milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/19/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Mid land continues to re age my account the XXXX XXXX debt was {$900.00}. They keep trying to increase the amount and keep changing the account open date. 
XXXX XXXX card was from XX/XX/XXXX and was paid off in XX/XX/XXXX. It was XXXX XXXX issued card under XXXX XXXX. 
Here is how it appears on my credit report : MIDLAND FUNDING LLC {$2100.00} $ XXXX Your Account WithMIDLAND FUNDING LLCCall ( XXXX ) XXXX or Visit Agency XXXX account reported on XXXX XXXX, XXXX account reported on XXXX XXXX, XXXX # XXXX $ XXXX XXXX XXXXOriginal Creditor $ XXXX BalanceXXXX XXXX XXXX DateXXXX XXXX, XXXX ReportedIndividualResponsibilityPlaced for collectionRemarksNoteSee something wrong? 

Learn more about how to dispute items on your credit report. 
OpenAccount # XXXX $ XXXX XXXX XXXXOriginal Creditor $ XXXX BalanceXXXX XXXX, XXXX DateXXXX XXXX, XXXX ReportedIndividual Account. 
ResponsibilityCollection accountRemarksNoteSee something wrong?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 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: Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' " Criminals took  advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXXof this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' Through it 's own internal systems, the information I provided stated that I was affected by the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Hello, I have been a victim of False Impersonation. I have a copy of my police report on file with the XXXX Police Department and I have a case number that I received from the FTC when i registered a claim with as it relates to the fraudulent activity. In addition all XXXX major credit bureaus have a certified copy of my police and a fraud affidavit. With that being said, i was advised to request a Freeze from the credit bureaus to prevent further fraudulent activity. I did for about two years. It was my understanding that no one would be able to access my credit unless i provided them with my access code. I received written confirmation in the mail that my credit file was BLOCKED from all XXXX bureaus. 

However, my complaint is the Equifax said they blocked my file but they still allowed unknown/authorized creditors have access to my credit file and add inquiries to my credit history. I have requested the UNAUTHORIZED inquiries be removed and instead of Equifax investigating and ascertaining the matter they said my investigation was complete after XXXX hours of receiving my dispute ... .. they said Inquiries are factual data??? 
My point is what was the person of my file being blocked if UNAUTHORIZED person/persons still had access to it? 

I am requesting the XXXX inquires be removed from my history XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On Friday, XXXX XXXX, XXXX, I was informed that my home loan was no longer an FHA loan. I want the loan servicer to tell me and provide supporting documents as to why my loan type was changed without informing me and what type of loan do I have currently? How are so many major changes occurring without my knowledge or authorization? In addition to the fact that my mortgage was among the note reassigned through XXXX How can robo signed be justifiable with such a large purchase. A mortgage is too technical and large of a purchase to pull a robo signing stunt in order to rush through the process. I disagree with robo signing mortgage documents. I am requesting docuents regarding title deed, what type of loan I current have, XXXX documents, and all documents that have been generated regarding my property from XXXX XXXX to the current date.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Debt collection (Medical) with GOLD KEY CREDIT, INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I checked my credit repot to see that Florida XXXX XXXX says I owed a debt for a emergency room visit XXXX/XXXX/14. I presented insurance at the time of the vist and was told my insurance would be billed. After contacting the insurance company they stated that Florida XXXX XXXX was not paid due to the fact that there information was not updated with the insurance company. I then called Florida XXXX XXXX billing and notified them why they were not paid. A few days later I was contacted by florida XXXX saying that they updated the insurance company and would be paid by them. I asked to remove the inaccurate information regarding that I owed the debt and they refused. I stated that I was not notified of this debt formally and I request proof of any certified mail stating I accepted mail stating that I was in debt and they said that they have nothing proving the fact. I have contacted them demand verfication of this debt and have not received a response. I have contacted the major credit reporting agencies and disuted the debt and still I am awaiting a response. 

Florida XXXX XXXX violted the FCRA and reported inaccurate debt information on my credit report and now refuse to remove it after numerous attempts at resolving this issue. 

Due to there inability to provide accurate information the insurance company I was subject to a negative credit review and unfairly refused services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (MN).
Issue: Deposits and withdrawals

Complaint: Paypal limited my account for no valid reason. They are holding my money hostage, which I earned from ebay sales, fraudulently. I need this money to provide for my business and my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Hunter warfield is refusing to return a {$500.00} check that was mailed to them to settle the debt and remove their collections from all credit bureaus. 
Hunter warfield has stated that they were hired by a separate company to collect debt on their clients behalf. I have spoken with a collections agent as well as the supervisor and neither have been very helpful in resolving the issue regarding my delinquent account. I have sent a pay for deletion letter certified mail to the corporate hunter warfield office and have received no type of response or acknowledgement that my cashiers was received as well as my letter. The cashiers check of XXXX dollars was sent as a settlement amount for the debt they were trying to collect on. I stated in the letter that if the settlement amount was acceptable they were free to cash the check as long as the debt was removed from all XXXX credit bureaus that they were reporting to. It has been past a month and my check has not been returned nor has my collection account been removed from my reports. 

I have received constant increases on my debt since contact which i believe to be a harassing method of collecting on a debt. After my cashiers check was mailed my debt increased on my credit report from the amount of {$2100.00} to the amount of {$2100.00} on XX/XX/2017 via my XXXX account. The following week i received yet another increase on my debt from the amount of {$2100.00} to {$2100.00}. I am now in fear that the supervisor i spoke with by the name of XXXX has increased my debt continually as a way to negatively hurt my credit report until I pay the settlement amount or agree to let him keep my check without resolving my debt.

Company response to consumer: Closed
Consumer complaint received 04/24/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: An account holder at  XXXX , took funds illegally from my bank account ( TD bank ) on the following dates.    X/XX/17    for {$50.00}  X/X/17    for {$50.00}   XXXX     for {$50.00}  X/XX/17    for {$50.00}  X/XX/17    for {$50.00}   XXXX     for {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Bank account or service (Savings account) with ASTORIA BANK (NY).
Issue: Account opening, closing, or management

Complaint: Astoria Federal Savings Bank now know as Astoria Bank on or about XXXX XXXX, 2003 and XXXX XXXX, 2003 accepted Powers of Attorneys on behalf on my late now mother XXXX XXXX which are questionable and exposed me to serious damages in an amount of {$110000.00} and other loss of home, property. 

The bank exposed me as well they failed to disclose the XXXX XXXX, 2003 power of attorney that was a joint XXXX with XXXX agent residing in XXXX which would cause issue if she left and other. It did cause a problem then was revoked but what was found out is that the joint power of attorney dated XXXX XXXX, 2003 was not effective it was not properly notarized, dated and acknowledged the attorney who prepared it wronged my mother and me as well. Why did the bank not reject this at said time but rather allowed us both to withdraw funds that then my sibling sue me over how so. 

Then the XXXX XXXX, 2003 power of attorney was missing a page the Affidavit of Attorney in fact, why did the bank accept it if a page was missing and or not effectuated at said time. Please inquire I gave them ample opportunities but they chose to ignore again and again only having my sibling XXXX go into court to sue me said powers that may HAVE XXXX BEEN QUESTIONABE, NOT EFFECTIVE NOT PROEPRLY DRAFTED OR OTHER, THE BANK ACCEPTED MAINLY THE FIRST POWER OF ATTORNEY THE JOINT XXXX THAT WAS VOID HOW COULD THEY DO SO, AND EXPOSED ME TO SERIOUS INJURY AMOUNTING IN THOUSANDS.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Credit reporting () with Alliance Data Card Services (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed inquiries that were not made by me however I have not heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent the attached letter to Equifax on XX/XX/17 requesting an investigation into unknown unauthorized inquiries that have been placed on my report. I have called these places listed and none were able to locate anywhere in their systems where I applied for or allowed my credit to be viewed. I received a response ( attached ) from Equifax that does n't indicate any result of their investigation even well past FCRA time frame allowed for investigation. These inquiries need to be removed. I have attached my Driver 's License and Social Security Card as well. Any name, address, social, or personal information that is on my report that does not match, needs to be immediately removed to be compliant. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: while i was purchasing my home i applied for homeowner insurance i submitted XXXX different quote from XXXX different companies naturally my lender went with the lower of the XXXX the other company was notified they are trying to collect XXXX dollars for covering the house when in fact it was insured by state farm already

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There has never been a XXXX XXXX card or account that is a fact.

