milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/30/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed XXXX a collection item on my credit called, XXXX XXXX XXXX with Equifax. However, Equifax results of the investigation were that the collection item belonged to me. On XX/XX/2015, I disputed the collection item pursuant to 15 USC1681i ( 6 ) ( b ) and 1681i ( 7 ). However, two days later Equifax came back and stated the item belongs to me. Equifax failed to provide me with the request information pursuant to 15 USC1681i ( 6 ) ( b ) and 1681i ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Other debt) with National Commercial Services, Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On or about XXXX XXXX, XXXX I received a collection letter from XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX informing me that I, personally, owed approximately {$15000.00} to a company named XXXX XXXX XXXX, also located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. 

I have known this company, and the the owners for many years. Various companies that I have worked for did do business with them. One such business, XXXX XXXX XXXX, did do business with them in XXXX, and those transactions resulted in the $ 15,000+ dispute. XXXX XXXX XXXX believes that XXXX XXXX owes them a considerable sum of money, and perhaps XXXX XXXX feels it is the other way around. 

However, I am not, and have not been, an owner, or an employee, of XXXX XXXX XXXX. I had nothing to do with the business dealings or transactions that created this dispute. Notwithstanding that fact, XXXX XXXX engaged the business next door to them - National Commercial Services ( NCS ) - to begin collection proceedings against me, personally. This was, and is, an obvious attempt at harassment. XXXX XXXX and NCS clearly believes that by subjecting me to this campaign of harassment, I might pay the debt they allege is owed, or at least lobby XXXX XXXX XXXX to pay the debt. 

On XXXX XXXX, XXXX I dispatched a letter to XXXX XXXX XXXX of National Commercial Services, informing him in no uncertain terms that I was not, and am not, a party to the debt, and their attempts to collect this debt from me is improper and exposes them to liability. 

Still, NCS continued it harassing collection attempts with additional demand letters. On XXXX XXXX, XXXX I learned that NCS placed an {$18000.00} collection debt on my XXXX credit report. I assume NCS has done likewise with other credit reporting agencies. 

This egregious and inappropriate action has obviously caused me severe troubles, as I have been attempting to rent a home and apply for other types of consumer credit. 

These tactics to extract money from myself, a person who is not, and never was a party to the underlying transactions is a flagrant abuse of the Fair debt Collection Practices Act ( FDCPA ). I respectfully ask that the CFPB take appropriate action against National Commercial Services of XXXX XXXX, California, and that they be ordered to remove their collection debt against me from any and all credit agencies.

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 07/24/2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Agency- Stellar Recovery My husband and I are the underwriting process of purchasing our new home. on XX/XX/XXXX I received an alert of a new collection account from Stellar Recovery on my credit report. I tried calling the number listed on the credit report but it was not an active working number. I immediately researched agency and sent them an email disputing the collection and filed a complaint with the 3 credit bureaus. I sent two physical letters to two different addresses ( Montana and Florida ) associated with the business. I contacted my bankruptcy attorneys and they sent a letter to the company on my behalf. I left an inquiry on the agency 's website. I 've called the company at other phone numbers I found online 3x but could only leave messages. I then did a search in my spam email and found they emailed me 4x in one day on XX/XX/XXXX before placing this on my credit. ( Three of those emails from the agency were addressed to 3 other individuals providing me with their names and addresses. The email addressed to me never stated who the bill was from, the amount of the bill, or that it was an attempt to collect a debt. The company has not returned any of my calls, emails or inquiries. My credit score has decreased by 30 points due to this and we are still waiting to hear how this may impact our chance of buying a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: case number XXXX XXXX of XXXX this is concerning house on XXXX ohio XXXX about three or four years ago I borrowed {$120.00} our payment was XXXX a month we paid it down to about XXXX to XXXX when OBama came up with the modification loon we thought that would be good so we could have some extra money to help our children. when I called chase the lady said that we had never been late or behind so the only way we could get help was to stop paying or payment when we heard from them they said to send in XXXX.for 3 month trial then they would work out a payment plan then they said that time had lapsed and we would have to send XXXX for 3 month then XXXX then XXXX then XXXX up to XXXX is what they wanted they would n't work with us we ended up in court in the meantime we received a XXXX check from chase for or part where chase had done homeowners wrong. then chase sold us out to XXXX but chase continued to take us court in the meantime raven cook called me and said she had good news that my payment would be XXXX and that included taxes and insurance and that now we would n't have to go back to court.we sent in XXXX or XXXX payments then back to court again I told the lawyer that I had what raven said on tape a couple days latter chase sent our last check on payment back we were in foreclosure the bank bought it for XXXX and turned it over to a realtor then another realtor.i had a realtor to check with them and they said that no one related to us or by marriage could ever get the house back. we had an attorney who was trying to work with us and possibly even renting the house it seams like a night mare.one morning there was knouk on the door it was a sheriff with an eviction notice and people to seat our possessions out of the house I told them or attorney said that we had at lest two moor months but they said today it was raining awful they put our things out in the yard it rained for three days a lot of our possessions ruined our couch is still in the yard where are my pictures & & & my wife is XXXX and I am a 100 % XXXX XXXX veteran I went off to war and thought that we was doing right. XXXX of us died and over XXXX of them that died then. my country let chase bank steal my house this has been very stressful on us both. we also have a son that has XXXX that was affected by losing our house we would have been so much better if we had n't ever heard of a modification loon where is my help many other families have lost their homes also by modification PS I WANT MY HOUSE BACK BEFORE IT IS SOLD FOR WHAT WE WENT THROUGH AND OUR STILL GOING THROUGH WE SHOULD NOT OWE ANYTHING I THANK THAT JPMORGEN CHASE WE SHOULD BE PAID THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: There is an incorrect address on my report : I have not lived at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, Ga 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 non-monetary relief
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX, XXXX, and Transunion all showed my name and report as having an account with XXXX XXXX XXXX. Transunion dispute was good and the bad information was removed. XXXX  will not answer the phones and the on line service will not function at all. 

