milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
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: XX/XX/XXXXask for information on how information was obtained and proof that debts where in fact mine and who collected this information and process this verification obtained I received a letter datedXX/XX/XXXXthat ALL INFORMATION WAS VERIFIED and not one item was confirmed with proof of verification as stated by federal law

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 11-02-2017 about Debt collection (Other debt) with The Law Offices of Gerald E Moore & Associates, PC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The XXXX XXXX Law Firm is attempting to collect a rental debt on behalf of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX that is invalid because I have never lived there. I did not complete or execute a lease. During this initial process, I completed an application and discussed some general rental information only. However, the company stated a full lease was signed on XXXX XXXX XXXX. On the contrary, I received a voicemail from the company on XXXX XXXX XXXX stating that the lease was incomplete and that some documents were not signed or completed. I also received an email on XXXX XXXX, XXXX, stating that the lease was incomplete. In reality, I only initialed some of the documents under the impression this was part of the application process. 

At this point, I believe there was intent to deceive me by providing a partial lease under the impression of a full lease. The following reasons explain how this incidence created this invalid debt and improper collection due to their deception tactics. To be specific, I believe this company was deceptive in their disclosure of documents when providing a copy of the lease and addendum during the initial application process to get an easy rental. To reinforce this, the company provided a copy of a lease that had key missing pages under the guise of a full lease. The apartments intent was to provide the remaining key documents after the applicant signs documents from initial partial lease and therefore keep the rental process moving. There also seems to be a suspiciously completed copy of the lease now with my signature on it, but it was not by me. 
Nevertheless, I cancelled the application process after I determined that a full lease and key addendum was not provided or disclosed during application process or lease review process. The key addendum stated that rental insurance was required for all future tenants. Since I disagreed with the insurance requirement and this key item was not disclosed during initial process, I did complete the lease. To be exact, I cancelled the application process. 

Even after explaining the situation, the XXXX XXXX law firm has continued to contact me in an attempt to collect 11 months worth of rent on behalf of the property, as well as having it negatively effect my cosigner 's credit and my own credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX 's client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for credit cards however no accounts were established. The applications did produce fraudulent related credit inquiries on his credit reports, specifically with Experian. A recent attempt was made to dispute this fraudulent information however Experian sent a reply to our client stating they would not adhere to the request of removing the data due to the fact they believed the activity in question to be suspicious. Meanwhile, a POA and all needed client PII was provided to support the validity of the request. Experian 's failure to provide service in removal of fraudulent data is a violation of the FCRA and my clients federal rights.

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Turner Acceptance Corp. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed this account with 3 credit bureaus and the information is not correct. I asked them to remove this account due to no debt validation and it has not happened. It comes back as verifired when it really according to law was not. According to 2 credit bureaus it is showing as a closed date of XX/XX/XXXX but opened XX/XX/XXXX. How is it possible to be opened in year and closed 2 years in the past. Information is not correct and it was removed from one report and added back without letting me know that it would be. Why would a company state the information is correct if the close date is XX/XX/XXXX but it was opened in the future? that makes no sense. This company has yet to send me ANY type of validation to me at all. I want that postage and date it was sent to my home of when they sent it. I have yet to get anything at all. How can you as a consumer bureau acknowledge the fact that on my report my actual credit report it states the reported CLOSE date was 2 years BEFORE IT WAS OPENED. IF I AS A CONSUMER ASK FOR THIS TO BE INVESTIGATED AND BECUASE IT IS CLEARLY WRONG INFORMATION ON BOTH REPORTS IT IS REPORTED TOO IT SHOULD BE REMOVED. PER LAW I AM GRANTED THAT BUT TO SAY IT IS CORRECT IS WRONG. THERE IS NO WAY THAT AN ITEM ON MY REPORT SHOULD BE CLOSED 2 YEARS BEFORE IT WAS OPENED. IT MAKES NO SENSE AT ALL

