milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/15/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The credit reporting agencies XXXX, Equifax and XXXX are reporting information that I am confident is reporting inaccurately. As I have attempted to dispute the inaccuracies, the agencies are being either uncooperative or non-responsive to my request. I 'm sure you are aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. When you can provide adequate validation of this alleged debt and late entries I will concede to your policy of valid entry. To refresh your memory on what constitutes legal validation, I am giving a list of the required documentation : Complete payment history, the requirement of which has been established by XXXX, XXXX ; XXXX. App. XXXX XXXX. 
Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX, XXXX, XXXX ( XXXX., XX/XX/XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 
Intimate knowledge of the creation of the debt by you, the collection agency. 
I 'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX, No. Civ XXXX ( XXXX. XXXX ), the court ruled that reporting a collection account indeed is considered collection activity. The following are challenged : XXXX XXXX XXXX XXXX XXXX XXXX ( Refelecting Late ) XXXX XXXX ( Refelecting Late ) XXXX XXXX ( ReflectingLate ) XXXX XXXX ( Reflecting Late )

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had filed an FCRA lawsuit with attorney XXXX and received {$1000.00} as apart of the settlement. I just received an IRS Form XXXX with the amount of {$9500.00} as income. This is false, I did not receive that amount. I only received {$1000.00} and included a copy of check I received. Now that I am filing my taxes, It looks like I received {$9500.00} when in fact, {$8500.00} were attorney fees, paid directly to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Debt collection (Auto debt) with Valley Credit Service, Inc. (OR) (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Valley Credit Services is attempting to collect a debt with the incorrect amount. They purchased an outstanding balance five years ago and never notified me of the purchase, of the purported amount, or of the ability to  dispute and correct the amounts. I have notified them in writing and over the phone that the debt is disputed.     I called multiple times after seeing the derogatory report still on my credit and was told that I had to pay the entire amount, including interest and fees in excess o f Oregon Statutory amounts, or they would continue to harm my credit. I was never gi ven the ability to dispute the errors and they refused to update and correct the information.     I contacted the original creditor, my local credit union, for the correct amount outstanding and they forwarded that t o Valley Credit Service. After notifying repres entative "  XXXX  '' that the amount was incorrect and providing proof of the credits not applied at the sale of the auto, she refused to update the amount owing or the false amount reported to the credit bureaus.     Today was my final attempt to resolve with them. This company is n't listening to any disputes and is unwilling to correct their errors. Before filing a civil complaint for damages, I want ed to seek one final help to have  them conduct themselves with integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (MS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have tried contacting everyone from my loan servicer, Navient, to the XXXX XXXX XXXX Ombudsman ... I have written documentation along with return receipts from my numerous attempts to apply for financial hardship. I only took out {$7500.00} in student loans with XXXX XXXX. I paid that much back in full. There is no way i couldv'e taken out over $ {$15000.00} in student loans in less than a calendar year ( plus I still had to buy textbooks out of pocket ). I attended the XXXX XXXX XXXX XXXX XXXX -- enough said. Even art institute will not reply. My credit is ruined because not only in navient loan on there, but every time they turn it over to someone else, its a new negative mark on my credit. I have begged for debt verification. No one will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with North Shore Agency, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection agency claims I owe for a subscription I did not have. I have received XXXX mailings thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX/XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX-ny Inquiry from XX/XX/XXXX + Telephone Companies XXXX/XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX + Complete Dept. Stores XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX XXXX   Inquiry from XX/XX/XXXX + Credit Unions XXXX/XXXX Inquiry from XX/XX/XXXX - Specialty - Shoe, Hat, Etc. 
XXXX Inquiry from XX/XX/XXXX + Home Furnishings XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Misc.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The County of XXXX XXXX is engaged in harassment and intimidation tactics by issuing tickets to law abiding citizens and referring accounts to collection agencies. I am trying to apply for employment and these heavy handed collection practices are prohibiting me from getting hired. I went in front of a judge and agreed to pay the extortion fees assessed against me and was told I would have time to make my payment on line. However, I received a call from a XXXX party collection agency ( AllianceOne ) demanding payment from me on the alleged infraction. The county has other means to enforce collections that should not include reporting my balance to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Not sure of any information reguarding that dept

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 06/15/2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY).
Issue: Money was not available when promised

Complaint: Today, XXXX/XXXX/16, I tried to send a moneygram online, as I have done several times before. I was told that my transaction was " under review '' and I had to confirm the transaction. Then I was told that the receiver also had to call to confirm the transaction. None of this was mentioned in the transaction receipt I received by email. I had to speak to XXXX different persons at MoneyGram and they were not sympathetic at all. The receiver has still not received the money.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I have a loan with Bank of America. I 'm self employed so my income varies each month. Over the summer, I fell behind in my payments but was always in contact with the bank. I knew during the fall I would be able to catch the payments back up again and submitted for a loan modification. I could 've asked for a forbearance but I was never advised nor was I told I told a letter of intent was supposedly sent. I open and still have every piece of mail during this time never did I receive an intent to foreclose or notice that my property was in foreclosure. In XXXX I received a call from a Bank of America representative stating my property was in foreclosure. I know there is a process where I 'm allowed to be heard in court. I did not receive any notice from court or the bank. My modification was submitted in XXXX. I kept in close contact with my representative an even told him I could now send in a few payments. He told me the bank would n't receive them at this time. I can only pay the full amount plus interest and attorney fees. On XXXX XXXX the Bank of America representative called me and told me my loan was denied because they could n't find a program for me. I know that Bank of America just settled a law suit for doing this kind of thing to home owners. I am a single mother who 's divorced and really want to keep my kids in the only home they know. I asked the representative if I could do a forebearance or put the payments or some of them on the back of the loan he said no since I 'm in foreclosure and putting the payments towards the back is a loan modification which I do n't qualify for. I asked how can I not qualify now when I just qualified earlier this year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Debt collection (Credit card debt) with FIRST NATIONAL BANK OF OMAHA (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This is still a dispute with the First National Bank of Omaha XXXX XXXX. A police report and FBI complaint are on filed for the fraud committed by this fraudulent company. 

XXXX XXXX XXXX do not owe First National Bank any money. It had all been paid off. Please stop First National Bank of Omaha XXXX XXXX from calling and sending notice on collection. 

This is a fraud scam that I fell on. It is a fraud company offering fraud employment. 
Its been more than six months and this dispute of identity theft and fraud had not been resolved. XXXX XXXX XXXX 's money was stolen and gifts cards was stolen after the bar code where given to them. Payments were reversed either by the bank or the crooks. XXXX XXXX XXXX did not give out any of her credit card account numbers. Therefore, its either a data breach or the credit card company inside jobs inducing debts on its customer with a ploy. 

This is a total fraud scam and a crime induced upon XXXX XXXX XXXX. XXXX XXXX Bank Fraud department can be investigated on the company account. 

That XXXX XXXX Account is not XXXX XXXX XXXX account. It is most probably a fraud account created by fraudulent scammer.

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 08/15/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (MI).
Issue: Account opening, closing, or management

Complaint: I received an alert that a credit inquiry was done by CBNA XXXX XXXX XXXX XXXX, SD from XXXX on XXXX XXXX 2016. I did not request this inquiry and I would like to know who requested it from CBNA?

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 05/16/2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (NY).
Issue: Settlement process and costs

Complaint: I currently have a Home equity line of credit, which is 30 years, first 10 years are for draw, remainder 20 years is to pay back line of credit. My bank contacted me to ask if i want renew credit line, but said i would have to pay filing of lean, which would come to about {$240000.00}. I asked the bank since there still is a lean for another 20 years, why would i have to pay. They said thats the way it is. My question is that necessary, or can they continue to use same lean. The home is located in New York State. 
Thank youXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: With regards to the Equifax cyber security incident announced on XXXX XXXX, 2017 : Equifax, through its grossly negligent handling of private information, has endangered my and millions of other Americans ' social security numbers and other private information. They have opened up our lives to the ever-present risk of identity theft through their incredibly inappropriate mishandling of our personal information. To add insult to injury, they have placed the onus on us to ensure that our leaked information is not abused instead of taking any semblance of responsibility for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (TX).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Citibank regularly locks me out of my online account and will not unlock it. I requested a new PIN number, which I never received, and now am once again locked out of my account. I can not see my balance, nothing ... can not even log in. 

I am fed up with this and now want to close the account.

