milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I got a notice from fcc collections It was an amount that was Outrageous, I first called my lawyer XXXX XXXX & XXXX XXXX they wrote a tetter that I am attaching. They then called the collection agency to ask for an accounting to date they have not sent it. I called both transunion and XXXX numerous times to complian. The last response was from Transunion was that the credit agancy said nothing was wrong with the account and they do not have an accounting available. Nothing is being done but atleast Transunion requested it. I am requesting it for a few reasons by law first consumer law 611 5 a says that the credit agancy has 30 days to reply with information oin the inquiry, Second by law the rental company who is claiming I own the money is not abiding by the rental laws, I have requested the acconting to prove that I owe the money, My lawyer asked for it the County asked for it. The collection agancy has still not come up with it. It has been 180 days and counting far past the 30 days that is required to come up with proof of the debt according to the law. Again accouding to the collection agancy " we do not have one available '', If I have submitted XXXX complaints the credit agancy has not done so yet.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX , a lender that I have had a roughly 8 year relationship with and having never been late for a payment, incorrectly reported to the credit agency Experian that my installment loan account was in " past due '' payment status, when it is, and always has been, current. I called them a month ago, and they have failed to fix this, resulting in my being rejected for an auto loan.  XXXX    XXXX   are crooks. Steer Clea r!

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 10/28/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Required XXXX has be reporting XXXX accounts ( XXXX .... ) on my credit file for Experian, XXXX and XXXX status as " Creditor can not locate individual ''. My phone number and address has not changed since XXXX 2009. This is the same address that is on file with the credit union as I often receive mail and email from them. I was recently denied credit for a loan and was told that the state reads " Creditor can not locate individual '' on my report does not show well and could easily be misinterpreted as I recently found out. To state that on report is totally incorrect as I receive special offer mail and emails from XXXX XXXX often.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NE).
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: XXXX XXXX XXXX reports an incorrect debt collection to the Credit Reporting Agencies (CRAs) with an open date ofXX/XX/XXXX. This is an invalid debt collection, and an invalid date, and it needs to be removed from my credit reports immediately.I have tried to resolve this issue with XXXX XXXX multiple times via phone calls (XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX), emails (XX/XX/XXXX and XX/XX/XXXX), and written letters (XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX). XXXX XXXX continuing to report this inaccurate debt collection has directly led to me being denied for credit cards XX/XX/XXXX), auto loans (XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX), and has increased car insurance quotes (XX/XX/XXXX).XXXX XXXX claims that I was refunded $XXXX on XX/XX/XXXX and another $XXXX on XX/XX/XXXX. I refuted this claim by sending XXXX XXXX my XXXX and XXXX bank account statements proving that 1) there was a $XXXX  withdraw from XXXX XXXX and 2) I never received the $XXXX in return to my bank account on or around XX/XX/XXXX orXX/XX/XXXX. In addition, XXXX XXXX XXXX claims that I received receipts for two separate $XXXX returns onXX/XX/XXXX. I again supplied XXXX XXXX XXXX with my XXXX bank account statement proving once again that I never received these returns on or around XX/XX/XXXX.Lastly, XXXX XXXX XXXX also inaccurately reports the date this inaccurate collection. They claim a date ofXX/XX/XXXX. The last instance I was even at XXXX XXXX was XX/XX/XXXX. That is 13 months earlier than the date they are reporting to the CRAs.In addition, I have tried resolving this with Equifax, XXXX, and XXXX. I have sent all three CRAs my bank statements clearly proving that this XXXX XXXX debt collection is completely inaccurate and needs to be removed IMMEDIATELY from all of my credit reports.Attached you will find screenshots of my bank statements proving that I absolutely paid the $XXXX and a definitely NEVER received a $XXXX. XXXX XXXX's debt collection needs to be removed from my Credit Reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Look identity thief is the hardest thing to fix I will not pay for help to fix it this why I have had XXXX XXXX and XXXX I will not spend the rest of my years trying to correct this. It raises XXXX for someone to be low life and get stuff ber my name the only credit card I have is through my bank since XX/XX/XXXX. I 'm tired of all this because that 's how companies make money not from me, I live on XXXX a month I do n't even get bye there are XXXX items that should have been removed in XX/XX/XXXX went I sent first dispute to XXXX I will not continue to do it again they failed the first time. Funny my Senators replyed to amusing.

