milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/21/2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Bankruptcy case #  XXXX   XXXX   XXXX  All the above cases are being reported on my credit report. the listed source of the information is listed as   XXXX   XXXX   XXXX     XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  (  XXXX  )  XXXX  Upon speaking with them I was told that they do not verify anything with the credit bureau.They also sent me a letter which I have attached as well. After several attempts to dispute these items I was told by the credit bureau that these items were verified.

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 02/14/2016 about Debt collection (Medical) with Credit Collections U.S.A., L.L.C. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I found out that National Hospital Collections had reported information to my credit file when they told me if it was paid then it would not go on my file. I was XXXX at the time and was on workers compensation. I had borrowed the money to protect my credit and believed them when they told me I would not receive a mark on my credit file.

Company response to consumer: Untimely response
Consumer complaint received 09/14/2017 about Debt collection (Credit card debt) with GC Services Limited Partnership (IL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: On Wednesday, XXXX XXXX between XXXX and XXXX, my employer was contacted by a man named XXXX with a collection company. He asked my employer to know personal information about myself. The phone number was XXXX ext. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX our account had {$180.00} without anything being in the negative the bank took out {$140.00} for Overdraft fees and still never showed a negative. We had XXXX pending items XXXX XXXX which was going to be credit back in a couple days for {$180.00}. Our account never showed negative, and they never had to cover this item. The bank is telling me they wont refund our money. We feel as if they stole our money. I dont understand how with something pending how they can automatically charge you a OD payment with the item was not yet paid by them. This was a error and it was corrected as well as why are we being charge OD fees when they didnt have to cover anything?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/23/2016 about Debt collection (Medical) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: ProCollect of XXXX continues to leave a {$41.00} collection debt on my XXXX Credit even though I have proof they cashed the check for this debt 4 months ago and I have called them 3 times to have this removed since that time. It has kept me from re-opening my main XXXX XXXX card account two times now. They have made two promises of dates that this will be removed from my credit report and those dates have long since past. What teeth can you put in to this and force them to act now???

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 06/25/2015 about Mortgage (Conventional fixed mortgage) with Nationwide Funding Group Corp. (CA).
Issue: Settlement process and costs

Complaint: We are in a purchase and the loan documents have been delayed several times to ineptitude by the loan office and his staff. We were told the loan docs were in and that the buyer had signed them but they wo n't provide the documents to the escrow officer or anyone else. The loan officer says they can not be released because the documents are post dated to XX/XX/2015. I have never heard of documents being post dated. The loan officer is blaming the lender and telling us the documents are post dated because there was 1/8 of a percent drop in the rate. This whole thing sounds fishy to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/18/2016 about Payday loan () with CNG FINANCIAL CORPORATION (OH).
Issue: Can't stop charges to bank account

Complaint: I sent a certified letter to Check N Go to stop the ACH payments from my account with XXXX ( located XXXX XXXX XXXX XXXX, XXXX, OH XXXX ) I took the letter into XXXX to show them and they still charged me a {$33.00} for a stop check fee. I received the certified mail receipt back from Check N Go acknowledging receipt of the certified letter. Yet, Check N Go proceeded with the ACH authorization requesting payment of {$1400.00} and XXXX XXXX let the charge go thru. This left a negative balance on my account and left me with absolutely no money for a week ... no food, no meds, no gas. Nothing for both me and my husband!

