milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax will not freeze my file and does not answer phone, you receive automated message and then get disconnected, the webpage does not work, I have serious concerns and I still do not know of my SS # was part of the breach ... 

Equifax has not replied to any of my requests

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had an auto loan with XXXX XXXX XXXX. I made a payment late and the company reported it to the three major credit reporting agencies. I paid off the loan several years ago, but the negative items continue to be reported to the credit agencies with no date of removal listed. I believe the negative item should have been removed from my credit reports by now. 

I have tried to resolve this problem with XXXX XXXX XXXX directly however the company ignored my request.

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 10/18/2016 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Credit line increase/decrease

Complaint: Chase decreased my credit line on my SLATE card via an email in which I could not submit a reply or dispute to. I have NEVER been late paying you AND ALWAYS pay the minimum payment. I have money in my CHASE CHECKING and BANKING alone to pay the cards in full and it is insulting this was done to me. Furthermore, I did not authorize you to check my credit. 

Increase my credit line back where it was.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Debt collection (Medical debt) with EQUIFAX, INC. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The Debt Was Paid. Total of {$350.00}. XXXX has sent letter stating PAid -in-Full. 
Equifax, and other agenices continue to report the bad debt.! 

PLEASE HAVE AGENCIES REMOVE THE LINE THAT STATES DEBT IS STILL OUTSTANDING COMPLETELY.!

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (NM).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: The company of Calgary SPV I, LCC are try to collect on an expired debt, the original date of despute of the credit card debt is XX/XX/XXXX. Original debt was with XXXX credit card. No attempt to try to collect the debt thru court action was made until XX/XX/XXXX.The company is now making a false statement that I paid a payment of {$25.00} which would change the status of the debt from expired to current and they are now filing to garnish my wages ... ..no such payment was ever made.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Debt collection (Medical) with Alorica Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A medical bill of mine was turned over to collections. I filed for medical assistance and everything on my account was credited including the account sent to Global Receivables. I have contacted them several times and sent the credit notice to them, along with a copy to XXXX and XXXX and I can not get it removed from my credit report even though I have sent them all copies from the hospital that I do not owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Debt collection (Non-federal student loan) with TRANSWORLD SYSTEMS INC (SC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: The debt collector sued me in local court and obtained a judgement lien which has been placed on my home. This home is the only property I own. A notice was given to me informing me of the suit being initiated against me. Within my state of SC, the statute of limitation for filing a judgement on a non-federal student loan is 3 years. My understanding was that the court would not grant the lien because the statute of limitation had expired so I did not respond. However, the local court did grant the lien. I later found that I had to present my case regarding statute of limitation in court. My question is, Is it legal for a debt collector to seek a judgement claim even though the statute of limitation for doing so expired? 

Does this fall in the category of unfair or abusive debt collection practice?

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In my Complaint # XXXX that was filed with CFPB against Hunter Warfield, the company responded by sending a copy of a rental contract and final statement. Neither of these have my last name only my first. This is not a validation of debt owed. My name is very common.
This rental contract is XXXX XXXX not Hunter Warfield.
Hunter Warfield does NOT a business license in the State of Alabama to conduct any business or to collect any debts. I request that this debt be removed from all 3 of my credit reports.

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 06/22/2016 about Debt collection (I do not know) with Midwest Recovery Systems (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am trying to rebuild credit due to a divorce and get copies of my credit report on a regular basis. Yesterday a collection popped up on my account from a place called Midwest Recovery for {$1000.00} it says was opened XX/XX/2016. From XXXX XXXX XXXX. I have not any loans with any of these people. I have not received any communication of any form from this company but yet they put something on my report. I am in the process of disputing with the credit reporting agency as well. But this is not fair. This is not my bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Consumer Loan (Vehicle lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MI).
Issue: Shopping for a loan or lease

