milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2016 about Debt collection (Credit card) with Selip & Stylianou, LLP (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i did recevi not on my house i owe selip & styliano XXXX collection agency monney i did spoke withe this pople to provide me prove of the account they never did send me prove, they claim to be lawers some time they claim tobe collection agency, thee account they r saying i owe monney is abou 10 years old so i toll them please send me proves, first name they use was XXXX XXXX second name they use XXXX XXXX nothing matches they thret me the bother me for thee account i never owe or have any id was opend 10 years a go, please XXXX help me to resolve this problem any prove they have to send to you please send those to my house THIS COMPANY SELIP & STYLIANO THEY SAY WE R COLLECTION AGENCY SOME TIME LAWERS THEY USE DIFERENT NAME LIKE Cohen & Slamowitz THIS IS SCAME FROM THEM XXXX COMPLAINS I READ WHAT THEY TRY TO DO TO PEOPLE WHO THEY R WHY THEY USE DIFFERENT NAMES

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 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax They need to pay for their negligence. My personal information has been compromised. There is no way to tell the extent of the damage. My identity could potentially be stolen for the rest of my life now. Because of this scam we call credit in the USA, Equifax has all of my personal information WITHOUT my consent and now it is in the hands of criminals. How is this legal? I can go on and on about the problems that exist in this situation. But, will anybody care enough to do anything? Hey CFPB, do your job and protect the people! This company deserves bankruptcy, no such thing as too big to fail. If I was personally responsible for such a breach in security, I 'd be rotting in jail, why are n't they?

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Credit card () with U.S. BANCORP (UT).
Issue: Billing disputes

Complaint: On XXXX I received a phone call from XXXX Bank ; to verify purchases made on my card. XXXX purchases for gas XXXX were made, with me living in XXXX. I informed the bank that the charges were not mine. At this time the agent I spoke with informed me that she would close out my account, initiate a fraud claim, and I would receive paper work in the mail. After allowing two weeks to go by, I still have not received any paperwork in the mail regarding affidavits she informed me I would be receiving. I followed up with online banking and their response was to call customer service. I called and was transferred all over the place, no one seemed able to help. I again tonight looked to see if any credits have been issued regarding the fraud charges, and nothing has been issued as far as any provisional credits as outlined per REG XXXX I am alarmed and baffled, especially where XXXX Bank took their time on another case with a dispute two months ago, and since timed elapsed on their end they ruled that the dispute was outside of guidelines. The fraud charges are the only charges making up my balance ; and yet, they ( XXXX Bank ) are requiring me to make a minimum payment. If a provisional credit was issued ; then there would be no balance due, actually a credit balance refund for XXXX credits that were issued for a return from another merchant. I submitted another request today via online, requesting credit again this evening. I also informed the company that if this matter goes un corrected I would be reaching out to XXXX XXXX directly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I tried to get my free credit report online. I was unable to do so. I fear someone is using my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: After I told them on XXXX/XXXX/15 that I hold POA for my mother XXXX XXXX they called her anyway on XXXX/XXXX/15 and harassed her for the money. She is XXXX old and has XXXX. I told them this on XXXX/XXXX/15 and yet they called her anyway. This is entirely unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2017 about Debt collection (I do not know) with SECURITY CREDIT SYSTEMS INC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XXXX XXXX, a collection account began reporting to my various credit reports by Security Credit Systems LLC. The original creditor is listed as XXXX XXXX, the original and current balance are {$2000.00}. I do not know what XXXX XXXX is, nor do I have any idea why they think I owe them over {$2000.00}. I have disputed the account reported by SCS on my credit reports, through the bureaus, and even reached out to SCS themselves to dispute the account. I asked to be furnished with any records that would validate my liability for the debt they are reporting. They have not responded, yet have verified the account as accurate to the credit bureaus. Surely, if it were a legitimate collection theyd have proof to send me. Moreover, the report claims that I made a payment of {$110.00} in XXXX, yet the balance remains the same. In my dispute, I noted that XXXX, XXXX has dozens of complaints against them on BBB, due to their sketchy, if not fraudulent, billing and collecting practices. I also noted that my first notice of the debt/collection was seeing it on my credit report, as neither XXXX nor SCS thought to inform me that they thought I owed them money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: On XXXX XXXX, 2017 I attempted to receive an auto loan from XXXX XXXX, I was denied and given a letter of explanation citing a credit reporting agency called SAGESTREAM LLC. I have never heard of this company, nor have I ever given permission for them to obtain my information from other credit reporting agencies. My score from XXXX is XXXX and contains current and correct information. My score from SAGESTREAM XXXX, when I attempted to request my credit report from this unknown company they denied. They require you to mail in forms of id and personal banking information no one else requires. The company when contacted and attempted to find out more information on who they are, I was hung up on every single time. This company uses extortion and stonewalling tactics to increase interest rates for financial institutions.

