milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: An account from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) in the amount of {$1800.00} began reporting on my credit report on XXXX XXXX, 2013. Despite constantly disputing this debt with TransUnion, the debt still remains on my account. I have yet to receive correspondence validating the debt or a copy of the original debt with my signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have a disputed debt with  XXXX  financial that appears on my Experian Credit Report. After disputing the debt with the collection agency directly, they did not remove the account or mark it as disputed. Instead they referred the account to an attorney to attempted to use removing the credit trade line as a means of getting me to sign away my rights under the Fair Credit Reporting Act. Regardless of this,  XXXX  is willing to delete the tradeline in exchange for a release of your claims. Please let me know if you will accept this offer. Sincerely,  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX  After receipt of this e-mail I spoke with  XXXX   XXXX , managing partner of the firm who stated that offering to delete tradelines is a common practice their firm uses to avoid litigation provided the litigant agrees not to sue their client. This is complete abuse of the credit bureaus, inaccurate reporting and holding credit reportin g hostage under the FCRA, and blatant violation of the terms and conditions of credit reporting.

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 05-10-2017 about Mortgage (Conventional home mortgage) with PLAZA HOME MORTGAGE, INC. (FL).
Issue: Closing on a mortgage

Complaint: XXXX   XXXX   XXXX  provided me with a good faith extimate that did was grossly different from the final closing  XXXX / XXXX / 17 . The rate was increased mor e than .1 o f a percent and there was a fee of  XXXX   XXXX  dollars that was added in the last week when I could no longer extend the contract with the seller.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/31/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a notice from XXXX XXXX sometime ago about a debt I supposedly owed. I disputed previously and received a response that it was no long being collected and would be removed from my credit report. However it has n't been deleted.

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 01-02-2017 about Debt collection (Medical) with AMCOL Systems, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a debt collector letter for Amcol not to contact me about this debt. I do not owe this debt it is not mine. They have completely ignored my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Vehicle loan or lease (Lease) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint: In XX/XX/XXXX, my husband and I returned our leased XXXX XXXX back to the same dealership at XXXX XXXX in XXXX. This was within the 60 days early that we could return the vehicle. In XX/XX/XXXX we had the XXXX XXXX inspect the vehicle for damages and wear and tear. They cleared us of any damages and gave us a form of the inspection. By the time we dropped off the car, they dealer said we were good and did not owe anything on the vehicle, and when asked if we needed to do anything else, they said they did not know because they did not do leasing often. Then by XX/XX/XXXX, the XXXX XXXX company who did the finances to the car called to ask where the car was located, and we stated on at least 4 separate calls that the car was with the dealership and we had the paperwork from the trade in that the dealership had the car. This lasted until XX/XX/XXXX, when they called and said we failed to turn in the car and owed over {$800.00} back for damages to the vehicle. For the whole month of XX/XX/XXXX through XX/XX/XXXX we dealt with this problem, until the management and executives got involved after a BBB complaint was filed. The management waived the charges and said we were good and the account is cleared. They sent a final bill to us, but never showed that we did not owe the {$890.00}, nor a letter of good standing for the account as we requested several times. When we moved to XXXX for military orders in XX/XX/XXXX, on several occasions we received multiple calls stating that we owed roughly {$500.00} for the car. When we spoke to the manager, they read the previous notes and said they would waive the fees, and that we were cleared. I asked for a letter of the final bill again, and a letter stating that we are released of all liabilities and charges for the car. However, on the same day and the next day we received a call from the company stating that we still owed roughly {$500.00}, and then during the conversation they realized the note in their system and hung up. During mid XX/XX/XXXX, we received another phone call again from XXXX XXXX stating that we now owed {$310.00} in assessments fees. When questioned about the new charges, they stated that it was for the property taxes in XXXX from last year. I stated that we already paid the taxes for last year in full around XX/XX/XXXX and they said could not explain the charges anymore. They still said we owed that amount,  even after looking at the notes. Then on XX/XX/XXXX I received a letter stated that they have received all required payments a of XX/XX/XXXX. When I looked online at our account it still showed that we still had the payments for the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: i am a retired XXXX of XXXX large corporations. I take great care of my credit report and especially scoring.During the last 30 days, i reduced XXXX of XXXX revolving credit accounts and zero 'd down to a credit balance on another.During that time my score dropped from XXXX to XXXX, from a previous high of XXXX. When i inquired XX/XX/XXXX during XXXX hour, XXXX individual contacts during the last contact with a supervisor named " XXXX '' while waiting for her supervisor, i was disconnected., though my return number was verified during the call, no one called me back, calling back i was advised the company was so large identifying " XXXX '' was impossible, even when i quierried how long the recorded calls were maintain, i was advised six ( 6 ) months. i told XXXX reason was on the XXXX 'd down account of XXXX credit, there was a XXXX charge. The other reason was, during this period XXXX ( XXXX ) previously closed, but remained open accounts from 8 years ago, " reported '' these accounts as " dormant/no activity account '', reviewing the credit report they show " Paid and Closed '' I was then told these will remain for an additional ten ( 10 ) years on my report, and that I can expect my score to drop additional points in the next reporting period.i questioned these accounts since i could NOT reopen them without reapplying, again impacting my score. I was advised by " XXXX '' that i should have maintained a monthly minimum charged balance, paying monthly on these XXXX revolving accounts, I questioned again an additional open XXXX retail charges, and was assured it would have protected my scoring, but since they have been reported in this manner they will remain for an additional ten year period, though " closed '' paid as agreed, no activity dormant accounts. Oh a final comment, I 'm XXXX years old and in my credit history, there has NEVER been a reported late payment. There is a public note from a deeded property owned by my xwife, because of a late tax payment, i was included in the lien on my credit report on property i did not own, im also stuck with this until XX/XX/XXXX, good thing is ill have passed before this drops off, or should i sahy, ill drop off before this item. 