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Debt collection (Other debt) with National Credit Services, Inc. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Back inXX/XX/XXXX I gave a debt collector representative from National Credit Services my information to process one payment of XXXX on XX/XX/XXXX. They took my information and processed two payments of the amount stated above, which caused my bank account to go into a negative. Due to this unauthorized payment they processed twice, I was negative in my account with XXXX XXXX. I filed a complaint with Consumer Financial Protection Bureau XX/XX/XXXX case number XXXX. They looked into this issue, had the bank do a reversal of payment because of my information being abused. Also this same company that abused my information ( National Credit Services ) sent me a two separate letters, stating my must sign authorizing the payments. I refused to sign and brought this letter to XXXX XXXX to scan and save. Today two National Credit Services representatives on the same line, called me on the phone at work, hassling me for my information and payment. I explained to them i 'm at work and am uncomfortable with giving them my information, due to the prior unauthorized payments. However I was willing to set up a monthly payment of {$100.00} usc on their online site. They explained to they were n't going to accept my monthly payment and said i was refusing to pay my debt, threatened to ruin my credit and keep me from being able to unfreeze my account and go back to and city or state school. Then, hung up on 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 10-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: on XXXX XXXX upon reviewing my credit report i read that XXXX XXXX is reporting a negative to both transunion and XXXX. I mailed a dispute letter via certified mail on XXXX XXXX to XXXX XXXX using the address from the Transunion report. Weeks later i recieved the letter back marked undeliverable unable to forward and the company moved 20 years ago. I mailed the copy of the envelope and letter to both experian and transunion requesting them to delete for improper reporting and practices on XXXX XXXX via cerified mail. XXXX responded with a letter stating " updated '' and giving me the correct address. I have not receive anything from Transunion and the remark still shows in my report.

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 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Trans Union reports I am employed "XXXX XXXX" I do not work at all. They also refuse to remove outdated information. They also allowed my credit report to be accessed without asking me first after placing a freeze. I tried to contact them when I was denied access online only to be asked to "purchase a credit report" and I will not continue to pay for their deliberate errors and mistakes. 

I contacted Attorney Generals Office, State of Alaska and requested assistance with a phone access number for a live person, and was told that I could fill out a form at home and mail in. 

I am XXXX XXXX and need help sometimes and feel when government offices allow these agencies to continue to abuse consumers protective rights they need to be made to conform. They do not have a local office in Alaska to my knowledge and they should be forced to provide consumer access via live phone "(area code) XXXX" so consumers can address needs and there are "dual" records to deal with compliance and help consumers deal with their "deliberate negligence", trying to force us to buy products.

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 03/15/2018 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I purchased a car on XX/XX/2017, and on XX/XX/2017 I was in an accident and totaled my car I just purchased. My loan is with Wells Fargo Dealer Services. My Insurance company XXXX XXXX and I did not come to a settlement until over a month later. Wells Fargo 's representatives called me and asked me to take the offer XXXX XXXX was giving me which was not going to pay me full value for my car and not pay the rest of my loan off. I begrudgingly took the offer and Wells Fargo was paid {$6200.00} on a {$6800.00} loan. This left me a balance of {$570.00}. Now I recently reviewed my credit report and Wells Fargo is reporting I am 30 days late on payments. But how is that, when you got over {$6000.00} in payments. I tried calling them numerous of times and they keep switching me to different people in the collections department. I asked why they did not adjust my loan amount to fit the new balance. We agreed on a {$100.00} a month. But they collections department has been calling me telling me I owe the whole {$570.00} right now. And now they are reporting a negative rating on my credit report to the bureaus, when they are the ones who told me to take the insurance offer in the first place. It was not my fault the insurance company screwed up the appraisal for my car and the process took longer than expected. I am the one with out a car, without the money I put down for the car, the insurance money I paid and the tax, title, and the dealer cost to get this car I can not drive anymore. On top of that, they told me I would have to reapply to get another car loan. Is this any kind of way you treat your customers?

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 07-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Tran Union ; Have adress on my credit file as XXXX XXXX I 've never live there. Claim i have or had a home loan I do not nor a mortage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX account still reporting incorrect shows last payment XXXX XXXX they also received and processed through my account XXXX XXXX XXXX {$27.00} in XXXX XXXX approximately the XXXX of the month they also accepted my payment of {$27.00} in XXXX XXXX processed through my account XXXX XXXX XXXX I then closed my account with XXXX XXXX XXXX XXXX account. I then on XXXX XXXX XXXX through their automated system paid my remaining balance to zero with the payment of {$21.00} which was my final remaining balance. the confirmation number for the final payment bringing me to XXXX balance is XXXX on date XXXX XXXX XXXX payment has cleared my bank I received a letter today from XXXX XXXX XXXX XXXX card dated XXXX XXXX accepting the closure of my account by me and telling me I had a remaining balance of {$20.00} I paid that as I said XXXX XXXX XXXX I gave you my confirmation number XXXX this needs to be reported correctly account balance is XXXX and account is closed by 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 with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Avid Acceptance, LLC (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XX/XX/2017 As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.