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 04/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I learned from a recent credit report that AFNI is showing as a collection account and is trying to collect a debt in the amount of {$150.00}. This is the first time I have heard of this company or this debt. I was never sent a notice of right to dispute nor have I been contacted by mail or telephone regarding this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Good day, I 've spoken with Equifax regarding XXXX addresses that should have not been placed on my credit report over one month ago. The day I 've disputed they told me those address are no longer on my credit report. I review my credit today and have noticed all XXXX addresses are still there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/13/2016 about Debt collection (Non-federal student loan) with JPMORGAN CHASE & CO. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Due to a medical issue, I was forced to quit my job. CHASE bank refused to give us forbearance on student loan. 

We filed our taxes early XXXX, ready for e-file XXXX XXXX. On XXXX XXXX we received an XXXX form from Chase, we called our bookkeeper and she explained that was not good, we went to her office to find out, our {$5600.00} refund was now us owing $ XXXX+. 

So we sat down with IRS and they agreed to take XXXX refund and wait for XXXX refund to finish paying, which was done. 

With this we received a letter from CHASE telling us the " cancellation of debt ''. 

In XXXX we began getting letters from attorney 's XXXX ( XXXX ) Attorney at Law. We communicated with them and explained about the XXXX and they have been mistaken. 

After several trips to XXXX, AZ to court house, we eventually received a notice of arbitration. XX/XX/XXXX we sat down with plaintiff 's attorney and arbitrator. During this meeting XXXX claimed the the loan numbers did not match up with CHASE. 

The arbitrator said she had no choice but to find in the favor of the plaintiff and they both agreed that there was definitely something wrong. 

The attorney for XXXX argument was that his client XXXX XXXX XXXX XXXX XXXX ( XXXX ) owned the loan that was sold to them by CHASE back in XXXX. 

While there, the attorney XXXX XXXX of XXXX gave us the number of another attorney XXXX XXXX. XXXX claimed he was a good attorney and maybe able to help us. The arbitrator said she would wait 30 days before entering a decision. 

We went and saw XXXX XXXX and he said he would make some phone calls, during which he had mentioned the CFPB. 

On XXXX XXXX, XXXX the arbitrator found in our favor, we do not know what XXXX XXXX had done, but we were glad for the judgement. Including the judgment the letter stated that we needed to submit any fees we occurred, we called XXXX XXXX and he handled the communication with the court, and his fees were awarded for ( XXXX ) to pay. 

Currently GC is appealing the ruling and we have another court appearance this Friday XX/XX/XXXX. 

On their appeal they are accusing the defendants ( us ) for " Defendants have engaged in unfair surprise and misconduct '' and " litigation by ambush. '' We have done nothing wrong, we did not go to law school, we followed instructions. 

This is our biggest issue. How can CHASE sell a loan to XXXX in XXXX and turn around and file a XXXX on us in XXXX? 

According to GC, CHASE dd not own the loan to do this. 
We were thrown into another tax bracket since it had to be counted as earned income, causing me to lose other government medical benefits for my insulin.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Hello, I am extremely upset regarding the recent Equifax security breach which has exposed the private information of over 143 million consumers to potential fraud.
The credit reporting agencies need to be regulated and monitored. They need to be held accountable to both the Government as well as to each individual whose data they failed to protect ; especially when the breach was caused by GROSS NEGLIGENCE on the part of the credit reporting agency.
I read an article just a few minutes ago which stated that this all could have been avoided had Equifax applied a software patch that was released back in XX/XX/XXXX. This is INEXCUSABLE and they should be made to pay dearly for their severe error in judgment and failure to protect the private information of so many people. I 'm not talking about a lousy year of " free '' credit monitoring - that should be provided for LIFE to all involved, not just for a year.
I was also quite unnerved by their apparent " magnanimous '' effort to soothe the public by saying that they would not charge for applying or removing credit freezes - FOR 30 DAYS! What nerve! They allow our data to be stolen and try to make us feel like they 're doing us a favor by not charging us to protect ourselves from a situation that THEY caused! Consumers should incur NO FEES whatsoever in instances like this.
I ask that you take whatever action necessary to see that this kind of thing never happens again and that if it does, the company involved will feel GREAT PAIN for their irresponsibility.
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XXXX/XXXX/14 on TRANSUNION. I did not authorized anyone employed by this company or at this company or TRANSUNION to make any inquiry or inquiries and view or show my credit report to anyone, person, company, entity, business, co, corp or similar. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof Bearing my Signature or Request in Writing that I authorized them to view my credit report, then I am demanding that TRANSUNION remove the unauthorized and fraudulent hard credit inquiry immediately from my TRANSUNION credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Consumer Loan (Installment loan) with REGIONAL MANAGEMENT CORPORATION (NC).
Issue: Problems when you are unable to pay

Complaint: Yes the company is coming to my home leaving mail stating field visits to me. To collect I find this to be harassment and unorthodox and scary.Also they call all the time constantlety through out my work day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On XX/XX/2017 I submitted a dispute to all XXXX CRAs. I have received the results from TransUnion and XXXX, but not XXXX. However, I have credit monitoring service and it shows where the account was updated. They have updated the account so that the charge-off appeared more recent than it originally was and they also have it listed as a revolving account. This caused my score to drop by many points. I never received proper validation of this account. I sent to the CRAs a copy of the order that I won my lawsuit against XXXX in Court. Each report is reporting a different date that the account is open, the highest balance is different on each CR, Additionally, it seems as if they added late payments in after the closed date. Dispite providing each CRAs, with documentation to support my claims, they never completed a full investigation and they never forwarded documentation to me to validate this debt. XXXX has constantly failed to provide me with this information, and now I am being further victimized with a huge drop in my credit score.I have attached evidence of everything below.

