deducted in XX/XX/XXXX. I spoke with Conn 's after the final payment was completed and was advised that I would receive a paid in full statement in a few weeks. In XX/XX/XXXXI was contacted by a collection agency that my account had been sent to the by Conn 's, I advised them this account had been paid in full through a settlement with Conn 's. I sent proof to the collection agency who filed a case with Conn 's but per XXXX XXXX of XXXX XXXX Conn 's never contacted them back to settle the account. InXX/XX/XXXX I spoke with XXXX from Conn 's legal department and was provided case # XXXX and told this would be cleared out it is now XX/XX/XXXXI spoke with XXXX in the Corp Customer Service office and was advised that he had requested a close out on XX/XX/XXXX and he would add to the case to get more info to allow another 2 weeks. This is on my credit report and is affecting my credit score, this debt was paid but it looks as though it is not and Conn 's is doing nothing to correct this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/24/2015 about Debt collection (I do not know) with Wilber and Associates, P.C. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The collecting agent used extremely rude and abusive languages when they called me before XXXX XXXX and during my work. When I try to get more information about what this debt about, they are refuse to give me more details and keep asking me to give out my personal information. When I refused to give them my personal information, the representative threatened me then hang up on me immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Credit reporting () with Credit Plus Inc (CO).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Company response indicates the following : Response Credit Plus has received a complaint that you posted in the CFPB complaint database. The complaint is a joint complaint against both XXXX XXXX and Credit Plus. It 's unclear to us as to the nature of the complaint against Credit Plus, so could you please clarify the nature of the dispute, if any, with Credit Plus. 
Sincerely, Credit Plus, Inc. 

Clarification : Credit Plus failed to properly follow it 's own policies as presented to me and my wife. When opting to use the 'rapid rescore ' service we were told that providing proofs of statements showing payoffs would result in a rescore to the model as proposed by Credit Plus without an additional inquiry and the process would take less than a week. 

Instead what happened was that Credit Plus repeatedly claimed that the credit accounts paid were not being confirmed by creditors, even after our own credit reports were showing the accounts paid off and we provided subsequent month ending bank statements. Additionally our credit was pulled repeatedly resulting in our score being lowered. When escalated, the process remained opaque and the process was never explained to us, nor was an adequate escalation resolved when it became clear that Credit Plus was doing much more harm than good. Even though we were following the instructions provided to us. 
This harmed me and my wife in the following ways : 1 ) It robbed us from making an informed decision by either improperly and otherwise failing to disclose the policies/processes of Credit Plus. This may have resulted in us hiring a different lender. 
2 ) This further injured us by resulting in our rate not being locked until the day before closing and resulting in a significantly higher rate than had we locked at the time. 
3 ) Our credit reports were repeatedly dinged resulting in lower credit scores overall despite that we were informed that the process did not involve a hard pull on credit. 

Ultimately, by not providing clear, simple disclosure, we were unable to make an informed decision, and resulted in my wife and I paying a rate approximately 0.40 % higher than had we locked on the first day. Carried over the life of the loan this is a financial loss to us of {$32000.00}. Ultimately we would like this as compensation for being misled so that we can apply this to the balance of our home loan and offset our injury.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Debt collection (Credit card) with STATE FARM BANK, FSB ().
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: For several months I have been trying to get XXXX XXXX XXXX to have State Farm Bank to send me a receipt showing it applied {$11000.00} to and status of the credit card account that shows on my credit report that State Farm Bank charged off in 2009. XXXX XXXX XXXX refuses to address my request. I have a copy of the check when it was deposited in XXXX account. I request that I get this receipt with the account number off of the credit sent to me from State Farm Bank or XXXX XXXX XXXX as an attachment to an email. My email address is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Credit reporting () with Credit Karma, Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: When making a final payment on a closed account with XXXX, I found out that there was another phone line that was opened up in my name about 2 years ago, XXXX 2013. When I went to Credit Karma to obtain a credit report, and to find if there was any other illegal and unauthorized activity, I found out that there a home and auto loan that was also taken out in my name around the same time.

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 01-08-2016 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Transaction issue

Complaint: On XXXX XXXX, 2015, my wife and I traveled to XXXX XXXX NV to celebrate our XXXX wedding anniversary. I used my Sam 's Club XXXX XXXX # XXXX XXXX on the XXXX to purchase dinner ( {$60.00} ) and, at the airport for XXXX shuttle bus transfers ( {$40.00} ). On the XXXX I used the same card at breakfast in the XXXX XXXX ( {$10.00} ). Later that morning my wife and I went to a vendor to purchase show tickets. After waiting in line for XXXX minutes, I presented my Sam 's Club card for payment it the transaction was denied. My wife stepped up and presented her Sam 's Club XXXX card for payment and her card was also rejected. We were now forced to call the bank, put on hold for XXXX minutes, only to find that there was some " unusual '' active in my account??? The rep then reads me all of my charges asking if that was a valid transaction. I reply " yes '' to all of them and my account was reactivated.I my opinion this bank is not to be trusted. I do n't believe anything they say .My XXXX transaction is XXXX XXXX is rejected? I ask where is the " unusual '' activity? Buying show tickets in XXXX XXXX? The simplest software would show XXXX XXXX XXXX XXXX traveling to XXXX XXXX. She bought drinks on the flight. I buy shuttle passe and dinner in a large Hotel. It looks to me like the XXXX are in XXXX. This bank is doing something illegal and I hope your organization can do something about.

Company response to consumer: Closed with monetary relief