milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (OH).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: On XX/XX/XXXX I moved from my old apartment in XXXX Texas ( XXXX XXXX XXXX ) due to military orders. Before I left the apartment I painted and cleaned the place very well. I was sent a bill from the apartment complex a few days later stating that I would be charged for a new paint job, cleaning fees and my last utility bill. I told them I had no problem paying the utility bill but I did not think I should have to pay for new paint, because I lived there for 32 months with out ever receiving a new paint job and I had also repainted the place myself prior to me leaving the apartment. I was told by XXXX XXXX ( the management Representative ) that she would look into the issue. I never received a call back from her, instead IQ data international started to call me and harass me about the debt. On XX/XX/XXXX at XXXX I was speaking to XXXX XXXX at IQ data internantional data about my debt when his manager by the name of XXXX XXXX got on the phone and started to berate me about the unpaid debt and accusing me of " going around in circles '' I told the manager that I am willing to pay what I felt I owed but the manger just kept degrading me and accusing me of trying to avoid paying my debt. The way the manager at IQ Data international spoke to me is unprofessional, rude and degrading. I am concerned that IQ Data will not stop harassing me even after I pay what is the lawful amount of what is owed.

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 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have been attempting to resolve issues with the information included on my credit reports for over 6 months and have not been able to receive satisfactory outcomes. 

When reviewing my TransUnion, XXXX and XXXX  reports this past summer, I noticed several accounts that I did not recognize : XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. On XX/XX/XXXX I wrote each reporting agency a certified letter requesting that the accounts be removed from my credit report. A month later I received correspondence from each agency stating the accounts were " verified as mine ''. I then submitted follow-up letters to each agency on XX/XX/XXXX requesting details about the information that was used to verify the that information correct, and received another " verified as accurate '' letter from each agency with no additional context and none of the information I requested. 

I have subsequently sent four ( 4 ) additional follow-up letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to each agency requesting the method ( s ) of verification, copies of documentation reviewed, copies of signed contracts with my signature, etc., and to date have received the same generic " verified as accurate '' response. 

As my frustration level has increased with the lack of progress being made I began researching my rights in these matters and came across the Fair Credit Reporting Act. One of the sections in that piece of legislation states that these credit reporting agencies are supposed to keep and maintain copies of the legal documents consumer sign with companies/lenders. If that is the case, why would they not share that information when I requested it? The obvious answer is because such documentation does not exist, but then why continue to state that the information is " verified as accurate ''?

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 07/20/2015 about Mortgage (Conventional fixed mortgage) with SIGNATURE MORTGAGE CORPORATION (OH).
Issue: Application, originator, mortgage broker

Complaint: We were referred to XXXX XXXX ( NMLS # XXXX ) with Signature Mortgage. We went through the motions to buy a home and received a pre-qualification letter to proceed on the purchase ( credit pulled and letter received XXXX 2015 ). We found a home in XXXX and put in an offer. The offer was accepted on XXXX XXXX, 2015. The purchase agreement was sent to XXXX and the loan was on its way. XXXX told us that while he was n't familiar with this type of loan ( rehab loan ), he could get it done. Weeks went by and we were working diligently to produce the architectural plans ( hired an architect ) and the bid for the project. These were sent to XXXX XXXX XXXX. Many updates were given by XXXX to the Seller 's agent and to myself that lead us to believe that this deal was moving forward. I spoke to XXXX on the phone XXXX XXXX and he told me that he was working hard on my deal. Still no appraisal had been ordered, no paperwork had been given regarding the loan and no commitment letter was issued and time was ticking away on my contract. We asked for an extension from the original close date of XXXX XXXX to XXXX XXXX. The seller 's agent called his office on XXXX XXXX and spoke to his manager. The manager XXXX XXXX told him that he had no evidence that a loan application was ever made for myself and my husband. This was a huge red flag. The seller 's agent called my agent who then called me. I called and left XXXX message for XXXX XXXX and forwarded him the first and last email from XXXX stating that this loan was moving along. XXXX returned my call the next day XXXX XXXX and told me that there was nothing he can do for me, they do n't even offer these types of loans and that they ( Signature Mortgage ) have not violated any laws. He also told me that they were not liable for anything and that I should 've known that the loan was not pending because I am a real estate agent. Then that very day there was a hard credit pull for both my husband and I from Signature Mortgage. They pulled our credit without permission even after XXXX told me that they were n't working on my deal. 

I have not spoken to Signature since the phone call on Friday morning at XXXX with XXXX XXXX. 
We have spent money on this deal - architecture and escrow money. We are working on salvaging this deal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: To Whom It May Concern, I am writing you in regards to late payments on my credit reports (  XXXX ,  XXXX , and   XXXX    XXXX  for my  Victorias Secret  account.     I understand how important it is to make timely payments, and that failure to do so can create inconvenience for you. However, I missed payments because at the time I was very young and did not have a general understanding of how all student loans work. Over the past couple of years, I have experienced job loss, loss of a child, and an eviction. In the last year, I have achieved job stability in which I am truly confident that I will not miss any payments. I have taken steps to ensure my financial responsibility moving forward.     As a courtesy, I am requesting that  Victorias Secret  make a goodwill adjustment and remove the late payments for the following credit card ; so that I may qualify for a USDA home loan. I understand that I am requesting a lot from you, but please know that any consideration would be a blessing.      XXXX   6 M issed Payments  XXXX  and  XXXX   XXXX   XXXX ,  XXXX ,  XXXX , and  XXXX   XXXX    XXXX    6  Missed Payments  XXXX  and  XXXX   XXXX   XXXX ,  XXXX ,  XXXX , and  XXXX   XXXX    XXXX    6  Missed Payments  XXXX  and  XXXX   XXXX   XXXX ,  XXXX ,  XXXX , and  XXXX   XXXX  I have worked extremely hard to get back on my feet and repair my credit. This will definitely help improve my credit worthiness and give me the renewed confidence as a  Victorias Secret c ustomer in good standing.     Thank you for your time and consideration  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Due to the equifax breach I now have to actively pay in order to keep my credit safe and secure. Upon checking their website I found out that I am vulnerable to having my information stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i have disputed this account XXXX time, and the answer for the credit bureau is the same this account do n't belong to me, there is not reason to be in my file. I told too many time with the credit bureau and the answer is there is nothing we can do. account # XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX was paid and agreed to delete their information. It was removed for the XXXX other bureaus. By law, if an account is deleted from on bureau it has to be deleted from the other 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
Consumer complaint received 01/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have continued for weeks calling Southwest Credit Systems to get the fraudulent account that was set up in my name cleared from collections. I have spoken to Southwest on two occasions to verify I have a fraudulent account. They have confirmed that I do have an account, every time I get transferred to the fraud department there is only an answering machine. I have left dozens of messages with the fraud department and they have not called me back. I am trying to get all XXXX credit companies to clear this collection account that was not made by me. I am unable to do so because Southwest collections will not work with me, or call me to work this situation out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05/16/2017 about Debt collection (Credit card debt) with Machol & Johannes, LLC (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have sent police reports and text messages to  XXXX   XXXX  explaining the debt is not mine, and they still refuse to accept the fraud claim. I have appeared to every trial date and reached out to the police. They served my court appearance to my roommate and told him they were trying to collect a debt from 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 07-08-2015 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (IN).
Issue: Deposits and withdrawals

Complaint: I lost my card. Somebody had deposited fruadulent checks and cashed them in a different state fifth third bank stated they would fix the problem. they sold my account to a collection agency and the thief also took XXXX out of my savings

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: There is a collection account on my credit profile that I have no knowledge of. I do not know who XXXX XXXX XXXX is or why they are trying to collect money from me. I do not have a signed contract with XXXX XXXX XXXX. I have never contacted them. They have never contacted me. I do not owe them. I do not know why this company is attempting to collect. This is adversely affecting my credit worthiness and I need XXXX XXXX XXXX to remove this immediately.

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 07/18/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (AL).
Issue: Fraud or scam

Complaint: On XX/XX/XXXX  PayPal gave  XXXX  {$100.00} out of my account. I protested as I had no idea who  XXXX   XXXX  was. By my own investigation I found this was  XXXX   XXXX .  XXXX   XXXX  emails me at lease once a day with pictures with women to date. When I try to open up the site I get advertisement from them to send money. In no way did I think that I was paying for their advertising. With farther investigation I found that PayPal on XX/XX/XXXX  sent  them {$39.00}. This slipped by me as I thought it was books that I had ordered as there was no way that I thought  XXXX  was   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2015 about Credit reporting () with Experian Information Solutions Inc. (DE).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed a few items with Experian and they were removed off my credit but now the companies have some how added it back on my credit file. Due to there neglect, they should not be allowed to add these back as the company has not responded to them in time. I also had a dispute with the CFPB that was resutled in my favor and the file was not removed and there is documentation that they were removing the tradeline from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Vehicle loan or lease (Loan) with Larry H. Miller Group of Companies (AZ).
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint: I purchased a vehicle or so i thought on XX/XX/XXXX and signed all the papers and after taking the car home and driving it for 5 weeks i get a message saying the contract got returned due to missing paperwork to which i had been in contact with the dealership and also XXXX XXXX who was funding my deal ... so needless to say i went in to try and get my deposit back and was told by XXXX XXXX that per XXXX XXXX the car needed to be returned by XXXX XXXX or they were reporting it stolen .I gave the dealership a check for and additional XXXX dollars and they said they can hold it for 3 weeks well after a week and a half they put that check through and made me almost XXXX dollars negative due to all the XXXX dollar fees for overdraft ... .So then today XX/XX/XXXX i got a text from one of the managers named XXXX XXXX and it said I talked to XXXX she said because they didnt charge me restocking fees or mileage which they could have that they refunded my full XXXX dollar deposit that they would not refund the additional fees ..oh also the Finance guy named XXXX had the nerve to say to me its not my fault your credit is XXXX XXXX ... ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Debt collection (Credit card) with EXPERT GLOBAL SOLUTIONS, INC. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: After transmitting a Certified, Return Receipt " Cease and Desist Contact '' letter to NCO Financial Systems , Inc. ( A debt collection agency - herein " NCO '' ) on XX/XX/XXXX, I was extremely surprised today, XX/XX/XXXX, nearly XXXX years after said letter was received by NCO, to have received a call from this same debt collector. The man asked to speak to me by my first and last name, asked to verify my year of birth, and then proceeded to identify himself as being from NCO Financial Systems, and that the purpose of the call was to collect a debt. After confirming that the man was in fact calling from NCO, I simply disconnected the call, and began filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Student loan (Federal student loan servicing) with MOHELA (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: MOHELA reports I have several Student Loans open from XXXX XXXX University and XXXX XXXX XXXX College. I only took one student loan. through my family 's credit union, and it was paid off, and I have never attended XXXX XXXX XXXX College. I have contacted MOHELA to report fraudulent activity every year for the last 10 years, and have been promised a packet of paperwork would be sent to me in order to get the accounts removed from my name, however, MOHELA never sends me the paperwork

