milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/18/2016 about Credit reporting () with Experian Information Solutions Inc. (IA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX/XXXX/2015 XXXX XXXX requested a hard inquiry on my credit report and this was not authorized by me, this is making it difficult for me to obtain new credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX times per day, sometimes several different phone numbers even if just 1 day late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: On XXXX XXXX, 2016 I attempted to get my XXXX Free Credit Reports on XXXX. However, only XXXX opened and I was able to print. I received an error message for Trans Union and XXXX. I requested TransUnion & XXXX by email directly from XXXX, on their website, on the " Contact Us '' page. 
I explained on XXXX XXXX, 2016, I requested my free XXXX major credit reports through XXXX. Only the XXXX Credit Report was received and printed on XXXX XXXX, 2016. When I attempted to open and print Trans Union I received an error message, which was exactly the same result when attempting to open and print XXXX 
They replied by mail and stated I had already received my XXXX report, however I could purchase another copy for XXXX. I have n't heard from Trans Union. 
I also called the customer contact number, left a message stating the same problem. Never received an email in response as requested. I did state how ridiculous a XXXX copy request would be, if I already had my annual credit report. This is a lot of inconvenience and time consuming tasks, especially if XXXX grants another copy. 
My problem is paying for the reports. I have to borrow XXXX, due to my total disposable income is XXXX per month. 
It has taken weeks to get a reply, therefore stalling everything unnecessarily.

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 04-10-2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXXXXXX XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately.

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 12/22/2017 about Debt collection (Other debt) with Protas, Spivok & Collins, LLC (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: received a letter from my employer that I was under a wage garnishment. Did not receive any letter for a court hearing, did not receive any letter that a wage garnishment was granted or the amount of the wage garnishment. I checked Maryland judiciary case search and found it was from XXXX XXXX XXXX and my debt was sold to XXXX XXXX XXXX XXXX Attorneys at Law XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. Payments began to come out of my pay check inXX/XX/XXXX. I paid an amount of {$1900.00} in the year XX/XX/XXXX. The garnishment continued intoXX/XX/XXXX. To date ( XX/XX/XXXX my amount of debt paid is {$6800.00} I requested a court hearing to stop or modify the payments due to hardship in my family. XXXX XXXX appeared for the court hearing on XX/XX/XXXX and agreed to modify my payments. After receiving my next check I noticed the payments did not change., I called XXXX XXXX office on the following dates : XX/XX/XXXXand XX/XX/XXXX. On every occasion I was refused to be allowed to speak with XXXX whom I conversed with in court. I left messages for him on every date listed above with no return call or email. On XX/XX/XXXX I called the office of XXXX XXXX XXXX again and explained to the receptionist that according to the judgement amount on Maryland case search I had overpaid by {$130.00}. she put me through to the paralegal who refused to give me the total amount of my debt with their company and he would only discuss it with my employer. I asked him why he would not disclose this information as its my case and my wages that are being garnished and he repeated to have my employer call. He intentionally deceived me by refusing to give me the total amount of my debt so I could confirm the amount I have paid and what is still owed. To this day I have had no respose from XXXX XXXX XXXX office regarding this matter.

Company response to consumer: Untimely response
Consumer complaint received 01/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Razor Capital, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On Thursday, XX/XX/2016 Razor Capital , LLC filled a Small Claims General Civil suit against me in XXXX County Magistrate Court on behalf of XXXX ( Attorney for Plaintiff ) Bar # : XXXX. I do not own this alleged debt And I wish that this debt collector close this case against me and contact my FDCPA attorney XXXX, CA XXXX Phone : XXXX resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/2015 I voluntarily surrendered my vehicle in question to XXXX XXXX, this is the first thing they are showing incorrectly. Second I was never late on a payment. Third they have sold this account to a collection agency XXXX XXXX XXXX so now XXXX XXXX and XXXX XXXX XXXX are showing on my credit reports. I have disputed this several times through the credit bureau 's and called XXXX XXXX on many occasions to no avail. I 'm not saying its not my account, just one needs to be removed or the other reporting correctly.

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 03/21/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not owe Common Wealth Financial for a debt. I did not go to the hospital on the date they have listed for this transaction XXXX/XXXX/2013. I have had to dispute items with them before and they were removed because they were placed in their office in error and I believe that this had been placed within there office as an error again as well. I have a previous letter of Placement in error from them for past issue with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have filed several complaints to this company and they insist on charging the wrong amount. It 's a healthcare debt for which my insurance has guaranteed I do not owe as much as the debt collection agency says I owe. The debt collection agency says the health insurance does n't cover it, which does n't make sense because the health insurance says that I do. I am unsure what road I should take now

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (VA).
Issue: Managing the loan or lease

Complaint: I had an auto loan with Wells Fargo- originated when I lived in NY and purchased a vehicle there. I lived in VA when I paid off the loan, and received a letter from Wells Fargo at my Virginia address stating they would send me the title at my VA address. That did not happen. This week I purchased a new car and need to transfer the title to the old car, the one I bought with Wells Fargo loan. VA DMV says Wells Fargo maintains an e-lien hold on it and Wells Fargo needs to remove it. Wells Fargo says this is an issue for NY. I have no way to get my title cleared at VA DMV ; both NY and VA insist this is a Wells Fargo issue. I have been in to several branches and spent hours on the phone with these people over several days. 

I am bounced from one " team member '' to another with nobody able to help me. They are taking advantage of me and waiting for me to give up instead of fixing the problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2017 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: I am extremely concerned about Equifax 's massive failure to safeguard my personal information. In addition, the entire system of credit reporting and security in this country needs to be overhauled. It is ridiculous that I have to pay a {$10.00} fee to freeze and unfreeze each one of my credit reports. What 's more, these credit bureaus do n't even consider me a customer. They should charge the potential lenders the fee, not me. If you made this simple change to the laws, then this would cut down on 99 % of the identity theft. Currently, it does n't cost the thieves anything to make unlimited attempts to steal my identity. But if they were forced to pay {$20.00} to attempt to access a credit report, it would cut down that activity significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (Credit card debt) with BB&T CORPORATION (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX a total of {$1400.00} was taken from two personal accounts as an off-set recovery for a debt owed by an XXXX. I was a member of the XXXX along with my husband. When the XXXX was opened in XX/XX/XXXX a bank account and business credit card was opened with Branch Banking and Trust ( BB & T ). The credit card was in default after a steep decline in business revenue and the XXXX  was in the process of being dissolved. I personally bank with BB & T and on the morning of XX/XX/XXXX, I noticed my personal bank accounts had money extracted from them as an off-set recovery for the XXXX 's credit card. I believe that the bank had no right to collect monies owed by the XXXX through my personal earnings. My earnings are from a full-time job that is not part of the dissolved business/XXXX. I 've contact the bank and spoke with XXXX XXXX, Market Leader III who called BB & T on my behalf as she too was under the impression that they could not collect against an XXXX She also noticed that the business/XXXX bank account had been set up improperly.

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 04/27/2017 about Debt collection (Other debt) with Rhojo Enterprises, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I opened a complaint against this company yesterday. It was closed after they sent documentation. The documents they sent dont bear my address I had while stationed there nor is that my signature. I lived in  XXXX  from  XXXX  to   XXXX  . Prior to leaving overseas, a checklist has to be completed showing all local debts paid in order for orders to be given to leave the location. I lost my wallet twice while in  XXXX , I also stayed in base barracks, Im not sure where this address is that is shown on the bill but it is not mine. It is obvious I have been a victim of identity theft. all my debts were paid prior to leaving, it is a requirement. This is not how veterans should be treated and I ask that you do due diligence in verifying these documents. They are not mine, here it is six years later and Im having to deal with this.

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 01/18/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: I ordered a DVD on XX/XX/XXXXonline. I tried to cancel the order but XXXX said I only have 1 hr after ordering to cancel. It was now 3 hrs  after. I wanted to get a DVD for my son for XXXX. Today is XX/XX/XXXX, I have never received the DVD nor have I been able to get my {$11.00} back. Chase bank says that they do n't have any recovery rights. I have called XXXX 44 times. They would not give me any information about the seller, then on later calls they wo n't file a claim for me. On XX/XX/XXXX a guy name XXXX supposedly fild a claim but he lied. I have called 10 times today, I was put on hold for an hour and 1/2. Only to have them hang up on me. How can I get my money back?

