milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/24/2018 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: Information belongs to someone else

Complaint: TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 06-10-2015 about Bank account or service (Checking account) with PNC Bank N.A. (AL).
Issue: Account opening, closing, or management

Complaint: I '' M A MEMBER OF PNC BANK ABOUT XXXX MONTHS AGO I WAS XXXX CHARGED BY A COMPANY NAME XXXX WHICH TURN OUT TO BE A SCAM SO I INFORMATION PNC BANK WHICH THEY RETURN THE MONEY TO MY ACCOUNT SO XXXX CHARGED ME AGAIN SO I WENT TOPNC ON XXXX/XXXX/15 & I TALKED TO XXXX XXXX XXXX WHO INFORMATION ME THAT MY MONEY WOULD BE IN MY ACCOUNT IN 10 DAYS BUT I CALLED THE BANK PHONE LINE IN THE MONEY WAS IN THE BANK SO THE NEXT DAY XXXX/XXXX/15 I WENT TO THE ATM MACHINE THAT WENT I LEARN THAT THEY HAD CLOSED MY ACCOUNT THEY OWE ME {$170.00} I JUST WANT MY MONEY

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On XX/XX/XXXX, I filed my third complaint with all three credit reporting agencies about my account with XXXX XXXX XXXX. XXXX XXXX XXXX will not give me proof why they are showing that I was late for the last three months on the account for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for XXXX agencies and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for one of the reporting agencies. XXXX XXXX XXXX also failed to show proof to the credit agencies about the late payments. XXXX removed the payment history, however, the other XXXX agencies have not. I disputed because it is negatively affecting me and I want the 30, 60 and 90 day late payment status removed. Transunion was contacted prior to me filing this complaint and they removed the previous complaint from off line and started a new complaint. I could not access the my dispute report for XXXX because they asked for an investigation ID #, but there is no investigation ID # on the mailed report. It asked me to call the number on the report, but no phone number for XXXX is listed in the report that was sent to me, and no phone number is listed on the website.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Wrong person, same name XXXX years older than me he doesnt pay dental, medical seton hospital phone bill. Im born XX/XX/XXXX. The person ruining my credit score was born XX/XX/XXXX.We have sname name. I live in XXXX Texas. This guy lives in XXXX Texas and previously 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 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (MO).
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  These are not my accounts and I would like to remove them all thank you.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX   XXXX   XXXX   #  XXXX   XXXX   XXXX   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 03/30/2018 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Today, XX/XX/XXXX, I received a response from Bank of America Home Loans indicating that the letter I sent them last week should be going to Bank of America N.A.

The letter in question was sent to Bank of America N.A. 's attorney on XX/XX/XXXX ( via certified mail and returned receipt ) and I have yet to receive a response.

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 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX of 2017, I noticed a collection from XXXX for {$590.00}. I had to leave my home due to a divorce, and my husband never gave me my mail so I didnt know a medical debt existed. When I discovered on XXXX I paid it immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: My Fair Credit Act Rights have been violated by Transunion and XXXX XXXX XXXX, The reporting agency and creditor keep reporting false infomation. I've sent 2 letters to the creditor asking for verifcation with both being returned due to inaccurate address being reoprted on Transunion file. A creditor has to maintain accurate information on file with the credit agency, XXXX XXXX XXXX   violated those rights also. I demand this account be removed immediatley from my Transunion file. No creditor or reporting agency has the legal right to report false information. To make matters worst Transuion sends a letter stating they will not reinvestigate this matter again, when it was never investigated the legal way. I've been dealing with this issue since XX/XX/2017. My next step will be legal actions against both companies, if this matter is not resolved.

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 10/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Creditor is in violation of Contract law ( full disclosure ) and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (I do not know) with WELLS FARGO & COMPANY (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a notice from XXXX XXXX XXXX that says I owe a debt of {$4700.00}. 

I do not owe this. 

The notice says its from Wells Fargo Bank ... I never had an account with Wells Fargo Bank ...

