milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Yesterday, I found that the Transition system glitch affected my inquiries on my credit report. I was notified with the 5-day legal notice. I then contacted Transunion and they would not honor my request.

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 11-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Harrassment by a company called Hunter Warfield who is seeking to collect a PAID obligation in the amount of {$1200.00}. The amount is representative of charges remaining upon termination of a lease with XXXX XXXX, an apartment complex in XXXX XXXX, Tx that is owned by XXXX XXXX XXXX. I made payments to XXXX XXXX 's management plus additional payments to this Hunter Warfield who is the debt collection agency that was engaged by parent XXXX XXXX XXXX. I fully paid the obligation over a span of several months a total of {$900.00} in payments. The remaining {$300.00} was paid via application of the pet deposit that was paid to XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In or around XXXX my Identity was stolen and used to open several auto loans and credit cards without my consent. I would like to have this removed from my credit as soon as possible because I should not be punished for being a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Related Case Number XXXX Related Case Number : XXXX I have attempted to work the following matters out with the information Furnishers, XXXX XXXX XXXX ( XXXX pending litigations against ) and XXXX XXXX XXXX ( Filing a case soon ) for violations of the Fair Debt Collection Practices Act - FDCPA FCRA - Fair Credit Reporting Act, and TCPA - Telephone Communications Act Of 1991 Equifax responsible since it continues to allow reporting of inaccurate information. 

The account was reported under XXXX XXXX XXXX and then they sold the account to XXXX XXXX XXXX, XXXX companies reported the same item on my credit report. 

Furthermore, as required under the Fair Credit Reporting Act the credit bureau is required to notify me within 5 days of re-insert date, which has long since past. 

" 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ''

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Refuses to remove all inquiries. I have contacted the credit bureau multiple times explaining that I have contacted the furnishers of information they are reporting inquiries from and I have been able to get no where. I have not been able to get any factual evidence showing that the inquiries reported are mine. The credit bureau agency claims that they have validated the inquiries are factual. How can they determine something is factual when I can not?

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 02-10-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax Refuses to remove negative items and inquiries from Credit Report even though companies are unable to validate debts via signed contracts. Credit score incorrect. XXXX XXXX, XXXX XXXX XXXX has placed invalidated information on the credit file via 3rd Party Collection Agencies which have failed to validate these debts. They are unable to provide a contract signed by me to validate the debt. Inquiries disputed but have yet to be removed. It 's past 30 days. Company not compliant with FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: i had call wells fargo bank back when i get hurt at my job  XX/XX/XXXX  but i call around  XXXX / XXXX / XXXX  to tell i get hurt on the job if i can have a do payment plan bacause i was work 's comp i could n't paid the full payment they said i could n't do have payment plan i told i would what give sent   XXXX   or money i had Then start they never sent me letter until resent harassment me by leaving note on door later at nigh  XXXX    XX/XX/XXXX  and    XX/XX/XXXX  then call wells fargo talk to   XXXX   XXXX   she rude to me then said she did n't care what kind of problem or injury i had to paid my credit card that 's my problem i tell have do n't have job that i was injury she said you get to paid it that 's your problem!!! I told them i try work out payment plan they didnt want when i call first time i get hurt Now they come to my house some person give me letter  XX/XX/XXXX  saying the letter sued me for defendants accessed the line of credit not paid case number  XXXX  which have paid  XXXX  when extra money now they are taken me to court i am still work 's comp i lost my sister  XXXX  ago i help paid for funeral then mother before my sister i i had the money i would my bills do n't money i did n't job i am injury i lost everything!!! My another credit card i sent what i can Please let me know what they said My email is  XXXX  XXXX  XXXX  Thank You for please me  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 non-monetary relief
Consumer complaint received 04-11-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I 've requested my credit report from Experian and received it. Upon review I noticed many discrepancies. I 've reached out to the companies listed and informed them about the information listed on my credit report. They do not have the information being reported by Experian in their records and informed me to contact Experian to dispute. I have sent 2 letters to Experian in regards to a claim to make the change and no response. I am also unable to dispute online and receive a message that I can not dispute online. I do not have my complete report number in the credit report sent by Experian and I am unable to complete a dispute online with my personal information or entering a credit report number. The contact number Experian has, is automated and only for requesting a copy of your credit report. No live representative option is given for disputes.

