milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: FOCUS RECEIVABLES MANAGEMENT has been calling and harassing me about a bill owed to XXXX. 
I haved contacted XXXX XXXX and the company states they have no record of me evering having there service or owing a bill with there company. 
I have told Focus Receivables Management on numerous phone calls this information and have asked for proof from there company showing I owe this debt. 
Now this company are reporting a collection account with all three credit bureaus listed under my name, which is ruining my credit standing. 
I asked for them to delete this false information from my credit reports without any luck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX, 2017 I was doing refinancing of my Mortgage and my credit was ran and the loan officer discovered that I had just received a student loan and my response was that I do not have any student loan. Here is the info about the student loan : XXXX XXXX Account : XXXX  Opened on XXXX Amount : {$1000.00}

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 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I had two credit cards with XXXX XXXX XXXXXXXX, both of which have been coded as bankruptcy. Although my report does n't officially show a bankruptcy ( because i have never filed bankruptcy ) it does state under the notes that accounts were discharged in bankruptcy, and this information is inaccurate. My mother was the person who filed bankruptcy. I have brought this matter to XXXX XXXX XXXX in various opportunities within the last 2 years, to no resolution. Nobody is willing to help me. I have been turned down for credit, and the only reason is because my report states that XXXX XXXX XXXX reported an account in Bankruptcy. In the past, credit agencies have closed their inquiries because they state that I do not have a BK on record, however, when you did into the XXXX XXXX XXXXXXXX accounts, the notes they provided indicate that there was a bankruptcy, and this is picked up when i apply for credit. These accounts have also been closed for many years. Please have them remove these accounts from my credit altogether.

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 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: An unknown medical account appeared on my credit reports. I contacted all three credit reporting agencies with a notice of dispute dated XX/XX/XXXX. Both XXXX and XXXX  promptly removed the inaccurate entry from my credit reports and sent an updated copy. However, Experian said they verified the entry with XXXX XXXX and it was certified as accurate by them. I sent XXXX XXXX a dispute letter ( see attached ) via tracked priority mail they received the dispute on XX/XX/XXXX, proof of delivery is attached. I have had no response from XXXX XXXX and under credit reporting law the period for them to respond has elapsed. I sent Experian a letter, via tracked priority mail, along with a copy of the dispute letter that was sent to XXXX XXXX and informed Experian that no response was received from the company that supposedly certified the entry was accurate. Experian responded by placing a fraud alert on my credit report, this was never requested. Then in one day they sent back a letter saying they had investigated and once again the XXXX XXXX  certified the entry as being accurate on my credit report. Obviously Experian used the previous certification, if Experian ever even asked for one, of the entry as even the " provider of the information '' can not provide any backup information regarding this entry. Experian must feel it is less costly to not properly investigate the inaccurate entry on the credit report than to follow Federal Law stating that credit reports must be 100 % accurate and that unverifiable data must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: The  " annualcreditreport.com  '' website is a piece of junk.     The CAPTCHA form is close to illegible, requiring multiple attempts that often abort the process.     The use of popups also causes the process to abort.     I was able to obtain only  XXXX  of  XXXX  reports. The other  XXXX  apparently thought the report had already been provided, when it had n't, probably due to popups aborting the process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Yes I see wrong addresses on my credit report

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 Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This compliant is regarding numerous letters mailed and faxes to XXXX, XXXX, and Experian Credit Bureaus since XX/XX/XXXX, I have kept documentations on when letters have been mailed and when they have been received by XXXX In these letters I disputed very old accounts that contain concerning information which is not correct and it is affecting my credit report and score. I disputed the accuracy of account # XXXX from XXXX XXXX  and the three accounts with XXXX XXXX accounts #  XXXX. 

These items are in violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ), I have never owed this company and wrote XXXX, XXXX, and Experian about its accuracy and why it is appearing on my credit report. I have not heard anything from them and asking for proof to show which has been continually ignored and not provided. I have also repeatedly asked for evidence to support there reporting and their method of verification and they have failed to comply accordingly.

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 05-12-2016 about Bank account or service (Checking account) with AMERICAN EXPRESS COMPANY (CA).
Issue: Making/receiving payments, sending money

Complaint: I AM REPORTING UNAUTHORIZED TRANSACTIONS MADE BY AMERICAN EXPRESS IN MY BUSINESS ACCOUNT. AMERICAN EXPRESS ASSESSED MY ACCOUNT TO MAKE CREDIT CARD SETTLEMENTS AND COLLECTIONS TOTALING {$23000.00} DURING XX/XX/XXXX-XX/XX/2016. THESE TRANSACTIONS WERE MADE BY A MERCHANT FOR GOODS USING AMX. THERE IS ABSOLUTELY NO REASON MY BANK ACCOUNT ROUTING NUMBER SHOULD HAVE BEEN ATTACHED TO THE XXXX TRANSACTIONS PROCESSED BY AMX. I WAS NOT INFORMED OF THESE ERRORS AND AM VERY UNSETTLED THAT MY ACCOUNT HAS BEEN COMPROMISED. THIS SITUATION HAS NOT BEEN COMPLETELY RECTIFIED AND I AM WORRIED ABOUT ANY CONSEQUENCES WITHE IRS REGARDING THE {$23.00}, OOO.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have a mortgage that was being reported to all  3  credit bureaus for since its opening in   XXXX   XXXX    , suddenly my positive mortgage payments now stated mortgage paid and account closed which caused a significant drop in my score. However my mortgage was not paid off and I am still paying my mortgage but nothing is reflecting on my Equifax credit report but is showing up on   XXXX   and  XXXX  I  have contacted my mortgage company and Equifax numerous time and my mortgage company assures me they are reporting correctly and even provided a certified letter as proof and for me to submit to Equifax. However equifax is saying that since they do not see the account then there is nothing to dispute and everytime I call they are not understanding that I am asking them to update and add my account back as my mortgage company   XXXX   XXXX   is even asking them to do. I have a valid, pays as agreed account that the mortgage company says should be reported to Equifax as it being done with the other  two  bureaus and Equifax is refusing to do so, even with calls from my mortgage company and submitted written documentation. No one ever authorized any change or submitted any proof of payoff. When I talked with an Equfax rep they said it was updated to that and then removed because a dispute was not responded too, however my dispute was only regarding the balance because my account wasnt updating to show monthly payments and was always months behind. I can not get any assistance and not only did this make my score drop by almost  40  points when it was removed, the positive payment history is not there to even improve my credit rating. I need help badly with getting Equifax to understand.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Debt collection (Payday loan) with Apex Resolution Group LLC (KY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Received a call from a XXXX XXXX from Apex XXXX, representing XXXX. XXXX XXXX confirmed personal information ( name, SSN ) and proceeded to offer a " payoff '' for the debt. When I informed her of the ongoing situation with XXXX ( separate complaint to be filed ), she informed me that she would be sending the account back to XXXX listed as " refusal to pay, seek legal action. '' I told XXXX XXXX that I do not agree to payment arrangements over the phone and requested that all documentation concerning the account be mailed to me. XXXX XXXX stated that they " do n't do paper mail, only electronic '' and then proceeded to try to verify my email address. She read me three different email addresses that were associated with the XXXX account ( including the one used to open it ) yet not a single one an account that I 've ever owned. When I told her this, she became defensive and told me it did not matter because they had all of my other personal information, including my driver 's license number " which no one would have had access to if the loan application was identity theft. '' The driver 's license number they have on file was not my number at the time of the loan. None of the emails I was given that are associated with the account are mine. I requested a mail copy of all the information they had associated with the account, as XXXX had always refused to do so, and was told they can not do that. 

XXXX XXXX strongly suggested I find the money for the settlement offer before the end of the month as legal action was going to be her reccomendation.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: The website stopped responding and now I can not get my credit reports. The site says I already got them which is not the case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is a collection account appearing on my XXXX credit report that the reporting agency ( Southwest Credit Systems ) has acknowledged to me is fraudulent and should not be associated with me. 

An earlier problem that I encountered in my attempt to resolve this issue was previously submitted to CFPB under Case Number XXXX. At that time, I was having problems getting XXXX to provide " a description of the procedure used to determine the accuracy and completeness of the information. '' As a result of that previous case number, I did receive that information. 

I then contacted Southwest Credit Systems, the company that was reporting this collection account to XXXX, to find out why they had this erroneous information on file. A summary of the interactions I had with Southwest can be found in the attached SWC Group Dispute Letter.docx file. Note that it was established in my first call to Southwest that this was a fraudulent charge and that I then spent the next few days fruitlessly trying to complete their process to finish resolving this issue. When it became clear that phone calls were not going to resolve anything with them, I sent the referenced letter. I did receive one callback ( finally ) from Southwest on XXXX XXXX ; I was not home at the time, but returned the call at XXXX XXXX. ( ET ) that day, once again leaving a message with all of my contact numbers and imploring them to please call be back. As of today, XXXX XXXX, I have not had any further contact from them. 

Because Southwest is behaving in a negligent manner by not resolving this issue, this erroneous information continues to appear on my XXXX credit report, as re-confirmed by XXXX as a result of the complaint I filed with CFPB as Case Number XXXX. 

At this point, I feel like I have done everything I can to make this right with both Southwest and XXXX, but somehow it 's just not getting through, and would appreciate any assistance that CFPB could provide to get Southwest to close out this issue and alert XXXX that this should not be on my credit report. The bottom line here is that Southwest knows that this is a fraudulent charge ( as detailed in the SWC Group Dispute Letter ) and despite my making every effort to work with them to get their information corrected ( also detailed in the SWC Group Dispute letter ) they are not getting this taken care of. 