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 02/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went to the free sight for getting my annual report. After entering all info and gaining access to the page beginning process I checked all XXXX reporting companies. I went to my first company TransUnion and was given access to my report. After perusing the different accounts and saving and printing the report, I then clicked " CREDIT SCORE ''. There was nothing on this page. 
My second Company XXXX showed me the following : " WE CAN NOT DISPLAY YOUR REPORT ONLINE ''. o further explanation was given. I was able to purchase the credit score by joining XXXX for {$1.00}. I then got the score but had to cancel my membership within 7 days or be charged the full membership which would be automatically renewed every year until i cancelled. I, of course immediately cancelled. The 3rd company, XXXX, was the worse. They simply responded, after my entering pages of questions, that " WE CAN NOT DISPLAY YOUR REPORT ONLINE '' .No other offers or explanations were given.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/15/2018 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (NY).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: Hello. My name is XXXX. I can give you my full name after your company contacts me. I want someone to call me tomorrow. My cell phone number is ( XXXX ) -XXXX-XXXX. I have been pursuing my fight against Wells-Fargo for over six years-forced car insurance. This is due to fraudulence committed by Wells-Fargo starting in XXXX. My XXXX was repossessed and should not have been. After my car was repossessed in XXXX-one year later I contacted the CFPB and your company did absolutely nothing for me and at that time there were over XXXX other complaints as well? What was the CFPB doing at that time regarding so many complaints from customers? Were you guys out to lunch? Was everyone on vacation at the CFPB? After my complaint to the CFPB I received a letter from the CFPB-your company was my last hope and nothing was accomplished? I was informed you felt there was not enough of evidence of fraudulence on my part-against Wells-Fargo? That same year there were other scandals against-Wells-Fargo and they got caught. Who decided at the CFPB-my case and 1,800 or more cases did n't mean anything or have any merit? I want to know the names of the people at the CFPB who denied me back then in XXXX and every other complaint I made since then? Nothing has been accomplished-with your company to help a consumer who has been denied, cheated and rightfully reimbursed by Wells-Fargo? What I do n't understand is how the CFPB can let Wells-Fargo get away with fraud and the level of fraud is at 100 percent? Please contact me.

Company response to consumer: Untimely response
Consumer complaint received 03/19/2016 about Debt collection (Credit card) with WELLS FARGO & COMPANY (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with XXXX. I had my ID stolen at age XXXX, my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated.

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 08/25/2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: XXXX XXXX needs my bank to send it updated info so I can use the app properly

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Mortgage (FHA mortgage) with loanDepot.com, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Loan # XXXX LoanDepot issued an Escrow Surplus refund check in the amount of {$6700.00} on XXXX XXXX 2015. To this date i have not received the check. 
I have emailed, and called customer service several times to get another check sent out ( with a tracking number )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Debt collection (Auto) with Firstsource Advantage, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX is using multiple debt collection services and continues to collect on an invoice that has already been paid. 
In 2016, the used XXXX from GA and now they switched to Firstsource Advantage LLC. There have been other collection services involved as well, however, I do not have access to the paper any more. 

In all these cases, we provided the sufficient evidence that the payment has been made. XXXX seems to ignore that information and is switching to another debt collection agency.

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 explanation
Consumer complaint received 12/20/2017 about Debt collection (Credit card debt) with Couch Conville & Blitt LLC (LA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: We received 1 notice in the mail alerting of the debt owed. I went online and made a payment that I could afford at the time. The original debt was {$3000.00} via a credit card with XXXX XXXX. I made a payment of {$150.00}. 
About 2 weeks later before XXXX there was someone banging on my door. When I got to the door I saw an officer in full uniform, and panicked thinking something awful had happened. But, he was there to serve us papers stating what we owed and it did not reflect the payment I had previously made on their website. 
When we called to talk to them about the debt and offered to make payments they would not agree to not take further court action. They said that they were n't sure if the group of lawyers would agree, but that they normally do if we promise to payoff the debt in full with in three months. They said we would have to make {$200.00} payments each month until we pay the full amount within the three months. 
I found this completely disturbing since I had already initiated payment after the first letter. I felt they were trying to intimidate to demand payment faster. As a mother of XXXX XXXX children who were home with me I truly felt harrassed and threatened in my own home. I want to settle this and find the best solution to a horrible situation. I have also realized making any payment without a written offer is foolish and I have no written agreement from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Debt collection (Federal student loan) with National Recoveries, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: National recoveries XXXX started having my wages garnished without ever contacting me first. They had an old address that they were sending my mail to and I never seen it coming. It put me in an extreme hardship. So my ex girlfriend who happened to work for a collection agency called them without my consent, stated we were married when asked, which is not true, and got all the details about my debt. They even allowed her to stop automatic payments I had set up on a credit card of mine and allowed her to use a different credit card, which I am not associated with. This caused a lot of problems between us and is why we are no longer together. I do n't see how they can just give my info out to a person without any verification and Stop an automatic payment on a credit card which I gave them. I feel unsafe with the way they handled this situation. I do n't know how they can make this right because now I am no longer with my girlfriend who is also the mother of our XXXX year old daughter, who is also the woman I am purchasing a house and a car with. They ca n't fix their mistake of violating my rights and all the turmoil that I have endured because of their carelessness.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: Dear XXXX : After diligently trying to resolve a billing issue with Experian Credit Monitoring through their customer service department known as XXXX I have received no help and would like to ask that you look into the matter. 
In XXXX I signed up for their service, I called to cancel 2 years later not needing it anymore. A rep offered me a lower rate of XXXX down from XXXX. I accepted. Two years later in XXXX XXXX the company started billing me XXXX again. I did n't catch it until XXXX XXXX. I have attempted to resolve this overbilling with them but all they did was tell me they would refund one month which they have not ( been almost 1 month since then ). They state that I was on a trial when in fact my trial month was way back in XXXX. I was in fact on a reduced rate with no given expiration. I am very distressed that this criminal business practice is not prosecuted. I 'm looking to you for your help. All correspondence is included below. 