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 03-10-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: lease find attached the FTC documents and my dispute letter on an account that i fraudulent located on my records.please have this account removed from my credit reporting since i need your help .the mentioned account is not mine and i have never authorized this account to be issued. i have already send a complaint to best but, this account can not be fount nor at XXXX or XXXX who could be the issuer of this account apparently. 
please follow up this matter, i would greatly appreci

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I received the attached letter from CitiMortgage. I do not deny I am in arrears. I have tried so many times to work with these people but they are all over the map with their stories. I gave up trying to communicate by phone and letters do not get a response. I was told that I could cure the outstanding debt by sending in extra funds. Now they returned my last payment because said that the debt goes back more than 120 days and I ca n't pay this way so they are putting my into foreclosure. I am on Social Security so I do have a limited income but I work a few housecleaning jobs etc. to get extra money to help settle this. They wo n't put me on a repayment plan.

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 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX college is no longer the school that I attended and my loan should of have been discharged due to the closure of the school also the loan is still appearing on my credit report sever times although it has been consolidated into one loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Credit card () with CITIBANK, N.A. (MO).
Issue: Credit card protection / Debt protection

Complaint: I am being charged almost {$10.00} a month for life insurance credit protection through Best Buy/Citibank credit card. I never signed up for this service. The company will not remove any charges even though I have asked them for proof that I consented. In addition, I 've never been given any sort of paperwork or any details on exactly what this product is. The monthly fee is XXXX of my payment every month. Because of this fee I 've barely paid down my balance, it 's just a continuing cycle.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/19/2017 about Debt collection (I do not know) with Alliance Group & Associates LLC (AL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: PLEASE CANCEL COMPLAINT #  XXXX  FILED ON  XXXX / XXXX /  XXXX   TODAY A DEBT COLLECTOR CALLED MY PHONE LOOKING FOR MY SPOUSE  XXXX   XXXX   XXXX  SS #. SHE ASKED WAS HE AVAILABLE AND I ASK HER WHAT CAN I HELP HER WITH. THE COLLECTOR  XXXX   XXXX   XXXX  FR OM ALLIANCE GROUP  CALLED FORM PHONE #  XXXX  HER DIRECT LINE. SHE ADVISED ME SHE WAS CALLING MY HUSBAND IN REFRENCE TO A PAYDAY LOAN FROM   XXXX   XXXX   XXXX   XXXX  AL. SHE QUOTED  XXXX  I ADVISED HER THE AMOUNT WAS INCORRECT. SHE BEGAN TO OVER TALK ME. WHEN I TRIED TO TAKE OVER THE CONVERSATION SHE GOT FIRED UP AND PROFANITY WAS EXCHANGED. SHE CALLED ME A  XXXX  AND ADVISED ME TO  XXXX  SOME. WHICH WAS HER EXACT WORDS. AS A DEBT COLLECTOR SHE USED OBSCENE LANGUAGE TO ME. AND THEN SHE HUNG UP AND CALLED ME BACK TWICE. SHE VIOLATED FDCPA. I HOPE THE LINE WAS RECORDED. I NEED HELP FILING A COMPLAINT WITH THE FTC. I WANT THE COLLECTOR FINED AND THE COMPANY FINED AS WELL THE ALLIANCE GROUP. I ORIGINALLY THOUGHT THAT  XXXX   XXXX  WAS THE RESPONSIBLE BUT THEY INFORMED ME THEY OUTSOURCE THIS ACCOUNT TO ALLIANCE GROUP  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  SC  XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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: After numerous times of asking Experian to verify my XXXX 's account which has been opened since XXXX 2012, Experian failed to verify this information. Instead, on XXXX/XXXX/XXXX, per Report XXXX. XXXX, they DELETED the account completely. After speaking with XXXX XXXX 's, they told me on the telephone they NEVER INSTRUCTED EXPERIAN to delete this account because it 's in good standing. I have written Experian repeatedly telling them they are not investigation this properly, I have provided proof from XXXX XXXX 's and they refuse to make any change to my credit report.

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 03/29/2016 about Bank account or service (Checking account) with STATE EMPLOYEES CREDIT UNION (SC).
Issue: Account opening, closing, or management

Complaint: Upon reviewing my XXXX credit report, it showed I still have an open line of credit since XXXX/XXXX/2010, from a credit union I had my checking and savings accounts with until I moved to SC. These accts. have been closed for 6 years.

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 05/13/2016 about Debt collection (Credit card) with PAYPAL HOLDINGS INC. (CT).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: They keep calling outlets not relative to where I reside or would be able to have communication. There is no reason any one other than myself should be contacted regarding my finances or financial situation.

Company response to consumer: Closed with explanation