milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Special Financing Company, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Well I heard from somebody a company that would give me a loan. It all sounded ok, and I even gave my information at the begining. But, they told me I did n't qualify and then they said I did -- so when they said that I retracted because that sounded fishy to me and I just figured it went away because I never received the loan from them. They then turned around and used my information to get into my bank account and get money from me monthly that they never gave to 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 05/16/2015 about Payday loan () with Advance America, Cash Advance Centers, Inc. (TX).
Issue: Charged bank acct wrong day or amt

Complaint: This company took {$180.00} fom my checking account on XXXX XXXX, 2015 and the full balance of {$880.00} on XXXX XXXX, 2015. They are refusing the refund the {$180.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/22/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 'm filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX   XXXX ,  2017  I applied online for  a Khol 's Dep artment store credit card. I answered some fraud information questions and at the end of the application it stated I would receive a letter in 10 days. On  XXXX   XXXX ,  2017  I received a letter from Kohl 's stating " unable to verify fraud information '' and was denied credit. I called the company and asked why was I denied credit because Kohl 's did not make an attempt to telephone me to verify my identity due to a fraud alert on my credit file. The Representative was agitated and stated there was nothing she could do and the decision was final. I re-applied a week after that for credit, answered the identity questions, and once again, I received a letter on  XXXX   XXXX ,  2017  stating " Unable to verify fraud information ''. I never received a telephone call to verify my identity. Kohl 's department  Store  deliberately denied me credit. They have improperly used my credit report and fraud alert information. Kohl 's is refusing to correct this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Sierra Holdings LLC (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX I went to a car dealership for an auto loan, I asked specifically if they would shop it around and was told probably depending on if that lot could secure the loan. I said I did not want it shopped around because my credit score was already low and I had been taking small steps in fixing it myself. needless to say I start getting denial letters afterwards. I called and was told these inquires would n't affect my score but of course found out they did. I also went to a car lot around XXXX XXXX of 2017 as well and the same issue as before.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Debt collection (Other debt) with National Credit Systems,Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: After numerous attempts to resolve this situation, I have no other option but to seek outside assistance with this matter. I have contacted  both National Credit Systems and  XXXX , only to be told that the account was " Verified '' by the creditor. When I inquired into WHAT METHOD was used to verify the account, as well as WHO " Verified '' it, I have yet to receive a response. I am a victim of Identity Theft, who is desperately trying to get my LIFE back to some form of normalcy after going through this chaos for the past few years. I have been in constant contact with the Credit Bureaus since   XXXX   of 2016. National Credit Systems is claiming that I owe a debt of {$4000.00}. I have NO recollection of this debt, and would greatly appreciate any help in rectifying this discrepancy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a credit freeze on my credit report. I want to be able to lift the freeze via the internet. I am not able to lift this freeze without calling and wasting 30 minutes on the phone. They have incorrect data for previous addresses and will not correct this. When I call they give me the run around. I want to lift and set my security freeze based on the pin number issued by Transunion over the internet. I do not want to have to call in and announce my soc sec number and pin over the phone for everyone to hear.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I disputed items on my credit report with TransUnion XXXX/XXXX/2016 via their online dispute portal. I received notice upon logging in to check status of my disputes that they needed additional time. I have reached out to them with no assistance regarding the fact that they have 30 days to investigate and either verify and/or delete items from my report. This is very distressing and they have been of XXXX help. I have also notified them of my taking steps to file a complaint with you.

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 07/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XXXX have a bill thats is 12 years old now ERC COLLITION AGENTS THEY REPORT IT AS A NEW BILL I HAVE THEM REMOVED THREE TIMES AFTER A COUPLE OF MONTHS THEY REPORT IT AS NEW AGAIN THE TIME HAS RAN OUT ON THIS WHY DO THEY DO THIS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-07-2016 about Credit card () with SYNCHRONY FINANCIAL (CT).
Issue: Credit line increase/decrease

Complaint: Synchrony Bank has been lowering the limits on all of my accounts that I have with them without notifying me. I find out about it when I view and pay my bills online. They hurt my credit by lowering my limits. My score drops and then they use the lowered score to drop my limits again. It 's a never ending cycle. It 's an unfair practice and illegal for them not to first notify me that they are lowering my limits. They say they have sent me notices but to this day XXXX/XXXX/2016 I have not received a single one.

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 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: Hello, I disputed inaccurate I information I found on my credit, knowing for a fact that it will be over with very soon. The results came and I was informed that the accounts has been verified, I wasn't able to get methods of verification nor a signed documents to support their claim. I have a total of 7 accounts 2 of them were awarded to my favor by a court order and the rest isn't mine and came to find that my information was breached and accounts was totally open under my credit without my knowledge.