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Debt collection (Medical debt) with CAB Receivables, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent a  letter to Cab Collection  agency in  XXXX  of  2017 asking for proof that said debt they are reporting is actually my debt but havent recieved anything from the collection agency as of yet proving that this is indeed my debt. I tried to dispute this with the credit bureaus only for it to come back as verified but the company when reaching out to them says that they can not find the acco unt infomation to verfiy the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Debt collection (I do not know) with COMMUNITY CHOICE FINANCIAL, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was contacted by a company called XXXX telling me I had took out a payday loan. I told the lady no I did not and told her someone must have took my Identity. She told me to file a police record and send it to her as I was asking questions and telling her I had not lived at the address that was on the loan in 8 years she up told me you know you took this loan out and you need to pay it. I told her no I did n't and she hung up on me. I files identity theft online and got assigned case number XXXX.I got assigned a detective XXXX XXXX with the XXXX Financial Crimes XXXX. his email XXXXXXXXXXXX.The detective contacted XXXX and got of the information concerning this loan in which he stated was a pay day loan. The information I have received about this has been though the detective not the XXXX.I have found out that there was a company called XXXX XXXX used as a place of employment, XXXX XXXX XXXX used as the bank plus a phone number XXXX.This loan from what the detective has told me was taken out on line IP addresses are not in texas. Things were quite until XX/XX/XXXX when a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX hit my credit requesting a credit report I never authorized. I called them up asking them why and who they were the man tells me he is a collection company and his customer was cash central that 's first time I heard that part.I did research and found out cash central is part of community choice financial located in XXXX Ohio XXXX.Their rep called the detective and he told her he had been waiting on more information from them and the bank used along with giving this XXXX no last name the case number. Community Choice Financial continues to have collection companied call me threat me. A company called XXXX XXXX XXXX threaten me over my assigned company number which I had given to XXXX at Community Choice Financial to help get this issue solved but she forwarded it to XXXX XXXX XXXX XXXX in which he gave me a false name on XXXX XXXX. I filed with the Federal Trade Commission and sent that info to Community Choice Financial. They have the case number for identity theft report. Today after I sent the letter again to community choice financial they want me to send them an Affidavit notarized and my government ID They did not take any type of id for this online loan from my understanding and with all these emails with Name last name people and false names I do n't trust sending them my information. When I filed Id theft I did not even know any information cause I have got nothing from cash central or any of the names companies in this report. All my information has came from the detective. I just want them to stop and I want a rep of theirs to come see me with the detective Regards 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 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I pulled my credit report and noticed several inquiries that were n't made by myself. I was n't aware of any inquiries. I was n't contacted by any companies nor credit bureau and I noticed an alert that inquiry was on my credit report. I sent in several certified letters over to the credit bureau all XXXX bureaus and received letters to only show that the inquiries and accounts were verified. I did n't get any letters, contracts or notified by any creditors or credit bureau to get any consent so that is breaking the FCRA laws. Several laws have been broken and I want to seek a civil suit against the credit bureaus along with the creditors advertising inaccurate information on my credit report. I have serval people in the United States that has the same name as me and I do n't think it 's fair that I pay the price for errors on behalf of credit bureaus and creditors.

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 06/21/2017 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 would like the following inquiries removed from my credit report. I do not have knowledge of allowing them to check my credit. Transunion Creditor Name/date of inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Creditor Name/Inquiry Date XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  Creditor/date of inquiry XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 03/27/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Sent a cease and desist letter to midland credit management on behalf of my mother who is suffering from XXXX..she is currently in a care facility and is unable to afford any bills..this cease and desist letter was sent out in XXXX of 2016..going through her mail today..there is correspondence from Midland Credit Management again asking for payment..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2017 about Debt collection (Payday loan debt) with Credit Management Services, Inc. (NE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received notice in the mail that I had a judgment filed against me for XXXX. I paid this online through the Nebraska XXXX system on XXXX/XXXX/XXXX. on XXXX/XXXX/XXXX XXXX XXXX XXXX filed a garnishment with my company XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (I do not know) with Platinum Holdings Group, LLC (MO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Getting calls from a group calling themselves the huntington group from phone number XXXX. Stating someone is trying to take legal action against me. Ignored calls because I felt it was not legit. Looked them up online and was unable to find them. Information I found was through their phone number reverse lookup sites which resulted others sharing experience with them stating they were scammed or being harassed. Ignored the calls until they contacted my step father and were very threatening ( practices used unlike a legit business ). I called today and confirmed my name and phone number, but would not confirm any other information. I requested their full name of the company and their company address, but the represenative XXXX asked why I needed that information and I said to get more information, he told me to hold and I was connected to another individual who immediately told me that they would n't share any information with me unless I confirmed what they had on file in regards to my personal information. I said I just wanted their address and then he started to raise his voice and said he would n't give it so I said I would n't give any of my information because I felt lile their business with me wasnt legit and then he blew up and starting yelling at me. I said I felt this was a scam and to not call me or my family and he said he had every right to contact me and that I need to take care of my " business ''. I replied this is how this company does business? And he continued to yell and repeat himself so I disconnected the call. I just want to know if this.company is legit. They leave voicemails saying legal action will be taken, but I havent received any debt notices by mail and certainly nothing in regards to legal action. I dont like feeling threatened by a company I feel is not a legitimate company. Everything they give is vague and feel theyre trying to fish for information or scam me by paying for a debt I dont owe.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom it may concern : I pulled an Experian credit report on XXXX18 and I noticed a name that does not belong on my report. Can you please remove : XXXX XXXX XXXX. 

Thank you 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 non-monetary relief
Consumer complaint received 05/15/2017 about Debt collection (Medical debt) with Modern Adjustment Bureau (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Collection Company : Modern Adjustment Bureau,   XXXX   XXXX   XXXX  , Ca  XXXX  They are attempting to collect for FULL payment for dates of service : date sub.  | date of. | Provider of Service Billed. Paid by to insur | service. | Amt Ins.    ______________________________________________________________________   XX/XX/XXXX  |  XX/XX/XXXX -   XXXX   XXXX   XXXX   XXXX   XXXX   {$2100.00} {$290.00} 03/07/2016 |  XX/XX/XXXX -   XXXX   XXXX   XXXX   XXXX   XXXX    {$2100.00} {$290.00} 01/08/2016 |  XX/XX/XXXX -   XXXX   XXXX   XXXX   XXXX   XXXX   {$2100.00} {$290.00} Modern Adjustment Bureau is attempting to collect a total amount {$6400.00} rather the the amount of {$290.00} for each procedure stated above.      Yes I admit I cashed the checks from insurance company, and in the past when I had gone to  XXXX  for my lower  XXXX   XXXX  procedures I had signed any insurance check (  s ) I  received signed over directly to  XXXX  ... For this particular procedure I received payment in the    XXXX    calendar year for  XXXX  date of services. At the time of  XXXX , I was NO longer seeking any more treatments. I also want to note that I NEVER received any invoice from the above provider for the due amount of {$870.00}.     I then contacted my insurance to attempt to find out how to address. Even though the above provider was NOT in my network, they did accept previous payments made by my insurance company and did NOT seek full payment for billed amount.     My insurance company has also noted that there are many dates of service where they did NOT pay, due to some accreditation as well as not being in network. But as I stated accepted the payment by the insurance company. There is now through the insurance documentation of this. As they stated to me, this is illegal. I have since contacted the service provider to explain my situation and stated that they would take the amount owed of {$870.00}. I also stated to them the Modern Adjustment Bureau has been making harassing phone calls and are belligerent.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Recently filed a dispute with regards to collections account, namely STATE OF MI OFFICE CHI Account Number : XXXX .... Report on experian reflects that payments are not made towards this account. The active status of this account is marked FP - failed to pay. I have filed a dispute requesting that Experian report the correct status of the account or remove it from my credit profile. State of Michigan is a government agency reporting debt of child support. This agency should be bound by The Fair Credit Reporting Act and report collection accounts accurately just like any other creditor. In my case, the account is closed and the Circuit Court has ordered payments to be made on the balance. Monthly payments have been made for the past 3 years as ordered, these payments are NOT reflected in Experians reporting. Instead each month the account reflects a declining balance from each payment and is recorded as Negative. There is no payment history recorded. See attached documents that further support my dispute.

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 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (PA).
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint: EXPERIAN Following up on the data breach, I accessed the company 's web site to discern what can be done about that problem. They offer to monitor but with " strings. '' I declined. 

Yesterday around XXXX XXXX I received an email from EXPERIAN offering credit monitoring for {$0.00} and  no card # required. Moments later I was billed on my XXXX via XXXX {$52.00} ; XXXX is their card processor. 

EXPERIAN had to access my credit file an pull my XXXX card number and charge me without authorization. This is is a fraud in advertising or maybe a " hacker 's '' scam. I do n't know. 

REPLY-TO ADDRESS ON EMAIL : reply-XXXXXXXXXXXX

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 06/17/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Other

Complaint: For 3 years, I have disputed with GAP about the inaccuracy of my '' highest balance '' being reported to all XXXX credit bureaus as {$810.00}. The company made fee adjustments/credits to my account in 2011 which totaled {$810.00}, but the GAP account supervisors and internal credit reps are telling me that there 's nothing they can do about it even though they acknowledge the credits were indeed made on my account due to an error on their part when they failed to credit my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Consumer Loan (Vehicle loan) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (CA).
Issue: Problems when you are unable to pay

Complaint: A gentleman by the name of XXXX XXXX has been contacting employees, their spouses, customers, and spouses of customers for a business I own. The gentle has then further informed them that the business is under investigation. Furthermore informed them that I am under investigation. XXXX of the employees he called is on probation, he informed him that he knew the employee was on probation and threatened to send people to the house. He then called that employees x-spouse and made similar threats. That employees can not now see his child because the mother was so intimidated by the call that she does not feel it is safe. That employee may now have to quit to maintain the relationship with his daughter. They have made several similar calls to customers of the business that they have found thru the XXXX page. They have gone above and beyond what the law allows to intimidate both customers and employees of a business I own for a personal debt that has nothing to do with the business. It has had an emotionall distressing and adverse affect on the business both in reputation, profits, and moral. From everything I have read I can not see how this is legal. They have been told on several occasions that I can not be reached at the business and they still call intimidating my employees telling them the business is under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I 'm still in school, getting ready to do my internship. I have tried my best to find a job but their is no jobs out here.My father was on his job for 19 yrs and the company downsize his department and he was let go.So he 's not working and ca n't find work just imagine my dad at age XXXX years old he has lost his house and everything he owns.He was going to help with loan.Soon as I finish school I will start making payments. I told Navient that I even ask can I get deferment or an forbearance but they told me no. I 'm getting harassing phone calls on a daily basis from morning until XXXX XXXX to XXXX times all evening.

Company response to consumer: Closed with non-monetary relief