milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This consumer complaint is filed because there is a negative credit item that was charge-off, but remains on my credit report beyond 7 years from the date of first delinquency. Any collection agency that may end up with the charged-off account must comply with that same Date Of First Delinquency. 

Be advised that a dispute was filed with XXXX XXXX, and Experian credit reporting agencies alleging that XXXX XXXX XXXX 's tradeline is being reported by XXXX XXXX beyond 7.5 years. See EXHIBIT-1 and 2. 

1. Between XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX reported to XXXX that the Date Of First Delinquency is XX/XX/XXXX. Accordingly, XXXX in response to my notice of dispute has removed all references to XXXX XXXX XXXX XXXX account number XXXX, in compliance with FCRA. 
2. However, XXXX and XXXX declined to remove the negative account as required by the FCRA 7.5 year requirement. Therefore, we ask the CFPB Tribunal to compel XXXX, and Experian  to reconcile my credit file as to account number XXXX to be consistent with that of XXXX 
3. XXXX XXXX XXXX sold account number XXXX to XXXX XXXX as of XX/XX/XXXX which clearly state the intent of XXXX XXXX XXXX and its expressed date of first delinquency as " XX/XX/XXXX '' which also applies to XXXX XXXX account number XXXX as well. 

4. XXXX XXXX has changed the Date Of First Delinquency by erroneously suggesting and reporting to the CRA 's that a loan modification has taken place between XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX. No such modification occurred as XXXX has correctly reported, the DOFD is ( XX/XX/XXXX ). 

5. Be advised that the original creditor, XXXX XXXX XXXX 's tradeline no longer appears on the same credit report that the collection agency, XXXX XXXX 's tradeline appears on. 

6. The account has been illegally re-aged. Under no circumstances should a collection account for a debt remain on a credit report after the original creditor 's tradeline has aged off the report. The reporting period applies to both the original creditor and its collectors simultaneously. If no original creditor on any of your credit reports matches the collection account, the debt has been re-aged.

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 10/28/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent a letter to XXXX regarding an inaccuracy on my credit report, account number XXXX. They received and signed for the letter on XXXX XXXX, 2016 ( I attached the return receipt ). They violated federal law by not placing " notice of dispute '' on my account within 30 days of my dispute ( I attached my credit report as well, please see pages XXXX & XXXX for the reporting from 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 01/30/2016 about Debt collection (Payday loan) with CURO Intermediate Holdings (MT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Today-XXXX I received a Notice of Default and Right to Cure letter from Speedy Cash addressed to my late husband, XXXX XXXX . It stated he owed {$190.00} from a loan date XXXX/XXXX/XXXX. My husband died XXXX/XXXX/XXXX and was in ill health the last few years of his life. He did not drive nor did he have a financial reason to borrow from a payday loan company. I called the company -- the Customer Service person refused to state in what city the loan originated, the address of the debtor, or any information to actually verify my husband had made the loan. They wanted me to send a copy of his death certificate and the last XXXX numbers of his Social Security number -- I refused. They kept referencing federal laws as to why they could not disclose this information -- yet they wanted the {$190.00} or it would go to collections.

Company response to consumer: Closed
Consumer complaint received 01/19/2017 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I made a payment online and they said that the payment was confirmed on time. I found out later that they had problems with their website and my payment was never received causing a payment to show as 30 day late and ruin my credit for something that I did nothing wrong. The bank refuses to remove the late payment history from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (VA).
Issue: Other transaction issues

Complaint: I opened a PayPal account XX/XX/XXXX for an eBay purchase and have only used my PayPal account sparingly since then, never experiencing any issues until this XX/XX/XXXX. XX/XX/XXXX I sent {$100.00} to a friend using PayPal ( no different than I had ever done in the past ) and I assumed the payment went through because there was no reason to think otherwise. To my dismay, XX/XX/XXXX/XX/XX/XXXX, I received a call from a collection agency saying that I owed money on my PayPal account. Specifically, I was told that I did not pay back my PayPal line of credit, so in addition to the {$100.00} payment and {$3.00} PayPal convenience free, I also owed a {$25.00} late fee. I was upset because I never established a PayPal line of credit, and assumed that my PayPal account was linked to my credit card and/or bank account as it was in the past. This felt sneaky to me, especially since I had to pay a convenience fee to use the service, only to get burned with late fees later on.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (Medical) with URS Holding, LLC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have had XXXX initial contact with ACB Recovery and in that conversation, I have stated that I did not have the means to pay because I was disputing the charge. I told the person, that I would contact THEM once the balance with the payee was resolved. Since that conversation, ACB Recovery has called me everyday for a period of more than XXXX consecutive days between the hours of XXXX. This constitutes harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Account opening, closing, or management

