milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I checked my credit report just the other day. There is an account on my credit report from XXXX XXXX And XXXX opened XXXX XXXX, 2016. Balance {$800.00} There is no account Details the account status reads open. I did not get any information on this. I do n't know what this is, I do n't know what this is in reference to. I called Equifax last week I was speaking to someone as their system went down. I was on the phone 30 min trying to see what this account was. I asked the Equifax representative to send me documents that they had on file that they used to verify the accuracy of the above account. I have yet to receive anything Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 
and Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( I ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. PLEASE REMOVE THIS UNVERIFIED ACCOUNT AND PLEASE REMOVE ALL NON-ACCOUNT HOLDING INQUIRIES OVER 30 DAYS OLD

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 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: Account status incorrect

Complaint: XXXX XXXX is reporting on my credit reports on all XXXX bureaus as if I owe them money and this account was established in 2016. I have never borrowed money or taken money from this company for a loan to default on. I need this collection account removed from all XXXX bureaus immediately. I have tried to dispute with them and collections agency. They never verify the debt just states that it was verified. I need proof of my signature otherwise they need to remove this from my credit file.

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 07-08-2015 about Payday loan () with Sokaogon Finance, Inc. (CA).
Issue: Can't stop charges to bank account

Complaint: I did not apply for a loan. Received no money. But for some reason this company thinks I took at a loan. They showed me a contract that does not even remotely look like my signature. I told them to send me an affidavid and I remoke them from charging my account. I have looked at my account several times. There is not money there.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a secure credit card with U.S. Bank and there was fraudulent activity on my card. Spoke to the collections agency, told them it was fraud, they sent that over to U.S. Bank stated they denied my claim because my bank account was used to fund the account. I have disputed this with the credit bureaus and they are still keeping this on my credit. I asked for proof of statements, none has been provided. This is very detrimental to my credit. I am in the process of trying to buy a house and this has caused me to be denied for a loan. I want U.S. Bank to remove this account from my credit report. I am still getting collection calls from a collection company.
they responded on BBB stating I funded the account, Yes the account was mines but the charges after XXXX were not mines.I also noticed they sent me billing statements, each payment that was made was returned due to non funds, when was my account funded multiple times before U.S. Bank closed my account. I never received any calls about these funds not going through. U.S. Bank promotes there high quality to prevent fraud, but this was happening on my account they were letting charges still happen for months. Multiple payments made and was returned and no action on there parts. Also, they are still reporting on my credit report that my account is still open. reporting FTP ( failed to pay ) every month. Also, I received a letter from there fraud dept stating I owe {$810.00} on my next billing statement. How do I have a billing statement is my account is supposed to be in collections/charge off. Also, on my report the date it

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 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Innovis (AL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There 's a bankruptcy showing on my background check. As of XXXX XXXX 2017 these should be removed from reports. This is effecting me getting jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Debt collection (Credit card) with WELLS FARGO & COMPANY (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: For the last 6 months have called 3 times a day Monday -Friday. When I do answer they fail to answer, and when they do they have incorrect info. Refuse to let me speak to an XXXX speaking manager.

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 06-09-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed a collection on my credit report and it was verified with Equifax. I sent a debt validation to the collection company. The collection company sent me a print out on their letter head, using my current mailing address, my first name, someone else last name. This was previously deleted because the collection company could not verify. I have never had an account with XXXX and I have no idea who they are. I find it odd that Equifax can verify this and our last names do not even match.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a fraud alert placed on my credit files, that indicated anyone who runs my credit report needs to call me and that was n't done and that violated my rights as a consumer. I have reached out to the credit bureau on more than one occasion to advice of the credit being pulled without my permission.

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 12-06-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (MA).
Issue: Fees

Complaint: I had opened up a prepaid Serve Amex to use for emergencies. I put {$200.00} dollars on when I opened and was just about to add more money when I saw that they had been charging me an almost {$6.00} fee every month. This was not disclosed when I opened the account. I am going to complain to them about itto them, but am pretty sure that they will not refund the fees. I was under the impression that this was like an Amex Gift Card that is not allowed to charge monthly fees. 

So, basically I opened this account so if I was in need in the future I would have at least {$200.00} for an emergency. 

Now after 4 months of fees, my balance is {$170.00}. 

By the time I needed it, I would have nothing. 

This is predatory. It was advertised to help someone build credit, but really they just want fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Capio Partners, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Capio Partners XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Re : Acct # XXXX To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXX, which you claim I have a $ XXXX/XXXX  and $ XXXX/Capio charge off. 

Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2016 about Debt collection (Medical) with PMAB,LLC (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: PMAB , LLC failed to adequately Validate a collection that was placed on my credit report. 

In XX/XX/2016, PMAB , LLC placed a medical collection on all XXXX of my credit reports. On XX/XX/2016, I submitted, via certified mail, very specific requests to validate the stated collection. Their return correspondence dated XX/XX/2016, did not address the items requested for validation purposes. Therefore on XX/XX/2016, I submitted another letter to them, via certified mail, stating that they 've failed to validate the debt the as requested and compliance was still required. They responded again with only the same documentation as before. So on XX/XX/2016, I sent them an additional letter to request deletion of the collection account on the XXXX credit reports. I also submitted disputes with all XXXX credit reporting agencies. 

