milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XXXX, I requested my free annual credit report. After viewing my credit report, I noticed over XXXX credit/loan inquiries on my account that was not authorized by me. I contacted each company and was told that there was not any account open under my information. I explained that I have a hard inquiry on my credit report and need it removed as soon as possible so that I could apply for a home. I was told that the inquiries would be removed from my credit report. As of XXXX/XXXX/XXXX, none of the inquiries have been removed dating back to XXXX. I had a initial fraud alert placed on my report on XXXX XXXX, so if any credit reports are being pulled with my information, I was to be contacted by the company before any action was taken place. I just want the inquiries to be removed so that my scores and credit is not being impacted any longer. I would like to purchase a house, but until all of the inquires are removed I will not be approved with XXXX inquires on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Consumer Loan (Vehicle loan) with PNC Bank N.A. (NC).
Issue: Shopping for a loan or lease

Complaint: ON XXXX I WENT XXXX TO GET A NEW CAR I TOLD THE SALES PERSON I ONLY WANT XXXX INQUIRE ON MY CREDIT REPORT REPORT SO THE AGREED TO RUN MY CREDIT WITH XXXX BANK ONLY WELL I GOT HOME THEY HAD RAN MY CREDIT WITH OTHER BANKS WITH OUT MY CONSENT

Company response to consumer: Closed
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I came into this location for a title loan and was told that because I had one already I could only do one at a time which was not a problem. I talked to XXXX on the phone and she informed me they offered pay day loans not based off credit. I told her I would come in as long as it wasn't based off my credit because I didnt have great credit. Once I arrived I went through the process seemingly fine and then there were several issues with the format and how it was sending and printing to the servers at XXXX XXXX. The representative helping me told me something was wrong with the printer or something. She told me she could run the application with just my SSI income and I told her that I did not want to do that because I wanted all my income included and accounted for. The young lady came back and handed me a paper saying I was denied for my loan because of my credit score and so forth. I asked her how I was denied because I already informed her I didnt want it ran without all my income included and furthermore how and why my credit was even pulled and ran because I did not want any loan based off my credit because i know a pull would stay on for two years. I asked the young lady why i wasnt informed my credit would be pulled and that it was a hard inquiry and she simply apologized and told me that she thought someone informed me of that. I called into the internal customer service line for the company they alleged taking my complaint but no one has reached out to resolve the matter.

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 10/30/2015 about Debt collection (Mortgage) with Brock & Scott, PLLC (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I received a Notice to Foreclose on court house step for XXXX XXXX, XXXX. The notice is dated XXXX XXXX, XXXX from Brock & Scott PLLC. On XXXX XXXX, I sent a Dispute for the Foreclosure Notice requesting Brock & Scott PLLC to identity who they are, such as a holder in due course, a creditor, etc., and who authorized or gave them the authority to foreclosure along with a list of other questions I needed answered. Brock & Scott is a XXXX party debt collector and do n't have standing to foreclose. I asked for payoff information as well. On XXXX XXXX, XXXX, I received a copy of the security deed ( stamped original ) and a bad copy of the " Note '' and the accounting that I never asked for. None of the other questions were answered. Under the FDCPA it states foreclosures must be done in a judicial court. They are threating to sell my property on the courthouse steps on XXXX XXXX, XXXX. The lender listed on my paperwork is XXXX. XXXX did an assignment in XXXX to XXXX, but XXXX was bankrupt and no longer in existence in XXXX. How is that possible?

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (SC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: My credit was pulled by my loan officer for a mortgage application on XX/XX/XXXX. My loan officer notified me of a collection being reported by XXXX XXXX that I was unaware of. The loan officer notified me I would have to contact Midland to resolve this issue. 

I called Midland and was told the account number I have was incorrect ( they changed the number when they acquired the debt from the original credit card company-XXXX XXXX ) they found it by entering my social security number and then notified me that as of the day the credit was pulled, XX/XX/XXXX, this is " being serviced by XXXX and I would have to call them, provided me a phone number and hung up on me. 

I contacted XXXX and was told they just acquired it and it would take up to two weeks to " load it into their system- I would have to call back ''. I have tried for a week to obtain the information to pay this debt and have been unable to talk to anyone who can or will assist and take my payment. 

I offered to pay Midland in another subsequent call, as Midland is the company reporting the collection on my credit report. They said NO, I have to deal with and pay XXXX, even though XXXX is not the company reporting this on my credit report. 

As of the filing of this complaint, this remains unresolved as they say they have no clue who I am or what I am trying to take care of, I am stuck calling them waiting for them to decide to cooperate and let me pay this. I am very frustrated. 