Complaint: I had an account back in 2015 that i used to cash checks. One day I learned that they manually canceled a check i wrote online to the copyright office without my consent so I immediately closed the account for that was a very personal act. A few months later I went into a location on the better side of town to discover it was never closed. I went through the closing process a second time after informing XXXX location what occurred. I later went into another location where the teller began to act funny when i told her my issue. This was the location near the university i attended. I believe it is a network of university students doing this to other students they observe on campus for politically motivated reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MS).
Issue: Settlement process and costs

Complaint: Response from XXXX XXXX XXXX XXXX, 2015 I have not and do not abandon my property. 
I am still in dispute with XXXX XXXX XXXX XXXX XXXX XXXX, Bank of America, XXXX XXXX, XXXX XXXX XXXX and all other associates, remove lien, stop harassing us, cease and desist. 
I do not agree to pay any legal fees. 
I have never paid XXXX XXXX at any time stemming from this invalid loan and servicing that is not in good standing. Statements from XXXX XXXX never included XXXX XXXX name. This is my home. My XXXX adopted children will not be on the street for their greedy scams. We are victims of XXXX, Robo signing, Falsehood, XXXX, force -placed insurance, and other violations. 
I have estimates up to {$48000.00} to get the roof put on right. I have a {$140000.00} estimate to have my foundation under floors fix right. Plus all other maintenance and problems. Nothing in here is grade A materials, but by or blood, sweat and money, we made it a home for our children. You show paperwork, we did not sign. Harassment phone calls and drive by people harassing, sitting out by the yard, and then knocking on my door talking about they walking around the house for XXXX XXXX. Stop harassing us, cease and desist. 

cc : XXXX XXXX XXXX XXXX XXXX XXXX, Bank of America, XXXX XXXX, XXXX XXXX XXXX and all other associates ; Included : * Consumer Financial Protection Bureau case # 's : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *Dispute Letters to XXXX XXXX XXXX , XXXX. 
*Dispute Letters *Estimate *XXXX XXXX Letter XXXX XXXX Statements * More available Documents Upon Requests ( Including, Independent Review and Forensic Audit ) Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Listed on my credit report is a XXXX account which all XXXX credit companies claims was updated and verified on XXXX/XXXX/2017 I called XXXX and they stated that there is no account listed under my social security number. name and or date of birth which means they are fraudulently reporting incorrect information on my credit report, I am requesting a removal with in 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (DC).
Issue: Problems when you are unable to pay

Complaint: I sign up for this loan XXXX unaware of call loans and terms. This company completely took advantage of me, number the car was voluntarily given up although not noted on my credit report. In conjunction the amount is not correct at all as the car was almost paid off! This company is a complete rip off who takes advantage of customers with less than satisfactory credit!

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (VA).
Issue: Account opening, closing, or management

