milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I paid ALL of the open collection accounts on XXXX my credit reports during the summer of XXXX. In XX/XX/XXXX I received notice that collection account from XXXX had been added back to my reports ( for a second time ). The collection account appeared on my report several years back, but due to issues with the original creditor changing management companies, my collection account was removed. It is my understanding that a collection agency can not " re-age debt ''. I called XXXX agencies explaining that this was the second time that this account had disappeared and reappeared on my credit report. After rude conversation with multiple agents, I gave up. This past week the exact same thing happened. The collection account was removed and added back to my report due to a " glitch '' in their system. I was told that a glitch in the system was confirmed and that I needed to call back within a few days to discuss having the debt removed frm my report. I was also told they would not remove the debt until they figured out what caused the system to fail. I then spoke with someone else who would not confirm anything and was MORE than unwilling to assist me. Within days, this collection account and multiple inquires were removed and added back to my account. This has happened several times particularly with this one collection account. Transunion is aware of the first two thimes the account has been removed and added and in a report that was mailed to my home in XX/XX/XXXX from Transunion, one month before this account was re-inserted, this account does not appear 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 04/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Bilateral Credit Corp, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX debt of {$2300.00} was paid a year and half ago with the agreement that it would removed in 30 days. XXXX personally called, we signed a legal agreement and took my payment of {$2300.00} payment over the phone. The agreement clearly stated they as a representative of Bilateral Credit Corp, LLC they would remove this debt from all XXXX credit bureaus in 30days. I have a called XXXX and XXXX more they XXXX times with no response. 

Every month when I pull my credit report it shows they debt has not been removed, that I still owe the full amount and they I am now 3 months late. 

This is my last attempt to escalate this before I take legally action.

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 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was recently denied a student loan by the XXXX XXXX XXXX because of information reported by Equifax. They had someone else 's name, birthdate, and various accounts on my credit history that did not belong to me all under my social security number. They falsely claimed that I had a XXXX XXXX XXXX credit card, XXXX account, and XXXX XXXX car loan all opened between XX/XX/XXXX with a combined debt of more than {$4000.00}. I filed a dispute, but the company has still neglected to remove all the accounts that do not belong to met.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-08-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Today is XXXX and I am writting regarding a loan with Ocwen Loan Servicing which I paid this loan off on XXXX. My records indicate that I overpaid the loan by {$6200.00} and in calls with the servicer they verify that it was paid in full and overpaid by the amount I have indicated. I have been waiting for a final statment and reimbursement of the amounts overpaid totaling {$6200.00} since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Debt collection (Medical) with Credit Systems International, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Back on XXXX/XXXX/2015 we disputed a credit report entry from Credit Systems international. After the dispute with case numbers XXXX and XXXX, Credit Systems international agreed to delete the entry because " XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX does not show to be a good address for mail delivery. There were no telephone numbers on the file to attempt contact with XXXX XXXX. 
We attach our required verification of the debt. If XXXX XXXX disputes the validity of the charges, and if she will furnish our office what the dispute is, we will open an investigation. 
A request to delete the report from the Credit Reporting Agencies ( CRA ) has been requested and no further reports will be requested for a minimum of 60 days to allow XXXX XXXX sufficient time to review the itemized statement and/or notify us of any errors '' We then sent them a debt validation letter with specific information they need to send to me to validate the debt, not just say they have validated the debt. We uploaded into the CFPB system with the above claim # as well as mailed it certified mail # XXXX on XXXX XXXX, 2015 which they received on XXXX XXXX, 2015 @ XXXX. Not once they they respond and now again I find the charges on my credit report. I want these charges removed immediately until the information I requested is sent to me in accordance with XXXX laws. I will again attach the original letter I sent them to this claim

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 EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was breached during the latest Equifax hack according to their own notification website. 

I have never provided information directly to Equifax and I believe it is wholly unfair that they have access to my information indirectly and are irresponsible with said information to the point that it was accessed by a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Hello, I applied and was approved an AMEX XXXX card with a promotional sign-on bonus. This bonus was to spend {$3000.00} USD in the first 3 months for XXXX XXXX points and to spend an addition {$2000.00} USD within the first 6 months for another XXXX XXXX points. The second bonus is not being honored by AMEX even though I made the required purchasing amount within the time-frame. AMEX claims it is " not attached to my account. '' The card was approved on XX/XX/XXXX. This special promotion ended on XX/XX/XXXX. I 'm attaching screenshots of this information. I 've contested this issue with AMEX and they have denied it saying it 's not attached to my account. This is a technical issue, as I had to open multiple challenges with AMEX to even get the first XXXX bonus, which after 6 months of calling them and opening challenges, has finally been posted to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My Name is XXXX XXXX. Am looking at my credit report and there are 8 hard inquiries from the following companies that an disputing because i haven't had any dealings with them. 
1. XXXX. There are 5 inquiries from this company dated - XX/XX/XXXX - XX/XX/XXXX Two inquiries on the same day. 
- XX/XX/XXXX - XXXX. 
2. XXXX XXXX- there are 2 hard inquiries dated - XX/XX/XXXX - XX/XX/XXXX 3. XXXX XXXX. There is 1 Inquiry dated XX/XX/XXXX. 