Thank you for what ever results you can provide, even if it opens an issue that will help others, i understand i 'm NOT the only on impacted by this practice, and I DO understand credit scoring purely drives higher interest rates for loans, again thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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: In 2014 a Bankruptcy was file and dismissed under my name. 

The Bankruptcy is being reported / re verified, reported incorrectly, to Experian by XXXX XXXX, in violation of Federal Regulations.

I.E. Fair Credit Reporting Act Sec. 1681C, mentions nothing in in this act on the disposition of dismissals or filings, the law clearly states from " Date of Adjudication '' or " Order of Relief '', in the event of a " Dismissal '' there is n't an " Order of Relief or " Adjudication ''.

or 1681 ( a ) 5 of the FCRA, for more detailed information. 

Therefore, XXXX XXXX is in violation of selling/reverifying public records to Experian, knowing they are in violation of Federal Regulations and Experian is aware of this and still refuses to remove said, Bankruptcy Reporting action, from my report, both companies need to be held accountable for knowingly violating Federal Law. 

So, all the reinvestgations have proven to be a farce and have n't held XXXX XXXX or Experian to the letter of Federal Regulations

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 11/16/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have submitted several disputes for inaccuracies on my report. As of today, Neither Equifax nor the collection agency have provided me with any documentation as requested to validate the debt. I filed a previous complaint about the collection agency who admits to not have responded timely after receiving my dispute. They claimed to have flagged it as disputed but yet I have credit reports that are attached and show otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I submitted a debt verification letter to Syndicated Office Systems on XX/XX/XXXX via cert. mail. I did not receive a response. I reached out to the company via phone at XXXX on XX/XX/XXXX and spoke with a XXXX. He informed me that the account is in " Review Process '' therefore the only option I have at this time is to pay the account. I asked when was the account placed in this status ; he informed me that in XX/XX/XXXX. He was not able to inform me as to when the account will be taken out of this status. I ask to speak with his manager or provide me with his manager 's information. He refused and stated that there is nothing that he nor his manage can do for me at this point if I am not willing to pay off the account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Money transfer, virtual currency, or money service (International money transfer) with TD BANK US HOLDING COMPANY (NY).
Issue: Money was not available when promised

