milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-08-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am the author and owner of all communications withing this complaint. I do not agree to allow this complaint to be managed outside of the portal. 

My Credit report currently has " XXXX '' reporting inaccurately, and in an incorrect manner. 

I dispute the validility of this account/Tradeline. 

1. The " Type of Account '' says NA, and should be " Revolving/Option '' 2. There is no Payment History in this account - and there should be as this account was opened for over 3 years 3. There is no Balance History in this account - and there should be as this account was opened for over 3 years 4. Because this account has no Payment History, please verify its Status/Major Delinquency date 5. Because this account has no Balance History, please verify its Status/Major Delinquency date 6. This account has no Activity Designator, and should as this account is Closed Please Validate this Tradeline, and resolve the errors - or Delete this account. 

Please provide a printed report, when resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Other financial service (Debt settlement) with Brelvis Consulting, LLC (VA).
Issue: Fraud or scam

Complaint: my fiance enrolled in this program being told that it would help him, all that. we attempted to cancel the service before the service they " offer '' was ever even rendered. we were told twice that his " contract '' does not allow him to cancel the service. i called one of the offices and they said it would be fine just call the other office, the woman i got was not helpful at all. without actually having the proper paperwork completed, they proceeded to work on my fiance 's behalf. we asked for a manager more than ten times all the while being told that we can not in fact speak to one and that she would be the one who would answer my questions. she then proceeded to explain to me that cancelling was not in their policy and that they could not because it was in the " contract ''. when i asked her to read to me where it said i could not cancel, she stated the refund policy. we do not want to be refunded, we just want the cancel from there forward. the contract states multiple times that this would be in effect until cancelled by me or the servicer. but she kept telling us that we could not cancel the service because it was being rendered anyways, even with us trying to cancel two times before hand. she even proceeded to mock me while on the phone with the tone of her voice and told me at one point when i asked another question, she said, " no, i asked you first '' like a child. this is the most unprofessional group and the biggest scam i have ever dealt with in my life. when i told her i would contact the bbb she hung up on me and told me not to call back. i have the entire thing on recording. she fought with us and told us that we were obligated until XXXX. DO NOT USE THIS COMPANY IT IS A SCAM. also, around page four of the " contract '' it is stated that the term of this agreement was in effect until four different outcomes have happened. one of the outcomes was that the client did not give all of the proper paperwork, which we did not submit due to the fact that we tried to cancel twice before, therefore, because of the contract, and us not " properly completing '' the paperwork, this service should be cancelled anyway. they have also stated that they have no record of us calling before to have the service cancelled, which is convenient. this service is something that our servicer for our loans has explained is a service that is free that we can do our selves and to charge {$990.00} to do something we tried to cancel before hand, is outrageous. and the way that woman spoke to us and then hung up. i am a little more than really outraged.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WV).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient does not report to the credit bureaus on a consistent basis. I have been making automatic, ON-TIME payments to them since XX/XX/XXXX, and they reported those good payments from XX/XX/XXXX to XX/XX/XXXX. Then the next year, to XXXX, XXXX and XXXX, they reported my XX/XX/XXXX payment and nothing else the rest of that year. In XX/XX/XXXX, there were no payments reported until XX/XX/XXXX. They did report XX/XX/XXXX, and so far I do see that XX/XX/XXXX has been reported on time. I am asking that they report my on-time payments from XX/XX/XXXX and XX/XX/XXXX to the bureaus for me so that I may continue to build and improve my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I forwarded to Equifax a copy of the ID Theft report as well as a detailed letter outlining various accounts which are not mine and are a result of ID Theft. The credit reporting agency ( XXXX XXXX and other staff in the Executive Services ) took my information and treated my ID theft report like a normal dispute rather than treat it as ID theft and failed to block the information from my report within five days under FCRA 604b. I contacted XXXX several times over a month and she said that she will not block any information from my report and that the creditor has 45 days to respond and if they verify the accounts will remain on the report. I told her I would like to invoke 604b and she said that she will not do anything under 605b. I also reconfirmed that they had receipt of the ID Theft report and still they participated in willfull non-compliance. I also