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 05/18/2016 about Credit card () with DISCOVER BANK (MO).
Issue: Closing/Cancelling account

Complaint: on XX/XX/XXXX I paid XXXX the balance on my Discover credit card. on XX/XX/XXXX I had an email conversation with a Discover rep, requesting that my account be closed. The rep indicated at that time that she had closed the account. 
Unfortunately, I forgot to cancel a recurring payment at my online bank, so a payment of {$200.00} was made, then the next day I got an email from Discover about an increase to my credit line. I just logged into their website to see that I have a balance of $ XXXX ... they deducted {$40.00} from my payment for interest charges - on an account that I had requested be closed, after paying it down to a {$0.00} balance. The rep who told me the account was closed on XX/XX/XXXX made absolutely no mention that further charges would be applied to the account. I opened a chat with another Discover rep to request that, since my account was supposed to have previously been closed, my {$200.00} be refunded to me and the account closed. She did close the account, but is only refunding the {$150.00}. I feel that the entire {$200.00} should be refunded, as the account closure mistake was theirs, not mine. I have an email dated XX/XX/XXXX from a Discover rep confirming that she had closed my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX, they provided internet while I was in that address. I paid that last bill, which came to my current residence because I told them I was moving and where to send it. Why have I not heard anything until 2 years later? I moved out XXXX, 2014. What sense is that? Also, it does n't state why I owe, for what, a date, or any applicable information.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Credit card debt) with STERLING JEWELERS, INC. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: A few months ago I realized I was the victim of Identity Theft and some credit accounts were opened in my name unlawfully and charges were made unknowingly to me. I discovered the theft from viewing my credit reports from all XXXX bureaus. I froze all of my credit files, completed an ID Theft Affidavit with the FTC, obtained a police report from my city, sent Affidavits of denial and ID Theft to all creditors and collection agencirs that contacted me trying to obtain money from this clearly fraudulent account. These collection agencies continue to try and collect from me and not remove these items from my credit reports. The collection company is XXXX XXXX and they are collecting for Kay Jewelers aka Sterling Jewelers for account XXXX. This account is one fraudulent account included in my identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Struggling to pay mortgage

Complaint: SPS is  claiming they have responded on   XX/XX/17  to the CFPB c omplaint we file d on  XX/XX/17 . (  yes they are claiming they responded the same day. i have never seen a lender respond to a CFPB complaint the same day it was filed. ) Neither we, nor the seller, nor the CFPB has received a response from SPS. We spo ke to SPS prior  to today they state they must receive a complete short sale package within 30 days of the foreclosure date. And now all of the sudden, today, we have been told they have new guidelines stating they must receive the complete short sale package at least 60 days prior to the foreclosure date. They are claiming this is an investor guideline and it has always been this way. ( I find it funny that SPS can not even keep track of the LIES they tell fro m one ph one call to the next. ) We have just spoken with  XXXX , the investor, and they have stated this is not true. In addition, we have closed more th an 2400 short sale SEVERAL HUNDRED of th em with  XXXX , and the guidelines have never been 60 days. Wh y is SPS makin g up guidelines? Is this because the seller is  XXXX ?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Deposits and withdrawals

Complaint: The IRS sent my XXXX Income Tax Refund to my account ( correct account numbers have repeatedly been verified with both the IRS and Bank of America ) with Bank of America via Electronic Direct Deposit in XXXX of XXXX. The IRS has steadily stated throughout their investigation until the end that Bank of America has misplaced my Income Tax Refund. I have encountered several rude and disinterested Bank of America Customer Service Representatives and Managers that have continuously stated that the IRS had never sent the refund, there is nothing further that Bank of America can do about it and that I need to contact the IRS. Other representatives of Bank of America just did not follow through and/or they claimed that their hands were tied. Today in XXXX XXXX, Bank of America still refuses to investigate past what can be seen in front of them on a computer screen, will not escalate my complaint higher up the ladder until issue is resolved and continues to point the finger at the IRS. Bank of America seems to have a lack of communication connection throughout their institution. I have experienced this fact in several instances through this bad situation. My Direct Deposited Income Tax Refunds in the past have always entered my account on the date that the IRS has stated. I have been a customer of Bank of America for many years but I was treated as if I were nobody to them. My Income Tax Refund may be pennies and nothing to Bank of America but it was gold to me, I depended on that money and this has created a negative downward spiral effect in my life and Bank of America has proved that they could care less.

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 07-03-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I can not obtain a credit report because someone has used my social security number to obtain a mortgage.

Company response to consumer: Closed with explanation