milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have asked Equifax to remove all unknown inquiries that are listed below that ca n't be verified as mine and they refused to help.
1. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (NV).
Issue: Problems caused by my funds being low

Complaint: I would say about 6 years ago maybe longer I messed up on a bank account XXXX for {$320.00}. I got contacted by the collection agency about 2 years ago and settled the acount to I think {$250.00} and paid it. Today I tried to open up with a credit union givin the fact I have had my bank account now in good standing for 2 years. They denied me for being in chexsystems for the account I had already paid off. I wish to have it marked as paid or settled or taken off or something becuase it is tarnishing my name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with VIRTUOSO SOURCING GROUP, LLC. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My name is XXXX XXXX. I have had XXXX service since XXXX XXXX. I first required their services at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. The bill was automatically drafted out of my bank account every month. Between XXXX and XXXX XXXX, I called to change my adress to XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, NY XXXX. This address was XXXX block away from the previous address. They told me that there would be no problem. They did the transfer and Installation, after that I did not hear from them again. I then received a bill of {$1500.00} from XXXX and some debt collectors called Virtuoso Sourcing Group. I then called ADT to understand what was going on. They told me that is the bill from the remaining of the balance that was not paid. I explained that all I did was transfer the account to another address but that the contract should of been the same. They said that once an address is changed, the contract is done and a new one starts. I never received such information. XXXX concealed information from me and did not tell me the terms of the contract regarding the change of address and that it would have to be a new contract in the new address.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Debt collection (Credit card) with Client Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Client Services , Inc. has aggressively continued to report unfavourable remarks on my credit profile for a debt that I do not owe. Hence, their negative remarks has continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and Equifax refuses to assist me in making sure my credit profile is accurate. I have several records as proof. 

I am trying to repair the damage done to my credit due to identity theft. I have been disputing information for several years and this credit bureau has been extremely uncooperative and frustrating for the past XXXX years. I am unable to log onto my account because the security questions asked are inaccurate ( due to ID theft ). When I call Equifax, I am unable to speak with a live person for assistance. I was able to speak with an Equifax agent via chat who was unwilling to assist me ( I added attachment log ). When I send disputes via certified mail along with a copy of my drivers license and current address, I either receive no response or I receive a response which states they are unable to process my request. 
The Fair Credit Reporting Act Section 607 Compliance procedures [ 15 U.S.C. 1681e ] section B states ; Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I would like a copy of my Equifax credit report. I would like to speak with a LIVE person so I can dispute and freeze/unfreeze my credit. I would also like an account missing from my credit report added to my credit profile. The FCRA states in back and white that I should have all of these abilities. I need my credit report to be accurate in order to live a productive life. I am unable to open a loan to buy a home or vehicle. I am unable to open a credit card or establish credit. This has become mortifying and I if no action is taken I will have to seek out an attorney. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Shopping for a loan or lease

Complaint: I contacted the company XXXX on XXXX. I never authorized them to pull my credit. They did so anyway. They would not remove the inquiry. They wanted me to do a police report saying I was a victim of fraud when they did this to begin with. My credit monitoring service experian had to open a fraud claim on my behalf. I am filing this report as well as the ftc to cover all my angles.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fresno Credit Bureau (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX is reporting {$570.00} medical debt, without providing the proper proof which validates the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have paid the debt and Equifax refuses to take it off of my credit report, or host an acceptable means of filing a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: For sometime know whenever I 've tried to access my Credit Report they keep asking questions that has nothing to do with me.For Example : Mortgage Company that I have been with.I have never own or cosign for a home in my lifetime. This is one of the prescreen questions that has prevented me from accessing my credit report for the past 3 years.

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 06/24/2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft. I have sent supporting documentation of letters and police reports to Equifax in regards to being a victim of identity theft and fraudulent accounts listed on my Equifax credit report. I was XXXX from XX/XX/XXXX to XX/XX/XXXX. The following are fraudulent accounts opened by someone who stole my personal information and identity : XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, MN Child Support Enforcement Division : XXXX, University XXXX XXXX : XXXX, XXXX XXXX : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (Medical debt) with Professional Medical Management, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: There is a medical collection account on my credit report from XXXX XXXX with an Original Balance of {$1500.00} and Current Balance of {$820.00}. This collections account was opened on XX/XX/XXXX. The Original Creditor is XXXX XXXX XXXX and the Date of Service was XX/XX/XXXX and the original balance with XXXX XXXX XXXX was in the amount of {$1600.00}. 

I made the following payments to XXXX XXXX XXXX {$64.00} on XX/XX/XXXX and {$15.00} on XX/XX/XXXX. 

I then made arrangements with XXXX XXXX XXXX and paid a settlement amount of {$750.00} on XX/XX/XXXX. XXXX XXXX XXXX accepted my settlement payment and cashed my check on XX/XX/XXXX. This XXXX XXXX collections account should be removed from credit as I no longer have a debit with XXXX XXXX XXXX ; however XXXX XXXX is showing my settlement as a regular payment and have been reporting negatively as collections account on my credit reports ever since.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/15/2016 about Mortgage (Other mortgage) with U.S. BANCORP (TX).
Issue: Settlement process and costs

Complaint: US Bank listed a property for sale. The claimed to have clear title in the original purchase contract. I obtained financing spent money to get my loan and when I got to closing I found out there was a lien against the property they knew about and failed to disclose. They then expected me to sign a document " Holding them harmless '' from the lien. My lender refused to fund my loan when they saw the " hold harmless '' on the pending lien.

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 06/26/2016 about Credit card () with BARCLAYS BANK DELAWARE (GA).
Issue: Credit determination

Complaint: I recently applied for a XXXX rewards credit card through barclaycard, they requested for more information stating to identify myself, I sent documentation including drivers license front and back, ss card, and a bank statement, I called to follow up company 's response was we do n't believe that this identity is you, representative hung up I was told that I could have been approved but they did n't believe it was me, how is this possible when my credit report states my information correctly and note that I just bought an automobile for XXXX, the company is denying credit for people who qualify, please stop this practice!

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 05/17/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Loan modification,collection,foreclosure

Complaint: Your submission, [ Case number : XXXX ] XXXXXXXXXXXX how do I get this counselor I believe everything they are doing to me is illegal and I am being treated unfairly I still have not gotten any paperwork from them other than the paperwork I will be sending them back for my situation. They returned my XXXX dollars I sent to them they would not except it like always they deny my payments. I send to them.They lied and told me they never received that check when they did. I ca n't control the mail or how long it sits on there desks before they decide to process it. I have been lied to time and time a gain from there receptionists who answer calls and managers and supervisors and they will not assign one case manager who knows exactly what is gonging on with my specific case. I believe the are in fraud for WI standards and need help. Were do I go from here are there XXXX lawyers who may help me with my case against Nation Star. Thank you for your time and help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: To my surprise, After reviewing my credit report through XXXX XXXX, I discovered that DIVERSIFIED CONSULTANTS had added Derogatory marks onto my XXXX XXXX credit report. I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately! I have also asked these collections agencies : CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for XXXX XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. and all I 've received was their letter stating that I owe these debts and some copy of an application and a lease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Ihave a prior complaint reference XXXX upon reviewing my credit report the nationstar recast department last year suspended and took my payment history funds and reversed THEM the trying to calculate the applied funds on the recast at different interest rate than the rate that was RECAST AND notarized. Now I have had late fees APPLIED that I had no knowledge AND ALSO XXXX 60 DAY LATES ON MY CREDIT REPORT I TALKED TO NATIONSTAR REP HE SAY H WILL TAKE CARE OF IT BUT I FEEL I HAVE CONTINUE TO EXPOSE THE SHADY DEALINGS THIS COMPANY ENGAGES IN THERE ARE NO CHECKS AND BALANCES

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, Transunion, XXXX   XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately.The XXXX account just sent me a letter stating they would remove these accounts its been 30 days and they are still here. The medical said it wasn't there debt so I want it gone too. I attached both letter as proof. 

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. {$180.00} 2.Cell Phone Bill XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$340.00} {$340.00} XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$480.00} {$480.00} Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 07/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Was offered a {$250.00} statement credit if applying for Chase Freedom card. Only got {$150.00} bank says they cant find offer.. It appeared on their site when I was logging into my existing Chase accounts

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Navient Student Loans have called me 8 times today starting at XXXX. They are calling my home phone as well as my cell phone. 

I pay my student loan every month and as soon as I am one day late the phone calls start coming at XXXX. until XXXX. It is not like I am 30 days late. I am so tired of being harassed by a company where I pay my bill every month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2016 about Debt collection (Credit card) with ZENCO COLLECTION, LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: On XXXX XXXX, 2016, I received a call from Zenco Collects at XXXX. He stated that I owed money and he was calling to collect. I told him that I was working in the field and I would call him back. He said no, I was n't taking him seriously, He said that he had our vehicle licenses and if I did not pay he would be issuing a warrant for our arrest. I stated that I needed to call my wife, he started yelling and said no, I had to pay up now or he would be garnishing my wages, and he would also be contacting the IRS and have my income tax return for the next 5 years. They said that they would be seizing our vehicles and other property. I panicked and at first agreed to pay, when I talked with my wife she stated that what they did was illegal and that number is associated to a scam. I called back and told XXXX XXXX not to take any money out of my account. I have no idea if that if this a valid debt or not, but this well exceeds the statue of limitations in the state of Texas.

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 05-11-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Sometime in   XXXX   XXXX   XXXX    , I was informed of consolidating my loans through a company called  XXXX   XXXX   XXXX  via a radio ad.     My first interactions were with  XXXX   XXXX , a representative of that company. He stated that the repayment of my student loans could potentially be reduced to "  0 '' f or 240 months if my income fit that repayment plan that was being offered.     He requested information that included paystubs from the last 30 days of employment. I sent that information via email. His contact information is as follows- Email :  XXXX  XXXX  XXXX ,  XXXX  :  XXXX  or  XXXX  ex.  XXXX . He is an   XXXX   XXXX   who forwarded my information to another person named  XXXX   XXXX .      XXXX   XXXX , a student loan processor for the company, then requested the first  XXXX  pages of my tax return. His contact information is as  XXXX   XXXX  :  XXXX  Phone :  XXXX  -  XXXX  All of this information was forwarded between  XXXX ,   XXXX   and  XXXX   XXXX ,   XXXX  .  XXXX   XXXX  received my tax information on  XXXX .      XXXX   XXXX  was the next company that contractually binds me for services that could be offered for free. They have me paying back $  XXXX  for their loan that amounts to around {$1400.00}, which is payment to the  XXXX   XXXX  Loans for consolidating my federal student loans. They have all of my information, including my social security number.     Loan Hero can be reached at :     XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX  La  XXXX , Ca  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 01-12-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result I have been gravely affected and my score is suffering as a result. no notice was ever given which is also a violation and am requesting that ALL inquiries below be REMOVED. 
XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XX/XX/2016

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (OH).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: I was never given an entrance exam to start college and I was told to get a private loan. After I used up the private loan they had me take out federal loans. I have asked Wells Fargo to help me since I ca n't afford to pay this loan, they refused to do anything. 

XXXX XXXX, Ohio

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation