milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Credit reporting agency TransUnion has done nothing to correct my Credit Report. I have notified them that XXXX XXXX XXXX and XXXX XXXX XXXX Have added on Fraudulent Charges after the accounts were closed by me. I want an Investigation into the practices and policies of both banks that Go out of their way to add Fraudulent Charges to credit cards that has A {$300.00} Credit Line. Both credit Cards were closed with a {$150.00} Balance. Looking forward to hearing from you at your earliest convenience. XXXX XXXX XXXX XXXX XXXX XXXX Card Number : XXXX XXXX XXXX XXXX Card Number : 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 08-01-2017 about Checking or savings account (Other banking product or service) with ARVEST BANK GROUP, INC. (AR).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: My bank account will not get approved so I can cash out. It 's really upsetting. It says it takes 1-2 business days and it 's been a week.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (Other debt) with Accelerated Financial Solutions, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: There is a collection account showing up on my credit reports from Accelerated Financial Solutions in XXXX, VA. I have no contract nor account with this company, and they have failed to provide validation of the debt they're saying I owe. I would like validation of the debt or for the account to be removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: On XX/XX/XXXX and XX/XX/XXXX I submitted disputes to Equifax - XXXX XXXX and XXXX - Neither times did I receive any results except for the standard letters that say its valid and verified. That is not what I had requested be sent to me - I asked for verifiable proof that the accounts I am disputed were 100 % legitimately my accounts and to send proof that they were or delete them immediately from the reports I have filed the disputes with. Not one time was this done and I was it to be fixed immediately as it is hurting my credit report. As a consumer it is my right to fix in-correct items on my credit file. As an agency it is their job to fulfill my request as stated!

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I disputed a bankruptcy and some credit card accounts. In XX/XX/2018. At the end of their investigation Trans Union Credit Bureau just stated that the Information was Updated. 

Results : Item ; Description ; Results ; CHAPTER XXXX BANKRUPTCY FILING Docket # XXXX INFORMATION UPDATED XXXX XXXX XXXX XXXX XXXX XXXX # XXXX INFORMATION UPDATED According to rules and regulations of the " FDCPA Section 807 ( 8 ) " the Credit Bureau must put a statement with these accounts to show that they were disputed by the consumer within 30 days. They did not do as required by the law. Trans Union Credit Bureau is in violation of the law.

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 04/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) Transunion is reporting a collection for XXXX XXXX XXXX. There has been no attempt to validate this debt, therefore it should not be reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Payoff process

Complaint: My husband ( now ex ) put all his debt in my name including most of his student loans ( he is a doctor ), convincing me he would pay it in full. Unknown to me, he either missed payments or did not pay the full monthly amount adversely affecting my credit score. Little did I know, my husband was preparing to leave me with all his debt. This was devastating both emotionally and financially. I notified Capital One to inform them of my personal, financial hardship and asked if they could work with me. They refused, on several different occasions throughout three years. I informed them that my divorce lawyer was recommending I declare personal bankruptcy ; however, they still refused to help me repay the debt. I did not and will not declare bankruptcy ; however, Capital One has truly adversely affected my credit history ; despite my several attempts to explain my hardship. I am and have been paying them back once the credit card was ordered by the court to be my sole responsibility without my ex-husband 's need to control me. It has been three years since that court order and each payment was timely and in full. However, six payments missed still reside on my credit history. They have blatantly refused to help me in anyway, despite my several attempts. The debt was XXXX and now I am about to pay it in full with XXXX large check. Do not get a Capital One credit card, an unexpected hardship may occur and they will provide no assistance. Instead they contribute more pain, stress and grief to that hardship by their denial to assist in anyway ( even when you WANT to pay the debt back ). Capital One will watch you go through this hardship and then take their proverbial dagger and slice you at the heels. Crippling you more via your credit history!

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Chase bank continues to mislead me and lie to me and cheat me. I have had 3 mortgages with them and they told me I qualified for modifications on all 3. I have received 2 modifications. They have lost {$11000.00} that I sent them in payments in forbearance and refuse to find it. I am totaling frustrated with them and want you to help in resolving my complaint.They are now offering a mod on the final one and want me to send them payments but they have not been accountable to me for the money I have already sent them and so I have opened a savings account and placed the money there. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 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: I closed an account with Bank XXXX XXXX and it 's been inaccurately reporting as closed by credit XXXX when I disputed it with credit bureau they did n't correct it even when I sent them proof as Bank XXXX XXXX sent me a letter clearly stating that I requested to close it

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 07/30/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Balance transfer

Complaint: Chase Bank Credit offered me a 0 % promotional rate on a balance transfer. They then proceeded to charge me an annual fee in between my billing cycle so that the charge was treated as a " regular purchase ''. I paid the annual fee but could not have the interest charge removed. this charge will linger on my account for 2 months until it is paid and there is nothing I can do as the company will not reverse the interest charge.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2015 about Debt collection (Credit card) with Dynamic Recovery Solutions, LLC (FL).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: this is the third party is call me threatening me if i do n't pay will take me to jail./or they reported to credit bureau.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-08-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I have made numerous extra payments to Ocwen Loan servicing for my mortage. According to the online payment information, Ocwen holds payments in suspense and credits whatever amount it chooses to principal, but each month send me a letter that I am past due. They should be put out of business, but I would settle for my account being corrected. They do not return emails and if they call they do not speak English..

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Pacific Financial Group (Closed) (CA).
Issue: Application, originator, mortgage broker

Complaint: I wish to remain anonymous. Recently, I found out that ththe Loan Officer I am working with does not have aNMLS number. I searched on NMLS Consumer Accessbut her name does not exist on the database. I didfurther investigation and found out that she hascriminal history and was incarcerated because offinancial fraud. I find this very concerning. 
Her name XXXX XXXX and she advertises her company asPacific Financial XXXX XXXX XXXX # XXXX, CA XXXX request that you look into this serious matter andrequire her to obtain NMLS number if she is to workon loans. This is very concerning to us consumers. 
Please feel free to email me XXXXXXXXXXXX. Thank you for yourhelp in advance.

Company response to consumer: Untimely response
Consumer complaint received 12/31/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I never received any notice about this so-called debt that Midland claims is mine. I 've never received anything in writing/mail regarding this debt. I only found out about this debt when I ran my credit report. I have since requested numerous times that Midland verifies that this debt is actually mine. They have failed to do so and are now after carefully monitoring my credit account I have found out that Midland is now threatening me legally. I feel that my legal rights are being violated and this company are using unscrupulous means of collecting a debt without legal validation.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Debt collection (Other debt) with Tri-Counties Accounts Adjustment Bureau (ID).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: My boyfriend received a call from XXXX XXXX at XXXX XXXX XXXX XXXX at XXXX on XXXX XXXX  2018.      Here is what he told me occurred:




The above was all from him and I am not pleased with them sharing my personal information and i know that it's not legal!

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Most of my current open tradelines ( revolving and current auto loan ) are not reflecting current information as of XXXX 2016 and still reflecting last reported payment date as of XX/XX/2016 or prior. The other credit bureaus XXXX & XXXX are reflecting up to date balances, payment history etc but Equifax still has not reported this information. This is adversely affecting my credit and scores and current balances and payment history is not being reported. These accounts are open and current and even new credit line increases are not being updated as well. I have disputed this information many times with equifax this past year and still shows in dispute however its been way over 90 days with still no update with correct reporting information. I have made payments on this account all the way up to XXXX 2016 and still shows last payments made were on XX/XX/2016?? this is not correct whatsoever! Equifax needs to update this information to current date.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Credit decision / Underwriting

Complaint: They have still made it impossible to process paperwork and get new buyers into my property. I want to file a suit with the company and go to court over the finding and I have realtors and title company that will testify and verify what has happened here. I have numbers us recorded phone calls and emails and letters all which have led the buyers to walk because they had to wait so long.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Checking or savings account (Checking account) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (TN).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: The employees with First Tennessee Bank made withdrawals each time I made a withdrawal. XXXX XXXX caused this problem when she set up this fraudulent account with XXXX XXXX. XXXX XXXX had given my actual retirement to XXXX XXXX XXXX XXXX in the amount of {$280.00} XXXX. The check from XXXX was made in my name. XXXX XXXX mailed to First Tennessee Bank. Never seen by me or endorsed by me. XXXX XXXX intentions was to set me up. XXXX XXXX notified me of her fraudulent acts. She had me followed, beaten. On XX/XX/XXXX I  made a withdrawal in the amount of {$5000.00} XXXX. A misc debit was done in the amount of {$5400.00} on XX/XX/XXXX. I made a withdrawal in the amount of {$74000.00} on XX/XX/XXXX from XXXX XXXX. First Tennessee Bank employees made a withdrawal for the same amount on XX/XX/XXXX. First Tennessee Bank off set their withdrawal using the bank deposit slips & withdrawal slips. I did n't receive the copy from XXXX until XX/XX/XXXX. XXXX XXXX lead me to believe my stock/wad sold to XXXX XXXX. XXXX XXXX informed me of what XXXX XXXX & XXXX XXXX had done. I learned that XXXX XXXX was working with First Tennessee Bank to take my home. I decided to make an investment with a company. I did a wire transfer on XX/XX/XXXX in the amount of {$25.00} XXXX First Bank XXXX The XXXX was suppose to be deducted from the XXXX. It was separated. First Tennessee Bank used their deposit slips once again to adjust their transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Mortgage (VA mortgage) with PLANET HOME LENDING, LLC (IL).
Issue: Struggling to pay mortgage

