milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/27/2017 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: XXXX, TRANSUNION, AND XXXX IS IN VIOLATION : 1. UNDER THE FAIR CREDIT REPORTING ACT, 15 U.S.C. 1681 ( G ) I HAVE THE RIGHT TO DEMAND THAT YOU DISCLOSE TO ME ALL OF THE DOCUMENTS THAT YOU HAVE RECORDED AND RETAINED IN YOUR FILE CONCERNING THE ACCOUNTS THAT YOU ARE REPORTING IN MY CREDIT REPORT. 

2. IF YOU DO NOT HAVE ANY DOCUMENTATION IN YOUR FILES TO VERIFY THEACCURACY OF THESE DISPUTED ACCOUNT ( S ) THAN PLEASE DELETE IMMEDIATELY. AS REQUIRED UNDER FCRA 611 ( a ) ( 5 ) ( A ) ( i ). BY PUBLISHING THESE INACCURATE AND UNVERIFIED ITEMS ON MY CREDIT REPORT AND DISTRIBUTING THE TO 3RD PARTIES YOU ARE DAMAGING MY REPUTATION AND CREDIT WORTHINESS.

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 04-08-2016 about Debt collection (Medical) with PMAB,LLC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: someone stole my identity information and used it to create several accounts that i have protested because they are fraudulent I have a police report with the information as well as had to report to the ftc id theft affidavit notarized but this company is reporting this on my credit and trying to collect

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: My credit was repaired, I have a fraud alert and now my score will not appear. It states I have no credit when in 2013 reported a XXXX credit score. unable to get a clear answer from the credit bureau. SS said I can get a new SS #. 
I have also gotten married XXXX/XXXX/2013 new last name XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: I opened a Chase Bank Business Account in XXXX XXXX, CA on XXXX XXXX, 2016. The Business name is XXXX XXXX, XXXX. We funded the account with ~ {$30000.00} and the check cleared. 5 days after the account was opened I received a letter ( attached ) stating the account was being closed IMMEDIATELY because of " suspicious activity '' " or because we have n't received information that we requested from you. '' No information had ever been requested of me. 

I contacted my branch who referred me to a XXXX number. I called and attempted to verify what the problem was, but I was told by an employee that they could not tell me why the account was closed. I quoted them the letter, and they told me that, these were not the reasons but they could not divulge further information to me. There has been no suspicion of fraudulent activity on the account. The employee refused to provide her name or employee number. Finally, when I told the employee that I wanted to retrieve my {$30000.00}, I was told that they money was on hold and that I could not retrieve it presently.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Debt collection (Other debt) with Credence Resource Management, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On Friday XXXX XXXX, 2017, I received a debt collection letter in the mail stating that I owe {$1700.00} from Credence. I have never signed a contract with XXXX for telephone service. This debt does not belong to me nor is it valid.

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 11/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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 am requesting the removal of a bankruptcy on my Transunion credit report due to Civil Case No.XXXX. I did not know the source of your information of this bankruptcy and due to this, Transunion has violated the Fair Credit Reporting Act ( FCRA ). Please remove this bankruptcy as it is adversely affecting my credit. Previously, I requested such removal and I have also attached to this complaint a dispute letter from the company XXXX confirming the results of their Reinvestigation. For your review, I have attached a copy of the results to this complaint.The U.S. Bankruptcy Court also confirmed that they do not report any information to the credit bureaus  including my social security number which is needed to correctly verify any accounts on my credit report. Since this is a request and not a dispute, I would like to receive confirmation that the bankruptcy listed on my credit report has been removed within 15 days of the receipt of this complaint. Your attention to this matter is greatly appreciated

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 03/25/2015 about Debt collection (I do not know) with SANTANDER CONSUMER USA HOLDINGS INC. (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Please let me know what company this is. I have no idea what company this is.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Problem with fraud alerts or security freezes

Complaint: You have a link to TransUnion 's 'credit freeze ' page. They recently changed it to push people into their credit monitoring service and it 's now incredibily difficult to find the credit freeze link.

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 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Victim of the Equifax Data Breach of 2017, upset with the nature of Credit Reporting Agencies and the lackluster steps taken to provide security for the very sensitive information contained by these Agencies for hundreds of millions of Americans. This is not simply a data breach, it has the potential to impact the future of Americans young and old. These companies are truly playing with the livelihood of millions of people including myself. Actions should, and hopefully will, be taken against not only Equifax, but also XXXX and XXXX, in the wake of this breach. With that being said I also hope to see the hackers who skimmed the information of myself and other Americans brought to justice and prosecuted for their thievery. The world would be a better place for all if we could stop these crimes before they ever had a chance to be committed, but until that day comes, companies that keep sensitive information that has the power to ruin a person 's life should take the necessary actions to protect that information at whatever cost. Otherwise, I would implore people to never again trust these agencies with our business or our information.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Debt collection (Medical) with The TRAF Group (NJ).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I CONTACTED A-1 COLLECTIONS IN XXXX NJ AFTER DISCOVERING A DEBT I OWED THROUGH MY CREDIT REPORT. THE REPRESENTATIVE I SPOKE TO ( XXXX XXXX ) IMMEDIATELY SHOWED AGGRESSIVE BEHAVIOR OVER THE PHONE. I FREELY SUBMITTED ALL THE INFO THAT I HAD BUT HE CONTINUED TO ACT IN THIS MANNER AND FINALLY ACCUSED ME OF NOT COOPERATING TO HANDEL THE MATTER AND PROCEEDED TO HANG UP ON ME. LET ME NOTE THAT I CALLED THEM NOT THE OTHER WAY AROUND. I FIND IT FRUSTRATING THAT I WAS BEING ACCUSED AND TREATED POORLY WHEN I WAS THE ONE TRYING TO CLEAR THE MATTER UP. THIS INDIVIDUAL SHOWED BULLING TACTICS TO EXERCISE HIS POSITION. AND SHOULD NOT BE IN A POSITION THAT DEALS WITH THESE VERY IMPORTANT MATTERS WITH THE PUBLIC. I GAVE HIM MY PERSONAL INFO AND FEAR HE MAY TAKE MEASURES TO MAKE MY LIFE AND FINANCIAL POSITION DIFFICULT IN THE FUTURE.

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 05-04-2015 about Debt collection (Mortgage) with Ditech Financial LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I submitted a settlement check that was the result of a judgment from an insurance company. The check was required to have the name of the current mortgagee and myself. I informed Green Tree the background history prior to submitting the check. The initial person I spoke to gave me what they thought the requirements would be for disbursement. Unfortunately, once they got the check all of that changed even the department handling the situation changed. They kept stating it was a claim for damages even after receiving copies of the court papers, affidavit from the original contractor, and a statement from the insurance company. Green Tree just refuses to give me my money. According to the reviews and statements from former homeowners this is their practice. They hold all the checks in escrow and profit off the interest. They have been in possession of the check since XXXX 2014. They are now proceeding to foreclose on my home, because of delinquent payments and still refuse to give me my money. I offered to pay for an licensed inspector to prove that the work had been done years ago, before they took over the mortgage. They said it would not make a difference. I sent a notarized statement offering to bring mortgage current and take the difference. No response from Green Tree. They are withholding a {$26000.00} judgment settlement check that would help me get my financial stability. Please help end this XXXX, and save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Student loan (Federal student loan servicing) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Around 2006, I consolidated about {$3200.00} of student loans while attending college and working. University XXXX, which one of my student loans were through, added another student 's loan to my consolidated loan. 
I contacted the bank and Dept. of Education Ombudsman, after the total of my student loan account reached {$17000.00} of her past due student loans. They were added to my social security number along with her last name. I refused to pay anything until an audit was done on my account. I am still waiting. I want to return to college and pay off my student loans. 
The Dept. of Education did remove part of her loan amount. My wages were garnished along with past income tax refunds which never reflected on my account or who knows. I have requested for an audit and crickets. Please help me with this. I have proof of this incident happened, so please call me so that I can fax the sheet of paper to you.

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 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several credit inquiries I did not authorize and they were illegally made in my name and asking that they be removed I have sinced added a fraud alert on my credit report as I thought I had one placed on my credit report.I do n't understand how this many inquiries does n't causes a red flag with the credit bureau.I live in a 3 bedroom apt with 8 people so I need verification that " I '' made these inquiries because having my address does n't prove that. Did " I '' authorize these inquiries????
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX/ XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX/ XXXX XXXX XX/XX/XXXXXX/XX/XXXX/XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (AL).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I received two overdraft fees on transactions that did not overdraft my account. I show on my account that these transactions did not overdraft my account. In their ridiculous ploy to steal money it even shows on my account history that other transactions posted after the two in question that were not assessed an overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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 've been going back and forth with Equifax for the last few weeks about disputing and deleting items off my credit report that does not belong to me. And they have done absolutely nothing to help me the accounts that 's on my credit report with them are not mine it 's two of them on there and I have over nine or 10 inquiries that do not belong to me and they will not delete them off and I 've been going back and forth with them for weeks all they keep doing this updating the information which is making it stay on my credit report longer I do n't understand how my credit keep getting run if I have the credit Identity On It so that anytime I credit is wrong you have to verbally speak to me to be able to approve me for credit I do n't understand how somebody is still able to run my credit and give me all these inquiries. 
Accounts that are not Mine XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX its on the report 3 times.Inquires that are not mine XXXX XXXX XX/XX/XXXX,  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX .Please help me with these accounts an inquires i did not give my permission on these. Nor did i authorized it.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX XXXX, 2016 Equifax XXXX. XXXX XXXX XXXX, GA XXXX To whom it may concern : In accordance with Federal Civil Rights Law, demonstrate that the following material appears correctly on my credit reports. Request ample documentation, ( including but not limited to : date account opened, date closed, full accounting of account, address where bills were mailed to ) from this alleged creditor. If these items appear in error, I have a cause for action because my rights may have been abrogated and violated in that case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Acct # XXXX & Acct # XXXX ) Your quick response and prompt handling of this matter is expected. 

Sincerely, XXXX XXXX XXXX ***********

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CNP Solutions (GA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Filed a complaint yesterday against XXXX XXXX. XXXX XXXX XXXX ( XXXX ) called us and again threatened legal action. And refused to validate the debt. XXXX sent a letter to XXXX yesterday requesting all communications be in writing and that the debt be validated. Today the debt is {$340.00}, not {$790.00}.

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 02-03-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Unsure of validity of this debt and need to understand exactly what this debt involves. I am not sure if this is even a debt that I should be responsible to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-03-2017 about Checking or savings account (Savings account) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: i have been with citizens bank for 16 years. i have a savings account that had a minimum amount required of {$200.00} ( which i did not know ). I went below the {$200.00} and was unaware that they were taking a service fee of {$4.00}. They claim that i was notified because they update their online banking with the statement. I was unaware of the statement and just realized that they have taken the fee five times. I contacted them, told them i was unaware of the low threshold for the bank account and notified them that i did n't realize that they update the online account with the statement. I requested a refund for the service charges and they would only partially refund the fees. I feel uninformed and ripped off by this bank. I spoke to a supervisor over the phone, XXXX XXXX, and he would n't budge. He stated that i should 've known these fees and statements were on the online account. I have a checking account with them and would 've had no problem putting the required amount in the account if i had only known. 

I do not get paper statements because they charge a fee. This is the only bank that i deal with that charges fees for paper statements. I am still owed {$15.00} which is n't a lot, although, this is a principle issue. I was an uninformed consumer and i had no idea that they were charging me fees. They should not be able to get away with doing that to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I purchased items online ( few dresses ) - and received wrong items instead. The entire purchase was returned back to the seller. Copies of all my purchases and return was sent to credit card with actual images. Proof of the receipt that the items were delivered to to the seller and yet my credit card charged me full amount. This problem is going on from XXXX of 2017. Few times they asked me to send them proof - which i did and now I receive a bill with PROVISIONAL CREDIT REVERSAL. I emailed the seller few times - never got reply back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/21/2017 about Debt collection (Payday loan debt) with CHECK INTO CASH INC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I have been getting phone calls from ( XXXX ) XXXX for the last past month. Every day 4 to 5 times a day. This company said that I owe a payday loan that went into collections. I ask for proof in writing and they avoid the question. I spoke to a woman she want give me her name. She said the Local Police Department has been notified and they will be at my door to arrest me if I do n't pay. In XXXX 2010 I did get a Check into cash loan, but I paid it off. Now they are calling my place of employment harassing them about this loan. I called and ask them to stop calling. This man answered the phone saying that he was the manager. He would n't give me his name. He stated he will continue to call my cell number and my place of employment until I pay {$850.00}.

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

Complaint: XXXX mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how XXXX has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

I am trying to up my credit score so I can buy a home. This failure to protect my information may destroy my ability to make my life and the life of my daughter better. I am, frankly, terrified.

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 12-12-2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I had an account with XXXX XXXX XXXX that was paid in full. I had in the past trouble with people using my information without my knowledge. I have contacted XXXX XXXX XXXX and had my account closed a few time. I recently received a notice in the mail from a debt collected stating that I owe money to XXXX XXXX. I told the debt collector that this is a fraud account in my name. I also stated with them that I had in the past a account with XXXX XXXX that was paid in full and closed. The collection agency stated that they will contact XXXX XXXX to have this removed.

Company response to consumer: Closed with explanation