Complaint: TD Bank XXXX XXXX XXXX deducted USDXXXX from my savings account for an international wire to my overseas account, but it never arrived. On XXXX XXXX, I went to TD Bank in XXXX XXXX do a wire transfer for USXXXX to my account in XXXX XXXX XXXX The money was deducted from my savings account. They said it will be there in 3-5 days. But it never arrived and I called TD Bank several times as they performed an investigation. Without giving any explanation on what happened, they said they wired the money XXXX XXXX or two weeks later, and that it would appear in my account XXXX XXXX. On XXXX XXXX, the money is still not there and I called them again. They said XXXX XXXX has confirmed that they 've received it and I just need to wait for the latter to show the money in my account. I called XXXX XXXX and they asked for a reference number to identify if money has indeed been sent by TD Bank in XXXX. I called TD Bank in XXXX for the nth time, and they said the money was never deducted from my account - I promptly reminded them that the deduction appears in my account. So now, while on the call, the customer service representative is finding out what 's happening. She 's 5th one I 've spoken to, and each time the story changes. This last one did n't even know the very first thing  about the complaint - the money was deducted, but was n't received. It 's been almost a month and my XXXX XXXX dollars is still missing. UPDATE : Customer Service just came back to say XXXX XXXX returned the money due to an erroneous account number, but after conversion rates, only USDXXXX was returned to my TD bank account. I basically paid USDXXXX for a service they did n't perform.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have cosigned for my son. paying since 2003!! Continually harassed monthly both myself and my son I recently retired due to health issues and has been in contact with Navient to try to come to some settlement. They refuse to stating we have already made arrangements too many times!! This is a horror show and they harass you constantly and refuse to help you solve the issue. The interest rate is more than a mortgage would be thru a bank. This is unacceptable way of doing business. I am a XXXX and paying on a student loan for 2003!! I now have credit card debt besides owing the loan with is impossible to pay down with the interest rates they apply

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Credit card () with Capital Management Services, LP (TN).
Issue: Other

Complaint: I previously filed a claim in XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX and illegal debt owed. Now I have a proposition to file with same company, Capital Management Services , LP of same claim of debt not owed. I have sent numerous letters as return to sender, phone calls. i contacted XXXX XXXX XXXX, ( XXXX ) XXXX debt paid in full. per transcript. I wish to seek help in getting this resolved and seek restitution for illegal payments to both companies and threating phone calls/letters. Please help!

Company response to consumer: Closed
Consumer complaint received 03-10-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I took a loan out with XXXX in XXXX. I was not able to pay back the loan and it went into collections with " XXXX XXXX XXXX, XXXX ''. Once I was financially able to pay the loan off, I call the collection agency and paid the loan off. This was done in XXXX '. My Experian Credit report still says that I am in collection on this loan. I tried to dispute the information, letting them know I paid the loan off, and it was denied. I tried again to dispute the information, and was told I could not do this because I had only one time to dispute the item. 
Now, I it says I still owe {$3200.00}. that is in collection, and past due as of XXXX XXXX. This is not correct and it needs to be updated to say I paid the loan off. Any help on this would be very much appreciated. Thanks,

