milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I disputed multiple inquiries on my credit report on XX/XX/XXXX I disputed these inquiries : XXXX : XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX XXXX : :XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX : :XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX XXXX Show Details XX/XX/XXXX Equifax Mortgage Services : :XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX Equifax Mortgage Services : :XXXX XXXX Show DetailsXX/XX/XXXX, XX/XX/XXXXEquifax Mortgage Services : :XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX , XX/XX/XXXXXXXX XXXX Show DetailsXX/XX/XXXX,XX/XX/XXXX XXXX XXXX : :XXXX XXXX XXXX  Show Details XX/XX/XXXX XXXX XXXX Show Details XX/XX/XXXXXXXX XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX ,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX. Upon disputing these I stated that I did not give provision for the companies to run my credit. According to Equifax these companies certify that they did so the is the proof that they need to keep them on my report. I in retired asked for documentation where I gave approval. The dispute has been closed and I never received any documentation of me requesting these reports. The report was closed the same day it was opened.
I also disputed them on XXXX, and XXXX and was given the same result. I also have a fraud alert on my report so they are supposed to call and verify in time someone pulls my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (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 contacted Bank of America via certified mai l 4  consecutive times asking them to validate this negative information reported on my credit reports. On   X/XX/XXXX   #  XXXX  on     XXXX     #  XXXX  & #  XXXX  And on   X/XX/XXXX   #  XXXX  after disputing this account with the credit bureaus Bank of America refuse to validate this debt pursuant to the Fair Debt Collection Practices Act. And as you see i brought it to their attention after receiving the results of the  Investigation  per my   XXXX   credit report they said they validated this debt but neglected to mark it as disputed within 30 days of the dispute. Bank of America has yet provided me with any contract bearing my signature showing that I have or ever had some contractual obligation to pay them. But still mark my credit reports with negative marks.

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 03/30/2017 about Bank account or service (Checking account) with CHARLES SCHWAB CORPORATION, THE (CO).
Issue: Account opening, closing, or management

Complaint: I applied to get a Checking account with Charles Schwab and to do that I had to open a brokerage account too, which I funded with {$50.00}. What they did n't tell me is that they were gon na do a hard inquiry on my credit and then they declined my account because I 'm young and do n't have much credit history. I could get over that, but they sent me a letter saying that my investment account had been closed as well, and I had already put {$50.00} into that account. Now when I try to transfer my money out it says that account is restricted. I thought it might be a certain waiting period but it 's been more than a few weeks now and I still ca n't get my money. {$50.00} might not seem like much to Charles Schwab, but I 'm a poor college student.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (IL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: IN VIOLATION OF TCPA ( SEE ATTACHED LIST ) CALLED ALL NUMBERS WORK, CELL, HOME AND OTHERS INVIOLATION OF TCPA

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (I do not know) with Lustig, Glaser & Wilson, P.C. (RI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a copy of my credit report and it showed a Public record on it when I followed up on it I found out that this is not my debt and it now its on my credit reports. When i contacted the  XXXX   XXXX   XXXX  of  XXXX   XXXX   XXXX   XXXX   XXXX , all he said was that he does not report to credit bureaus so there was nothing he could do. He filed this suit with the wrong social security number and now i have to pay the consequences on something that is not mine. He should contact the court that he filed this in an either withdraw or amend this. I want this off my credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: The collector served court notification papers to a family member who is not me and was unaware of what was even happening. I contacted an attorney to represent me and the attorney communicated with the collector 's attorneys ( I have email records ) and reached an agreement to not pursue the case. I recently found out that the collector still proceeded with the case in court and received a judgement without either my attorney or myself present.

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 08/27/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am not liable for the XXXX XXXX Account # XXXX. It is my husband 's account. I filed Bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX. I currently should not have any Charge Offs on my credit file at all. The date the first major delinquency occurred was in XX/XX/XXXX for my husband 's account. Instead, XXXX XXXX chose to place the date of filing to re-age the debt this is illegal. They are also furnishing erroneous information disputed to the Credit Bureaus intentionally a violation of my rights under the FCRA. They are showing a Charge Off with a balance due on an account that was my husband 's included in his bankruptcy filing trying to make me responsible for his debt. The attached dispute is the XXXX one is over XXXX days. XXXX XXXX verified the information on the report as valid when it is not. Multiple legal violations of FCRA and of my Chapter XXXX injunction, intentional misrepresentation of a debt to attempt to collect. They added the account after my husband filed for bankruptcy in an attempt to collect the debt - reaged the account and in violation of the bankruptcy injunction for myself are showin 10000+ owed and a Charge Off. This is illegal as is re-aging the account which they also have done. Disputed for the XXXX time after XXXX days with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Debt collection (Medical) with FMA Alliance, Ltd. (AL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I 'M SICK AND TRIED OF XXXX SHARE MY INFORMATION WITH FMA ALLIANCE ABOUT MY DEBTXXXX DID NOT WANT TO DO WHAT I ASK THEM TO DO FOR ME.AND THEY MISSED UP MY XXXX. FMA ALLIANCE IN XXXX TX NEED TO LEAVE ME AND MY FAMILY ALONE.I DO N'T HAVE XXXX. JUST HAVE XXXX AND XXXX.I WANT TO QUIT CALLING US PLEASE AND THANK YOUR HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Source Receivables Management LLC (MI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have spoken to the original creditor of this account who has stated there is no balance owed on any account with them as payment has been made in full. They have stated that they would reach out to the collection agency that was assisting on the account for them and have them delete the account from all reporting agencies as there is no balance with them and the balance was paid directly to the creditor. 
The amount disputed is XXXX Paid in full directly to XXXXXXXX XXXX  in guaranteed funds there is no contract or agreement of any balance owed between myself and source receivables.