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 01-11-2017 about Debt collection (Medical) with CCS Financial Services, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Do not owe Credit collection Services a penny. Never signed a contact with them, Dont know who they are. They listed a derogatory remark on my bureau and also listed it as medical which is againt HiPAA regulations. They can not validate with my signature that I have a contract with them or anyone else for that matter. I sent a certified letter asking for validation and they can not provide it!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: This is the private portion of my student loans to attend XXXX College in XX/XX/XXXX. There is XXXX issues with this so called debt. First I have never been able to get a job due to the lack of the proper training. This is the same reason that XXXX College was shut down. I disputed this debt with new collection company in XX/XX/XXXX. Under the Fair Credit Reporting Act they are required to send me the original contract. Instead of sending the original contract they sent me a contract with no signatures, the wrong address, and a lot of other missing info. 
The second reason I do n't feel I owe this debt is in XX/XX/XXXX I XXXX. All my federal student loans have been dismissed by the government and this loan should follow suit, but typical of a greedy corporation they want me to pay for a bogus degree that I ca n't even get a job with.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (IL).
Issue: Managing the loan or lease

Complaint: I obtain a auto loan from Credit Acceptance in the year XXXX around XXXX. I was never late on any payments, all my payments were on time. XXXX XXXX my car was impounded by XXXX Police. I contacted Credit Acceptance and informed them of the situation, they informed me to contact their repossession department. When I spoke with them they informed me they will retrieved the vehicle and incorporate the amount into my payments. My payments before the impoundment was {$300.00} after the adjustment my new payments {$450.00} due on the XXXX of each month starting XXXX XXXX. On XXXX XXXX I made the full payment of {$450.00} but the rep. informed me that the rearrangement has been broken and now I owe the total {$990.00} or the vehicle will be disable to drive. I informed him that I was one day late due to my pay day on the XXXX of the month not the XXXX. He stated " Well you a day late and a XXXX short '' how are we going to handle this. I requested to speak with a supervisor, I spoke with supervisor and I made the {$450.00} payment and he told me now the arrangement will be every two weeks of {$300.00} until the pass due is current which will be in XXXX. Every since this incident of the payment in XXXX, I have been harassed, spoken to unprofessional to. Once again I have not missed a payment, when I requested my payment history, the repairs one rep. informed me that I must pay due to the repossession, which was incorrect information.

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 12/17/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received collection paper work from Portfolio Recovery Associates for and old XXXX XXXX account. I informed them that I would like to dispute the claim. I received a call from them saying that they had won the dispute. I informed them that I had not received any paper work in regard to that. Shortly after that I received paperwork dated XXXX XXXX 2017 that I am being sued after that I received the dispute paperwork dated XXXX XXXX 2017. They sued me prior to providing validation of the debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: An original complaint was filed in regard to the negligence of Transunion to investigate errors on my credit report on XXXX XXXX, 2016. In a response to those issues in complaint # XXXX, Transunion is choosing to extend time to investigate disputes it has not investigated. Simply because the company has provided no proof it ever investigated. However, upon receiving claims dated XXXX XXXX, 2016, that XXXX accounts are deemed frivilous due to their classification as already investigated is false. See Attached. In any event, these arbitrary action will be met with equal resistance toward compliance. Thank you in advance for your prompt 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 explanation
Consumer complaint received 10/19/2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (PA).
Issue: Settlement process and costs

Complaint: I filed a timely claim form to the National Suntrust Settlement Admin and have verified thru their toll free # that the claim form was received via their website. I have been periodically checking the status thru the automated system and have spoken directly to several different representatives and as of today, the only information being provided is that the deadline to file was XXXX/XXXX/15, checks are to be released XX/XX/2015, and that there is no further information or an exact date for payments to be issued. Are they not bound by any law to distribute payments to eligible borrowers w/i a specified timeframe?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (MO).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: In my name, as a parent, I agreed to a XXXX XXXX XXXX for my son to attend this college in XXXX. It was {$30000.00}. That was not the issue. The issue is XXXX of XXXX, XXXX now owns the loan. As a single mother, my bill came in at {$110000.00} stating the XXXX XXXX XXXX XXXX is XXXX/XXXX/XXXX. Each time it goes into deferment, the interest is being capitalized. This INSANITY has to stop. XXXX says this is my only option as I am not eligible for anything else. I am a single parent and neither I or my son can pay the monthly payments. I was told that I could get no help because it is a " XXXX XXXX '' XXXX. I am not smart and this is XXXX me. Please help, I do n't know what to do!! I am XXXX XXXX XXXX and barely make just above minimum wage. I have no assets either since a recent divorce.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (MI).
Issue: Managing the loan or lease

Complaint: I had a vehicle that was stolen in XXXX XXXX. I made my monthly payment to Ally Financial early for that month and called to request that the payment be returned because the vehicle was stolen. They returned the payment and awaited payoff from my insurance company. 
I called ( Total Loss department ) weekly to make sure they needed nothing else from me and when I called in XXXX they stated they had everything and had received a check from my insurance company and communication from the GAP company. I was told I was all set. 
Fast forward to XXXX XXXX, XXXX I missed a call from an unknown number and called it back the following day after a second call. It was the collection department at Ally. They stated I owed approximately {$5400.00}, after being transferred, it finally became {$670.00} after being researched. 
XXXX different representatives ( because XXXX disconnected the call ) in escalations ( XXXX and XXXX ) advised XXXX different reasons as to why it was XXXX and I am just being notified of a balance. XXXX stated that it had to do with an incorrect payoff amount being given to XXXX XXXX. The time it has taken to notify me of a balance that I do not believe I owe is ridiculous.