Complaint: I purchased a XXXX Chevrolet Silverado from XXXX XXXX XXXX in XXXX, OH on XXXX XXXX, XXXX. I recently pulled my credit report and I am shocked to see multiple hard inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit reporting () with EQUIFAX, INC. (ME).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This is with reference to XXXX XXXX & XXXX. My wife and I bought a XXXX XXXX from the XXXX. We took delivery following the accident that we were in back in XXXX when we were hit by XXXX XXXX in the XXXX XXXX XXXX accident. Per the Maine XXXX XXXX, Source XXXX and all Credit agencies to remove ALL negative credit reporting pursuant to XXXX XXXX malfeasance. To date, this has not been done. The Credit bureaus were under the direction of the Maine XXXX to remove information and did not. They can not claim that they did not know or were unaware of the expectations that were placed on them. I want the, Credit Bureau to remove all reporting from both my wifes report as well as my own.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Debt collection (Other debt) with Universal Fidelity LP (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A business called XXXX XXXX XXXX XXXX sent me to a collection Agency named XXXX XXXX XXXX Director XXXX XXXX.They dont pay attention at my letters.The bought items were a fraud a fake.Send them back to company.Look different than the pics.I returned them after 30 Days asking for a refund.Nothing was done! Nothing.Now they are killing my credit reports.We are in Chapter XXXX paying all our bills on time.This is negligency on the collection Agency .This must be fiscalizar and STOP. Is a fraud.Please help me stop their reporting to the credit Agencies.This is wrongdoing.Due to the lack of sales we filed chapter XXXX and we r working 24/7 to get off our debts and start our business.Please stop fraud.Thank you so much.Sincerely, XXXX 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 09-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: About 1 month ago I called US Bank to inquire about a balance transfer offer I receive through their XXXX card. I was told the best way to use a check. I was mailed 10 checks and I used one of those checks and deposited {$12000.00} into my checking account. I paid {$360.00} ( 3 % ) in fees. I asked the agent 3 times if there was any interest involved and I was told that as long as I ay the minimum payment there are no interest charges until XXXX XXXX. Yesterday XXXX/XXXX/XXXX I noticed an interested charge of about {$130.00}. I called US Bank and I talked to supervisor XXXX where I protested the interest. I was told that it would take 2 weeks to decide if it was a bank error. I am very surprised, I was interested in the 0 % balance transfer and nothing else. I need help with this situation. This kind of balance transfer does not offer me any benefits.

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 07-11-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: After months of having written several letters to Central Financial Control, I received a letter dated XX/XX/XXXX stating that I agreed to accept financial responsibility for medical services provides by XXXX XXXX XXXX XXXX. No where in the information provided was my signature. There was a signature by my wife but I never authorized her to sign on my behalf. Therefore the debt is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Hello, we have contacted XXXX XXXX as well as the credit reporting agencies to removed the XXXX 30 days from our accounts, from my credit report as well as my husbands XXXX XXXX 's. It is a joint account. 
Our Issue is, We called in for a payment option. Ready and willing to make the payment on time that day. After speaking with one of the customer service members I called in. I was given the option to pay {$1900.00} on XXXX XXXX, 2016 and {$2900.00} for XX/XX/XXXX and XX/XX/XXXX. I was told that I would receive paperwork in the mail but that all I needed to be aware of was making the first payment on XXXX XXXX, 2016 so that the payment plan would not default. The payments have been made as directed and are not considered late. Though they are reflecting on our report as late. The agent did not advise us that by choosing this plan it would effect our credit score and or show up as late on our credit report or we would not have chosen this option. I feel it should be told to you by XXXX XXXX customer service who suggest this plan that if you do choose it t could negatively impact your credit report for 7 years. This would have drastically changed are decision towards this payment plan. When we called to explain to XXXX they said the representative would be reprimanded but they could not fix the error. We advised we were in the middle of a home sale and or refinance and something of this nature could drastically effect that. We have paid on time for 3 years to XXXX XXXX, never missing one payment. By choosing the option they suggested as a payment break up it now shows we are 30 days late not on time and completely effects our future situation on home buying as well as character. I feel it is fully unethical on chases part to not advise you of this when they are suggesting " Options. '' I am in the middle of a re-finance and can not move forward because of this negative impact on my credit score that was never disclosed to me when I accepted what the agent advised me on XXXX. Can you please remove this from our credit score? I Greatly Appreciate you taking the time to do this. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am questioning account number  XXXX  with LVNV Funding due to the fact that I have sent several dispute letters to the credit reporting agencies and it comes back verified every single time. They are claiming that I owe {$400.00} to  XXXX   XXXX  on my credit report.   XXXX  I have contacted LVNV Funding to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX XXXX XXXX XXXX has stolen my identity they are stating that I have a mortgage loan out with them since XX/XX/XXXX. They have not submitted a collateral accounting as I requested and they have not replied to a QWR that I have submitted to them certified mail XX/XX/XXXX. They are fraudulently trying to debt collect on a purported mortgage loan. They need to remove themselves from my credit report ASAP and they need to STOP sending me fraudulent paperwork. I expect you THE CFPB to handle this as they are still harassing me with fraudulent paperwork. I will be filing a complaint with the SEC .GOV as well! This purported debt was rescinded and closed out by XXXX  XXXX XXXX a/k/a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (AZ).
Issue: Closing on a mortgage

Complaint: In XX/XX/XXXX we started the process of purchasing a short sale HUD home from Chase Bank at XXXX XXXX de XXXX, and during this time we learned that the sellers insurance funded money for a new roof to be installed for the amount of {$7600.00}. XXXX XXXX and XXXX was the third party assisting with the purchase and process of the roof funds for the roof installation. 
Attach is in the correspondence between the seller, Chase Bank, XXXX XXXX, the XXXX XXXX, and us. 
There are several e-mails going from Chase Bank to XXXX XXXX, for the roofers credentials and other items in the attach e-mails. 
This process continued beyond the close of escrow on XX/XX/XXXX. On XX/XX/XXXX the third party helping us at XXXX XXXX notified us that she was locked out of communication with Chase Bank and Chase Bank no longer would recognize her as a third party in this transaction. We soon found out that the funds for the roof were applied to the prior mortgage of the seller.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Mortgage (Home equity loan or line of credit) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Settlement process and costs

Complaint: In XXXX XXXX processed a home equity loan in the amount of {$60000.00} without my knowing it. I was married at the time and did not know anything about the home equity until it was discovered I XXXX. This disclosure ended in divorce and me having to refinance my home to incorporate this debt. However, my ex would not tell me how this {$60000.00} incurred. A few months ago, I found the documents in a lock box. My name was blatantly forged on all documents submitted to the bank and the {$60000.00} check was made payable to my ex only. I want to know how this happened. I never knew about 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 02/28/2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: My deceased mother continue to recieve mail and correspondence From CitiMortgage , Inc in regards to an alleged Mortgage : Please se CFPB Case # XXXX XXXX, XXXX & 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 04/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Enhanced Recovery Corp is reporting XXXX accounts on my credit report that do not belong to me. I have disputed these items several times. I have submitted fraud affidavits. In dealing with other companies I became aware that I must have been the victim of identity theft. A look-up of my names generates several different name and social security number combinations. I am requesting that Enhanced Recovery Corp delete accounts XXXX for {$1500.00} and XXXX for {$200.00} from my credit reports with all of the national credit reporting agencies. I would like this company to also cease all contact with me regarding these accounts that do not belong to me.

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 12-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Prince Parker & Associates (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX has provided more than XXXX phones free over 12 years as a customer. I negotiated XXXX phones at XXXX for free and as a gesture agreed to add a XXXX line which was not needed. XXXX XXXX XXXX pushed a Free Tablet which I agreed to as well. When XXXX XXXX came with Tablet [ both free ] XXXX XXXX XXXX made error and sent XXXX of each. Being honest I sent both back and said never mind I do n't need tablet or XXXX line because they were reneging on free phones. Then they said we 'll give the free phones and issued credits to get me to stay. Long story short, CS Reps verified I was promised XXXX free phones but when {$40.00} of charges for the XXXX line and tablet went on my bill and XXXX XXXX XXXX would not credit me, I said I would take them to Small Claims Court and get triple damages. It was illegal since I never accepted the products. After that someone from executive offices said I was never going to be credited for the charges ... I had already been given enough credits. But they were all deserved for other reasons! It was CRAZY! Anyway, the only way to teach them a lesson was to discontinue the XXXX XXXX XXXX service and so they placed XXXX of the phones costs on my bill and I was forced to pay it or I would not have been able to leave with my special phone numbers. So I did pay and then disputed the charge with my bank, because of how they took my credit card. The XXXX banks agreed that I had been defrauded and charged XXXX XXXX XXXX back. Now they are using an un-reputable firm calling with harassing calls to collect for a phone that is not owed monies for. I have contemporaneous and copious notes backing up what I claim and multiple XXXX people on chat logs telling me I was getting XXXX free phones. I hope you will be able to stop this madness in light of XXXX XXXX XXXX trying to get bigger by acquiring XXXX XXXX which should never be allowed. They want {$760.00} from me to help defray the cost of the {$85.00} XXXX! Thank you ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (AL).
Issue: Application, originator, mortgage broker

Complaint: A collection company is foreclosing on my home illegally. The loan for our home is paid off in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 'm filing a complaint because Equifax has not provided me with the documents that their company has on file to validate and verify accounts I requested as I do not recognize those accounts. Please resolve this issue ASAP. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (HI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a credit card with Citibank with the credit limit of {$9000.00}. Yesterday XX/XX/18 i requested a credit line increase to {$15000.00} through the mobile app. Citibank shortly approved the credit increase to {$15000.00}. I checked my credit report and found out that Citibank ran a hard inquiry that same day on XXXX  which resulted in dropping my credit score down. I did not consent to a hard inquiry nor was I notified that a hard inquiry would be made in response to my credit line increase request.

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 02/20/2018 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 have tried to initiate 2 separate disputes and Equifax will not investigate. I have the return receipt from the USPS where my letters were delivered to Equifax. They are also reporting incorrect information and refuse to even look at my proof. This has been going on since XX/XX/2017.

Company response to consumer: Closed with explanation