While searching the internet about XXXX I found something indicating there is a class action lawsuit against XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: I sent dispute letters via mail in online to XXXX Transunion and XXXX, each of them the sent me results with in five days saying investigation is complete but I do n't understand how you can complete a ingestion with in 5 days. I was apart of the XXXX data breach in it is a lot of stuff on my credit report that does n't belong to me. in the following is as listed XXXX XXXX 's XXXX XXXX XXXX XXXX and also 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 07/17/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: Hi, my name is XXXX XXXX, l would like to file a complaint against wells fargo bank in XXXX XXXX, fl.XXXX for mishandling funds in my checking account. they close the account so l want have showing proof what l had in the account and have access to loginto my account to my knowledge l had {$5000.00} XXXX dollars at that time. the moneythat l had my account was for college, l, am a XXXX in college taking XXXX. lwould like to receive my funds back in a check or whatever. Thank You.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (FL).
Issue: Account opening, closing, or management

Complaint: Hello CFPB, Paypal permanently limited my account out of nowhere over XXXX months ago claiming my account was high risk and falsely claiming I operate a MSB. On XX/XX/2016 they limited me for the first time after my first week of using Paypal to sell. I explained to them what I was doing and eventually they said I was clear to keep going and on XX/XX/2016 they restored my account. 

Fast forward to XX/XX/2016, the Paypal compliance department emails me saying my account is to high risk. They also claim the exact same thing I got permission to keep selling from a Paypal employee when I got unlimited in XXXX 2016 was not allowed. I originally submitted my business model to them when they first limited me in XXXX and they cleared me to keep going, a Paypal agent personally told me on the phone on XX/XX/2016 that what I was using Paypal for was allowed. Regarding them saying my account is high risk, out of over XXXX people I had transactions with on Paypal XXXX only XXXX people ended up disputing a payment with me. XXXX of the cases were cancelled by the buyers who filed the disputes before Paypal even had to make a ruling after I contacted the buyers myself and got the situation sorted, the third case was originally a loss but I appealed it afterwards showing the ID verification I got from the customer and the logs on their account proving it was an authorized transaction and ended up winning that case, and the last and only transaction I actually lost out of over $ XXXX volume I did on Paypal in the span of 7 months was for {$5.00}, and the buyer who filed the dispute on me also filed disputes on over XXXX other people, it was a blatant scammer who stole from multiple people including me. The reason for my near flawless record is because I have a KYC policy and verified every customer that I had on Paypal, I even offered to send Paypal compliance department all of these records but they just responded with their default appeal declined email. 

It is now XX/XX/XXXX and Paypal compliance department and Paypal themselves continuously maintain that I am permanently limited from Paypal forever. The worse part of all of this is that I had over {$720.00} in my account when I got limited in XX/XX/XXXX, and they refuse to let me withdraw the funds until after half a year! Nearly got kicked out of my apartment because this company is careless and has complete disregard for their actions, just go ahead and seize {$720.00} from me out of nowhere and hold it for half a year, thanks Paypal!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, I pulled a copy of my credit report after the XXXX data breach and noticed inquiries on my account that I did not authorize. I called XXXX, Transunion, and XXXX and explained this to them. They insisted that I call each company listed and find out what happened. I called and they all have no record of me in their system with authorization of trying to open an account. I then asked them to call the cresit bureau and have them removed. They stated that because they did n't have me in their system, it would be better if I called and explained to the bureau 's what happened. I called the bureau 's AGAIN and told them that I was unable to get documentation from the companies listed and to please dispute it on my behalf. I get a notice in the mail that basically nothing was done and to call the companies again. I have tried to deal with them 3 times and its now coming to the point I need to file a complaint with the BBB and the Attorney General. I have done everything both sides has asked me to do and it still has n't helped.

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 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was mistakenly reported 30 days late and 60 days late by my mortgage company due to their payment address change and failure to notify me of it. Also, the credit union had a grace period which I fell under. 

I sent a letter in XXXX asking to please have this fixed soi can buy a new home, the 2nd letter I sent certified to ensure delivery. Still have not received anything back or updates to fix the problem. 

My bills are paid on time, and I send checks via mail, this was a minor mistake on the banks part in not notifying me as well as the bureaus for not fixing this issue promptly. I need some help to get this fixed. Thank you 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 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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: On XX/XX/2018 I filed a dispute through XXXX XXXX on my Transunion credit report for a {$680.00} item from XXXX XXXX XXXX. On XX/XX/XXXX At XXXX XXXX I CALLED Trans Union and spoke to XXXX XXXX a supervisor who stated my call was routed to his location in XXXX. He asked me for my full social security number and my name and address. I felt uneasy giving this man my social security number due to all the scans that are happening with the overseas scammed. I have never been asked for my full social security number over the phone usually the last 4 digits will do. I explained to him that my investigation was due to be completed by XX/XX/XXXX and I received no notification. He stated that the investigation was completed on XX/XX/XXXX but I was never notified by email, US mail or a phone call. He said the creditor confirmed the debt and there was nothing he could do. This debt was paid and the contract between the dentist and myself was canceled. There is no avenues for a consumer to take to dispute eroneous information. The credit bureau takes the word of the creditor without any proof. I have 100 % on time payment history with my creditors. This one item is causing my score to be below XXXX. I will not pay for something that was resolved. This is a form of extortion.