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 monetary relief
Consumer complaint received 09/18/2017 about Debt collection (Other debt) with Account Control Technology, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was already collected from another 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 non-monetary relief
Consumer complaint received 10/16/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: When trying to make a payment online via website of Freedom Mortgage there is an " error on payment. '' Valid payment information was entered and was entered before the due date. I believe Freedom Mortgage does this intentionally to take advantage of consumers and extract additional late fees from them.

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 07/22/2017 about Debt collection (Credit card debt) with Dynamic Recovery Solutions, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Received a call about a debt from 2007. The company threatened to place negative information on my credit reports unless I pay them. This debt was settled with the creditor ( XXXX XXXX ) years ago. Under Tennessee and Texas statutes of limitations on debt collection Dynamic Recovery Solutions does not have the right to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/18/2017 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Billing statement

Complaint: Has been next to impossible to view one 's current billing statement on line. Now, can not get it at all. Even before, had to roam all over walmart.com to get it. This prevents one from being able to ascertain any fraudulent activity at the earliest point. At this juncture, Walmart and Synchrony are about to " cut off their nose to spite their face '', because at least this account, I wo n't use and they can lose opportunity income.

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 05/20/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Billing disputes

Complaint: Citi Bank Credit Card took an " Unauthorized '' payment out of my bank account from past credit information they had on file. On XXXX/XXXX/2015 I made a payment of {$170.00}, and again on XXXX/XXXX/2015 Citi Bank took it again. I contacted Citi and they gave me several " Run-Arounds '' and various numbers to contact. I submitted several fax messaged to their " Payment Investigations Dept. '' @ XXXX with a cost of {$1.00} per fax sheet incurred upon me. I also have {$140.00} in overdrafts with my bank. Citi submitted {$100.00} of the {$140.00}, but there is still an outstanding {$36.00} overdraft they have not covered, and additional {$110.00} in XXXX Deposit ( s ) made into my account that my bank took to cover overdraft ( s ). So I am out {$150.00} total to date. I would like the {$150.00} refunded to me. I do n't wan the unauthorized {$170.00} back now because this has now drug out so long that we are into another month and I might as well just let them have that toward the account. Thank you. XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: delete all XXXX XXXX collections from all XXXX credit bureaus, for the debt was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: TO WHOM IT MAY CONCERN, I HAVE BEEN TRYING TO RESOLVE MANY ISSUES THAT ARE ERRONEOUSLY REPORTED ON MY CREDIT REPORT BY ALL 3 CREDIT REPORTING BUREAUS. I 'VE HAD THE COLLECTION AGENCY WHO DID THE ORIGINAL NEGATIVE REPORTING MAKE CONTACT THE 3 CREDIT REPORTING AGENCIES DIRECTLY, TO HAVE THE ITEMS REMOVED FROM MY ACCOUNT. WE HAVE TRIED DOING IT ON THE PHONE VIA CONFERENCE CALLS, AUD REPORTING WHICH WAS SENT FROM THE COLLECTION COMPANY TO THE 3 CREDIT BUREAS, AND VIA EMAIL. STILL THE 3 CREDIT BUREAUS WILL NOT UPDATE THE INFO. PLEASE HELP!!!!!

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 01/17/2017 about Consumer Loan (Installment loan) with Atlanticus Services Corporation (MA).
Issue: Taking out the loan or lease

Complaint: On XX/XX/XXXX I applied for a loan on the XXXX website for 0 % interest financing for 18 months. I input my information and was approved for a {$5000.00} line of credit. I received my first bill and it states that I am paying 29.99 % financing on my purchase. I called Fortiva Retail Credit and was told that I was n't approved for the 0 % financing but the 29.99 % financing. When I submitted my application, the website never said " your not approved for 0 % financing however we can offer you 29.99 % if you want to continue ''. This is a total bait and switch scam. I would have never gone for the 29.99 % interest rate. I could have used one of my lower interest rate credit cards or not moved forward with the purchase. When I called customer service they told me I signed an online disclosure. I never received it. I went through all of my emails and they only correspondence I have received other than the online application is the monthly statement I received. At the very least, there should be an indication that you have not been approved for the 0 % which is what you are applying for on the XXXX website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed