milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/15/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have been a victim of identity theft. In XXXX 2015 I was reviewing my XXXX account and noted that a Hard Inquiry had been made from Capitol One ( a financial institution which issues credit cards ) and was listed on my credit report with XXXX and XXXX accounts andalso in my personal information a new residence address had been added. I never contacted Capitol One and requested credit and I have lived at the same address for over XXXX years and have not moved. I am requesting that the Hard Inquiry from Capitol One be removed as I never requested credit from them from all credit agencies specifically XXXX, XXXX and XXXX. I am also requesting that the fraudulent address which was added to my credit report personal information be removed. Capitol One Bank has contacted me and I informed them that I never contacted them and requested credit and I needed the Hard Inquiry they had reported to the credit agencies removed which was removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My credit information, personal identifying information, and financial history were compromised in the XXXX Equifax breach. As a result I 've placed security freezes with the XXXX credit agencies, totaling {$31.00} in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (Federal student loan) with Performant Financial Corporation (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Performant Recovery Inc is trying to collect a student loan debt that is not mine. They have contacted me periodically over the years and each time I thought this issue was resolved because I have paid all of my student loans on time and in full. They are assigning a debt of a person who has a close name to mine but her middle name is XXXX. She was also born in XX/XX/XXXX which is far before my birth year. They are contacting me by mail as well as my cell phone. I also believe they are trying to phish for my social security number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was ordering airplane tickets on XXXX when this popup stated if I applied for a credit card I would get {$100.00} off on my tickets. I had already picked out my dates, entered the names birthdates, seating and bag information. I was at the payment phase when the popup displayed. So I took advantage of the offer but when I completed the credit form it did n't take me back to check my order when I was approved. It just checked me out and charged the card. I never got a card number or a phone number to call. When I saw my confirmation it changed the flight day to the day I bought the tickets. Allegiant terms of services said 24-hour notification or no refund. I could not call or reach anyone and we started getting notifications that the plane was ready to leave. I tried to cancel the return ticket and it never fully canceled and notified us to board the plane for a return. I still do not know the card number or who to call. XXXX does n't have a phone number on their website. I sent an email with no reply. I think I now have a debt of {$700.00} for something I never ordered. I picked XX/XX/XXXX and it changed it at checkout to XX/XX/XXXX of the same day. I feel I was frauded because of their 24-hour cancellation policy. I can provide the PDF confirmation. But it only shows the last four digits.

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 01-05-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: equifax was correctly reporting an account-american honda fiinance from XX/XX/XXXX to around XX/XX/XXXX on their report @ XXXX this account was reported correctly as included in chapter XXXX bankruptcy, but around XX/XX/XXXX, they removed the included in bankruptcy and they started showing current late or missed payments, when i disputed the item i included a copy of the bankruptcy listing american honda finance but the result of their investgation claims that XXXX claims that they are reporting the item correctly and they informed me that it does not make any difference what i provided to them as they do not make an changes based on any documents that i provide but only in what the company reports, i have spoken to XXXX XXXX and they indicated that they are reporting correctly to all credit reporting agencies and that is " included in bankruptcy '' and they do not know why is equifax reporting something different, note that transunion and experian are reporting the item correctly as " included in bankruptcy. i asked equifax to provide the document from XXXX XXXX showing late current payments so i can provide tham to XXXX XXXX but they would not provided it. 
i am in the process of purchasing a home and score from equifax went down XXXX points in XX/XX/XXXX after they made the change to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: My credit score has gone down XXXX points in the last month - from the mid XXXX 's to the mid XXXX 's. I requested and reviewed reports from all XXXX credit reporting agencies and I can not find a significant reason for the significant decrease in my score. Please help me.

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 12-05-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: PORTFOLIO CAPIT ACCOUNT NUMBERs : XXXX AND XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you PORTFOLIO XXXX or any company associate with this account # XXXX AND XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PORTFOLIO XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I am currently being sued for a debt threw Lvnv Funding LLC for a apparent debt for a card XXXX a debt that I believe my ex wife took out in my name while she was a girl friend just be for we was married and I gave the attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX phone number XXXX XXXX XXXX the information of who I suspect committed identity theft along along with another credit card paper threw XXXX XXXX that completed an investigation and found no cause of me activation a card threw them and completing there investigation and closing it.Also with suspected ideas of how my information was found to be used from old XXXX tax 's forms and old job applications and they have yet to believe and insist to still proceed with sueing me I have also requested documentation for the activation of the card and something with my signature showing that I was then XXXX that has opened the account as proof that it was not me and it was someone using my information and they have yet to provide such documents so I request for a full and thoroughly investigation to help prove that I am a victim of identity theft please and thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a XXXX service and i finished the contract before time. They have a 2 years contact. I had to finish my service because first of all they lie to me about pricing, and the quality of service. First, they gave me a price and the bills charged me the double of the price offered to me. Second, they said that the service was the best even with rain or winds, signal never would be lost. That was a lie and they even had to take that commercial tv off. With a couple of drops of rain and a little bit of rain signal was lost for hours. I did n't like being insulted that way. So, i decided to terminate my service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Midland Funding to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The following companies, and their customer service would not help and take care of the negative inquiries reported to your credit report. I have disputed information on numerous occassions, and these inquiries were done quite excessively. 

XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Also the account with Santander Consumer USA has been closed as of XX/XX/XXXX and they have sold the vehicle without my knowledge of doing so, and have an incorrect amount listed that is due.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have sent a letter numerous times to Transunion requesting they remove a hard inquiry from my account. The inquiry is from XXXX XXXX XXXX. I called the company as I had never heard from them before and they claim my name was on something else from another one of their companies and their secretary made a mistake. They wrote a letter to Transunion back on XXXX XXXX, 2016 telling them it was a mistake and to remove the hard inquiry. They further explained to me that they never even got a report from Transunion as they did not submit the request with any information ( DOB, SS #, etc. ) as they did not have that information to submit. I have filed numerous requests with Transunion to remove this hard inquiry and they simply ignore my request by sending me a copy of my credit report. I 'm getting pretty tired of this and do not understand how they are allowed to ignore these things or simply not respond to a concern. This is not appropriate and I am asking for your help to address this wrong doing on Transunion 's part. 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 non-monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TD BANK US HOLDING COMPANY (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: For about 2-3 years Ive received ads from TD Bank regarding HELOCs. I do not own a home. I have no idea where they got the idea that I own a home. I submitted a written request ( secure email via my XXXX ) on XXXX to opt out of solicitation. It took the company 4 days to respond to my request. A XXXX ( no other identifying information ) refused to help me via secure email. I had to call their 800 #. I waited on the phone over 20 minutes to speak with a most unpleasant representative. I have absolutely no faith that Ive been removed from their marketing lists.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: While checking my credit report I discovered a collection account from an unknown collector. I have received no phone call from this agency nor any written communication regarding this debt. This company is reporting a debt to the major credit bureaus and thay have not contacted me nor have I been given the right to dispute this unknown debt.

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 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have sent in inquire letters, and called nothing was resolved. 
XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fcu XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My house insurance score in MI was lower than I expected and XXXX of the rating codes stated I had collections and past due amounts. Seeing this, I logged on to request a Experian report. On the report is a collection agency attempting a collection but its not an account that I ever opened

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 03/19/2017 about Credit card () with CITIBANK, N.A. (NM).
Issue: Billing statement

Complaint: Received a call from Citibank regarding a Citibusiness credit card. XXXX payment was not made 10 days ago. I checked and I never received a statement. I asked them to verify where the statement was mailed. The address they gave me was from 3 1/2 years ago. I have been receiving all my statements at my current address prior to this. I authorized payment for the amount they needed to keep my payments current, now I am in the process of disputing the late fee and extra interest they charged me as well as trying to get a copy of the statement I never received. This is such a bad practice especially when it seems to be done a XXXX end for most businesses and there is no logical reason that my address would be changed back to XXXX I lived at 3 1/2 years ago.

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 10/30/2015 about Prepaid card (Mobile wallet) with Blackhawk Network Holdings Inc. (NC).
Issue: Fraud or scam

Complaint: XXXX refunded a transaction for {$68.00} back to my GoWallet VISA. The money has not shown up in my GoWallet balance. When I called GoWallet they said that they do not have my refund and XXXX was lying. They said I had to start a recovery process with GoWallet that would take 90 days to process. When I asked to start that process to recover my missing refund they said they could not because the support people do n't have time. This seems to be a scam service that is hoping I will give up. Please help me. I can not afford to loose my money.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a Hard Inquiry on my Equifax report on XXXX XXXX from XXXX. I believe this is from a XXXX XXXX card I ordered, however I was assured by XXXX that they would only perform a Soft Inquiry. I do not know who XXXX is and the only card I applied for in XXXX was XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Mortgage (Conventional home mortgage) with BB&T CORPORATION (VA).
Issue: Closing on a mortgage

Complaint: I filed a case CFPB Case Number XXXX on XXXX XXXX, XXXX about issues with XXXX XXXX XXXX XXXX. They responded that the loan was sold to them by XXXX XXXX XXXX under false pretenses because XXXX XXXX XXXX was a 2nd not the first on the loan. BB & T was the first. We are  now working with BB & T to try to close this short sale. BB & T has a XXXX XXXX, XXXX foreclosure date. XXXX is not responding to calls from the lawyers to release/return/settle so that the sale can go through. I need help getting BB & T to move the foreclosure date out so that a reasonable closing can be processed. I could also use help getting XXXX to settle this loan with BB & T. 
XXXX is at XXXX XXXX XXXX XXXX, Va XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Titan Receivables, Inc. (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My Husband and I had a friend who was in jail we hired a bail bonds co to have him released. The bond was an un secured bond so we did not need to put up any collareteral. We paid the bond co {$1500.00} cash. If our friend fled the court system and did not appear as told to we would be liable for up to {$5000.00} more. Our friend was released from jail on OR before the bondsman ever got there. They kept the {$1500.00} cash and said it was our obligation to finish paying the the remainder of the unsecured bail loan. We told them they were fraudulent and we would see them in court. Time went on my friend was found NOT GUILTY and we forgot all about and wrote the {$1500.00} off. Every 2 years a new collection agency sends me a bill with a larger amount stating I owe them. I dispute their claims in the 30 day time frame and as of now XXXX 2016the collection agency has placed it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (IA).
Issue: Trouble during payment process

Complaint: I logged into Quicken Mortgage portal to make my XXXX Mortgage payment, the website and app are requiring a new mortgage application be submitted. There is no option to skip this in the process. Part of the forced mortgage application is asking for personal financial information and having credit re-pulled. I am not interested in a new mortgage, I just want to pay my existing mortgage. When we got our last mortgage, if we were to complete the application process, our rate would increase thus hurting us financial. When I reached out out to Quicken tonight ( XXXX XXXX ) through their online chat, the response was, we have a new system and please call in. Since it is after business hours, there is no one to respond to. This process is wrong and there is no resolution by the company. I am trying to make a payment by the allowed methods through quicken and they are trying to force a mortgage app. This is not ethical and I question the legality.

Company response to consumer: Closed with explanation