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 08/21/2015 about Debt collection (Medical) with AMERICAN ADJUSTMENT BUREAU,INC. (CT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I recieve XXXX phone calls per day from the American Adjustment Bureau XXXX XXXX. In addition to the derogatory accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (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: GMAC mortgage discharged XX/XX/XXXX, GMAC sold mortgage XX/XX/XXXX to XXXX. GMAC files bankruptcy XX/XX/XXXX.  XXXX reports loan discharge XX/XX/XXXX.Loan paid off XXXX. GMAC reports discharge XX/XX/XXXX -4 years after discharge, 6 months after 100 % payoff yo XXXX. 
XXXX refuses to correct in spite of overwhelming documentation to the contrary. 
GMAC writes they have no record of loan. 
OWCEN/GMAC Has no record. 
XXXX duplicates mortgage chap XXXX discharge. 
XXXX claims issue is GMAC 'S.

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 05-04-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I complained befor about mortgage co sps, inc.they are now harassing me even more for more money. I have made all payments on XXXX of each month for last 4 years to XXXX WHO TRANSFERED ME TO XXXX WHO SENT ME TO SPS.NO ONE IS HELPING MY WIFE AND I. I ALSO HAVE HAD XXXX AND GET HANG UP CALLS AT XXXX EACH DAY. XXXX is misinforming sps about my account sps lied said everything was ok when XXXX XXXX called and assured us .then we got letters of foreclosure and that we owed more money and adding a XXXX late fee each time HELPPPPPP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This account is time barred debt. I have written to Midland and contacted the credit bureaus several times to no avail. It is being reported on all XXXX credit bureaus. I have included how they are reported on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and there is currently a {$3800.00} charged off XXXX XXXX account ( XXXX ) being reported to my Experian that I did not create. In my most recent dispute, I requested Experian block this account from being reported on my credit as is my right under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). Under this statute, a credit reporting agency must block the reporting of any information that resulted from an alleged identity theft if the consumer can provide appropriate proof such as an identity theft report. To this date, the only generic response I received is that the account has been " verified '' again and will not be deleted. This is a serious issue for me but it is not being addressed properly by Experian. I filed a police report with my local XXXX XXXX XXXX Police Department as I now intend to bring the authorities into this. I am attaching a copy of my identity theft report along with my complaint and I have also mailed this to Experian. I am filing this complaint because Experian is refusing to acknowledge my request to have this fraudulent account BLOCKED. It is my right as a consumer to request this and I will make sure Experian is held accountable to the full letter of the law if they do not honor my request and continue to stall my dispute. I am attaching a section of a recent credit report which shows how this account is only being reported to my credit by Experian. XXXX and XXXX do not have this on my report. This is another factor that Experian is not taking into consideration. XXXX and XXXX  deleted all records of this account because it was opened as a result of identity theft.

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 10/27/2015 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (UT).
Issue: Account opening, closing, or management

Complaint: Synchrony Bank/JCP ; Has presumed that I owe them for a lowly {$38.00} charge, which ( they have now inflated the charge to {$75.00} ) dates back to around XXXX 2015. They say it is my debt, have written the charge off, and assigned the debt to a XXXX XXXX XXXX ( XXXX ). Here is the problem : Synchrony bank NEVER called us. This {$38.00} charge was being mailed monthly to some ambiguous address and City and zip code some XXXX miles away from us, and we never received it EVER! If we would have ever received it, we would have called them up & figured out and qualmed the problem, but they never called us, and instead forwarded on the charge to XXXX XXXX XXXX. In doing so, it tarnished all XXXX Credit Reporting Agencies ' credit history of my wife, lowering her credit score about XXXX points! In the first place, this {$38.00} charge is likely a fraud case. Also, it was mailed to a foreign address. Synchrony/JCP never called my wife to discuss, and then took the liberty to report to the credit agencies that she is delinquent ( lowering her score XXXX points )! Further, we do n't recall ever opening this charge card! When I call Synchrony, I can never get a hold of anyone who can help. Further most of them, if they want to try, do not speak pure XXXX, and thus ca n't understand them. We 're infuriated, as we call XXXX XXXX XXXX weekly for resolution. While their people are decently reasonable, they say they will put in yet another request for " original credit application '' information. This has been going on for the past 6 weeks unresolved. Also XXXX XXXX XXXX can not rescind this credit history problem, but only Synchrony/JCP can. That, is what MUST happen! Until it does, we will likely feel compelled to hire an Attorney, and legally have these credit reporting errors fixed. But, I 'll not be paying the Attorney, Synchrony/JCP will ...!

