milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-09-2017 about Debt collection (Other debt) with Ridge & Valley Realty, Inc. (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX I contacted Credit Systems Inc. They placed a false judgment on my credit report which was removed by the credit bureaus. however I still wanted to discuss it with them because they have me in collections. The debt they had was originally {$230.00}. They then sued me in court and raised my debt to {$1000.00}. They are continuing to raise the amount I owe. I communicated with them I could not make the court date because I was in a hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX to my XXXX XXXX son. They said that 's not their problem and they will continue to charge me interest. I am XXXX XXXX military and by law, the company is required to let the court know that when they " sued '' me. They told me they did n't let the court know and again it 's not their problem. As a service member, I have legal protections against situations like this. The company has lawyers and they know the law. Their blatant disregard for it is inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently started the process of rebuilding my credit and notice that I had a XXXX hard inquires, dated fromXX/XX/XXXX through XX/XX/XXXX, that I did not conduct. It seems as if someone was trying to obtain several credit cards in my name without knowing I do not have a typical credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: i filed a dispute of an outstanding bill that was not correct, all they did was verify that the bill was sent to me without further investigation as to is correctness.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Every month I have to file a dispute with XXXX and experian they do an investigation and then remove XXXX from my report. The next month it 's added back to it. I have sent information that this is n't mine and I have sent a letter of debt verification to XXXX asking for verification that its mine. They have yet to respond and its been at least 60 days. I 'm tired of it popping back up it drops my score over 100 pts every time it shows up.

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 07-05-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I submitted the IDR application along with my tax return. I emailed fedloan several time about the status. The response is that enough information is not included to provide a response. The account number is listed in the email/inquiry. As of today, I have not received a response regarding the supposedly missing information.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I am write for XXXX XXXX XXXX XXXX XXXX us sue him a cop delivered him civil used papers. To collect a debet he does n't have no money at all. We all ready talk to them they said send it to credit bureau ....

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 05-10-2016 about Debt collection (Medical) with Revenue Recovery Corporation (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I asked for a detailed bill of my account and was told they do not have to give me one. How do I know the debt is valid without the original bill. They sent me a statement that I promised to pay which in fact I did not I wanted a detailed bill.

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 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello, My name is XXXX XXXX. I am submitting this request due to some unauthorized inquiries which are on my credit report. I have inquiries from the following companies to whom I did not authorize : XXXX XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX  XXXX XXXX XXXX Finance XX/XX/XXXX TransUnion XXXX FinanceXX/XX/XXXX TransUnion   XXXX Finance XX/XX/XXXX TransUnion  XXXX XXXX Finance XX/XX/XXXX TransUnion  XXXX XXXX Bank XX/XX/XXXX TransUnion  XXXX XXXX Finance XX/XX/XXXX TransUnion   XXXX Finance XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX Credit Union XX/XX/XXXX TransUnion XXXX XXXX 2 Automotive Dealers ( New ) XX/XX/XXXX XX/XX/XXXXXXXX XXXX Automotive XX/XX/XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TransUnion XXXX XXXX/XXXX XXXX Mortgage Companies XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TransUnion XXXX Mortgage ReportersXX/XX/XXXX XXXX XXXX Finance XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TransUnion XXXX XXXX XXXX Mortgage ReportersXX/XX/XXXX XXXX  XXXX XXXX XXXX Miscellaneous Finance Companies XX/XX/XXXX XXXX  XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX XXXX Auto Reseller XX/XX/XXXX XXXX  XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TransUnion XXXX Finance XX/XX/XXXX TransUnion XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX   XXXX XXXX BankXX/XX/XXXX TransUnion XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TransUnion XXXX Automobile Financing Company XX/XX/XXXX XXXX  XXXX XXXX XXXX  Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TransUnion I have listed what reports are showing and I have no intentions of applying for credit. These multiple inquiries make me look desperate and that is far from the case. I think that these unauthorized inquiries make me look very irresponsible and makes it almost impossible for me to apply for future credit if needed. I have made various attempts to solve this matter but it has gotten me no where. I've tried calls and letters to those listed above and they've done nothing to fix it. 

Please get these unwanted and unauthorized marks off of my credit so that I can enjoy the American dream.

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 08/30/2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX is on my XXXX report as an open acct, open date as XXXX XXXX, date of last payment XXXX XXXX with a balance of XXXX {$.00} i did dispute with both equifax and XXXX because it didnt match equifax report- and during the dispute XXXX removed my acct from equifax, then put it back on with different info. the first report that was removed had an open date of XXXX XXXX, and is listed as closed, when they reentered it onto my credit report on XXXX XXXX, it is listed as open, opened on XXXX XXXX, a balance of XXXX, ( i have made no payments ) and it says i missed XXXX payments ( i havent made any payment arrangements.they also have it listed as XXXX months on XXXX report.i feel something just isnt right, and i have received no correspondence from XXXX other than when my car was auctioned and i owed the amt of $ XXXX that was back in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: It is my contention that my rights under the FFDCA have been grossly violated for the following reasons : Upon contacting the XXXX XXXX Justice Court with regards to these matters I was informed that a Letter of Settlement had never been issues for case XXXX, which was paid directly to a XXXX at XXXX XXXX by money order. 
Upon contacting the attorney of record with regards to this, the office refused to send a settlement letter and instructed me to contact the creditor. Upon doing so I was referred to the collection agency who has no record of this. 
The attorney of record attempted to garnish the co-signers income, a woman of XXXX years at the time who was on a pension and Social Security, in gross violation of the law and a gross ethical violation under Arizona State Law. 
Upon contacting the creditor and demanding my rights to deal directly with them, they refused in violation of my rights. 
Upon contacting the collection agency and trying to make payment arrangement with one XXXX XXXX XXXX, on numerous occasions, this was denied and I was informed he would only accept the full amount for the settlement amount. 
Upon contacting the collection agency and attempting to pay a [ predetermined collection settlement amount I was informed XXXX of XXXX XXXX had now increased the amount. At this time I was also informed my account had been reported to a secondary agency for renters and a settlements would affect my ability to rent in the future. I was never informed of this. 
Upon contacting the collection agency with regards to the entire amount and requesting a breakdown, I was refused and rudely informed by XXXX that he had this file for years and he knew the amounts. 
Inasmuch as my mother is also listed on this account, she had her attorney contact XXXX and he subsequently chastised me for having an attorney contact him and was told to deal with him directly. 
Upon being told by the XXXX XXXX Justice Court that the second judgement amount had to be paid directly to them, I was informed by XXXX that HE was the one taking all the funds and I was NOT to pay the court.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was the victim of ID Theft on XXXX XXXX, XXXX. The FTC Complaint form, police report and all ID Documents were sent to the loan company, and they agreed to remove the Hard Inquiry from my Equifax report. This has NOT been done. I have made countless calls to the XXXX XXXX XXXX, and Equifax with no results. XXXX XXXX has insisted they have done the electronic update twice, per Equifax instructions. Equifax has insisted they have not done this. The other loan companies and credit reporting agencies have cooperated fully, and quickly. The hard inquiries were removed by late XXXX of XXXX. This is the lone problem on any of my reports, and it needs to be resolved. I have decided the only way to expedite this action is to file a complaint with both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have put numerous disputes with Equifax at no avail. I have emails with the creditor stating that the account is closed and paided in full since XXXX of 2014 and Equifax refuses to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SOUTHERN MANAGEMENT CORP. (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Covington Credit in XXXX, TN, has been making excessive phone calls on a debt of under {$1000.00} belonging to my mother, who is in XXXX ill health, to the point that I am not responding, because when I do respond, they demand to her in spite of her ill health that renders her unable to leave the house, be left alone, or follow a conversation on some days. Today, XXXX XXXX 2016 at approximately XXXX, an associate with Covington Credit, XXXX XXXX, obtained my father 's ( my mother 's ex husband, who also has several health issues ) cell phone to call me, and used it to use threatening and abusive language towards my mother, specifically implying that she was a liar when she explained about her poor health and that for several months we had to choose between paying this debt and keeping the electricity on, and yelling at her over the phone while my father was trying to get his cell phone back from him, at which point he took my father 's cellphone out of his presence, and yelling at her, exacerbating her health problems. He also threatened police action on what is a civil matter, and demanded that she be in his office by Friday, XXXX XXXX, in spite of her repeatedly telling him that she could not make the almost one-hour trip that is physically exhausting for her, until XXXX XXXX, nor would she be able to commit to any sort of payment until that date. I am also making this report on behalf of my father, who informed him that he did not appreciate his conduct. I was a witness to this conversation on my mother 's end, as we turn speakerphone on when my father calls so that we can both talk to him. My father only only went in there to inquire as to what arrangements could be made, and to inform them that we would be in on XXXX XXXX to discuss payment. Due to the conduct of XXXX XXXX, we feel unsafe entering this business. My mother 's name will be the one appearing in the personal information field, as will my email address, as she does not have 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 10/13/2015 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Billing disputes

Complaint: This is a follow-up complaint for a recent complaint I filed in case number XXXX. Rather than start a new complaint, I 'll explain additional details under this case number. 
Today ( XXXX XXXX, 2015 ) I received a letter from Synchrony Bank concerning a credit due to my credit card account ending in XXXX. The letter states that " According to our records, your credit of {$960.00} was applied to your account on XXXX/XXXX/2015. You can find this credit on a previous billing statement. '' The letter was sent from the Customer Service Department. Having all my previous statements in hand, I know the above quote from the letter is patently false. 
I called Customer Service yet again today to ask them to explain the letter and point me to the statement that contained the applied credit. I spoke with customer rep " XXXX '' who told me that the letter was not in error-that it referred to when I opened the dispute. Clearly the letter says nothing of the sort. She absolutely would not concede that the letter was in error in stating that the credit was applied to my account on XXXX/XXXX/2015. 
Noting it was clearly futile to argue the point, it is clear to me that this is an effort to XXXX on the part of Synchrony Bank in anticipating a complaint investigation. I highly resent these tactics, given the time and consternation this has caused me in this matter. A simple " mea culpa '' admission and correcting the matter would suffice. However, to prolong such a matter in this way is despicable. 
I want to make this matter a part of my complaint and keep the record factual. I 'm attaching a copy of the letter for the record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allowed my information to be stolen in their latest hack. 

They are responsible for any and all issues that arise on my credit from now on.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Debt collection (Medical) with Rash Curtis and Associates (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have contacted the agency Rash Curtis and Associates, XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX regarding an alleged debt of {$46.00} on my credit report. I was seeking verification that the debt was mine, and if it was indeed mine I wanted to pay it. They repeatedly denied my requests to provide any verification that the debt is actually mine, and only asked multiple times if I would like to pay by debit, credit card, etc. I do not believe I owe this debt, but they are neither willing to verify the debt is accurate or remove it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Credit report has been shared with car loan company by the name of XXXX which I never applied for this has to be a mistake

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Debt collection (Medical) with Receivables Management Partners, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Emergency room physician bill wasnt paid initially due to billing error ( he was hit by a car on his bike, they billed his visit as a headache ). After speaking with the billing company and insurance, bill was paid XX/XX/2016. Equifax and other credit reporting agencies listed the bill as unpaid, after a debt collector reported it to them XX/XX/2016. I have repeatedly sent the debt collector copies of the EOB from the insurance company indicating that the bill was paid, and contacted the billing company ( XXXX ). I called the debt collector again today, who said to fax the info to them. I tried to fax it, no one answered the number they gave me. They wont discharge this on his credit report, they wont accept the fax.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Consumer Loan (Vehicle loan) with SECURITY FINANCE CORP (TN).
Issue: Taking out the loan or lease

Complaint: I have a problem on credit i have identity theft on credit report XXXX XXXX XXXX municipal Credit i told the reporting agency. Their havent anything been done about im gon na file a civil law suit

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 09/27/2017 about Checking or savings account (Checking account) with CHARLES SCHWAB CORPORATION, THE (NC).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Dear sir or madam, Summary : I have been with Schwab for 5 over years, but they gave me less than a month to transfer my retirement, brokerage, checking, and savings accounts before they close them and mail me check triggering unwanted early withdrawals and taxes.
Details : I am US citizen residing in North Carolina. Currently, I am overseas on a long-term work assignment. Earlier this month XXXX XXXXXXXX XXXX XXXX  sent a letter to me informing that they were closing all my accounts including Roth IRA, Regular Brokerage, Checking, and Savings by XXXX XXXX. Thus, the notice was mailed less than a month in advance. I did n't receive it until XXXX XXXX because I am overseas. I did not receive any other notifications from Schwab regarding this even though I am subscribed to receive e-mail notifications and all my statements only electronically. Additionally, I have Schwab mobile app installed on my cell phone. Their mobile app notifies me of most actions on my account, but I received no notification about these account closings.
Given the short time I had left, I started looking for other brokerage and bank firms to manage my Roth IRA, brokerage, and bank account assets in order to transfer them from Schwab as soon as possible. By the end of the XXXX of XXXX, I managed to initiate the transfer of my Roth IRA and found where to transfer my assets from my other Schwab accounts.
One problem was that my North Carolina state tax refund was still processing. NC department of revenue needed about 4 more weeks to finalize and deposit my refund. The refund amount is almost {$2000.00}. Mailing the check is not a good option for me because I am overseas without a permanent address. I called Schwab, explained the situation, and asked if they could keep my checking account open for 4 more weeks. I spoke with 2 different representatives. Both said they could not do it.
When I logged on to my Schwab account on XXXX XXXX, my accounts were restricted. Even though the letter from XXXX said that I could transfer my assets until XXXX/XXXX/XXXX that was not the case. I could not transfer my balance ( over {$10000.00} USD XXXX to my linked account with another institution. 

Sincerely, XXXX XXXX XXXX. 
A copy of the body of Schwab 's letter is attached to this complaint. I have the original if required.

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