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 01/15/2017 about Consumer Loan (Vehicle loan) with TFC Group, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: I had a financial emergency for which I took out a title loan on my XXXX. I have been self -employed my business was doing well enough that I was confident that I would be able to pay the payments on the monies I was given. I then woke up one morning unable to feel the right side of my face and unable to speak correctly and could not see out of my right eye I have been diagnosed with XXXX and have to have in home health care services to assist me in getting dressed and driving me to where ever I need to go such as doctors appointments I also have a minor child who needs to get to school. my business has greatly suffered due to my condition which my doctor says is caused by the serious accident that I was in to which I was nearly killed for which i sustained multiple injuries one being a XXXX that was never addressed with my medical treatment. I wrote a letter to XXXX at Trading Financial Credit to explain my situation and that I could only send them {$300.00} per month which would only be for a few weeks until I got my settlement money to pay off the loan I even attached a check for {$300.00} with the letter..I made XXXX payments XXXX for XXXX and XXXX for XXXX I had not heard from the company so I was relieved that they were in agreement to accept my payments.On XX/XX/XXXX a tow truck showed up at my place of residence to repossess my XXXX .I did not surrender my vehicle it is still in my possession.I called Trading Financial Credit and spoke to a woman in the recovery department who told me that I had been sent via email 2 notifications XX/XX/XXXX and XX/XX/XXXX to which i stated to her that I check my emails daily and there were no emails from them notify me that my car had an order of repossession. she proceeded to tell me that in order to get my account current I needed to give them {$1200.00} and that in 12 days it would be {$2000.00} so I should just give them the {$2000.00}. she stated that if i was in bankruptcy status that would be the only way i could keep my car. i spoke to 2 different bankruptcy attorneys and was told i would still lose my car. On XX/XX/XXXX I spoke to a XXXX who is the Servicing Manager to once again explain my situation to which I was told he did not care and that in order for the repo order to be removed he wanted me to pay on XXXX XX/XX/XXXX {$340.00} via XXXX and once I gram and once I gave him the transaction number he would remove the repo order but it would only be for 2 weeks after the 2 weeks i had to pay {$890.00} or the repo order would be in effect again. they will not work with me for only a few weeks thats all I am asking until my settlement comes to allow me to pay the {$300.00} to them and not repo my vehicle but they are strong arming me to come up with money i do not have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: i was XXXX in XXXX XXXX and XXXX XXXX in another XXXX. I asked Capital One to send me information in large print. I recently had XXXX XXXX to restore my XXXX in my XXXX XXXX. I used my reward points with XXXX to rent a car. I dented the bumper and now I 'm responsible for the damages because I was n't aware you had to pay for one days rental on the card. XXXX did out a hold on my credit card and charged {$2.00}. XXXX also closed out the contract when I could have extended the rental for one more day and pay for one day of the rental period. XXXX even told me to have them to do this. Now I 'm stuck with a bill because I never was able to read the fine print. I trusted what Capital One told me. I would be covered if I declined the insurance offered by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I checked my credit report an there is a report to the credit bureau of a delinquent payment for {$160.00} to urgent care in XXXX VA ( XXXX ). The bill was paid in full and should have never went to collections and was agreed upon by the billing department from urgent care in XXXX. I was told the collection agency ( XXXX ) ( XXXX ) has access to their computers and this was done in error. This action has put a blemish on my credit and they should be held accountable and fix the error immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Chek Cash, Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: on XX/XX/18 I got a email alert from credit bureau that a loan company from a unknown source had accessed my XXXX XXXX credit report in violation of [ fair credit reporting act ] with a hard inquiry sending my score down.i have not applied for any credit any where.nor have I gave permission to anyone to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Disputed this collection on XXXX and it was Verified Accurate in XXXX-3 business days on XXXX. 
1. This account was removed before as it is not my account. 
2. I have no knowledge of this account. 
3. I followed up with my XXXX XXXX XXXX who advised I am not in collections and do not have a current balance. 
This debt is frivolous and should be removed immediately. How can an item be disputed and verified in 2 business days? What is the process for verification? What information has the collection agency provided that this collection is valid and in my name? How was I able to have XXXX service if this collection is stating have an over due collection balance of XXXX. XXXX? 
Please remove this debt.

Company response to consumer: Closed with explanation