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 12/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hi guys how you doing, well what happened was that i saw my credit score drop XXXX points on XXXX XXXX so when i look in to it i saw XXXX new hard inquiries XXXX/XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX XX/XX/XXXX Please i need your help clearing this. I did not apply for or request credit from neither one. Thank you and Happy Holidays.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Mortgage (FHA mortgage) with LoanCare, LLC (UT).
Issue: Loan modification,collection,foreclosure

Complaint: I already have a complaint opened against loancare, complaint # XXXX due the way they have have treated me ... and the complaint has done nothing! First, they have yet to respond to my first complaint, and second, when either myself of my authorized third party calls in ... we just get the run-around. Both myself and my authorized third party has called in 6 times within a 45 minute period only to be transferred to the bankruptcy department where I sit on hold for 10 minutes only to have someone answer the call and hang up. I call back, and I 'm told that I am being transferred to loss mitigation, and no one answers the phone ... I just get a random persons voice mail ... i leave a message do n't get a call back. My Authorized third party calls in, and all of a sudden loan care ca n't find the authorization I signed ... and Lastly, I still have yet been told who my loan file is assigned to? Is my loan not supposed to be assigned to a single person? ... I submitted a complete request for mortgage assistance to fax # XXXX on XX/XX/2016. I received fax confirmation that it has been received, I ca n't speak with anyone at loancare ... and when I ask to speak with management all they do is put me on hold forever until I hang up. This is ridiculous! ... they are messing with my home, please help! This is what has been happening for the last 2 years! This is why people lose their homes! Please help more than just forwarding this complaint to Loancare and think they will do anything.

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. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/17 I was notified that there was a security breach of Equifax. Upon the suggestion of people more educated than I, I clicked on this link : https : //www.equifaxsecurity2017.com/XXXX to determine the potential impact this hacking might have on me. After submitting my information, the result was : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I am now in the process of monitoring my credit for fraud that Equifax has exposed me to.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Debt collection (Credit card) with DISCOVER BANK (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I had a credit card from Discover that was charged off XX/XX/XXXX. The account was then later sold to a Florida entity named XXXX XXXX. Around from XX/XX/XXXX to XX/XX/XXXX I was on a XXXX. Upon my return a year later with no prior correspondence the collection company served my roommate. I showed up to court and made payment arrangements that were inflated with interests. While I was making payment, I called in and inquired about making a payment that consisted of a large sum to be distributed evenly across a number of months. The representative on the phone accepted the payment and they defaulted me the following month for non-payment. I was a student and not working, they placed a lien on my bank account. I had a lawyer submit a file to remove the lien and told them he would be representing me from that point forward. Since then, the attorney has n't received neither calls nor correspondence from XXXX XXXX , XXXX, neither have I. On Monday XX/XX/XXXX, at about XXXX XXXX a sheriff showed up to my apartment with a court execution order to levy my property. He parked behind my car and forbade me to leave the premises without handing over my car keys unless I wrote him a check for {$4600.00}. I pleaded with them that this car is how I earn my income as a ride share driver, he called a town truck and impounded the car with a notice to resolve the matter in 45 days or the car would be sold. Since then I have filed a Notice to Defendant of Right Against Garnishment, Wages, Money, and Other Property. I contacted the collection agency and the person handling the case advised me to have my lawyer contact them. He has tried for the past three weeks and has n't successfully spoken to anyone except for a secretary who told him someone will return his call. It appears I have n't been giving any choice in this matter. I was under the impression they 'd want their money but instead they rather have me suffer and not earning an income. I do n't understand how this is justifiable. I 'm going 21 days without my car. It 's costing me {$32.00} per day on average to travel to a per Diem job where I 'm only earning {$85.00} before tax. My hands are tied at this point, I just want to resolve this issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This credit reporting bureau is reporting incorrect information under a XXXX credit card that was closed many years ago. There is a very old credit card still displayed on my credit file which is showing a 30 day late payment. The late is displayed in XX/XX/2010. I wrote a letter asking Equifax to completely delete this account and I have not received a response and this account continues to display incorrect information that can not even be verified. I called XXXX and was informed by them that these late were not verifiable and no longer on record an that Equifax will remove the account completely. But they have yet to do this. I am suffering financially because of This false reporting and this falsely delinquent account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Problems caused by my funds being low

Complaint: Recently, PNC bank overdrafted my account on a transaction that was {$12.00} over what I had in my account. I specifically set up an alert so I could get to my bank in time to deposit money in the account ; but did not receive the alert until XXXX the next morning ; by which time, they had already charged me a {$36.00} overdraft fee. They said that I should open a savings account with them to have overdraft protection. I explained that I choose to have a savings account at a credit union, which gives me a higher interest rate. How about they change their policies and decline the transactions ( including electronic payments as well as recurring payments ) that would cause me to overdraft? 

I 've had this issue with PNC before, and think how they treat their customers is outrageous. This is the last time I 'll ever be paying them an overdraft fee. Instead, I will open a bank account somewhere else to give my hard earned money too. This is the last time PNC gets it. They consistently XXXX me off with their undermining tactics to steal money from their clients. Why should I stay with a bank that will do so?

Company response to consumer: Closed with explanation