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: Starting in XXXX XXXX, I noticed my USAA checking account ending in XXXX was suddenly in the negative ( over {$1500.00} ). I had not made any large purchases to create this negative balance. I spoke with USAA who informed me that my account was negative due to multiple {$800.00} transfers ( deposits ) coming from an external account I did not authorize -- an external account which had been closed with no activity for over 2 years. USAA claimed that the external account was nicknamed " XXXX, '' however, this name is unfamiliar to me and I have never nicknamed any account " XXXX. '' These {$800.00} deposits all bounced in my USAA account due to NSF ( non-sufficient funds ), but strangely, these bounced deposits resulted in an {$800.00} debit to my account every single time without any obvious transactions showing withdrawals of these NSF deposits. USAA was confused and could not provide evidence of where the money went FROM my account, despite my repeated requests. The bank also refused to close my account during the fraud investigation, resulting in a final negative balance of {$5500.00} ( {$790.00} and {$4700.00} ) when the account was closed on XXXX XXXX XXXX. 

I am not trying to gain any money out of the situation. I have stayed in constant contact with USAA since the first moment I noticed the fraudulent activity on my account, however, as shown from the attached timeline, USAA has repeatedly refused to give me the account statements and other documentation, denied me access to USAA online to reconcile my account, discontinued business with me, and otherwise acted unprofessional and unwilling to help me rectify the situation. After speaking with a XXXX XXXX Legal Assistance attorney, and with USAA refusing to work with me, I am left with no choice but to file a CFPB claim for assistance. The NSF money that was transferred from the closed account to my USAA account, thus bouncing, was not my money and I did not authorize the withdrawal transactions. I would like for my account to return to normal status and the situation to be over. I greatly appreciate any help that you can give!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Loan Science, LLC (NJ).
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: XXXX and XXXX are not updating my credit report for one negative item. XXXX and XXXX keeps providing bogus information claiming that my negative item was investigated. I personally contacted the creditor on XX/XX/XXXX and XX/XX/XXXX to confirm and they NO LONGER have the disputed account on their records since XXXX. XXXX and XXXX " investigation '' stated that this creditor reported their first delinquency on XXXX. The creditor got paid through my already dismissed chapter XXXX that was filed on XX/XX/XXXX and discharged XX/XX/XXXX. The chapter XXXX has already been deleted from my credit reports along with all the involved accounts except this 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 03/16/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Using a debit or ATM card

Complaint: Chase claimed they sent me a letter in mail regard to my account on XXXX XXXX to the fact they need more time to inspect what happened, and XXXX XXXX is today and no letter in mail has been received. How long til I hear from someone? This case is very serious matter due to their neglecting my case for a long time already that 's past due when I have support evidence of these actions not done by me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Hi, They continue to call after telling them to stop calling. Has sent dispute letters without response. The debt date continues to change, which is aganist the law. The debt should be no longer valid but the date continues to change. Very harassing!

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have two hard credit inquiries I am disputing. The first is from XXXX XXXX, XXXX for a credit card from XXXX XXXX XXXX. The second is from XXXX XXXX, XXXX for a credit card from XXXX XXXX. Both of these were not authorized by me and were done by someone else fraudulently. I called XXXX XXXX XXXX to terminate the card and I have had no contact with XXXX XXXX.

Company response to consumer: Closed with explanation