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 non-monetary relief
Consumer complaint received 01-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX charged me unfairly for using phone call oversea And I know XXXX XXXX XXXX was ordered by FTC to pay over XXXX for overcharging their customers. 
please read my attachments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06-12-2017 about Debt collection (Medical debt) with Capital Accounts, LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Capital Account Collections has re-aged this account. The Date of Last Activity on this account was on, or before,  XXXX   XXXX ,  XXXX . Texas has a 4 year statute of limitations. Capital Accounts is reporting the  DLA  on my credit report as  XXXX   XXXX ,  XXXX . I finally checked my credit report and realized that this was going on. On  XXXX   XXXX ,  XXXX  I wrote Capital Accounts and requested that they remove this fraudulent info from my account. They responded with a single piece of paper containing my name, an account number, Creditor, and a balance - NO DATE. The paper from Capital Accounts did n't even contain a date that the paper was generated! I responded on  XXXX   XXXX ,  XXXX  that this was a second notice of fraudulent activity under Tex. Civ. Prac. and Rem. Code  Section 16.004   ( a ) ( 3 ). Capital  Accounts has not responded and they are still reporting this debt to the credit bureaus. This is a violation of FCRA  Section 60  5 (  c ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Bank account or service (Savings account) with SCOTTRADE BANK (PR).
Issue: Account opening, closing, or management

Complaint: XX/XX/2015. Website is down this morning. Tried to call customer service about this, but no one answers due to inordinately high call volume. Missed out in trading opportunities. Ca n't imagine what a predicament I would be in if I wanted to exit/enter a position. I have found Scottrade 's service to be erratic over the past couple years.

Company response to consumer: Closed
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Hi, I have been monitoring my credit scores with XXXX and Equifax. I have some derogatory credit history ( including a settled judgement ) caused by periods of unemployment. Consequently, I am not able to get much of a credit line. However, I am maintaining a credit card account with XXXX XXXX. I have a {$500.00} line of credit with this card and use it frequently for small purchases. I often use nearly all of the available credit. Then, I make a payment of typically $ XXXX dollars well in advance of the due date. My credit sources inform me that both XXXX and Equifax have lowered my credit score because I used nearly all of the available balance. My question is this : If my score can be lowered for using nearly all of my balance, why do I not earn points for paying ten times the minimum and paying it two to three weeks in advance of the due date? This is clearly an unfair business practice and, I believe, grounds for a federal lawsuit for defamation. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello, my name is XXXX XXXX. 
On my Credit Report is showing that I owe XXXX XXXX XXXX {$520.00}, I spoke to them several times ( more than XXXX I believe ) and all they do transfer me from one department to another ... .they have no idea what am I talking about. I went to XXXX XXXX XXXX office twice, they told me they will resolve the problem. Up until today it 's still showing on my TransUnion Report, but back in XXXX 2014, I agreed on paying them {$270.00} and they XXXX told me going to close the Collection. I wish I never settled with them because the charge was wrongful to begin with. I work in Finance, and my partners told me it 's my mistake to settle with them. 
XXXX even sends me appreciation letter for being such a loyal customer. I ALWAYS PAID MY ACCOUNT IN FULL AND ALWAYS RETURNED EQUIPMENT WHEN I WAS MOVING. Today I googled XXXX phone number XXXX XXXX XXXX XXXX which is showing on my credit report, I assumed its a collecting agency ( but still Original Creditor says is XXXX XXXX XXXX ). To XXXX agent I 've provided my ss # and my name and they found no information, nothing! Earlier today I also contacted FCC.gov who were not able to help me either. I am so extremely upset because its significantly affecting my credit score and this collection does n't even belong to me. I am looking forward for your response, and do n't think I need to start legal action against this matter. 

Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: outdated information on my credit report.Child support case is over 8 years old should only have been on report for 7 years. Equifax argues that it is not a negative so it can stay for 10 years.I argue that it is a negative, it is lowering my score and in fact it shows as negative strike in my credit report.So i feel that it is def. a negative report even though it has a XXXX balance and should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (SC).
Issue: Application, originator, mortgage broker

Complaint: we applied at the request from our current mortgage finance company, jp morganchasebank ( this was a snail mail request on or about XXXX/XXXX/XXXX ) ... we were instructed to contact XXXX, mortgage broker for jpchase XXXX/XXXX/XXXX : the requests for financial information reached XXXX pages over a period of time from about XXXX/XXXX/XXXX to XXXX/XXXX/XXXX .. we have a perfect credit rating,,, we have had a chase mortgage for about XXXX years that had no problem with our payments which were always on time ... when we finally asked, after 4 months of reasks what our financial goal was we were denied any further access re additional information ... we were stonewallded by that banker XXXX ... without any response to what we were required to prove on XXXX/XXXX/XXXX we were summarily dismissed from the application process with NO reason except we had no sufficient income ... we asked what that income had to be to assure the new loan ... we queried what that had to be and were totally denied ... we then went to managers and threatened various counter actions ... ok so now what????

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/28/2015 about Credit card () with CITIBANK, N.A. (WI).
Issue: Other

Complaint: I have been a long standing customer of Citibank and about two years ago my husband and I signed up for the CashBack credit card. About 6 months ago my husband very quickly passed away due to XXXX. When I went to claim my cash back rewards, I was told that only the cardholder can receive the rewards. As the secondary holder, I was not entitled to claim them. 
I have been an earned in this unit, I take care of bill paying and I am the primary consumer with this card. I was insulted that I was not considered a partner because I have always been one in my relationship. I find this a discriminatory practice, particularly to older women. We have enough issues with the death of a spouse to then be slapped in the face by this discriminatory policy of Citibank. In addition, I was rudely treated by the XXXX collection agency before the last bill on this account was received!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/20/2017 about Debt collection (Medical debt) with CCS Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A agency by the name of credit collection service is trying to collect a debt that I do not owe..once I looked into the agency I found out they are not allowed to do business in the state of Florida..the debt occurred in Florida and I reside in Florida..they are blatantly disregarding the fact that legally they are not to practice in the state of Florida.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Mortgage (Other mortgage) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I went bankrupt in 2010. At that time XXXX with the holder of my second. I was informed XXXX went bankrupt and my second was charged off. This is documented on my credit report. Due to a divorce, I was required to refinance my house in my name. When I went to do so, I was told that Di Tech had a lien on my house and that they had " purchased '' my second. They refused to settle for lesser amount unless I completed their hardship paperwork. I completed and they refused to settle, stating there was equity in the home and that I would have to subordinate their lien. I had the mortgage company request subordination. They refused to sign, stating that I was over the 9 months in my divorce court order to refinance. Throughout the process, Di Tech has dragged their feet, stated they have not received paperwork, and refused to cooperate on this very questionable lien. Some of the ways they did this was giving me the wrong contact person and email, stating they did not receive paperwork ( I resent at least five times ), taking long periods of time for turn around in regards to response to requests. I started this process over six months ago with them. I was trying to get a XXXX refinance, which I understand they are required by law to accept.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Portfolio agreed to remove the debt and I sent the check they cashed which stated in the memo that the debt was settled and would be removed. Before then I also contacted them stating that the date of delinquency from the credit card company was to be used according to the FCRA. They continue to use the date they received the account and continue to state that I owe the debt even thought they cashed the check. They did not try and contact me about the debt for six months until I disputed it on my credit file. I received a letter from Portfolio stating the debt was too old to file a claim in civil court amd thus they would not be perusing. I also had to explain and notified them in writing that all communication would be written that no more calls would be accepted and would be considered harassment. In settling the debt they refused to send out the settlement agreement until I paid the portion we agreed. In a similiar situation this had happened and they tried collecting after we settled and refused to remove the debt. This time I put it on the check and refused to have them do an electronic check since last time they did not remove the debt and stated I had no proof of such.I also expressed that they had the wrong dates for the account and were not following the FCRA on the date of first delinquency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/24/2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My name is XXXX XXXX XXXX, my email address is XXXXXXXXXXXX. On XX/XX/XXXX, I deposited a United States FEMA check with Regions Bank for the amount of {$95000.00}. I received {$300.00} in cash, a hold was placed on {$4800.00} until XX/XX/XXXX and for the balance of {$90000.00} a hold was placed until XX/XX/XXXX. I am objecting to the last hold on the {$90000.00} until XX/XX/XXXX. This is the age of computers. The bank will have these funds available on XX/XX/XXXX. Thus Regions is earning free interest, while depriving me of my legal money until XX/XX/XXXX. I want this hold removed immediately and my money available on XX/XX/XXXX. I also want the bank to rescind all holds of this type for the future. There is no reason for a 10 day hold on any transaction in this day and time. As I said, this is the age of computers and Regions will have its money available next business day.

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