I have not had any financial dealings with these companies and thus would like to dispute these inquiries. 

Yours respectfully XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Debt collection (Payday loan) with National Mediation Services (TX).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: This is the second time that this fake debt collectors calling and harassing me that I owe them money from a payday loan that has closed for 4 months and the XXXX XXXX XXXX and when I had went to the bank they said you owe {$470.00} and the debt collector said I owe them {$600.00} their was no contact or a letter by mail and they have called me and harrased my family so I had gave my debit card that I do n't use and they set up a payment plan for me and I told them that I ca n't afford it because I am on social security XXXX and the collectors say if I did n't pay them the will have me arrested and send me to court to get the money so I had send them {$100.00} to keep them off my back and Wednesday they have called me from all types of fake phone numbers and they call from a XXXX voip and I told them do n't call me any more because. I am paying the client myself and I got screamed at and the collector said you are sending your money in the wrong place and why? And comming to find out this XXXX bassed company National Mediation Services is a fake company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I sent an id theft affidavit to Trans Union to block XXXX items that were opened in my name by someone else. They sent back a notice that they would not block the item without a police report. This is a violation of my rights under the Fair Credit Reporting Act. When this act was amended in 2004, the credit bureau representatives who came to train on the differences clearly indicated that a police report was NOT mandatory. Indeed, they provide copies of an ID Theft Affidavit ( attached ) that could be used to identify the item. 
Section XXXX clearly indicates that a copy of an identity theft report would be required but not that it must be a police report:XXXX. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
But like the credit bureaus have done with sending letters extending a mandatory 30 day time frame for investigating disputes ... changing the 7 year time frame for reporting Chapter XXXX bankruptcies after 40 years ... .and not allowing consumers to have their disputes removed ( who else but consumers would know they are no longer disputing ), the bureaus have simply changed the rules without changing the laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: Although I disputed the amount I was charged and complained of being overcharged, but continue to pay my bill ... ..I was charged with late fees and interest. I complained my bill was wrong and wonder what I was being charged, because I was told XXXX thing during the opening of my account then something different afterwards ( the bill came ) and I believe I did n't owe but a few dollars, with late charges and others fees the bill is now over XXXX! I tried to resolved this, but someone kept hanging up when I ask to speak with a supervisor. I called again and was told my account is now with a collection agency and there is nothing I can do about it, but pay!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/21/2015 about Credit card () with CITIBANK, N.A. (MO).
Issue: Customer service / Customer relations