To date only PMAB , LLC only authorized deletion from XXXX and XXXX. The collection account, which was not validated, is still reporting on my XXXX credit report. On XX/XX/2016 I submitted to PMAB , LLC my final correspondence via certified mail for immediate deletion of the collection account that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Debt collection (Federal student loan) with Navient Solutions, LLC. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX was purchased by Navient. Navient shows non payment but we have canceled checks dating back years. We 've sent the copies of the checks and they still keep calling. It 's as if they are not communicating that we 've resolved this issue with 5 different customer service representatives. They call up to eight times a day every day. The numbers they call from are : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Using a debit or ATM card

Complaint: I filed a fraud dispute because a company I made a purchase from was unresponsive during the return process. I called my bank as a follow-up that they requested on XX/XX/XXXX and spoke to an advisor for 15 minutes. Today, I found that my bank recharged me for the items. When I spoke to an advisor today, I was advised that the Agent never logged my follow-up call. She did not notate any of the information I provided and they have no proof on their end that I called. I asked for an escalation of my call because the employees there clearly lied to me previously and I could not trust that my claim was being processed. I was advised that there were no supervisors available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (TX).
Issue: Settlement process and costs

Complaint: We had a legal and binding contract for the purchase of XXXX XXXX XXXX XXXX tx XXXX. We offered well above asking price on the short sale purchase. The contract was accepted by the homeowner and Ditech, the third party lender. After selling stock for the down payment and paying out of pocket for home inspections, XXXX weeks prior to closing, Ditech closed the file. We could not understand what happened as they made a phone call to our realtor to say the file has been closed and they 're pulling it off the market. We were willing to close early if a closing date of XX/XX/XXXX was an issue and we were also willing to pay more then our excepted offer by another XXXX. After excepting an offer and being in a legally binding contract for the sale of this home they were unwilling to negotiate at all on good terms. we feel this was done under handedly after paying out-of-pocket for something and they should have never excepted an offer in the first place if certain numbers in limits were in place for them to go by the fact that they excepted the offer to begin with they should 've uphold their word and legal binding contract to continue and finalize the sale of this home. Please file a complaint against Ditech for bad business and having backed out of a binding contract. Contact us if there can be resolution. XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: 1. ) In XX/XX/XXXX in violation of fair credit billing laws USAA reversed the decision on a billing dispute made in my favor from XX/XX/XXXX-XX/XX/XXXX a  year prior. 2. ) At that time I requested all documentation obtained during their investigation, and documentation used in making their decision. I have yet to receive any documentation for my USAA XXXX XXXX which had the largest discrepancies and errors. 3. ) I received billing statements for my two USAA XXXX Cards, none of these statements had any of the requested documentation relating to USAA 's investigation and decision to take adverse actions. 4. ) I still have not received a billing statements for my USAA XXXX XXXX and since USAA restricted my online access back in XX/XX/XXXX I  have had no way of knowing what they are actually doing. I say this because USAA has failed to maintain open lines of communication or provide the requested documentation as required by law. 5. ) The timeline provided by regulation Z to finalize all billing disputes has already expired, as well as the timeline allowed for USAA to provide the requested documentation.
6. ) USAA might say they made several attempts to send me the documents. However in a discussion with XXXX from the collections department as of XX/XX/XXXX all my documents and communication with USAA was still set to be delivered online on USAA.com. Meaning, I was unable to access them due to USAA restricted my onilne account access in XX/XX/XXXX. Furthermore, I made repeated requests verbally and in writing for these documents and was assured by more than 10 agents I would receive them. To this day for the USAA XXXX XXXX I have not received any documents. And I have not received any requested documents for any of my affected accounts related to USAA 's investigation or offering a detailed explanation of their decision to take many adverse actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: This just shows Bank of America 's incompetence. They have been claiming I have n't submitted proof of insurance and have even signed me up for insurance all while I 've had insurance and they should have the documentation, it was provided last year and now it 's my inconvenience they ca n't properly maintain records ... 

I 'm attaching the file for last year, they still have a host of issues to address from previous complaints so I will send the latest policy once they prove I am bound by BOA terms which means send me the legal information on the transfer of my loan. Instead they have only sent thousands of duplicate pages of the original note, BOA terms, everything but the legal paperwork for the transfer of the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Source Receivables Management LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX used a bait and switch to lure customers. XXXX promised to pay all early termination and other fees for switching from other carriers to XXXX. However, XXXX failed to provide {$390.00} in promised fees as well as hundreds of dollars in service fees which it promised to refund due to repeated service failures and never delivered. XXXX also failed to refund purchase fees for returned equipment. As a result, XXXX was immediately canceled and service was switched back to XXXX where new telephones had to be purchased.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: THE WELLS FARGO ACCOUNT ( LETTER ATTACHED ) DOES NOT HAVE ANY DELINQUENCIES PER THE CREDITOR ITSELF FOR WHICH THEY HAVE APPROVED. 
PLEASE HELP ME TO REMOVE THESE NEGATIVES LATES FROM XXXX AND XXXX. BECAUSE THEY ARE NOT COOPERATING. 
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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: After taken a loan for a degree seeking at XXXX University I obtained severe high interest, negative credit reporting and debt increase as a result. Unfortunately, I have yet to make close to what I owe and unable to pay as Navient request or make what I borrow since graduating. I do hear that there is also a law suit with the school I attended XXXX University in regards.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (AL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX XXXX is reporting a debt that I do not owe. I have disputed the debt with the credit bureaus. They have failed to validate the debt as mine yet they still attempt to collect the debt and threaten to ruin my credit history. This is having a negative impact on my credit history.

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 09-08-2017 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: Reporting company used your report improperly

Complaint: The Equifax data breach onXX/XX/2017 has compromised my personal information. 

Per Equifax site regarding data breach : " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''

Company response to consumer: Closed with explanation