milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-04-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experianis reporting XXXX from my credit report its not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was sued in small claims court in XX/XX/XXXX for additional payment for excavating work. The County Court Judge 's decision halved the claim from approximately {$2200.00} to {$1100.00} in favor of the Plaintiff. I took the case to XXXX and had the amount reduced further to $ XXXXXXXXwith the plaintiff paying the court costs. I paid the plaintiff {$700.00} in XX/XX/XXXX which resolved the case. A copy of the court order disposing the case is enclosed. Theser reports should follow up on court cases until they are resolved not list them forever in their credit report even though they have been resolved

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed the balance with Transunion and   XXXX   XXXX   several times. My balance for a vehicle that was included in bankruptcy is still showing as  XXXX . My balance should be {$0.00} due to discharge of a bankruptcy where the the balance of this vehicle was included. I am requesting them to update this amount to {$0.00} immediately it is affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/30/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Account opening, closing, or management

Complaint: My Chase checking account was suddenly " blocked '' XX/XX/XXXX with no prior notice, which I did n't discover for over a week. They told me it was because they needed additional information. I asked why I was n't contacted to ask for the information. They said they mailed me a letter XX/XX/XXXX. I never received a letter. At first they could n't find a date or any other proof that a letter was sent. Upon further research, they discovered it had been sent to an address I have n't lived at for 2 years. I had updated my address a long time ago, and they indeed had it on file, and I have received other correspondence from them. No reason was given why they sent it to an old address. I went into a branch and answered all the questions that were asked. It took a day to unblock the account. A week later, it was blocked again! I was told it was because they needed additional information because the account was in a trust. Why did n't they ask me all the questions the first time?!? Again, no prior notice of the account being blocked. The banker at the branch told me he asked all the questions that appeared on his screen. He spoke on the phone with corporate, and neither one seemed sure of what the requirements were. Nobody ever answered why these questions were necessary, just that it was " Chase policy. '' Upon talking with my financial advisor, I discovered it was due to a new regulation that all banks have to adhere to. Chase never told me this. I wanted to close the account, and was told I could n't do so until the account was unblocked, which would take a day or 2. It has now been unblocked again, I have already been charged one fee ( which Chase reimbursed ) for a payment that bounced back because the account was blocked. I do n't know yet if there will be others. 
How can they just arbitrarily block people 's accounts with no notice?!?

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/22/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: For some time now, Midland Funding , LLC has been reporting XXXX accounts to the various consumer credit reporting agencies as past-due or in collection. The XXXX account shows XXXX XXXX as the original creditor, account number XXXX ( partial ) and the other shows XXXX XXXX XXXX ( account XXXX ). 

I have sent several dispute letters to Midland Funding at the address they report on their XXXX and XXXX tradelines, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I have not received any response to my inquiries or disputes. I believe I now know why -- apparently the address they list for themselves in their reports to the credit bureaus is n't even their real address. I recently received my last piece of correspondence stamped " RETURN TO SENDER -- UNDELIVERABLE AS ADDRESSED. '' As of XXXX XXXX, 2016, Midland still shows ( I checked ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX as their address on both their XXXX and XXXX reporting. 

While I 'm not an expert on consumer-protection law, I do know that debt collectors like Midland are required to report and communicate only accurate information, and I would think this includes things like their own address. Further, I think this buttresses my point that if Midland ca n't so much as report their own address correctly to the credit bureaus, the data about individual accounts and debts is likely to be wrong as well. In my particular case, the amount showing as supposedly owed to XXXX XXXX is more than double what the original creditor had showed. I also have no clue what the XXXX XXXX XXXX debt relates to. 

I would like for any response to be in writing only, so there will be record of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: " Equifax, one of the three major consumer credit reporting agencies, said on Thursday [ XXXX XXXX, 2017 ] that hackers had gained access to company data that potentially compromised sensitive information for 143 million American consumers, including Social Security numbers and drivers license numbers. '' - The XXXX XXXX XXXX ( source : XXXX XXXX XXXX XXXX  ) Equifax had a significant data breach and when they offered their service of free credit/ID protection/monitoring for a year, they had an arbitration clause in relation to TrustedID Premier in which, to access this " free '' service, we have to sign away our rights for any potential future legal proceedings with Equifax that may arise ( source : XXXX XXXX XXXX XXXX XXXX ) To add further instult to injury, the dedicated data breach checker set up by Equifax at https : //www.equifaxsecurity2017.com is largely useless and seems to be giving a pre-determined response. It appears that they do n't really know who has been impacted ( source : XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I signed for a loan, signing my mother 's name ( XXXX XXXX ) as a co-signer. I informed Navient that my mother never new of the loan. My mother saw XXXX accounts for Navient listed on her credit reports twice. She was extremely upset and I did admit it was XXXX loan not XXXX and I informed her it was for a third less than the amount in which she indicated. They have XXXX account as XXXX for the amount of {$63000.00} and account number XXXX for the amount of {$71000.00}. I do not know why they have the loan listed twice, it was only XXXX loan and it was no where near the amounts they have listed. She contacted the company several times and informed them that they had a mistake on her credit reports, they indicated she co-signed with me, She informed them she did not, she never knew anything about a loan, which I confirmed that is the truth. They are aware as she has also filed complaints and they still want to hold her liable for a loan she never authorized. She contacted me in which I apologized, during that time my father and brother were battling XXXX and I did not want to ask, but I did not have any right to sign her name. She informed me that I better contact them because she could not be held liable. I finally notified them over a year ago that she was n't the party who signed for the XXXX loan and informing them that my mother knew nothing of the loan and is n't responsible. They still have not removed these accounts from her credit reports. They have overcharged and imposed excessive fees and added an additional account that I never had.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I made several complaints about negative items reporting on my credit that are fraudulent and should be removed permanently from my file yet I haven't heard anything in response to my demands in months. This is outrageous and I demand this be rectified immediately as it is damaging my ability to obtain new credit. I had a change in address and provided the supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2017 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: Credit inquiries on your report that you don't recognize

Complaint: my Identity was stolen and personal information was compromise. I filed a police report with my local police Office, including the federal trade commissioner, I also set up a fraud alert with all the  XXXX  credit Bureaus, ( Equifax,  XXXX ,   XXXX   ) I contact   XXXX   XXXX   but they could not trace any information. neither they would able to help me the issue please refer to credit report attach, I have tried to fix the problem with the credit bureaus but no luck please see Equifax response.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Loan servicing, payments, escrow account

Complaint: It has come to my attention that Nationstar Mortgage will duck and dodge additional principal payments. 
I have made additional payments towards principal which were auto canceled without any notification. My account is in good standing and I have never been late. I have screen shots of the payment confirmation and I can prove the payment was not deducted from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
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 contacted Equifax dating back to the end of XXXX. Disputing the multitude of discrepancies on my credit report. I HAVE contacted each entity that has fraudulently ran my credit and they were unable to verify any history of me consenting to such. I hold NO card, mortgage, nor debt with these entities and this run around with Equifax has become tiresome and a blatant violation of the FCRA. I have called multiple times a day seeking retribution only to be met with a complete disillusion on their end as to how the reporting process works. The bureau plays oblivious to the wrong doing and the agency who falsely ran my information in turn tells me to contact the bureau for the correction. The back and forth is asinine. I have already had to dispute my own identity with the INCORRECT birth-date and misspelling of my name and yet me telling you I did not authorize the inquiries is baffling. You do n't have the basic information entered properly! I did NOT consent to the inquiries on my account and an immediate resolution of DELETING these inquiries needs to be met. See below for the inquiries I did NOT consent to ; Inquiry : XXXX XXXX ; XX/XX/XXXX Inquiry : XXXX XXXX XXXX ; XX/XX/XXXX Inquiry : XXXX XXXX ; XX/XX/XXXX & XX/XX/XXXX Inquiry : XXXX XXXX XXXX ; XX/XX/XXXX Inquiry : XXXX ; XX/XX/XXXX Inquiry : XXXX XXXX XXXX : XX/XX/XXXX Inquiry : XXXX XXXX XX/XX/XXXX Inquiry : XXXX XXXX ; XX/XX/XXXX Inquiry : XXXX XXXX ; XX/XX/XXXX Inquiry : XXXX XXXX XX/XX/XXXX Inquiry : XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Debt collection (Credit card) with NCB MANAGEMENT SERVICES INC (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have received multiple calls from an agency claiming to be a debt collector. I do believe they could be but have yet to have them identify themselves in any way other than over the phone. They seem to have my name and now *definitely* have my address and month and day of birth. All I have is a phone name, phone number, address and repeated requests for my banking information. I also have him accusing me of not being willing to work with him to resolve this debt. I tried several times to get him to understand that I would not be giving him any banking information over the phone and he jumped right to me refusing to work with him. I think he finally understood that I was going to set up an automatic payment to his company via my bank. I did ask him to prove to me that he was indeed who he said he was and that he was with a legitimate debt collection outfit. He offered me a phone number to XXXX XXXX XXXX instead. At some point I told him that I was aware of the Fair Debt Collection Act and that he should read it. He also insinuated legal action in an earlier call this morning as well as after I told him I would not be setting up an automatic withdrawal through his outfit. I told him again to send whatever information he wished to me via XXXX again. He then insinuated legal action by saying that if the XXXX of every month was good for me he needed to give me an extension to avoid legal action. After more of this, I told him things were getting weird and that we were done speaking. 