Complaint: In XX/XX/2016 I opened a checking account with TD. At that time, if you opened either a premier checking or convenience checking, you would qualify for a reward. 
I spoke with the branch manager, XXXX, to open a checking account with {$150.00} reward and she assured me that if I am making direct deposits and debit card purchases in a certain amount I will qualify for the reward. 
After I did whatever it was told, I was denied from getting the reward. every time when I was calling to dispute the reason, it was told me something different. 
First they told me that I have to wait for another couple weeks for the reward to post. Then they said that I opened the account over the phone, so i will not get it. Going back to the branch and talking to XXXX ( that opened the account for me and making sure I will get the reward back in XX/XX/XXXX ) she told me that I would not get the reward because I switch the premier checking with convenience checking and that 's why I will not qualify. Last, calling another supervisor - XXXX I was informed that will not get the reward because only one per household is given!! 
I 'm sure that if I continue to call they will tell me whatever other reasons. 
At this time I am looking for a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Adler Wallach & Associates, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Will not provide me with a statement showing my debt on XXXX locations of my credit report. Has not informed me that I owed anything. XXXX of the debts are not mine .. I asked for proof or statement and was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hello, XXXX XXXX XXXX started a credit card XXXX XXXX 2005 the Card number was XXXX The balance on this was covered full by a payment of XXXX and funds in our Merchant Service Account. of XXXX. This would have covered the account in full. This account was then to be removed from our credit as agreed by XXXX XXXX at XXXX XXXX XXXX, phone XXXX We would like the account removed from the Tradeline so our credit is no longer effected. The account no loner effects XXXX XXXX XXXX and only effect XXXX XXXX XXXX as we will refuse to every do business with XXXX until resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with 1st Franklin Financial Corporation (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX filed a judgement for none payment in XX/XX/XXXX. In XX/XX/XXXX I was asked to pay {$340.00} on XX/XX/XXXX, and {$160.00} every month beginning XX/XX/XXXX. I made the payment XX/XX/XXXX and every month after. After viewing my credit report I noticed my account reporting late for the month of XXXX, XXXX, and XXXX. There policy is a {$10.00} late fee and I was never charged a late fee any of the months mentioned above. I could not resolve the problem so I since payed off the account to avoid any future reporting of late payments.

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 10/21/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (WA).
Issue: Account opening, closing, or management

Complaint: Complaint against Wells Fargo Dealer Services, will not give payout on car loan, filed on my credit report repo on my car and deleqaunt on car loan not so now ca n't even get enough to refinance with another institute, many many phone calls, the rudeness is appalling and down right a personal attack.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/29/2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On or about XX/XX/XXXX this collection agency was reporting as XXXX, I disputed this information as not my debt and the item was deleted from my XXXX report. This same information is reporting again in XXXX with Transworld Systems as XXXX, the information was reported again with the same collection information as the deleted information. Additionally, the collection agency never sent any written notification of this alleged debt.On or about XX/XX/XXXX, this agency confirmed to XXXX that this debt was valid.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Spoke to XXXX at this dysfunctional collection agency on XX/XX/XXXX, per the conversation, she advised that the client transmitted this account on XX/XX/XXXX. This merchant ( XXXX ) was paid in full on XX/XX/XXXX in full for the amount of {$62.00}, the account reflects a XXXX balance according to the merchant website dated XX/XX/XXXX. The phone call with the agency was not really reassuring that they were going to rectify the situation, in fact, it is very shady as far as the business practices of the Sunrise Credit Services.

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 01/19/2017 about Consumer Loan (Vehicle lease) with MERCEDES BENZ FINANCIAL SERVICES (GA).
Issue: Managing the loan or lease

Complaint: I RECENTLY CHECKED MY CREDIT AND NOTICED A MERCEDES BENZ FIN SVCS ACCT REPORTING A CHARGE OFF FOR XXXX ON A VEHICLE IVE NEVER OWNED OR LEASED, SO I IMMEDIATELY FILED A DISPUTE WITH THE CREDIT BUREAU WITH ALL SUPPORTING DOCS TO PROVE ITS NOT MY ACCT. UPON COMPLETION OF DISPUTE IT CAME BACK VERIFIED AS MY ACCT SO I CALLED EQUIFAX AND THEY STATED MBFS VERIFIED ITS MY ACCT SO I CALLED MBFS TO ASK HOW THIS ACCT WAS VERIFIED SO THE REP XXXX AT XXXX XXXX WAS VERY HELPFUL AND ASKED MY SSN # AND IMMEDIATELY TOLD ME ITS NOT MY ACCT AND SHE WOULD IMMEDIATELY WORK TO GET THIS MATTER REMOVED FROM MY CREDIT REPORT. SO THE NEXT DAY I CALLED TO FOLLOW UP AND SPOKE WITH XXXX XXXX WHO ALSO VERIFIED ITS NOT MY ACCT AND WOULD WORK TO HAVE THIS ISSUE RESOLVED A COUPLE HOURS LATER I RECEIVED ANOTHER PHONE CALL FRM XXXX XXXX STATING I NEEDED TO FILE A POLICE REPORT STATING MBFS ACCT XXXX WAS A IDENTITY THEFT CLAIM OR MBFS WOULD NOT REMOVE THIS ACCT OFF MY CREDIT WHICH IS BLATANTLY WRONG WHEN ITS NOT MY SSN # ATTACHED TO THE ACCT NOR MY PERSONAL CONTACT INFO SO WHY SHOULD I HAVE TO FILE A FRAUDULENT POLICE REPORT TO HELP YOU RESOLVE AN ISSUE THATS NOT MINE AND NOW THIS ACCT HAS BEEN REPORTING AS A REPOSSESSION ON MY CREDIT REPORT NOW OVER 30+ DAYS NOW AND WILL REMAIN THERE DURING AND INVESTIGATION PROCESS OF 30 MORE DAYS TOTALING 90 DAYS TO BE PENALIZED FOR AN ACCT THATS NOT MINE AND THIS MATTER HAS DROPPED MY SCORE DRASTICALLY AND I CANT REFINANCE MY HOME NOR BUY A NEW CAR OR APPLY FOR CREDIT OR EMPLOYMENT DUE TO THIS ERROR ON THEIR BEHALF WHICH IS UNACCEPTABLE. ITS BLATANTLY A FCRA VIOLATION THATS HENDERED ME TO THE FULLEST EXTENT AS A CONSUMER AGAIN IT UNFAIR. SO I HAVE NO CHOICE BUT THE SEEK COUNSEL AND FILE A LAWSUIT IN LOCAL OR FEDERAL COURT ON THIS MATTER AND SUE FOR DAMAGES AND PAIN AND SUFFERING DONE TO ME AS A CONSUMER ..

