milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
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: It has been a year ; I have been disputing some incorrect information that is incorrectly reported on my credit report. I have requested this information from both the credit bureaus and the creditors, and both have failed to make an attempt to respond to my situation. So I would like to take advantage of this opportunity to file a complaint on my behalf of my credit reporting 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
Consumer complaint received 11/14/2015 about Prepaid card (Payroll card) with First Data Corporation (TX).
Issue: Unauthorized transactions/trans. issues

Complaint: On XXXX/XXXX/2015 am authorized transaction of {$10.00} was deducted from my payroll account to XXXX bill pay. I can not know the possible reason why unless the financial institution, or someone who works there is to blame for this because I have no XXXX bill pay accounts. Also, when I called customer service to dispute the master, the first representative tried to tell me that it could n't be disputed because the charge was already settled. Then he told me that he would cancel my card and issue a new XXXX at no charge to me. However my account now reflects a SECOND unauthorized charge of {$6.00} for the reissuing fee.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: someone started a comcast account under my social security number but its not me and gave no permission to do so

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: Credit card company double charged me for a statement and is not responding to calls. Called them every day for 5 days straight. Everytime, I 'm on hold for up to 1 hr. 

Also, website does not provide any way to learn how to cancel the credit card. Their product is predatory.

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 02/19/2018 about Debt collection (Auto debt) with TOYOTA MOTOR CREDIT CORPORATION (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have vehicle lease account with Toyota Financial Services that was properly paid for and closed on XX/XX/XXXX As I changed address after the account was closed, I did NOt receive any further communication from Toyota. But, I get a call from a credit collection agency, XXXX XXXX XXXX, onXX/XX/XXXX regarding a debt to Toyota. I requested a written notification, which they sent me on my new address. The bill was for : excessive wears and tears and a purported missing key for a total amount of {$700.00}. I contacted Toyota and disputed the missing key. Toyota told me the account was closed and that the additional debt was sold to the credit collection agency ; therefore I had to work it out with the collector. I contacted the collector over the phone and we agreed on the amount of {$490.00} to settle the debt. However, until now the original account is still appearing as " open '' with Toyota, with a debt of {$210.00}. I have been disputing that over the last 3 years, but XXXX keeps telling me that this is what Toyota reports to them. Each time I contacted Toyota at XXXX to request that they either : 1 ) report the account as " closed '' or 2 ) send me a bill in the mail with payment instructions. But, each time the department refused to do so nor will they provide the phone number of the department to contact. All, the tell me is to write to their collection department, which does NOT have a phone number! Worse, the phone number ( XXXX ) listed on the credit report does NOT belong to Toyota.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Debt collection (I do not know) with Nations Recovery Center (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Called me on my cell phone at work. Told me that his client had identified a debt under my name and social and he was calling to collect. He asked me to give him my social security number to confirm. I refused to give him my social. He gave me XXXX digits and asked if it was the last XXXX digits of my social. 

I told him that it was not my debt and that he should not be calling me during working hours. He hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I would like to have this info. removed from my report. 
Cause this is not my information at all.

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 07/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Advanced Collection Bureau, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have never received a bill from the original creditor and do n't know why I owe this much money. I sent a letter to the collection agency to get information about this debt including the last billing statement that shows why they believe I owe this money. I did n't hear anything back from the collection agency so I called them earlier this month. I was told that they will not send out anything to me and asked me to pay the full amount. I do not want to pay anything if I 'm not given proper documentation as to why I am paying it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02-03-2018 about Debt collection (I do not know) with Diversified Consultants, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In review of myXXXX Credit Report there is a listing that Diversified Consultants inquired into my credit for the purpose of Collections.There is no associated debt nor are there any remarks indicating who the client/account that is in collection status. Listing on the report as follows : DIVERSIFIED CONSULTANTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/2018 Permissible Purpose : COLLECTION I contacted them twice on XX/XX/XXXX. After providing my SSN and explaining that I wanted to know why they were making an inquire on my account for collection, the first representative explained that they don't have a record of me and hung up. The second representative stated that Diversified Consultants provide 'personal services ' and then hung up.