I know that this is a small matter in the grand scheme of things, but I take pride in the fact that I have a good clean credit report with no issues. The fact that there is an issue on it that does not belong to me and is n't getting corrected, despite my having spent far more time on this than I should have to, is extremely annoying given that I am the person who potentially suffers as a result, not whoever it was that made the mistake in the first place.

Company response to consumer: Closed
Consumer complaint received 07/28/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: About XXXX months ago my credit score was in the XXXX, then it went down to XXXX and now it is down to the XXXX I do n't understand what is going on. I looked at my credit report and do n't see any changes. There is no one to talk to at any of the phone numbers. I need to speak to someone and inquire about the drastic drop.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Hello my name is XXXX, I am purchasing a home that has a reverse mortgage and is a short sale. The short sale lender is refusing to pay the past due property taxes. After doing some research, I came across a master servicing agreement that states ; its the servicers responsibility to pay the property taxes. So why am I being forced to pay a fee that is the servicer responsibility as per this agreement. They are forcing this additional cost, which may cause me to have to come up with an additional {$4300.00}. Also, since they owned the home prior to me closing, should they not provide me a credit proration on my CD from XX/XX/XXXX till the day of closing, and how would this work if I 'm being force to pay such fee?

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Debt collection (Credit card debt) with Messerli & Kramer P.A. (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In 2006 my wife and I took out a first lien heloc loan with XXXX XXXX and XXXX to pay off credit card debt. One of the 3 cards to be paid XXXX now claims not to have been paid. 9 years later a debt collector messerli and kramer is trying to collect on this debt which started out at {$9000.00} and has grown to {$24000.00} with a default judgment that should be vacated because it is part of a secure loan I have been paying XXXX for the last 10 years. A mn attorney general 's office rep from the consumer services division, XXXX XXXX, has asked XXXX XXXX and messerli and kramer to honor the hud1a statement which they have been sent a copy of that clearly states they have been paid. Please help quickly as we can not afford to pay a {$500.00} a month mortgage payment, a {$500.00} a month loan payment, and having my check garnished 25 % a week totaling over a {$1000.00} a month. XXXX seems to have no interest in helping resolve the issue as we have made several attempts to contact them with no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I can not get a statement nor could I get a payment mailing address until after the first payment was due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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 have been a victim of their inquiry issue from Trans Union, the Trans Union customer service does not provide help and dismantle customers. 
This is the worst experience I have experienced. After the call, I feel Trans Union are retaliated the customer, and added another hard pull to my credit report. The score was reduced by 7 points.Trans Union are illegal ( by section 6-11 ) add XX/XX/XXXX inquires back to my report on XX/XX/XXXX, after the phone call with there customer, make me became Trans Union victim of their inquiry issue again.By section 6-11, they are illegal do that, and they are add 7 unauthorized inquiry to my account since two month ago. all the unauthorized hard inquiries from my report should remove.

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 04/14/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Hi there. In XXXX 2015 I refinanced my mortgage through XXXX XXXX Bank, and after a sale or XXXX, it ended up with XXXX XXXX XXXX XXXX. My manual online bill pay payments went through fine for the first XXXX payments, and seemed to go through fine on my end for XXXX and XXXX, but then I received a letter saying my loan was in default and I 've been reported to the credit agency, etc. Nothing on my end changed. I did n't touch any settings in my online bill pay. I have a really strong credit score ( XXXX I think ), and was obviously distrubed by this, and have submitted proof of payment per their specifications multiple times, and have been on the phone with their reps, and there has still been no resolution. My XXXX payment seemed to go through fine.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (I do not know) with The CMI Group, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of this dept

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 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My ex fianc had a Macy 's credit card he opened in  XXXX  before I met him . Macy 's has   an  XXXX  an d Macy 's sto re account, which are linked. I was added as an authorized buyer around  XXXX . We broke up in  XXXX  and around  XXXX  I noticed both accounts are on my credit report. As an authorized buyer I have no obligation to this debt. I called  Macy 's and they s tated I was added as a joint user. I never gave any written or verbal consent, nor did I give them my SSN to be added as a joint user. I have been disputing with  Macy 's and al l  XXXX  credit bureaus to have this removed since  XXXX .  Macy 's refu ses to remove it, even with a police report submitted to them . Macy 's also refuses to provide me with any information showing I agreed to be a joint account holder. When I file disputes through the credit reporting agencies, I 'm advised that Macy 's does not investigate this issue, instead they send a generic response back indicating  the debt is mine and they fail to show supporting documentation. Both accounts need to be removed ASAP!

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 07-05-2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Address listed is not mine.

Company response to consumer: Closed with explanation