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Submitted to trans union on line and in writing on more than one occasion that my credit was pulled in error on XXXX/XXXX/XXXX by various automobile financing companies. I provided them with information that would help resolve the matter. XXXX XXXX, general manage at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AL XXXX, XXXX spoke with each of the bureaus when this began last year. Each told him I would have to dispute with them. I did, I was told on each occasion that I would need to contact the companies directly. If trans union had contacted XXXX XXXX, he would have verified this was indeed done in error and they could have removed the items. They failed to do this. I checked failed to get proper notice since none of the options were exactly what happened. They failed to investigate 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 03/13/2017 about Mortgage (Home equity loan or line of credit) with Real Time Resolutions, Inc. (CA).
Issue: Settlement process and costs

Complaint: Real Time Resolutions with respects to loan # XXXX has not provided us with any payment records amounts or dates. Also CA has the One Action Rule CCP 726, CCP 580 we are raising the objection to collection based on CA 4 year Statues of Limitations also there is no deficiency judgement. Real Time ( RTR ) filed erroneous documents under penalty of perjury In claim # 1 in Bankruptcy Case No : XXXX XXXX CA. XXXX XXXX with false payment amounts no dates and piece together untrue loan documents, under penalty of perjury. We a seeking Sanctions to be imposed on Real Time Resolutions ( RTR ) for harassing and violating The Fair Debt Collections Act. And filing pieced together false loan documents with no dates, under penalty of perjury.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

Regards

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a balance with XXXX XXXX and paid it but Focus receivables management continues to call and does not remove the item off my credit report and it is causing a negative mark on my report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I received an email from CFPB that they had reviewed my complaint that I submitted and sent it to the company ( Equifax ) for a response. The company ( Equifax ) was unable to respond to my complaint because they believe that I was a victim of fraud. Also, I have to contact the company ( Equifax ) directly for more information. I have contacted the company ( Equifax ) about this issue. I had the police to do me a report about what happen to my identity. They file an incident report instead of an regular police report. Where I stay, they do an incident report when you come to them and tell them that someone has stolen your SSN #. When I called Equifax, they ask me to fax over the report and I did. The last time I talk to a rep, he stated that I had to get the police to file another report saying " police report '' instead of " incident report ''. To me it should not matter, because it has on the incident report that I reported that someone stole my SSN #. I have called Equifax many times about this and they are not showing an results about deleting the hard inquiries off of my credit report. I feel that they need to have this removed. If the hard inquiries does not get remove then I will have to take legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (I do not know) with CREDIT BUREAU ASSOCIATES-NORTHEAST, INC. (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Credit Bureau Associates NE for the amount of {$11000.00}, I have sent Credit Bureau Associates NE a Debt Validation and they have not responded. I have no knowledge of this alledged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This company serviced my student loan collection thru XXXX XXXX. At which time the servicing was transferred ( per the XXXX ) to XXXX. I paid this load off on XXXX XXXX, XXXX and XXXX XXXX is still reporting this loan as open and late. Last update was XXXX XXXX, XXXX. I disputed with Transunion because XXXX is reporting this correctly so why is Transunion Not? I have aletter from the XXXX showing this payment in full. This issue has cause substantial hardships to me is showing as Mortgage ready. On XXXX XXXX XXXX the mortgage broker I have been working with made the following comment to me. " Looks like the only issue you have is that Student Loan '.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2016 about Mortgage (Conventional fixed mortgage) with FIRST NATIONAL BANK OF OMAHA (NE).
Issue: Application, originator, mortgage broker

Complaint: XXXX at XXXX XXXX Bank in XXXX, Nebraska XXXX offered a rate match for our mortgage verbally. I sent all documentation to him as requested, including the rate documentation from our credit union. Three weeks later, after many inquires of rate locks he told me they are now unable to match the rate. We are now at risk of not having a mortgage at the closing of our new home.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: For the past 4 months I am repeatedly being charged for an item I did not order through my Capital One XXXX card. I have called each month to dispute the item and it 's reported to fraud and removed and then the following month I 'm being charged again for it. So each month I 'm having to call, talk to the representative, then fraud department, close my current card and issue a new number only to have the same charge applied once again to my new card. This has been lingering for months and I 'm getting tired of calling Capital One to resolve this issue. They always say they 'll make sure it 'll stop but this week the company attempted to charge me again twice in one week! The first attempt was on Monday, XXXX XXXX, 2017 and the charge was declined because I 'm almost a my full credit limit so the charge was denied. Then yesterday, XXXX XXXX, 2017 they merchant attempted to charge me once again but as I stated previously at being near my limit it was declined once again. It seems this merchant is being more and more aggressive with their attempts to charge me. I called Capital One XXXX today, XXXX XXXX, 2017 to inform them that the same merchant attempted twice to charge me. Capital One has admitted that they can block this merchant and have confirmed they have done so with my account but yet this continues to happen each month. Now with the merchants more aggressive tactics I 'm scared it will get worse, so I 'm hoping reaching out today and reaching the correct channel will finally resolve this issue once and for all.

Company response to consumer: Closed with explanation