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 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There was a fraudulent inquiry done with XXXX Credit Card Services on XX/XX/2018.  XXXX reached out to me to see if I applied for a new card. I explained that I had not requested any new credit with their company. They intern mailed me a letter to state that they would have the inquiry removed. I also file a dispute with XXXX and Experian as those are the two bureau 's that shows the inquiry. It is now a full 90 days later and the inquiries are still showing on my credit bureau report. I reached out to XXXX and they have contacted the bureaus by phone and nothing has been removed from my report. I am not involving CFPB as this is a violation. This false inquiry is effecting my credit score and it not fair to me as. a consumer. I would like action taken and would like the inquiry to be removed as the information is inaccurate.

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 09-01-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: On XXXX XXXX, 2016, I signed up for a 7 day trial to receive my XXXX score for {$1.00}. On XXXX XXXX, 2016, I called and cancelled my trial period. I just found out on XXXX XXXX, 2016 while checking my debit card details, {$24.00} was taken off of my card by Experian. After speaking with them I found out that they have taken the following from my debit card. On XXXX {$21.00}. On XXXX {$21.00}. On XXXX {$43.00}. On XXXX {$21.00}. The XXXX/XXXX/16 for {$24.00} was the only XXXX refunded and they said that they cancelled my account. After speaking with Experian and letting them know that I had cancelled my account with them before the 7 day trial was up, they refused to listen. Due to having XXXX XXXX, I have to write every day, date, time and the name/ID of the customer service representative I speak to when it comes to anything important such as this. Experian would not do anything about their mistake and I 'm hoping that you will be able to help me get back the money that is owed to me. They had no right to take it from me to begin with.

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 monetary relief
Consumer complaint received 11/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stuart-Lippman and Associates, Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My ex wife did not pay a bill owed to XXXX XXXX XXXX. 
I have contacted them and they know it is not my bill. And since 2008 this has been on my credit report causing me hard ship and paying higher interest rates. I have asked and they have said they would remove this over XXXX times now. Staurt & lippman collection agency is located in XXXX Arizona, Home OfficeStuart-Lippman & Associates, Inc. 

XXXX XXXX XXXX XXXX, XXXX XXXX, Arizona XXXX Toll Free : ( XXXX ) XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX the trouble it has taken me to try and remove a collection account for {$100.00} dollars, that is not even mine. 
this is an out rage. Shame on them for doing this to a person

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: To whom it may concern, ProCollect Incorporated has violated the Fair Debt Collection Practices Act. 

Section 805 ( c ) : states that collection agencies must cease contact upon request, unless further efforts by this company are being terminated. 

Section 806 ( 5 ) : states that a debt collector may not engage in any conduct of which is to harass i.e. causing a telephone to ring continuously. 

Section 807 ( 5 ) : States that a debt collector may not threat to take action that can not legally be taken. 

Section 807 ( 8 ) : States that collection agencies must report that a disputed debt has been disputed. 

Section 809 ( b ) : States that if a consumer notifies the debt collector within the thirty-day period ( a ) that a debt, or any portion thereof, is disputed, the debt collector shall cease collection of the debt. 

Be advised that claims made by the creditor have not been validated, and have been disputed twice, while collection efforts continue. Since notifying this company that I was aware of these violations, they have sold the invalid debt to another collection agency. 

ProCollect Incorporated has committed acts of harassment and abuse of discretion, or otherwise not in accordance with federal law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I tried to get my get the two address off my report which do not belong to me which are XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2017 about Debt collection (Medical debt) with PlusFour, Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt is not mine, I have never received services from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Medical debt) with Credit Systems International, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This debt has been re-aged and is illegal under the FDCPA and the FCRA. This is is illegal under the FDCPA and the FCRA. I did not have any procedure done in  XX/XX/XXXX . The procedure was completed  XX/XX/XXXX , which is passed the statute of limitations in Texas and uncollectable at this time.
This collection agency is reporting on my credit report. I do n't have any executed contract with a collection agency and did not owe them anything. Due to HIPPA regulations, I did not provide any of my doctors to share any of my information with a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Never Authorized credit inquires ( Not associated with an open account ) Identity Theft Victim!!!!

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 08-02-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: Chase closed my account over the weekend ( non-business day ) and is holding my funds without explanation. Today, XXXX XXXX, I walked into the branch and they did n't disclose information about the status of my account and I was told that they were n't able to release my funds to me. I always deposit my checks inside the bank and keep a regular balance. I 've never over drafted and I was never charged a fee.

Company response to consumer: Closed with explanation