I have contacted XXXX Cards and they say they can not talk to me about the account because I am not on the account and they can find no record of an account in my SS #. I asked for a written statement to that effect and they told me I had to dispute it through the individual bureaus. I have done it and all but XXXX have fixed it. 

I sold my house and now can not get a mortgage due to this error. How in the heck do I fix it?

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 08-05-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax and XXXX are reporting tax liens on my credit when they are NOT tax related. They were from traffic tickets. They have led mortgage lenders to believe that I have tax problems and I have been declined credit because of it. This is in violation of the FCRA and the courts upheld this in this case : US Court of Appeals, XXXX Circuit, No. XXXX, XXXX vs. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I brought my XXXX mini van in to be repaired at XXXX auto in XXXX NY while under warranty. The two electronic keys were not working properly.The dealer refused to honor the warranty claiming there was nothing wrong. I contacted XXXX and informed them that their dealer is refusing to honor the vehicle warranty. After the warranty expired the keys stopped working completely. I brought the van back in and was charged about {$480.00} for two keys. I asked why I was being charged and was told the warranty expired and they were not responsible. I paid with a credit card or I would not have been allowed to get my car back. I checked NY law and was told by two lawyers that if a vehicle is brought back under warranty and the problem is not fixed the warranty remains in effect until the problem is fixed. I informed XXXX XXXX chase credit card company of this. They refuse to remove the negative info from my credit file and this is causing me to be denied other credit card offers that come with large rewards. Issue two I went on XXXX and after looking at items a pop up adv from XXXX appeared offering me {$50.00} off my first purchase, NOT SECOND PURCHASE. If I applied for and received a credit card. I did this and was approved. I bought items for a bit over {$50.00}. I received a bill from XXXX credit card stating I would receive the {$50.00} off my second purchase and had to pay the {$50.00} plus from my first purchase. I offered to return the goods but they could not be returned. Since there would be no second purchase I asked XXXX to honor their offer. They refused and placed negative info on my credit report. This is hurting my ability to receive new credit cards. In both cases the credit card companies are intentionally transmitting false information about me in order to ruin my reputation. Can you do something to fix this?

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Debt collection (I do not know) with COMMUNITY CHOICE FINANCIAL, INC. (SC).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Not my Loan ' and do n't know the person '

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 10-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: DEPARTMENT OF EDUCATION/NAVIENT XXXX XXXX XXXX, creditor, Education Loan is fraudulent. It has been settled beyond controversy, a bank can lend its money, not its credit. DEPARTMENT OF EDUCATION/NAVIENT XXXX XXXX XXXX has created a constructive fraud, peonage, conspiracy, and dishonor which have resulted in my Revocation of Signature for Cause. I have written several letters to XXXX XXXX to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received an a credit report and noticed things on my report that were not authorized by me. After researching on XXXX I found that the Credit Reporting laws allowed for me to make a dispute under the protection of the FTC identity theft affidavit. I followed the instructions of the FTC and submitted a dispute with Experian regarding fraudulent items found on my credit report. After waiting 30 days giving Experian ample time to remove the items the came back with a report that says updated. 