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 01-09-2018 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: This matter relates to a checking account ( XXXX XXXX XXXX XXXX XXXX XXXX acct. # : XXXX ) we opened to manage HOA funds after my two partners and I commenced construction of the subdivision. Last year, as we approached 75 % of homes sold, we entered into a contract with a Property Management company to handle HOA matters, which also included them creating a new ( XXXX XXXX XXXX ) bank account for HOA funds. We wrote a check to transfer a large portion of the funds from the Regions account to the management company to place in their XXXX XXXX XXXX account, reserving around $ 6K+ in the Regions account while we continued pursuing a matter with the new HOA board regarding monies owed to our entity they were disputing, hoping that the monies being held in reserve would provide us some leverage in resolving the dispute. 

Well, as we discovered just recently, the Regions account was closed and funds apprehended without our knowledge. I have had both verbal, and subsequently email dialogue with the local branch manager ( XXXX XXXX ), requesting a detailed explanation of how one of the new HOA board members ( and reportedly a former Regions employee ) was able to close this account when my two partners and I were the only three signatories on the account. It took weeks to receive a response, and then when we did, it essentially stated that the HOA acted within the parameters of their agreement with the property management company and any further inquiry needed to be directed to one of them. I replied back that we feel this is a bank matter, not an HOA matter and are still seeking explanation on how Regions could allow an account to be closed without any of the authorized signatories involved. That followup request has gone unanswered, so our next step is to make this complaint and inquiry as we feel banking laws may have been broken. If this matter is more appropriately brought to another governing agency, please advise of such so we can redirect.

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 12/13/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are XXXX different amounts from some medical XXXX thing from XXXX. I have no idea what the {$400.00} & {$800.00} are for. I have medical insuranc and I have never received a bill or anything. I think that these XXXX items that are in collections are not mine but someone else 's and somehow they were incorrectly placed on my credit report. I have medicaid as insurance and I have been on medicaid continually since XXXX, so I know that I would not have those anesthesia charges because all of the medical things that I have to deal with are covered by my insurance. I am only responsible for a {$3.00} copay. I am thinking that it is possible someone may have used my identity and that is what these are from. This is the first time hearing about these items that are on my credit report, should n't I have known about this like 5 years ago which is what the date is on the report. Now the one in collections from XXXX I know is correct. However I did sent XXXX a check last month paying off a bill. But I am not sure if it was the one that is in my credit report or if it was a recent bill. I am not disputing the report from XXXX, only the other XXXX. Thank you. My number is XXXX. My email is XXXXXXXXXXXX and my address is XXXX XXXX XXXX XXXX, NC XXXX if someone could contact me about this.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 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: Old information reappears or never goes away

Complaint: There are so many inaccuracies on my credit report, I have tried for so long to get my report updates and the incorrect info taken off but the credit bureaus just keep ignoring 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 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ad Astra Recovery Services Inc (TN).
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: XXXX XXXX will not send me validation of the account they are reporting to all three bureaus. I have asked several times for them to send me proof that I owe them a debt. They sent me a document that I have never seen before nor did I sign. I demand this invalidated account be removed permanently and immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Deposits and withdrawals

Complaint: In XX/XX/XXXX, I submit a complaint [ XXXX number : XXXX ] about Wells Fargo Unfair banking practices that included no notification regarding issues about banking practices after being a XXXX year customer. I received a response thru your bureau on Tue, XX/XX/XXXX. They admitted their was a misunderstanding that old practices have changed regarding accepting checks made out to " Pay to the order of '' made out on back of Government checks. I was never notified until they closed my account, took my money, was blacklisted for every bank in my area and I received threatening phone calls from XXXX of their representatives. Now it 's XX/XX/XXXX, I get a bill in the form of a XX/XX/XXXX XXXX for the suppose debt related to this misunderstanding, whereby, I never received any money but I did lose money. This claim is incorrect since I did not received any income related to this discharge of debt related to their error. They may have but I did not. I hope your bureau can make Wells Fargo understand that if early notification related to these transactions had been made, I could have corrected the behavior & requested a personal check rather than on the back. I guess as punishment for their mistake, I must pay more in taxes for something I did not get appears fair to Wells Fargo.

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 03-01-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX is showing as a hard inquiry on my report, but I do not have an account with them and did not apply for one. I also did not recieve a letter. I am requesting that this hard inquiry be removed from all 3 credit reports.

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 09-06-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX Account # XXXX Please delete and update my records/credit score. 
I paid this in full and never use it again.

Company response to consumer: Closed with explanation