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: never lived in texas

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been trying since XXXX of 2014 to remove PMI from my mortgage loan. Despite XXXX written letters and numerous calls, there has been no response from my lender. This is costing me {$150.00} per month for unnecessary PMI.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: In XX/XX/XXXX 2016, two ( 2 ) unauthorised transactions for XXXX XXXX XXXX appeared on my Wells Fargo Monthly Statements. I disputed them at the XXXX, FL, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX County, FDIC Cert : XXXX. I was given a provisional credit on my XX/XX/XXXX 2016 for only {$39.00} ( not the {$6.00} transaction ) and a letter sent stating a provisional credit had been made. No mention on of the $ 6.+ unauthrorised " swipe to pay '' app transaction -- -which my phone is n't capable of doing -- was ever made. The provisional credit was shown on the XX/XX/XXXX 2016 as provisional credit. Meanwhile, XXXX XXXX XXXX continued to accrue interest and add applicaple " payments ''. ( see attached for all three documents ) By XX/XX/XXXX 's Wells Fargo statment 2016, there was no mention of anything being made permanent, Wells Fargo was in a heap of trouble globablly and I was locked out of my online account and XXXX branch said they could do nothing. I stopped my direct deposit and left enough in the account to avoid banking fees. ( see attached ) XX/XX/XXXX 2016, I deposited {$4500.00} and spoke with Services Manager, XXXX XXXX XXXX XXXX who unlocked my online account ( short term and I noticed numerous errors in physical address, phone and account numbersbut that is another issue ), escalated the {$39.00} provisional credit and inquired as to why the {$6.00} never had been file as fraud. Another escalated ticket was issued. ( see attached ) The XXXX XXXX XXXX account as of XX/XX/XXXX 2016 was {$1000.00}. ( see attached ) Nothing has been done by Wells Fargo. No supporting documents substantiating why they refututed the swipe to pay app as unautorized, no finalised credit for the {$39.00} and {$6.00} made at the same time. XXXX XXXX XXXX has submitted it to XXXX XXXX XXXX and it is on my credit report as adverse credit reflection. ( See attached )

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 05-02-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Other

Complaint: In 2012, I believe that I became a victim of a phishing scheme and credit card fraud. I also believe that I am wrongfully being held to blame for the charge-offs on my credit report because Bank of America refused to accept my disputes against the fraudulent charges to my credit card and they failed and refused to protect me from fraud as implied in their Visa protection policies, after I did file my disputes " on time '' with them. // After a " no settlement '' with them, I filed a complaint letter to the Consumer Financial Protection Bureau and received a return letter without the said " attachments ''. // A request for the attachments has been submitted to the CFPB. // Once I had spoken with XXXX XXXX and the credit card account was closed, I was never notified that any charge offs were being placed on my credit report. I had never even heard of a " charge off '' and had known nothing about what it was " ever ''. I feel that I 'm being deliberately " set up '' for some sort of further damage to me by Bank of America. // I 've always been told that any credit card purchases have guarenteed protection and money back protection against " any '' fraudulent transactions. // Only until now, I accidentally found that I could file a complaint about this matter to the Federal Trade Commission . // When the bank closed my credit card account, via XXXX XXXX actions, I believed that the matter was settled and over with. Nothing was said to me about it, no mail notification, no phone calls, no emails, so I believed that I was cleared by their " fraud protection policy ''. ( Now, a double fraud against me ). // I now wish to demand that this matter is to be cleared and erased from my credit report history and my normal credit score restored, ( about XXXX ) with all of the credit score companies. // To me, in 2012, as a normal and un-informed person, I considered that a closed account was now null and void. // Any damaging information being added to my credit report without my " consent or knowledge '' is what I would call " illegally withholding damaging information against an innocent person '' ( by Bank of America ). // I wish to demand justice. // I had no idea that this was going on against me, whatsoever. // End.

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 07/30/2017 about Debt collection (Other debt) with The CBE Group, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I closed my XXXX XXXX XXXX XXXX XXXX account ( XXXX ) in XX/XX/XXXX on good terms after years of service and paying bills on time. In XX/XX/XXXX after moving out of state, I started receiving calls from debt collectors about an outstanding balance ( ~XXXX $ ). After arguing with the debt collectors I waited on hold for a good while to speak with XXXX. For a while they convinced me my identify was stolen and I began pursing that. After a few hours I realized it was n't that bad and they just never closed my account and continued billing me. I called XXXX and waited on hold again to speak with someone who had the recording of the call where my wife closed the account on good terms. They needed to take time to review this 2 minute call and called me back some time later and said that I had XXXX balance and they would resolve this issue with the debt collectors ( this was XX/XX/XXXX ). Today, ( XX/XX/XXXX ) I received another call from debt collectors about the same debt that I supposedly had resolved with half a days effort. I called XXXX again and now they claim I have a ~XXXX $ balance and will not contact the collection agency regarding the erroneous XXXX $ until I pay this XXXX. I do n't trust that this XXXX $ is real debt as my XX/XX/XXXX call said that the matter was resolved. I do n't not think they should be able to leverage XXXX $ of erroneous debt to collect XXXX , real debt or otherwise. I explained to The CBE Group IncXXXX over the phone several times that this debt was not legitimate and they needed to re-verify the debt with XXXX XXXX. As far as I can tell they are legally required to do so, but have not. They continue pursuing collection of this erroneous debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation