milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I checked my credit report on creditkarma. Both XXXX and Equifax showed a " legal item '' on my public record. I contacted them both. Only XXXX corrected it, Equifax did not. Somehow my fathers " legal item '' reference # XXXX found it 's way onto his son 's ( my ) credit report. I can see how it happened as I am the XXXX ( XXXX ) and he is the XXXX ( XXXX ) so we share the same name just different XXXX. also I currently live with my parents so I share the same address. but I 've never had student loans, home loans, or new car loans. also all my credit cards combined have never added up to that amount. I 'm not saying this is a false legal item, I just want someone to see that it 's on the incorrect persons record. please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2017 about Bank account or service (Checking account) with BB&T CORPORATION (GA).
Issue: Account opening, closing, or management

Complaint: I use BB & T for a supplemental checking account. The auto deposits from multiple companies I wrote insurance products for caused me keep the account open. I have about XXXX transactions on the account per month. An annual review and reconciliation of the account works for me. When I infrequently looked at my statements I would note XXXX charges for {$7.00} per month. These charges are for interfacing with XXXX software. However I do not need or use XXXX to keep up with the minimal accounting requirements of this account. Everytime I noted the charges I would go to a branch to complain and they would refund only a few months worth of charges. In XX/XX/2016, I spent an hour with BB & T on the phone, flagging my account to never get charged for XXXX again. I never authorized these charges and have never downloaded anything from the bank to XXXX. I have paid hundreds of dollars in XXXX fees for nothing in return. In XX/XX/XXXX I discovered that I had been charged monthly since XX/XX/2016 when the account was changed by BB & T. I complained on-line and BB & T sent me a letter telling me I had logged into their system and gave two times where they said I had logged in. One time was when I was in church and the other was when I was at work. XXXX and BB & T were not, could not, have been accessed by me at these times. Nevertheless, the bank used these false log-in times as justification for not refunding the fees. I am in the process of fighting the denial. The BB & T employee who wrote me did not supply a direct dial or email and I have invested time telling my story and having more investigation only to be told the letter writing employee was the only one who could help me. I have to call again on the next business day as the employee is out of the office.

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 01-05-2017 about Debt collection (Medical) with California Business Bureau, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX XXXX, I was brought to the XXXX XXXX XXXX due to XXXX. I was still XXXX when I got there. As soon as my XXXX, I told the staff that I did not want to be treated or examined and walked out, since I was n't sure whether XXXX was going to cover the hospital bill. ( I had just received my XXXX acceptance letter shortly before this incident. ) A few weeks later, I received XXXX invoices : one from the ambulance service, one from the hospital. I called both companies and gave them my XXXX number so they could charge XXXX ( since I now knew that XXXX covers emergencies ). The ambulance service was apparently able to charge the bill to XXXX without any issues. However, about 4 months later, in XXXX XXXX as well as in XXXX XXXX I was surprised to be sent XXXX letters from the XXXX XXXX XXXX asking again for the XXXX USD they claimed I owed ( even though I had refused treatment ). I received those letters in XXXX since I had been out of the country in XXXX. I called the hospital up immediately and asked what the problem was. It seemed as though they had had the wrong XXXX number. I gave them my XXXX number again. This time, I asked the person on the phone to read it back to me, so we could make sure that it was definitely the correct number. When she read it back, it was correct. Since then I did not hear from the hospital again at all. On XXXX XXXX ( XXXX/XXXX/XXXX ) I received a letter from a debt collector asking for the " outstanding '' debt to the XXXX XXXX XXXX. The debt collector said that the documentation they had gotten from the hospital did not show that any XXXX number had been given - even though I had given it to the hospital twice ( albeit once apparently incorrectly ). I was shocked. The worst part about this is, of course, that XXXX generally only pays bills that lie, I believe, at the most about one year back. 
The XXXX XXXX XXXX # 1 apparently failed to attempt to collect the payment from XXXX and # 2 failed to inform me about this in due time so that I could have gotten in touch with XXXX myself. Now, that the timeframe during which they could have claimed the amount from my insurance has passed, they try to make me responsible for their failure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Debt collection (Non-federal student loan) with NELNET, INC. (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Derogatory impact on my credit score. Harassing by telephone to myself, friends, and family impersonating law enforcement. They placed a charge off on my credit in the amount of over {$19000.00}. I do not owe this amount and have never been issued or granted this amount of money. XXXX needs to remove this false information from my credit history immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Debt collection (I do not know) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The collection company keeps calling my office number. Looking for a person we do not know here and had never work for us either. I keep asking to take the number off their list and nothing happens.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/17/2015 about Credit card () with Colony Brands, Inc. (ID).
Issue: Transaction issue