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Settlement process and costs

Complaint: Bank of America has inaccurate information listed as these accounts were short sold and paid as agreed. Please see attached. I am requesting assistance in this matter. I feel they are also coded incorrectly with all XXXX credit agencies from BOA data

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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 Tuesday, XXXX XXXX, I received a new TransUnion credit score through XXXX that reflected a XXXX point fall from XXXX for XXXX XXXX to XXXX for XXXX XXXX. 

Alarmed, I pulled my credit report from all three credit reporting bureaus reflecting the following scores ( image attached ) : TransUnion - XXXX XXXX - XXXX XXXX - XXXX I spoke with a TransUnion representative, who indicated that the root cause of my score was the fact that I " have no credit history '' as my bank, XXXX, ceased to be a TransUnion " Subscriber '' and does not report credit data to TransUnion. 

In speaking with XXXX, they have not provided data to TransUnion since XXXX XXXX. 

I tweeted this complaint to XXXX XXXX and @ TransUnion. please see https : XXXX The TransUnion score impacts my financial metadata associated sold and shared with numerious parties. As such, I believe this inaccurate score is unfair and TransUnion should not share or sell this data or any data associated with my profile.

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 06-04-2016 about Debt collection (I do not know) with CCS Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I receive a letter from a debt collector and I told them it was the incorrect person. The person that owe and myself do n't have the same ssn in which they confirm. After saying they were going to address the issue I aske for something I writing which they claimed they ca n't produce. A month have passed and I received another letter about the debt

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On Friday, XX/XX/XXXX, I made a purchase at XXXX XXXX in XXXX XXXX, Pennsylvania. The cashier asked if I wanted to open a credit card. I told her that I did not, but that my husband had one. She informed me that she could look up his card using my information. She requested personal information, which I gave her under the assumption that she was looking up my husband 's card, NOT submitting an application for me.

She did, in fact, submit an application for me, which I was informed of as soon as I left the store ( credit monitoring service email notifications ). I immediately called the store, and the manager told me that because I had willing given my personal information, there was nothing he could do.

I then contacted the corporate office, as I felt this was improperly handled. I was transferred to the fraud department, where I was told they would contact the credit reporting agency and have the inquiry removed from my report within 10 business days. It has been 15 business days, and the inquiry is still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Student loan (Non-federal student loan) with United Student Aid (USA) Funds (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I live in XXXX, Louisiana. The local university due to federal funds has eliminated some degree programs. My XXXX degree in a poverty/low living wage state and XXXX of the most unhappy places to live in the United States. Collegiate education lender 's have hired a preditory attorney debt collectors to garnished my wages. Their fee has been added plus several other debt collectors. The terms is to end year 2021. I am stuck with a useless education, working in a state which provide living wages for a few and I can not pay for the systems traps that they lay for the common people.

Company response to consumer: Closed