As you can see from the bills uploaded, XXXX/XXXX/XXXX as well as bills from XXXX and XXXX of XXXX ( new doc XXXX ) my rate was XXXX, more than 2 months before it went up, proving I was not on a 30 day trial. Additionally, I still have received NO REFUND as they stated they would give me 1 month as a courtesy. This disreputable business has taken my money and wasted my time. Please help. 

XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/18/2015 about Prepaid card (Gift or merchant card) with U.S. BANCORP (VA).
Issue: Unauthorized transactions/trans. issues

Complaint: My parents bought me a XXXX gift card for my graduation on XXXX 2015. A week after they bought it I decided to look at the balance on the card and I discovered that an unauthorized puchase had been done, this left no funds in the card. The card had not left the house and it had n't been used once since it was bought by any of us. Once I learned of this me and my family took a multitude of actions to find a solution to this problem. We sent a fax and email to BankCard Services Disputes and we made multiple phone calls to them as well. On XXXX XXXX we received a letter informing us that they were setting our claim in our favor and they were issuing a credit to the account, the same account they closed because of the unauthorized transaction. A week later I called them to inform them that we had moved and had a new address. I 've called a couple times after that and every time I call I get the same answer : We are going to send you the card, wait about 5 or 6 weeks. We have been waiting for several months and still have no card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-03-2017 about Debt collection (Medical) with Seattle Service Bureau, Inc (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: COMPLAINT Now comes, XXXX in consumer capacity filing a complaint against debt collection agency National Service, an XXXX agency licensed to collect debts in the state of XXXX from the state of XXXX ; In XXXX, I checked my credit report and discovered National Service tradename on my credit file as a closed account and disputed the account with all three credit bureaus ; On XXXX XXXX, XXXX I received my credit report update from initial dispute, and National Service was update to XXXX and XXXX credit bureaus as a verified account ; National Service placed their tradename on my file in XX/XX/XXXX ; and date last reported XX/XX/XXXX ; For the record, there is no evidence of a contractual liability ; expressed or implied tacit agreement with National Service and XXXX ; I have never received any validation letter from National Service prior to their tradename on my credit file in XX/XX/XXXX ; and allegedly verifying the debt as valid to Equifax and Experian ; This conduct is a direct violation of 15 USC 1692g ( a ) ; ( b ) Validation of debts ; ORC XXXX, and XXXX vs XXXX Case No. 2:14-CV-0054 ( S.D. Ohio XX/XX/XXXX ) This conduct is a direct violation of 15 USC 1692e ( 10 ) ; ( 2 ) ( a ) false and misleading representation ; ORC 1321.45 ( G ) ; XXXX v. XXXX, 970 F.2d 1516, ( 6th Cir.1992 ). 

This conduct is defaming my character without proof of claim of a valid honest contractual agreement in writing In accordance with ORC 1335.05 XXXX Statutes of Frauds ; XXXX., XXXX. v. XXXX., Slip Opinion No. XXXX ; This Conduct violates 15 USC 1681g disclosures to consumers FCRA by not properly validating the debt to me after initial dispute in XXXX XXXX, XXXX ; and falsely misleading credit bureaus with inaccurate information ; I am being denied credit do to the fact of National Services ' actions, and If their tradename is not deleted off my credit file ; I will filing civilly seeking punitive damages in accordance with United States Court of Appeals, Fifth Circuit, Case No. 91-7142, XXXX vs. XXXX, XX/XX/XXXX ;

Company response to consumer: Closed