milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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 have filed numerous disputes with the credit reporting company and accounts that were opened in my name, are still listed each time I call and speak to a representative I am informed that the process will take an additional 30 days and there is never a resolution in having the items removed. I also spoke with the representative regarding incorrect personal information, including social security number and addresses and inquiries that were not authorized by myself and was informed these would be deleted yet my most recent report still shows the information listed. I have attached copies of my FTC identity theft report along with responses from XXXX XXXX, XXXX, and XXXX XXXX XXXX indicating that they have agreed to delete all the accounts. 
This is a direct violation of my consumer rights under : section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that 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 non-monetary relief
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My company was a corporation at the time of this incident, but I closed my business after my XXXX. XXXX was the original Creditor of this account which was the advertisor for my business. XXXX XXXX XXXX is handling it now. At the time I was a corporation, so I 'm protected from this. I called XXXX and the just tried to collect from me while calling me a liar about being a corporation. XXXX and XXXX investigated and removed the information back in XXXX, but TransUnion does n't seem to be investing properly or something.

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 09/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ability Recovery Services, LLC (MN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Statement from " Ability Recovery Services LLC '' Reference # : XXXX University Total : $ XXXX States they must commence the collection process because I have failed to respond to previous correspondence on the above identified account. 

*There is no way I owe XXXX to XXXX, but wow ... if they would like to offer that amount to me that would be great.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I was going over all 3 of my credit reports and I noticed that there was a few errors and inaccurate accounts listed on my report. Under the XXXX XXXX XXXX XXXX Transactions act I should have been notified of the changes to my report and giving a proper update.I seen accounts I have never seen or done business with these company. I would like a full investigation into these matters : XXXX. XXXX XXXX BANK # XXXX This account is beyond the status of limits please delete.This account was re-aged it has been closed since XXXX! 
XXXX XXXX XXXX XXXX This account is under a class action lawsuit for Fraud it is a error please delete. The company no longer is in business and this account is inaccurate. 
XXXX. XXXX XXXX STUDENT # XXXX This account was already paid in full never late listed as collection paid in full. Error please delete. 
XXXX. XXXX XXXX XXXX # XXXX Act Violation. This account was paid toward the original creditor Dr. Office. There is no need for XXXX XXXX to have access to my personal FEDERALLY PROTECTED PRIVATE MEDICAL RECORDS. I NEVER GIVE THEM PERMISSION TO ACCESS IT. 
XXXX XXXX # XXXX I have never done business with this company I do not recognize this company. please delete.

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 11/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OK).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Payment made XXXX 2015 was not credited to my account. Upon providing documentation of the payment clearing my bank account, Navient disclosed that they issued a check refund to another individual with the same name but a different mailing address ( the address has never been my address ; no relationship to the person they issued payment to ). Navient refused to either correctly credit my account or issue me a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Someone opened XXXX XXXX XXXX Uverse accounts using my personal information. The locations were not even in the state where I live.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit card () with PNC Bank N.A. (PA).
Issue: Transaction issue

Complaint: I applied for a pnc credit online and was approved with a credit limit of {$1000.00} and cash advance limit if {$100.00}. One of the selling points that made me apply for the card is that it provided overdraft protection to my existing pnc personal accounts. A few days later I used PNCs VirtualWallet ( online/mobile banking ) to transfer {$3000.00} from my personal checking to my personal savings so I thought. What I actually did was transfer the funds from my savings into my credit card that I was just approved for but had yet to receive in the mail therefore the card was not activated. The {$3000.00} transfer was processed as a credit card over payment- when I never activated the card. I noticed the mistake and contacted PNC the next day to have it corrected. I was told that it takes up to 10 days to refund me my " over payment '' from an account I never activated so it should never t have even accepted the payment. This is now day 5 and I 've been assessed XXXX {$36.00} NSF FEES to date because all of my liquid funds were put onto the credit card account that was n't even activated. Again, this credit card was supposed to protect my personal accounts from overdraft but is not because it 's not activated. At this point I do n't even want the card or to continue banking with PNC but in order for me not to receive these fees that they should not be assessing me because the credit card should not have accepted the accidental over payment they are going to force me to activate the credit card that is the cause. This is preditory. Even if I were to activate this card it will only allow me a {$100.00} cash advance which does n't even cover the fees. Mean while there 's {$3000.00} of my money on this card as a over payment that I can not access. It took 3 seconds for Pnc to allow a payment ( that technically should not be allowed on a account that 's not activated ) and 10 days to return it?. My bills are not being paid including and I am in a state of crises because all of my accounts are overdrawn but PNC HAS {$3000.00} of my money and wo n't even utilize the overdraft protection that I signed up for when I applied for the credit card.