asked for the verification method used and they did not provide this, I then asked for the exact proof such as an application or any other hard documentation and Equifax did not have a hard copy of anything to provide to verify the validity of these accounts. Ithen asked for physical proof and not just a computer automated response and again Equifax could not provide this. Equifax seems to be going on a computer generated system or the word of a person rather than hard physical proof such as loan documents or any other hard proof and thus they are incorrectly reporting negative infomration. The lawyer I consulted with said that Equifax must provide proof at this time and that proof must be documents and not automated documents. The documents needs to show signatures of the consumer to show that any reporting is that of the consumer. Further more, there are several accounts that I have been battling over in this Identity Theft for seven years and yet these accounts are still on my report, this is clearly a violation of the 7 year rule. I infomred them that I never received any result to date, however, the items that are not mine and were part of the ID Theft report and claim to ID theft are as follows : XXXX XXXX, XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX, XXXX ( XXXX ), XXXX ( XXXX ), XXXX XXXX and XXXX XXXX. Each time I contact Equifax, there are a million and one excuses. There are even several inquiries which are not mine and I identified them to Equifax, however, there excuse is whether or not they were authorized that they are still going to remain on my report. Equifax clearly violated the FCRA and I was infomred by an attorney to make this complaint to add to the three years of documentation I have against Equifax for willfull non-compliance. This is the last straw before legal action is taken and this according to the attorney will serve as proof that I officially complained through a Government agency. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I opened a account with XXXX on XXXX XXXX paid all bills until XXXX XXXX when I had to leave my home due to forclosure. I requested to have my services cut off in XXXX of XXXX I was on a payment plan.they sent a final bill for XXXX in XXXX. In XXXX it was sent to a collection agency XXXX services I paid the bill on XXXX XXXX XXXX. Then I received another bill from a different collection company saying I owe XXXX. I paid my last bill and closed the account. Now XXXX have reported XXXX accounts on my report XXXX opened in XXXX XXXX and XXXX in XXXX XXXX. I have disputed this several times with experian but as of now the account opened on XXXX XXXX was removed, but where did the other account come from opened in XXXX XXXX. This account should be removed I do n't owe dte anything. How can I have XXXX accounts for the same address.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/24/2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: it started 9 months ago when both my wife and I both had fallen XXXX. My wife nearly XXXX and I almost had a XXXX We fell behind on payments lost XXXX our vehicles and now we started a loan modification in which Wells Fargo deinied after we went through hoops to complete and was never complete by their standards. But no forebearance was offered to me by Wells Fargo for my past VA home loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Student loan (Non-federal student loan) with AES/PHEAA (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I was contacted by American Education Services on XXXX consecutive days before XXXX. The XXXX day was contacted at XXXX and the XXXX day at XXXX XXXX. I called back on the XXXX day and talked XXXX guy that was rude and was stating well thatis what happens when you are delinquent. I asked to talk to a supervisor who was equally not helpfuul and was telling me that they are in Pennsylvania and they are XXXX hours ahead of my local time. So she said they had no control over the automated calls.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax report shows : XXXX debt in collections {$370.00}. Debt was paid XXXX/XXXX/2015. Need item removed from negative status.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with A & S Collection Associates, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The Owner of the company I work for was sold an advertising product from " The XXXX '' They made multiple unauthorized charges to his account under different names. He canceled payments to the unauthorized charges. They said they sent it to collections. We called the number on the XXXX web page and they said they were A & S collections. We told them the charges were fraudulent and they called us repeatedly over and over even after we told them it was harassment. they yelled at us to shut up. They told us they were going to take us to the supreme Court. We told them to go ahead and they continued to call us. The phone number from the A & S collections website takes you to XXXX students hotline. The web addresses are : XXXX and XXXX The phone number listed on Insulation network is XXXX The phone number of the individual that repeatedly called and harassed us is XXXX She said her name was XXXX The phone number listed on A & S collections page is XXXX which as I said is a phone XXXX. They also pretended to be a different company having to do with spray foam with a different number and it was the same person on the phone that number was XXXX and the website for that one is XXXX

