milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have  XXXX  dismissed chapter  XXXX  cases on my credit report. Upon filing the latter Chapter  XXXX  case, I included  2 cre ditors on my form to the bankruptcy department. I later decided not to go through with the bankruptcy and received a voluntary dismissal. All  XXXX  credit bureaus have listed these bankruptcies as dismissed. I disputed both accounts with all  XXXX  credit bureaus and have been told that because the accounts were reported in my dismissed bankruptcy filing I can not dispute the creditors.   The creditors could easily verify that I did not go through with the bankruptcy and investigate my dispute. Instead I am being punished by having the dismissed filing and having to wait 7 years to remove and not being able to dispute thes e two co llection accounts.     I HAVE SENT COUNTLESS LETTER S ( TRACKED ) TRYING  TO GET THIS RESOLVED TO NO AVAIL. THE CREDIT BUREUAS ARE ALLOWING CREDITORS TO REPORT THAT I AM NEGATIVE EVERY MONTH EVEN THOUGH THEY SAY I AM CURRENTLY IN A BANKRUPTCY PROCEEDING.

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 07/17/2017 about Vehicle loan or lease (Loan) with SUNTRUST BANKS, INC. (TN).
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint: I 've learned while I was under wage earner, my identity have been stolen and is being abused. My personal information have been stolen. Drivers license, social security card. My date of birth changed with all   XXXX   credit agencies, my former employers have been changed from   XX/XX/XXXX - XX/XX/XXXX . All  of my former addresses have been changed.
While under  wage earner t he bank changed to Sun trust Bank. I never had a loan with sun trust. My payments were payroll deducted by my former employer   XXXX   XXXX   XXXX   XXXX  . I 've learned it is an inside job, the theft of my identity.   XXXX   XXXX   posed as a paralegal with the   XXXX   XXXX   XXXX  . I filed a   XXXX   XXXX   law sue in   XX/XX/XXXX . The family began preparing my death without my knowledge. In  XX/XX/XXXX  I was gi ven a   XXXX   XXXX   of   XXXX   XXXX   in the doctors office. I was flown to  XXXX  by a private jet. Both parties expected for me to pass away. They were told by the doctor if I do n't have a   XXXX   XXXX   I would n't survive.   XXXX   XXXX   amended & restated all of my tax returns and made themselves my conservator. They took my home in   XX/XX/XXXX   by selling the first mortgage on my home. The family refinanced my 2nd mortgage and took my home while I was under  wage earner. I am  reporting to all of my creditors. The case number was   XXXX  . I was discharged on   XX/XX/XXXX   with   XXXX   XXXX  . My social security number is  XXXX . My credit report do n't show the last four digits Of The loan/account number. This is the reason I included my social security number. My drivers license number is  XXXX . I 've reported the theft of my drivers license to the department of motor vechile in the state on Tennessee. Nothing has been done. I 've changed my last name to my maiden name, which is  XXXX . I kept my married name to prevent losing history. My parents are deceased, my father   XXXX   XXXX   XXXX   passed away in   XX/XX/XXXX .  His social security number is still being used by the     XXXX   Family  . My mother name us   XXXX   XXXX   XXXX   she passed away in   XX/XX/XXXX .  The FBI told me it 's an inside job.

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 06-11-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Billing disputes

Complaint: Hello, I purchased some HVAC ( furnace / air-conditioner ) equipment from a business in Iowa. After the equipment arrived and was signed for I removed the boxes for it. Upon inspection I noticed the furnace was bent, and sent some pictures to a furnace technician. They said not to use it. 

After a long fight with Bank of America 's credit card division, they released payment for it, stating that I signed and received it. The XXXX attorneys I spoke to said my credit card should not release payment. I am trying to find an attorney to take the case.

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 11/28/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is currently reporting XXXX closed student loans on my credit file from US DEPARTMENT OF EDUCATION. Both loans are older than 7 years and are still reporting on my credit file. The accounts were paid and closed XX/XX/XXXX. I looked at my credit report today and at the payment history and Equifax is reporting the loans as CA ( Collection Account ) for XX/XX/XXXX and XX/XX/XXXX - the account was paid and closed in XX/XX/XXXX so how is it being reported as collection account in XX/XX/XXXX? 
i also noticed that i was reported as 120 days past due for XX/XX/XXXX and XX/XX/XXXX! These accounts were paid and closed in XX/XX/XXXX! How are you reporting current data on a closed account that has been closed for 3 years!

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Debt collection (I do not know) with EOS Holdings, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We are receiving daily robotic phone calls from XXXX from " XXXX XXXX XXXX XXXX XXXX XXXX ''. The message claims they are a debit collector and asks us to call back to resolve an unpaid debit. We have called back, and the phone call is answered by a telemarketer trying to phish for information they do not have ( who is calling, social security numbers, bank account numbers, etc. ). We refused to engage in the phishing and asked that the calls stop. Nevertheless, the calls continue. 