Company response to consumer: Closed
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have always had an excellent relationship with XXXX and since XXXX contacted me about my XXXX Loans in XX/XX/XXXX my health has deteriorated and I landed in the hospital and placed on short-term XXXX due to their stressful approach and threats to myself and cosigners. I am on a XXXX  payment plan, and my payment date was scheduled after the credit reporting date of the company, and my student loans were reported as sixty days late in XX/XX/XXXX. Prior to this I called several times and spoke with customer service agents on a recorded line, who assured me on dates and my scheduled payments to remain current. I specifically asked " what date you recommend according to XXXX 's reporting date, that I should pay ''. I have always been in contact with them in regards to remaining current. I further contacted management to investigate and confirm it and they said they don't know why my payments were scheduled after their credit reporting date, and there is nothing they can do. Now my credit report shows that I was 60 days late impacting my ability to receive credit, having lower interest payments and my standard of living has diminished. This information has been reported to my Transunion report. Is it the goal of XXXX to scare, threaten or place students into a destitute situation? I have always strived to be a good citizen and pay my debts.

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 02-03-2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: i received a letter today with a payment voucher from cavalry portfolio services threatening a possible law suit for an account they purchased that has exceeded the statue of limitations here in pennsylvania, not only have they done this, they have openly made harassing phone calls to my parents and employer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/26/2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I filed a dispute with Experian for incorrect information in my Credit Report, Report Number : XXXX, they said it was still open. Please refer to CFPB case number : XXXX. Today they closed the dispute without correcting/removing the incorrect information and still saying the account is mine. Everything remained the same. They have failed to provide proof of ownership for this account. 

I have contacted XXXX via the number they provided ( XXXX ) and they have no record of my alleged account. This account does n't belong to me, and I do n't recognize this debt or owe any money to this creditor. If valid it would have been paid. Both, XXXX and XXXX have concluded their investigation and removed the account from my credit report. They have verified the account is not mine and Fair Credit Reporting Act, states you are required by law to remove any negative item that has been closed after 7 years. Moreover, this debt appears to be past the Statute of Limitations so it meets all the criteria to be removed. Just because someone opened an account with my personal information, and the creditor reported this, I am liable for the account??!?! How is it possible, XXXX credit reporting agencies have investigated and concluded the account in question is not mine, and updated the information accordingly, you still say the opposite? 

Experian needs to correct / remove the following information from my credit report :1. Address : XXXX XXXX XXXX ( This Address is not mine ) 2. Fraud Alert : An Alert was placed on my file without me requesting it. Please Remove it ASAP. 
3. Credit Account ( XXXX ) : Experian need to provide proof I opened the account in question, the purchases that were made and signed documents. I have already filed a complaint with XXXX on XXXX/XXXX/2015 against Experian. Complaint ID : XXXX. 

If you still insist in keeping the account there, and not correcting / remove the incorrect data, I will escalate this to the FTC, my state attorney general, and will sue Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/24/2018 about Debt collection (Credit card debt) with Pressler & Pressler, LLP (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XX/XX/XXXX received a notice of income execution. on XX/XX/XXXX received notice off 10 % being taken from my paycheck for a bill off {$5300.00}. I have called and tried to talk to attorney/creditor about this. I don't know or have never heard of the company they are claiming i owe this money to. They ( Pressler and Pressler ) claim to have talked to me in XX/XX/XXXX about this bill, the last time they were able to contact me so they say. since XX/XX/XXXX i have been trying to clean up and fix my credit. If i had any idea of this or thought it was something i owed i would been asking for a settlement amount. since it does not show up on my credit report and have received nothing by mail until XX/XX/XXXX giving me only until XX/XX/XXXX to pay or dispute {$5300.00}. I feel this is not my bill since i have record of this or have never heard of the card they say i'm owing. This is called XXXX XXXX XXXX. i called the sheriff 's department which has told me they never had correct information or address for me this is why i never heard about it until now. i was also told they the sheriff 's can not stop or do anything at this point only Pressler and Pressler can stop it and investigate it. i'm very upset that if i owe this money i was not given a chance to settle this. but my records show nothing of this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Mortgage (VA mortgage) with CENDERA FUNDING, INC. (TX).
Issue: Settlement process and costs

Complaint: We have had several issues with Cendera Funding throughout our mortgage process. The fees associated with the loan are in dispute because according to a VA loan certain fees are unallowable if the lender charges 1 % origination fee but the loan officer tried to add them in saying that the seller has to pay them. We have not received any copies of our signed paperwork 25 days after signing them ( fee sheet, GFE, TIL, etc ... ). I even went to their corporate office and spoke to XXXX XXXX, my wife talked to XXXX XXXX at this same time ( Senior VP ), and this only escalated the rudeness and hostility from the loan officer. When asking questions and highlighting things that are questionable fees ( I only received a fee sheet after going to the corporate office ) I do not expect the company to make the situation more hostile. The executive my wife talked to said the fees were only estimates and I would find out the true costs in the HUD-1. This is deceptive because at the time you see the HUD-1 you have no time left to rebut them without delaying the buying a process. In addition they have failed to update the VA with information during the appraisal process which is now pushing the loans past the closing date ( we can not get the lender to give us any information about it and the VA has n't gotten a response from the lender in over a week since their last request ). The loan officer failed to lock in the rate for the loan and it increased over that 2 week period. Since we complained about the fees we have only been brushed off by the company and talking to them only makes the situation worse. I assume they are trying to tank the loan process so they can still receive the application fees while not having to fulfill the loan after the complaints. If we lose the house because of delays we will lose about {$3000.00} in fees. Every day past XXXX XXXX is costing us to store household goods and temporary living expenses until we can find a permanent residence.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is incorrect personal information on my Experian credit report that needs to be deleted. 

Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/15/2015 about Debt collection (I do not know) with BALANCED HEALTHCARE RECEIVABLES, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: my work phone ( XXXX ) XXXX has been called for more than XXXX times over the past 2 months ( average XXXX a day ) from XXXX, LOOKING FOR THE WRONG PERSON. I 've contacted them 3 times and they keep telling me my number is not on their calling list. But I keep receiving these automated calls as recent as this morning.

Company response to consumer: Closed
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I paid my XXXX XXXX XXXX XXXX XXXX card off on XXXX XXXX, 2017 and enclosed a letter stating to close the account. They cashed my check but did not report to XXXX and Equifax that the account was paid and closed. I filed a complaint with XXXX and Equifax. XXXX still shows that I have a balance, which is incorrect. I called XXXX and they said that XXXX did not report to them that the account was paid and closed. I called XXXX and they said they did report it. I WANT THIS ACCOUNT SHOWN AS PAID AND CLOSED ON MY CREDIT REPORTS. I HAVE BEEN WORKING ON THIS FOR TWO MONTHS AND NOTHING IS RESOLVED. I ALSO WANT THE {$7.00} THAT THEY OWE ME AND A PORTION OF THE YEARLY FEE OF {$89.00} THAT I PAID. THE ACCOUNT WAS OPEN LESS THAN 6 MONTHS, WHICH IS PROBABLY WHY THEY ARE NOT ACTING ON MY COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been stonewalled twice for a loan modification. I got injured and was out for 6 months. I tried a loan mod with Wells Fargo and got denied the XXXX time due to non participation from the investor. The investor did not participate in any loan mods. The XXXX time I tried, property values went up, and was turned down as my net present value ratio went up. I have equity in my property ... no good. I tried filing chapter XXXX and case was dismissed and I am barred for filing bk for 180 days. I have a sale date coming up XXXX/XXXX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (GA).
Issue: Managing the loan or lease

Complaint: Car reported stolen XXXX/XXXX/XXXX. Case # XXXX XXXX XXXX Police Department Detective XXXX XXXX - XXXX XXXX declared a " TOTAL LOSS '' XXXX/XXXX/XXXX. ALLY FINANCIAL is the lien holder for the XXXX XXXX XXXX in question. XXXX XXXX declared total Loss but ALLY FINANCIAL is still taking my payments? 

I went to trade the vehicle in AFTER XXXX XXXX & ALLY FINANCIAL made me recover the FOUND stolen vehicle in California - for which XXXX OR Ally Financial have attained a SALVAGE Title unbeknownst to me. 

The car was declared " Total Loss '' in XXXX. I HAVE GAP Insurance and ALLY FINANCIAL IS AWARE of that fact and has NOT ACTIVATED GAP despite my requests or questions ; as I was n't sure about GAP until recently. 

I want to complain and bring charges against BOTH entities for fraud. 

The XXXX XXXX XXXX XXXX XXXX XXXX AND ALLY FINANCIAL ARE NOT IN COMPLIANCE WITH GA LAW. Please advise. 

XXXX XXXX XXXX XXXXXXXXXXXX

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 11/25/2017 about Debt collection (Medical debt) with Midwest Recovery Systems (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A former employer ( XXXX XXXX ) failed to pay the entirety of medical bills for a worker 's compensation related injury. The former employer did not disputed the bills and they paid some lost wages. The hospital ( XXXX XXXX XXXX XXXX XXXX NJ ) is attempting to collect the debt through Midwest Recovery Systems. I believe that the hospital and XXXX XXXX are breaking various laws. My former employer has a legal responsibility to pay the medical bills under state laws. The hospital was aware that this was a workers comp claim, and that in NJ employers are legally responsible for paying medical bills for workers comp cases. 

The account is in collections and might effect my eligibility for a mortgage. I have documents and emails which support my case Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX, 2015 I disputed an unauthorized inquiry on my report. I was unsuccessful in receiving a response from XXXX. After not receiving a response, I sent my letter of concern to TransUnion addressing my concern. XXXX responded on after the 30 day time frame only to ask to send additional information I have already provided. See information attached and remove this from 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