In both cases, neither representative could identify why the inquiry for collections was made. I am submitting this complaint to prevent further action from Diversified Consultants until I know why they are making these inquires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
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: Have tried to work with XXXX XXXX and Transunion over the past 8 months to fix problems related to 5 late payments that incorrectly posted to my credit report from XXXX XXXX credit card XXXX XXXX  car loan, and XXXX XXXX accounts between XXXX XXXX and XXXX XXXX. They have strung me along telling me months ago that I need to wait for the dispute process and they would get it fixed ... They did n't ... Then once it went over 60 days they declined and closed all my disputes out and I have been unable to reach anyone on the phone or via online requests to get this resolved. The facts are that the payments were posted late due to errors from the companies listed above not posting my payments properly via their online payment systems, which were down at the time and they advised penalties would not occur ... I tried to contact them between the months of XXXX XXXX to the present and have had no success, I heard that you all could help ... I have reached out and put in direct disputes that are now closed with all companies listed above and XXXX Transunion and XXXX and it was never removed or resolved from my account and its really hurting my credit from me being able to refinance my house or purchase a used vehicle ... Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax avoided instituting basic security measures to ensure that consumers like myself would have their personal information protected and secure. As a direct and inevitable result, many people 's private information, including my own, has been stolen. As a credit report contains an incredible amount of significantly private and important information, having this information stolen has a terribly large impact on my affairs. Since Equifax completely avoided taking BASIC security measures, this large breach of trust requires a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: It has to do with a hospital payment of over {$1200.00} I should not owe. I XXXX back when I was in XXXX school. I know my parents did not finish paying the bill. Once I turned XXXX I am assuming the responsibility was moved from my parents to me but why should I be charged {$1200.00}? I found out was I tried to obtain a credit card but was denied to many times. As a current college student, this has affected me greatly! I should not have to owe anything but the worst part is that now only could I not get a credit card but my dad 's credit was also ruined. Basically, this has affected both of us and why should I be affected when I did not do anything wrong. My dad agrees this should have only affected him and not me in anyway and wants to remove that bill from me and move it towards his account. I want this bill to be removed as fast as possible because it is crucial for me right now to be able to obtain a credit card.

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 01-10-2018 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: Account status incorrect

Complaint: I have disputed a account on my credit report which is a chase card that XXXX is reporting as a charge off and failure to pay certain months. This account is not a charge off as it has been paid in full. XXXX will not update my credit file correctly. 

The account is a XXXX card with the address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX Address is XXXX. XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I 've filed a previous complaint (  XXXX  ) with you all and the status still remains open with no response as of  XXXX    XXXX ,2017  in regards to my  XXXX   XXXX   XXXX  account to be removed from credit report.  XXXX  out of the  XXXX  credit bureaus have removed it when I sent certified letters asking for the removal or proof of debt except Equifax. They have yet to respond when I sent the certified mail  XXXX   XXXX ,    2017  and they received it  XXXX   XXXX ,  2017 . I would like the account removed please. I also checked the licensing website and saw no authority for them to be collecting in the state if NC which was another concern for  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian Report # XXXX for XX/XX/18 Experian has under notices page 19 of 20 this address may be perceived as a high risk. was used as a mail drop or a delivery service. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX is not none of what Experian has or says. I have for the past months to get Experian to Delete/Remove this. This address is an high end apartment address. Experian has not provided any proof of there sayings or any documented proof or any thing of substance regarding this matter. Experian has had months to clear this matter up. Experian keeps putting or adding information on my credit report that is not mines and Experian does not have or documented proof of there gathering of information and the errors in which has no merit in any way of there findings to the said address.

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 05/28/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Hi. I sent you a letter dated XXXX XXXX, 2015 with regard to Wells, Fargo Home Mortgage and all the documentation that is totally conflicting. I sent them documentation to do a loan modification on XXXX XXXX via XXXX. I received a letter from their attorneys, XXXX, XXXX XXXX XXXX dated XXXX XXXX, 2015 that a sheriff sale has been postponed until XXXX/XXXX/2015 ( I was advised by Wells, Fargo that all foreclosure proceedings were stopped so there should not be a sheriff sale at all ). 
In addition, I just received a letter today from XXXX XXXX ( XXXX x XXXX ) that a review of my loan has been pending for a long period of time and she has not received all the required documentation from me so they are unable to offer assistance! I sent them all the documentation just a couple of weeks ago. 
There is no mention of what they still need either! What is going on? 
Something has to be done about this. This is consumer fraud. 
Please help me. I have been thrown around this bank for weeks with no answers and am still under a sheriff sale that hurts my credibility in the business world. 
They should have taken us completely out of the sheriff sale as they told me they would do. Thank you very much.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit card () with CITIBANK, N.A. (CT).
Issue: Late fee