Complaint: I received a " thank you for your order '' e-mail from Swiss Colony company, although I never submitted an order. The customer service person said that the order was on it 's way and there was nothing they could do. They said I could n't return the package, assuming it arrives at my address, since it is perishable food. They said I could not get a refund to my pre-approved credit account. They said that they were not authorized to close my credit line with XXXX, so this person can and probably will order again, using my name and account number and line of Swiss Colony credit, which is over {$2000.00}, although their first 'bogus ' order is {$130.00}, and XXXX. said I am responsible for the bill. I ca n't believe this! It is an outrage. I am the victim here, but cust. service told me I must get a paid, notarized letter explaining/proving that I did not actually place this order. The phone number on this order is not mine, however, they would not give me the phone number of the person so I can figure out who placed this order, citing " privacy '' concerns, of all things. Can you help? XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have already made a complaint with this company on XX/XX/2018 and they said they needed more proof of my identity which is bull since they had my name. They need to remove these hard inquiries off my credit reports because I never had a contract or gave authorization to my 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 09/14/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I got my credit report because I was thinking of purchasing a home for my mom, and when I got it I notice inaccurate accounts, I immediately filed a dispute with the XXXX major bureaus, Experian XXXX and XXXX XXXX. I listed the accounts I had a problem with. 
1XXXX- I explained that the account number they had on file was not my account number and my account was paid off through an insurance claim where the vehicle was totaled, I gave them my account number and the claim number of the settlement, the only agency that removed it was Experian, the other XXXX have refused and has allowed the data furnisher to update it so it remains on my report till XXXX, this is an account that is almost 10 years old. 2.A collection agency by the name of XXXX same people I was in a car accident in XX/XX/XXXX, I sued the trucking company who hit us, I gave the hospitals name and their bill to my lawyer two weeks after accident, mailed in the bill with the insurance from the trucking company they still turned it over to a collection agency who then placed it on my credit all ( XXXX ) on XX/XX/XXXX XXXX months after the accident I kept sending in the paperwork from my attorney and contacting them that an agreement was reached with the hospital and my attorney to pay upon settlement, no one listen it 's still there and when it was paid by my attorney in XXXX they updated it as paid but it was never suppose to be a collection, when an agreement was met between the parties to pay when the case was finalized. There are several other items that are being reported wrong on my credit report but I 'm tired and beat up from a constant battle for the last few months, against data furnishers that do n't report accurate information and the credit bureaus act like we consumers are always wrong and never look further into the issues, but allow this to go on. It seems as though consumers get the short end of the stick because we don'y pay for the service like the the creditors do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I disputed a collection account that is still showing as an " open account '' ithis s account was discharged in my bankruptcy XX/XX/2015. I called the collection co. in question after viewing my trans union credit report. i was told by the collection co. rep " XXXX XXXX '' that the account is being reported correctly. spoke to attorney XXXX XXXX and was told they have to update and report the account correct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, The incident happens, when I make a Payment to HSBC Mortgage services the Monthly payment of $ {$2000.00}. And during the payment I made by internet 1 ) of XXXX, 2 ) XXXX, 3 ) XXXX before the mature date of which is on the XXXX of the month thereafter when I try to make a payment of XXXX into make other payment in the system appears in their computer is on maintenances but during the payments they set XXXX charge of XXXX dollars of which I consider no justifications because is not my problem they having error in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: on   XXXX   XXXX   XXXX   SW credit system deleted the account i had disputed and on    XXXX   XXXX   XXXX   the same account was reinsert ed on my credit report without me being notified by mail and that is against the FCRA  611 ( a ) ( 5 ) ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX my husband and I filed for Chapter XXXX Bankruptcy. We had a 5 year plan and paid our trustee on time, never late for 5 years. We were discharged XX/XX/XXXX While in the bankruptcy we filed for a loan modification with our lender XXXX. After several months we were approved for a lower payment XXXX XXXX to XXXX ) and our account was brought current. We had to get this modification approved by our trustee..which we did. XX/XX/XXXX our loan was transferred to Caliber Home loans, who recognized and accepted our new payment amount of XXXX. However, they failed to bring the account current, without our knowledge. Prior to our case being discharged, Caliber was sent a letter to notify the courts and trustee if there were any errors as we were due to be discharged. They did not respond. Our bankruptcy was discharged free and clear of any past due amounts. XX/XX/XXXX, Caliber contacted us and said we were XXXX behind and threatened to foreclose. They made us do a repayment plan to get caught us and NEVER HONORED OR RECOGNIZED THE modification to bring the account current, although we provided documentation. We have been struggling for11 months making double and triple payments on money that was not even due or owed. We want to keep our home and feel that Caliber did not honor what was approved by the courts and they failed to comply with the rules that a debtor needs to be notified prior to discharge of any discrepancy. We have suffered an enormous amount of stress and agony just to ensure we are back on track not to mention the house is over XXXX over the amount it is worth. In addition, Caliber has reported late payments the entire time we have been with them even in the bankruptcy which I thought was against the law

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/26/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: credit agencies reporting outdated public records and not my accounts same information 3 times on file, remove all tax liens from file REF # XXXX, REF # XXXX, REF # 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 06-11-2016 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (NC).
Issue: Fraud or scam

Complaint: I was asked If I was interested in making money weekly. I was told I can change my XXXX into XXXX. He informed me that I could send the money to ANYBODY I wanted to and he was going to add a XXXX to the end and that and send it back to me. All I had to do was send him half. 
Ex. I send {$150.00}, he goes in the system and add a zero ( {$1500.00} ) and I was supposed to send him {$750.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed a dispute regarding some late payments being reported on my credit report by XXXX, pursuant to FCRA 623a2b regarding furnisher must provide updated information as it becomes available. I provided the updated information along with a written dispute requesting that my credit report be updated to show that my accounts were placed on a forebearance to cover the date if thd delinquencies and the CRA still failed to properly investigate or retify my report.

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 12/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I am a victim of the TransUnion Inquiry Issue and when I called the TransUnion ( XXXX ) the customer service representative would not help and take care of the negative inquiries reporting on my credit report.

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 11/29/2017 about Debt collection (Other debt) with U.S. BANCORP (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I lost my job in XX/XX/XXXX, no income until XX/XX/XXXX. Tried to negotiate with lender for a hardship. We have 5products from US Bank. I 've been tossed around the cust reps and when trying to return calls, was having 20 to 25 minute wait times. We get 10 calls a day. I gave up trying to get the help they told us.

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 08/15/2017 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: Transunion failed to remove my two tax liens ; Docket # XXXX and Docket # XXXX. Neither one of these liens adheres to the National Consumer Assistance Plan ( NCAP ) which requires that liens and judgments can only remain on the consumers credit file if it displays the full name, address, SSN or date of birth. The above mentioned liens display a partially redacted SSN and no date of birth. Given this, there is only one solution : Permanent deletion from my credit file/report. The following is from Transunions website : Following the Metro 2 format, Furnishers must report : Full name ( First Name, Middle Name or Middle Initial ( if available ), Last Name and Generation Code/ Suffix ) Address Full Social Security Number Date of Birth ( mmddyyyy ) 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 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I am still disputing this debt that you stated is VERIED but did not confirm that it is VALIDATED, I contacted the original creditor who was unable to validate this credit account was mine. I am responding in a timely matter to your attempt to validate this debt because I still consider this debt as '' still in dispute ''. I would like documentation to clear up my reasons for disputing this debt ( agreement that bears signature of the alleged debt, complete payment history on the account to prove the debt being collected is correct, etc ). In addition, you must also be aware that until you validate this debt, you can not continue to report this information on my credit report as that is non- compliance with FTC . Accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting twice XXXX XXXX acc. XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
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: Decided to dispute accounts on credit report, but I couldn't get accounts on my credit report from the reporting agency showing that these are my accounts. Ask them to investigate these accounts, but only receive they are validate and belong to you. Ask them to show me proof they belong to me and couldn't get proper proof or a response. Sent out certified letters asking for proof and recieve a we not reinvestigation this matter.

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 04-07-2017 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: PennyMac continues to delay payment of my contract 's invoices. Payment of this invoices is necessary for my contract 's to order supplies and complete the necessary repairs to my home after XXXX XXXX. Over {$100000.00} of damages need repaired before my family can move back into our home. Meanwhile, PennyMac continues to hold over {$100000.00} in their escrow account while it draws interest for them. I have received nothing but difficulty and obstruction fromPennyMac at every turn. 
The did send one check for one contractor ... .it was for the wrong contractor AND it was for the wrong amount. I had to overnight the check back to them which had to be " processed for 2-3 days '', then they had to wait for their own check to " clear '' before they could re-issue a new check. But then they said they did n't have all the documents they needed from the right contractor to process the new check ... despite the fact that I have fax confirmation showing the documents they requested had been sent a minimum of 2 times each.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Debt collection (Credit card) with American Coradius International LLC (MA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Company is trying to collect on a debt that had not been validated by XXXX previous companies. company stated that " You are in a wage garnish-able state. '' That in itself is an FDCPA violation. They continue to " Robo-Call '' following notification of cease and desist. they have violated numerous laws within the State and Federal levels, and potentially subject to civil liabilities under FACTA.

Company response to consumer: Closed with explanation