Company response to consumer: Untimely response
Consumer complaint received 09-06-2016 about Bank account or service (Checking account) with PNC Bank N.A. (IL).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX, I received an email from Simply Be/XXXX notifying me that PNC bank had paid them {$10.00} and the payment was processed successfully. I called XXXX bank and wrote to them online asking how a payment could be made from a closed bank account. Today is XXXX XXXX, 2016 and XXXX XXXX ( my payee ) closed her bank account on XXXX XXXX, 2016. I have no SSI check for the month of XXXX. When I called Social Security, an agent informed me that I do not have a check because PNC bank is holding my SSI check in the closed account and she did n't know what i should do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: several attempts asking for validation with no results. they continue to place this blemish on XXXX out of XXXX reports and at this point it is becoming harassment and slander. I do not own a home but I am trying to purchase one and I have never had any utility bills in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Debt collection (Credit card) with Account Outsourcing Group, LLC (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: 1st called me on my cell, made arrangements to make a payment 1st payment was made XX/XX/XXXX, which bounce back but also made two pay arrangements XX/XX/XXXX which this ladies has my bank information and theirs funds in, but they never took it out which I do n't understand but the this hole time they been calling me, my job server all times, I 've asked them to stop calling my job, since I work in retail and a cashier, taking care of customers I put this lady on hold and somthing happen, then my boss is asking who keeps calling, so that I got into trouble n I 've been repeatly told her that I 'm busy I ca n't take personal calls or I 'm going to get fired. She kept saying yelling at me and going on, and on, and on why I ca n't handle it right now or she kept asking when to call back. She ask why I do n't pick up or call back? And when I do call back their number does n't even work. So I do n't understand that on their end. I work both jobs, a mother, and I have a sick mother in the hospital, plus I do n't carry my phone all the time. I have to take care of my customer first. But kept asking personal question to why I do n't answer. If they have my info and bank account to take the money I do n't understand why this lady keeps calling about. Just take their money

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 11-07-2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is a Formal Complaint Against Equifax. 

You are reporting inaccurate credit information. 

XXXX XXXX COLLECTIONS INAlert Date : XXXX : EQUIFAXCompany : XXXX XXXX COLLECTIONS INPayment Status : UNPAID ( UNPAID ) Status Date : XXXX : $ XXXX Date : N/AAddress : XXXX XXXX XXXX, XXXX, WA XXXX XXXX therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

The listed item is entirely inaccurate and as such represents a very serious error in your reporting. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information ( XXXX XXXX XXXX XXXX ). 

Please know that you have 30 days to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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 an inquiry from XXXX on my credit report. I never authorized this. I have a fraud alert on my account and I am to be notified when my credit is pulled. I was not contacted. I have contacted XXXX 3 times. When I provide my social security number, they aim to not be able to locate me. However, their inquiry remains on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/23/2016 about Mortgage (Conventional fixed mortgage) with Jersey Mortgage Company of New Jersey, Inc. (NJ).
Issue: Settlement process and costs

Complaint: Two ( 2 ) working days before my closing date, my Mortgage Lender, Jersey Mortgage Company, changed my interest rate from 3.625 % to 5.125 %. I requested a complete verification of such impacting change ( over $ XXXX over the course of the loan ). But Mortgage Lender was not willing to correct the issues. Only a small credit was issue ( {$690.00} ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Unauthorized inquiry. On  XXXX   XXXX  I expressedly did not authorize a hard inquriy on my credit report to  XXXX   XXXX   XXXX   XXXX   XXXX , nonethless my report shows a hard inquiry which affects my score. This contradicts my command and the expressedly stated by the company representative " It is not a hard inquiry on your credit report ''.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Original company : XXXX XXXX XXXX ( {$260.00} ) Debt collector : XXXX XXXX XXXX  Reason : Fraudulent Account I never open credit card with XXXX XXXX in 2015.

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 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There was some fraud made on XXXX XXXX  XXXX as someone tried to make accounts under my name. XXXX XXXX XXXX said they would tell transunion to remove the following the hard pulls as I did not authorize them. Transunion also said they would remove them. Both companies have nothing removed them and they are still on my file. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/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 03-09-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Google Compare Credit Cards Inc. (FL).
Issue: Problem adding money

Complaint: Card was previously added to the XXXX payments center to keep on file for digital purchases. Subscription service was linked to card thru XXXX. Renewal time came around and card had expires as I forgot about the subscription from a year ago. XXXX as punishment issued a ban for any adding of cards to my entire XXXX account. Contacted XXXX. They advised they would not unrestrict it. I find this to be a violation of UDAAP. Having a card reissued for the same card number ( new exp and cvv ) is not an indicator of fraud or money laundering etc. That is a common  practice of a bank to issue a new card with a new exp. I feel XXXX has been unfair and very deceptive about accepting payment and giving support which did not solve any issues.

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