Complaint: Missed a payment on a credit card due to mishap with bill pay at my bank. Paid in full 10 days late. Called credit card company to settle the issue and see if anything could be done, they said no, the XXXX $ late fee would remain. I stated I would close the account. They offered some bs but I was n't interested. I asked what the current balance was so I could pay in full. She told me the balance but said it would change as every day the LATE FEE would accrue interest

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 12/30/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Credit limit changed

Complaint: Complaint against XXXX XXXX RE : Loan Management Account Broker : XXXX XXXX, XXXX XXXX, NJ SUMMARY : Loan Management Account established in XX/XX/XXXX XXXX XXXX and XXXX XXXX XXXX did not enforce the stipulated amount regulated for Trusts and Individuals on the XXXX XXXX website. The loan amount should be limited to XXXX for individuals. ( see below link and quote from the XXXX XXXX website ) My XXXX account was allowed to hemorrhage ; become over leveraged and my investments went from XXXX in deposits to a final balance of $ XXXX. I used some of the XXXX balance but I was living off the XXXX since I am XXXX with XXXX XXXX XXXX XXXX. The Loan Management Account is not a suitable vehicle for an older woman who has no other source of income. I learned this too late. When my husband XXXX in XX/XX/XXXX I agreed to assume the loan balance of approx. XXXX but at that point I should NOT have been allowed to leverage any more of my investments. 

ML OFFICIAL LOAN MANAGEMENT DESCRIPTION : XXXX XXXX XXXX " The XXXX account is an  uncommitted facility, although loans to individuals and trusts may be  committed in an amount not to exceed {$100000.00}. The Bank may demand full or partial repayment at any time and any commitment may be immediately terminated. '' I recently became aware of this regulation limiting the loan amount to individuals. 
Not only did the loan balance exceed XXXX but my entire set of funds were used as collateral. XXXX XXXX charged interest on the loan balance from approximately 3.3 % to 4.4 %. 

In XX/XX/XXXX and XX/XX/XXXX I communicated with FINRA and requested mediation with XX/XX/XXXX through FINRA. XXXX XXXX denied my request and blames the destruction of my resources to my spending. As previously said I was living off my investments. I paid for my son 's wedding. Spending is not the issue. XXXX XXXX broke their own law by over leveraging my Loan Management Account. If the XXXX XXXX stipulated limit of XXXX for individuals was honored and enforced I would not have lost all of my funds. 

Essentially the Loan Management Account became a runaway train that eventually crashed. My Loan Management Account was not properly supervised and not lawfully enforced. 

Thank you.

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 03/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with United Revenue Corporation (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Under the Health Insurance Portability and Accountability Act ( HIPAA ), I am allowed to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. UNITED REVENUE CORP has a collection account placed on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I sent the attached information to Equifax, CMRRR via  USPS, as well as faxed 3 times, in support of my 605B block request. Equifax states they received it, but only 1 page and my social security card.

I asked how they could lose my information so many times. They advised that the mailroom scans and then shreds the papers. However, my information is not being delivered to Equifax fraud investigators, no matter how I send it. This is unacceptable. I have been fighting this fraud for over a year. Equifax will not provide an address to send items signature required, so I have no way to ensure my information is received. I have given plenty of chances for Equifax to address this with the methods provided.

I am also unable to submit this information online, as I am blocked from doing so on their website. I am unable to view my credit report even though I pay monthly for it. I am unable to purchase my report. I am unable to use the dispute system. This ca n't be legal.

I am attaching the documents I have been sending directly to this complaint. That way, the CFPB can deliver them. Maybe they wo n't shred my life away this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-02-2015 about Student loan (Non-federal student loan) with KEYCORP (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Originally complained about numerous harassing phone calls ( # XXXX ) and, due to unemployment, how Key Bank refused to allow forbearance. Now, they have reported to the credit bureaus that I am 90 days late ( affecting credit score from XXXX to XXXX ), which is erroneous. Some month payments are doubled. I asked numerous times for a forbearance ( due to unemployment/ hardship XXXX XXXX to XXXX ) and was refused. Monthly payment is {$160.00}. The following are the payments made:XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$320.00}, XXXX/XXXX/XXXX - {$320.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$320.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$320.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Universal Fidelity LP (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: COLLECTOR KEPT CALLING MY FAMILY AND AT WORK 16 TIMES IN 30 DAYS AND BILLING FOR A DEBT NOT MINE.

Company response to consumer: Closed with explanation