I get that I owe money. I, like so many other Americans, have fallen on some really XXXX hard times. I am proud to say that I have not had to resort to going back on XXXX AND that I have a freaking job FINALLY ( XXXX! ). I am a single, now-working-dad living at home with his XXXX year old Mom. All this after a crazy-making contentious divorce. I am trying to get my life together and having additional and unnecessary drama created in so doing ai n't helping me OR untold numbers of Americans. I honestly hesitate to even file a complaint because I am and have been quite discouraged with how much ever day normal people have to contend with from a lack of any protections. I want to do the right thing. I am trying. And I almost fall for what could be a total scam? For the love of giving the people a bit more power than we are lead to believe we have, DO SOMETHING. I am lucky as I have learned through, quite honestly, bad choices, to advocate. And I am trying!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Debt collection (Auto debt) with Westlake Services, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX  in response to the letter I received from the bureau s tating WILSHIRE COMMERCIAL CAPI updated this account reporting it NEWLY CHARGED OFF WHI CH IS A VIOLATION OF FAIR CREDIT REPORTING ACT ... THEY ARE REQUIRED TO REPORT ONLY ACCURATE INFORMATION IN THIS CASE THEY ARE IN MULTIPLE VIOLATIONS ... WHICH IS WHY CFPB HAS BEEN NOTIFIED. NEXT COMPLAINT IS GOING TO FTC IF THIS ERRONEOUS ACCOUNT IS NOT REMOVE FROM MY REPORT IMMEDIATLEY ...   THIS AUTO LOAN PAST DUE AMOUNT WAS PAID IN FULL BACK IN   XXXX  . NOW THEY POSTED THIS ACCOUNT ON THE CREDIT REPORT TO ALL  XXXX  BUREAU WHICH DROPPED MY CREDIT SCORES AND NOW I 'VE STARTED TO RECEIVE COLLECTION CALLS FROM THEM ATTEMPTING TO COLLECT DEBT THAT I DO N'T OWN IN FIRST PLACE, WAS PAID OFF AND IS OVER  7 YEARS OLD ....

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Debt collection (I do not know) with Alorica Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company called " West Asset Management '' entered my phone number into an autodialer simply based on the similarity of my last name ( a common name ) to that of the debtor they were trying to locate. 

The autodialer voice prompts include an option to indicate that the debtor can not be reached at this number, but that prompt has been XXXX or is not functioning. 

When called back, an agent refused to identify himself or the company her represented. When called back again, an agent did identify their company, but refused to acknowledge they were a debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Debt collection (I do not know) with Premier Recovery Group (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received calls for several months XXXX saying I owe money from a debt, or old payday loan, or a bad check. They will not give me information unless I give them my social, and other information. I do not owe late/unpaid money to anyone, have never received any notice by mail, and my credit report is clean. They have threatened arrest, subpoenas, and are now calling my parents and siblings. They almost always have a different phone number to call or that they are calling from. They will not give me their address, or the company they are " arbitrating '' for. Their calls get increasingly hostile and their voicemails state that if I do not resolve it they will render a decision against me. I keep telling them to do that since I owe no money, but still they call stating the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Debt collection (Medical debt) with Jon Barry and Associates, Inc. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A dispute was placed on a credit report regarding a medical bill that my spouse owes. I contacted the company and they informed me that this was a medical bill that my spouse owes and it is now my responsibility. I informed the lady on the phone that my husband XXXX away and she stated the bill is now my responsibility. I live in Mississippi an and it is not a community property state. I did not sign or agree to this debt and hold no obligation to repay it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-09-2015 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (WA).
Issue: Account opening, closing, or management

Complaint: I have a Citibank bank account XXXX checking ) and credit card and ATM/Debit card. I travel. Every 5 years when my ATM card expires Citibank disconnects me from my on line banking, until I enter information from the NEW ATM card that they sent to me. But I am traveling and I did not get my new ATM card yet as it went to my mail forwarding service. So I can get it if I call my service and ask them, to package up my mail and send it to me here in Maine. However receiving mail where I am in Maine is not too secure. Please note that no other bank that I use DISCONNECTS me from my on line banking every 5 years when my ATM card expires, and usually I am not at a place to receive the new ATM card as I travel.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Mortgage (FHA mortgage) with AmeriHome Mortgage Company, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: AmeriHome Mortgage XXXX XXXX XXXX XXXX XXXX XXXX did n't escrow private mortgage insurance ( PMI ) on my loan since the inception of the loan which was 2.5 years ago. Now the company is claiming that we owe them PMI premiums for the past 2.5 years. They have put our esrow account in a negative standing and have increased our mortgage payment by over {$400.00} to cover the escrow advance. I have never gotten a written response or an explanation from the company on why they have done this. I have had numerous unsucessfull phone callls with them. Person on the other end of the line was never willing to help or able to help. I was always told that someone from their " escrow dept '' will call me w/in 5 days and I never received a call. I have sent XXXX certified mail letters and have never gotten a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Law Offices of Gerald E Moore & Associates, PC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Original creditor, which is XXXX, turned unresponsible debt over to XXXX XXXX XXXX, in which sold the debt to, now Gerald E. Moore and associates, who are now threatening to take me to court in 30 days and they told me to get a lawyer to represent me. I already have a case being looked at by you. That case number is XXXX regarding XXXX and XXXX regarding XXXX, who they first turned it over to.

Company response to consumer: Closed with explanation