Complaint: Planet home Lending told me sheriff 's sale would be XX/XX/XXXX  . It was delayed 3 or 4 different times. They even had some scheduled without notifying me, found out from a neighbor. I moved out before the first scheduled sale. At one point they had someone call me and offered me {$700.00} to get my stuff out so they could fix it up and rent it. Another time they falsely accused me of abandoning it broke in and changed the locks.i made a report to police and pictures were taken. I have been doing the yard work ever since I left. They had another sheriff sale  XX/XX/XXXX . On  XX/XX/XXXX  they had a realtor put a sign on the door saying no trespassing and threatened prosecution. I called sheriffs off ice and they said the sale was not approved or signed by a judge and I have the right to go  in.I m ade a report to local  police.This  home was at one point financed through  XXXX  and I believe something crooked is going on because of 2 years caused me to move out. They kept sending me @ {$1000.00} a month bill.I could have fixed this home and got some of my money back. It is a VA loan. They are ripping off me and the VA. I purchased it for {$140000.00} in XX/XX/XXXX  .   I wa s told they purchased it back for $  XXXX  I b elieve with about {$20000.00} investment this home could sell for close to {$200000.00}. I 'm looking to sue for my losses.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Upon pulling and reviewing my credit reports I closed my account with  XXXX  Bank  XXXX   2017   (   XXXX  CREDIT CARD ) when I viewed an alert it shows  XXXX  discrepancies on my individual reports.  XXXX   XXXX  Reported that I was 30 days late in  XXXX   2017  but current  XXXX  and    XXXX    2017    with Equifax. My  XXXX  report shows CURRENT  XXXX  but late  XXXX  and  XXXX     2017  on my payments. This is clearly an error and very damaging to my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit card () with U.S. BANCORP (WA).
Issue: Payoff process

Complaint: I filed a complaint last week but I need to add more to it now that it has been a week and I still do n't have my money back. When I first called on Tuesday XXXX XXXX I was told it would be taken care of right away, I called back on the XXXX because it was taken care of, I talked with a manager and we did a XXXX way call to verify with my bank that the money was in fact taken out twice, I was told it was a XXXX3 day proses o have the money returned. That would mean when I called thuesday it would be back by Thursday at the latest. I also called my local US bank and talked to the manager there, she said she would call herself to make sure this is rushed being it was {$12000.00} that was taken out. She then called me back after talking to someone and told me the money would be back in my account Thursday or if not then then for sure by Friday. Well Friday came and went and still no repayment of the extra {$12000.00} they took from my checking account because of a computer glitch on their end. I called customer service again on Friday and talked to another manager. I was then again told oh we are very sorry but it does n't look like the person you talked to on wed. Noted on the account that he already verified the money was taken out so we will have to do that again and we do n't work on the weekend so we will have to do that on Monday. And after they do that on Monday it will then be another XXXX3 days to process. Well it is not XXXX XXXX and I am still waiting for my {$12000.00}. The manager did call on Monday saying it was out of the XXXX department now I just have to wait for them to submit for the refund. I asked them what they are willing to do to make this right because they stole over {$12000.00} out of my account and refused to put it right back in. They said they are willing to give me a {$75.00} credit and a sorry. I told them {$75.00} does not cover the size of mistake they made and the stress it caused me of going a week missing {$12000.00}. They were not willing to do another more and said I could send a letter to take it further. I have never received such horrible customer service regarding a mistake that there company made. I should never have to wait over a week to get money that was wrongly taken from my account especially when it was such a large amount. I feel this was very criminal on their end and they need to do something much more then give me {$75.00} to correct their issue. If I would n't have been lucky enough to be able to pull money from a different account to cover their mistake I could have had many payments and things bounce back because my account would have been negitive and would not have had any funds to even live off of. Luckily I just sold my condo and had some extra money to still live on for the week.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The loans were in forbearance and it 's reporting late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Debt collection (Medical) with Pendrick Capital Partners Holding, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Affiliate Asset Solutions Dept Collections called and wanted payment now for {$630.00} for a XXXX XXXX, 2014 ambulance bill from XXXX XXXX XXXX. They would not give us an address, except XXXX XXXX XXXX, Georgia. We did not pay them. We called XXXX and were told we do not owe any money and they do not use this depth collection service. I think this is a scam.

Company response to consumer: Closed with explanation