Its my understanding that Experian only has 5 days to block the items from my report. It is awfully frustrating to say the least that these credit reporting agencies do not have to follow the law. 

I am submitting this complaint because I just dont know what to do to resolve this. Please hold Experian accountable.

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 (Mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Wells Fargo is calling sometimes up to XXXX times a day. And they start calling within my grace period. Any time I am more than two days late on a payment they will call repeatedly throughout the day. I have asked them to stop calling me so much. They say they will note the account. They do not. When they call and I ignore the call, it is rare that I even get a voicemail. I have received XXXX and they have called me over XXXX times in the last 6 days. It 's plain outright ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (FL).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX I initiated a wire transfer for {$12000.00} from my XXXX account over to CoinBase ( a digital currency exchange ). This wire transfer still has not hit my account in CoinBase and I have no access to my funds. I have actually successfully wired funds from the same XXXX account to the same CoinBase account in the past but for some reason, this wire is being held up on the CoinBase side. I followed all of the instructions CoinBase provides. This is exactly what it states on the CoinBase ( XXXX  ) page when setting up a wire transfer : " Bank wire transfers may be credited to your XXXX account on the same day if submitted by XXXX PT. Otherwise, funds will be available after one business day. '' My wire was submitted on XX/XX/XXXX at XXXX Est so it should have hit CoinBase the same day. I contacted XXXX and they show the transfer was completed on their side with no issues.I was provided this information from XXXX : Transaction number : XXXX and Fed reference number : XXXX As of XX/XX/XXXX at XXXX Est I still have no access to these funds. They are being held on the CoinBase side. I have tried to contact CoinBase numerous times. They have no phone number to call. On their website, the only option to contact them is by a web form. I have sent in a few requests on this web form. I have only received one generic response on XX/XX/XXXX that said this : " Thanks for contacting us, and sorry for the difficulty with your wire transfer. We are aware of an issue with incoming wires, and our engineers are working to resolve it as quickly as possible. We will follow up with you as soon as you we have an update. '' I have had no other responses from them. I have also sent them numerous private message on XXXX to their support department. They have not responded there either.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Customer service are designed to make the customer mad They dont help Talking to them is like taking to a robot They charge 28 % interest Raised my minimum payment from {$25.00} to {$65.00}

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 06/16/2017 about Debt collection (I do not know) with Hunter Warfield, Inc. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: We have received another scam letter f rom Hunter Warfield, claiming t hey are attempting to collect a debt for a company we 've never encountered and an amount we 've never owed. I am well aware how these organizations work in attempting to purchase debts from creditors, manipulating people with similar names into believing they owe a debt that is not their own, and harassing said people until they give in and pay a debt they do not owe. I will not stand for this again! Companies like this should be taken down by the government for their deceptive and shameful acts of extortion.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Colony Brands, Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: They have been asked repeatly for the last 18 months to produce a signed credit appl, a loan repayment or loan document that has my signature they can not because I never signed one removal of account and XXXX damages for failing to comply with FDCRA

Company response to consumer: Untimely response
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian Received my Letter XXXX/XXXX/2017 which contained an FTC Fraud Affidavit of the adverse actions on my credit file. they have yet to delete the Address on my file as they say it is mine and they are stern and stiff at removing this incorrect address. the address in question is '' XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX '' .My Address has always been XXXX XXXX XXXX XXXX , Wa XXXX. If Experian still deliberately fails to honor my disputing of this incorrect data on my file, they will leave me no other choice than for me to contact my Consumer Protection Attorney and file suit for negligent non-compliance and Grievous VIOLATIONS OF FCRA reporting of inaccurate information!

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 08-07-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear sir/madamas I was going through my credit report on XXXX and XXXX and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called MIDLAND FUNDING LLC any time I dispute the account, they kept sending a letter to my home address with a diffrent recipient name on it. Said they investigated the dispute and notice it was mine. First I have never had any account with MIDLAND FUNDING. Second, They have to explain which address I was living when I acquired this debt. .I do n't know how they got my social security and my date of birth because I know I have never had any account with MIDLAND FUNDING or any of it affiliates. 
I am requesting that MIDLAND FUNDING LLC or any of their affiliates should remove such negative statement from my credit report. 
I copy this account number from my XXXX credit report with Midland funding name on it XXXX

Company response to consumer: Closed with non-monetary relief