Complaint: I was approved for the Macy 's store credit card in XXXX, 2015. Two weeks later I applied for the Macy 's American Express credit card and was approved. On XXXX XXXX, 2015 I received a letter from Macy 's providing the pin number for the American Express card. I immediately called Macys and informed them that I still have n't received the credit card. I was advised that the card would be closed down and a new one would be sent. I called them back on XXXX/XXXX/15 and informed them that I still have n't received the credit card. Was told once again that a new replacement card would be sent out. On XXXX/XXXX/2015. Still no Macy 's American Express credit card. When I called them on XXXX/XXXX/2015 I was told due to all the issues of not receiving the card that they would overnight it to me free of charge. On XXXX/XXXX/2015 I received the so called overnighted card. Not only was it not overnighted as I was promised, it was a replacement store credit card. I never requested a replacement store credit card. I never advised Macy 's that my store card was ever lost or stolen. So why was I even sent a store card to begin with. As of XXXX/XXXX/2015 I still have n't received the Macy ' American Express credit card that I was approved for over 2 months ago. They cant claim address problem. I did receive the letter containing the pin number. Even after I moved I purchased a {$1100.00} mattress set within the last 2 weeks which was delivered to my new home address they now have on file. Their customer service department is just completely terrible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Automotive Services Finance, Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On XX/XX/XXXX I brought a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX  XXXX, I had just joined the XXXX and was heading to XXXX XXXX, XXXX to be XXXX. Within the first week of having the car, I had to take it back to dealership five time to get work done on it. I got tired of doing that I contacted their big man in charge, he informed me that they were not suppose to sell the car because it was n't ready to be sold, on top of that, the Lady who sold the car to me which later I found out fired, told me that I had GAP insurance and come to find out I didnt, the reason she got fired was because she did alot of lying. I currently still have the car. I have tried to do numerous times to get them to work with me and they never would. In XX/XX/XXXX, I got XXXX in XXXX, XXXX, I have my mother Power of Attroney for my car after I tried to turn the car back in after having some many issues with it and I was told I can not turn it in, and they would contact my commanding officer of my command if i did. So while in XXXX my mother had POA because we would be on XXXX alot and communication is not the easiest, they did not want to talk to my mother so they wasnt receiving payments because they did not want my mother doing it and they wanted to talk to me which was impossible. While on XXXX about a year, Automotive Service Finance decided to set up a court date and we turned in all paperwork stating I was on XXXX and that I could not come to court for missed payments, so they garnished my wages and currently is still garnishing my wages for the full amount of the car not just the past due which totally incorrect. From my knowledge, if someone is on XXXX and can not make it to court they can not do that and that if my wages are being garnished they are responsible for providing me with a monthly statement of how what my balance is and I have yet to receive one in the year that they have been garnishing my wages. Everyone I have spoke to about this company talks about how unprofessional they are how they just try to get over on service members. Please help me, they are ruining my life.

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 10-09-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Please reopen my complaint XXXX as the XXXX 's response to that complaint in unsatisfactory. It is impossible for my monthly payment amount to increase when the principle is declining, the interest rate is fixed and there were no missed payments. I am certain that XXXX lacks the controls to apply my payments incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I need some help on the following which are inaccurate and need to be fixed with all three credit reporting agencies. This now will be the third time requested Balances listed on accounts are not accurate for example XXXX XXXX balance is not accurate XXXX XXXX no balance is on this account, pleaes correct Late remarks are not accurate XXXX XXXX XXXX Account was never past due or late this remark is inaccurate XXXX XXXX XXXX   XXXX ( There are many accounts listed through XXXX XXXX ) first balances are not accurate, second never was the payment 90 days late as reflected in my history the loans were in forbearance. This inaccurate remark needs to be removed off of all student loans it is listed on

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 08-01-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The diversified collection account was removed from my XXXX report and added back with not notice. It has not been removed and is still listed on my XXXX report. This reporting is not accurate and needs to be removed from my XXXX and XXXX reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CO).
Issue: Transaction issue

Complaint: i have had an AMEX account since 1973. I mailed a check to American Express on Monday, as of Friday the check had not been cashed. I called to find out if was in process. They said they had not received it, claiming it was a problem with the mail service. This morning, Saturday, I received an email from AMEX saying the check was received. Later this morning I received another email for AMEX say the account is past due, warning me that the account may be suspended. I called the phone number to find what was going on. The person I talked to blamed issue on the mail service. The payment location is in XXXX, I 'm XXXX. I told him I think the problem is with their processing center. It 's not my fault that their center is not adequately staffed. Short story I canceled my account. Also I think the staffing is inadequate to help them charge fees and penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Debt collection (Auto debt) with Global Lending Services LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I purchased a vehicle and was given a due date of the XXXX of every month.XXXX/XXXX/XXXX I called them and advised them I get paid on the XXXX of every month. I asked if I could change my due date. They said yes after the XXXX installment is made. I said ok. On Monday XXXX/XXXX/XXXX I made the payment online. I received a call around XXXX later that day and was asked for my last 4 of my ss #, full name, adrs, etc ... .. I told them I did n't feel comfortable doing that since I already made the payment online. I understand a call the same day if the number was already loaded into a phone dialer. So I called back and asked if they called and explained the situation. The guy who answered the call advised me that I would not get anymore calls, and made notes about the payment online as well as emailed me a payment date change form. Tuesday XXXX/XXXX/XXXX, I was n't comfortable giving my info out so I asked for a supervisor, I was transferred to another agent instead. I told the agent I wanted to speak to a supervisor, they refused said they were n't available. I told them I was at work and could wait any longer. I told her the whole situation, she advised me that a supervisor would call me back. I never received a return call. XXXX/XXXX/XXXX I still get a call.. I 'm being told for the third time that I will not receive calls anymore.

Company response to consumer: Closed with explanation