They do have an online website : XXXX XXXX XXXX This website has a " payments '' page referencing the above phone number. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have incorrect information on my credit report. I went to dispute items that were incorrect again and experian will not let me do so. Message came up that i have already disputed these XXXX items and will not re-dispute the information. I tried to add a statement as XXXX item was a result of identity theft and again it would not allow me to add a personal statement. Now i need to spend my time on the phone again tomorrow to call experian and I want these items re-disputed. It 's not right that I have identity theft on my credit report which is affecting my credit score and they wo n't remove it. I also contacted the ceo of XXXX to complain as I was getting nowhere trying to contact XXXX XXXX customer service. There are also items reporting as potentially negative for a late payment. When in fact I have valid proof from the bank that these items ( XXXX ) should be reporting as accounts in good standing.

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 04/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received numerous automated dialer calls from Enhance Recovery XXXX to collect an amount, supposedly from XXXX XXXX XXXX that does not exist. I have contacted them several time by phone and in writing. I have informed them that their claim is fraudulent, actually using those words, and asked them to prove that the debt is valid. I even disputed it through XXXX. They have never shown any proof that this is a valid charge. I have never received a bill in this amount from XXXX and when I had service with them I was on auto payment so I always had a zero balance. XXXX years after I cancelled my service I began to receive calls from them. I will include copies of letters that I have mailed. 

I believe that this company uses frustration and filing false credit information as tactics to secure payment from people for amounts that may not even exist. They rely on the fact that it is just easier to pay than risk being reported to a credit bureau. I have spent many hours on the the phone trying to find out about this debt. ( mostly on hold ) It is simply not ok that predators like this are allowed to bully people into paying amounts that they do not owe. It truly amounts to extortion. 


( I have several other files I can submit )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: XXXX contacts me, via phone, through my place of employment in an attempt to collect a debt. I 've asked ( verbally ) for them not to, yet still they call. 

They do not need to contact me at work when I have a working home phone and XXXX mobile phones. They know those numbers because they have left several voicemails. This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX # XXXX XXXX XXXX XXXX, XXXX, MA XXXX has placed a collection on my credit reports. This is for an XXXX account that I did not authorize. They have never been able to show me where I signed for this account. Please have them remove this negative information from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (I do not know) with Professional Receivables Network (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Phone number XXXX calls and a recording says the call is for someone who does NOT live here. I have notified them XXXX times that the person does NOT live here and the robot continuously calls back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Debt collection (I do not know) with Centric Asset Management Inc (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Centric Asset Management has been calling my work phone and leaving messages that state XXXX legal actions are about to be filed against me. The last call was from their " Chief Investigator for Pre-trail Processing ''. They state that not calling them forfeits my rights and they are going to contact my company 's XXXX department. Also by not calling them it is documented as a " refusal '' on my end and that the cases will move forward in XXXX County ( Minnesota ). 

All of my debts were discharged in a Chapter XXXX bankruptcy in 2014 and I feel as if they purchased uncollectible debt and are using scare tactics to illegally extract payments.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to receive mortgage assistance from Wells Fargo since XXXX 2015. My wife and I had a terrible hardship with our children and expressed that to the lender with our loan modification request and documentation. We were strung along for 6 months falling more behind to be told that our income was {$4600.00} and insufficient, totally untrue! At the time of this mod request I sent over my XXXX unemployment income and my wife $ XXXX monthly income ( XXXX contribution ) she is not on the loan. That 's {$6800.00} in income with about {$5000.00} in expenses, a {$1800.00} surplus. So I appealed that decision with updated income since I started back to work with current paystubs from my wife and I. Our income between the both of us is over $ 10000 monthly and we were yet denied again. With no explanation. So now Wells Fargo could n't say our income was insufficient because it was n't. So instead Wells Fargo gave this vague response : " After carefully reviewing the information we currently have, we have determined that you still do not meet the requirements for a loan modification ''. That explanation is not acceptable! This lender is XXXX % the reason we are $ XXXX behind because they have wasted so much time with not trying to help. I have been misdirected and misinformed by XXXX different Wells Fargo dept whether to send in payments. I got a different answer from all XXXX dept when I asked can I still send payments. It seems Wells or the investor is looking at a better market and equity in my home and is not willing to help. You can hear and feel it in most all conversations with them. We feel this lender is not being forth right. I called the executive office today and was told that there was nothing they could do, I was trying to set up a repayment plan because we make the money and they said they could n't do that giving no explanation. This lady said that we had exhausted all our options. Are you kidding me, absolutely no help at all from Wells Fargo. We are good educated people who went through a tough time and just need a little help to bring the mortgage current. They have not put ONE plan in front of us to do just that. So at this point we want to make a formal complaint to CFPB regarding Wells Fargo mortgage for : Unfair Business Practices, XXXX Fair Debt Collection Practices Act, Violation of Cal. Civ. Code 2923-2924.5 ( Ca Homeowner Bill of Rights ) and /or Breach of Contract. We want this lender and investor to offer us at least XXXX reasonable 6 month plan to resolve the delinquency, if not a loan modification. We are reasonable people who is not trying to live for free. We want to pay the mortgage, we just need Wells Fargo to accept the payments. Please help and thank you for listening!

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 09/14/2016 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received a credit card in the mail at home which is described as a replacement credit card and along with the credit card with my name was another credit card in the name of another individual for the same account. This other individual is not a member of my household and is the name of someone I worked with 10 years ago. The credit card also is a membership card for Sams Club. The membership cards that are authorized by my under my account are for myself and my wife. This recent mailing of credit cards did not contain a credit card for my wife but included a card for this other person with the exact same account number. In the mailing there is no contact information for Sams Club or its credit card issuer and only a phone number to activate the new credit cards. I did not want to activate the cards I wanted to report this error and potential fraud on the part of this former co-worker. As there was no contact information included within the credit card mailing I found a phone number on Sam 's Club website and dialed that number. After navigating my way through voice mail XXXX I finally was at a point where I was on hold, still on hold to report this fraud and cancel this card and get the name of this other person off of my credit account. I have now been on hold for 35 minutes attempting to report this fraud. My complaint therefore is twofold, first Sam 's Club is making it very difficult to report fraud by hiding its contact information and secondly once you have a phone number, you are left on hold. Secondly I want this other person removed from my account.

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 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This comaplaint is for XXXX for the XXXX XXXX XXXX credit card. My credit card was used without my consent on XXXX XXXX, 2017. There were two charges made. One charge was was at XXXX XXXX XXXX for {$47.00} and another at XXXX for {$440.00} in XXXX. I do not live or have visited XXXX. I did n't notice these charges on my account until XXXX XXXX. I immediately reported the fradulent charges on my account and asked to be sent a new card. My balance on the account before the fradulent charges was {$490.00}. My main problem right now is that XXXX closed my account with the balance of {$990.00} and reported it to the credit agencies. My credit report currenly shows that I have a closed account with this high balance. It is affecting my credit score in a very negative way. I understand that XXXX needs 10 to 14 days to complete an investigation, but there is no reason why my credit score needs to hurt in the process. I have never been late on any of my payments. I have been a good customer. This protocol they have taken is not right. Why should my credit score hurt while they do their investigation. They should have never closed the account with such a high balance, specially when part of the balance was not even authorized by me. In the past, when I had a fradulent charge on another account it was not handled this way. The account was n't closed and reported to the credit agencies with the fradulent charges. They simply just send me a new card, and an affidavit to sign, where I stated that the charge was not authorized by me. As of now there is one XXXX XXXX account showing a balance of {$940.00} and another one of {$47.00}.

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 03-03-2017 about Debt collection (Medical) with AmeriCollect (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: my son had emergency room service on XXXX/XXXX/16. XXXX agencies billied us, the hospital itself, and XXXX. the hospital submitted a claim to XXXX which was paid. XXXX did not submit their billing to XXXX. i have to buy a new car and saw that i had something on my credit report from Americollect. I called them and they let me know about the second creditor. i contacted XXXX after this and they said that americollect would have to submit the bill to the insurance company. Americollect was not willing to do this and said i needed to set up a payment plan. This should have been done by the original creditor, but it is out of their hands now. Americollect is unwilling to submit the billing to XXXX. This should not be on my credit report and should not be affecting my life the way that it is. Please do something!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Debt collection (Mortgage) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: IQ DATA INTERNATIONAL IN and XXXX XXXX is reporting negatively on my credit report even though the account was charged off and written off on the companies taxes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am not trying to get Navient in trouble I just need help with them trying not to let my private loans default. I have been doing my best to pay on my private student loan but this month I was not able to pay it and now I am going to be in default by XXXX XXXX. My bal is XXXX in the rear that needs to be paid. But, I do n't have the money to give them. And I want them to give me until the XXXX of XXXX to give them the money. I had lost my job and I got a new one and the day I get paid is on the XXXX of XXXX and I just need time to pay them. Please help me. I do n't want my credit more damaged then it already is. Plus, I do n't want them to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I had to claim bankruptcy and w as discharged back in  XX/XX/XXXX . Af ter that we moved from  XXXX  to  XXXX .  XXXX   utility company was  included in this BK. This past month I get a collection on my credit report with   XXXX   XXXX   for {$560.00} with original creditor being  XXXX  and opened   XX/XX/XXXX . We   have not lived in   XXXX    ( wh ere  XXXX  is provided ) sin ce  XX/XX/XXXX a nd they were included in the Chapter  XXXX  bankruptcy. Their only contact was this collection put on our credit report. It states their information is   XXXX   XXXX   XXXX   XXXX     WA  XXXX . I ca n't even do a certified letter to them as they only have a  XXXX   XXXX   .

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