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 01/18/2018 about Debt collection (Private student loan debt) with Riverwalk Financial Corporation (GA).
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 was contacted on XX/XX/XXXX at XXXX XXXX by XXXX XXXX XXXX '' with the XXXX XXXX XXXX XXXX  from XXXX. He stated that he was trying to collect a debt for XXXX College for XXXX He stated that he was a lawyer and that his client was XXXX XXXX XXXX He stated that they have mailed letters to me that I have never received. He told me he wanted to give me a courtesy call to let me know that they will be suing me, and garnishing my wages and/ or tax return if we could not setup a payment arrangement today. I proceeded to tell him that I am unemployed due to a major car accident onXX/XX/XXXX. I had XXXX XXXX and can not work at the moment. I lost my previous job due to the situation. I have documentation. After I tell him that they will have to proceed with the case, then he gets agitated and demanding that I pay the money or lose my taxes. I told him that I am a single mom and anything that I get back from taxes would go towards helping our living situation. I still proceeded to tell him to go ahead with the process, due to the fact that I still do not have the funds. I asked would I get correspondence when a court date is in place. I told him I would get a lawyer. He laughed and told me that I can not afford one or to file bankruptcy. He also had information about my other open accounts and laughed about my amount of debt. I told him that in my city we have access to free legal aid and lawyers based on income. He stated that he would ship out the petition today. He as very rude and degrading me and my situation. I have never experienced that with anyone that I owe. I have other accounts and the staff has never treated me like this. After the phone call, I XXXX the law firm and the number. I did not find that law firm anywhere. I found XXXX XXXX XXXX in NY and XXXX XXXX. The law firm in XXXX XXXX had a XXXX XXXX, not XXXX XXXX. I know that some debt collectors may impersonate lawyers to collect the debt, but that is a criminal offense. Also, when I XXXX the phone number it was in a list of other numbers registered to XXXX. I also know that he can not sue me in another state without hiring another lawyer in my state, because it seems like they are out of my state or country. Please help. I am doing the best I can trying to get back on track after this life changing experience. I do not appreciate being degraded and harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Debt collection (Medical debt) with ProCollect, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: in XX/XX/XXXX, I divorced my then, wife, now ex-wife. In XX/XX/XXXX, my ex-wife using an insurance card she was permitted to use, incurred a debt with a XXXX XXXX ; which, she promptly, failed to pay. 

The doctor 's office tried collecting the debt, eventually calling me since she had moved out of state. I informed them that I was not ther individual in their office ; nor, did I at any time agree to be financially liable for her visit. The doctor 's office indicated that they understood and never called me again. 

At some point thereafter, the doctor 's office sold off the debt to ProCollect. After not finding my ex-wife, they began harassing me. I told them the full story numerous times over the past four to five years. On more than one occasion they indicated they would remove the debt from my credit only to leave it in place and deny our previous conversations. Most recently, in XX/XX/XXXX, I spoke with a XXXX XXXX at ProCollect and after a lenghty discussion, she agreed that this was not my debt ; and if I could send my divorce decree as evidence, the smudge would finally be removed. 

I quickly drove to the courthouse where my divorce was finalized and paid for a certified copy of the requested decree. I then had the document scanned into PDF, again at my expense, and e-mailed it to the address I was given. 

This item has yet to be removed from my credit. 

I called ProCollect again today, in hopes of getting them to correct their apparent inattention to this issue, this time speaking to one XXXX XXXX. XXXX XXXX indicated they had received the decree but did n't care what I thought that meant. They determined that the decree no longer qualified or substantiated my claim. They insist that the debt is mine. 

I have asked numerous times, five by memory, for them to provide evidence of their claim that I incurred this debt. They have openly refused to provide that evidence.

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 06-04-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am currently in the process of purchasing a house in New Hampshire, I was told a few months back to try to dispute any inaccurately reported accounts on my credit report to help improve my scores prior to locking in a rate. The on-line dispute section of the major credit agencies was very confusing and difficult to navigate and as a result of my challenges I inadvertently disputed a short sale ( an account that closed in XX/XX/XXXX ) I contacted the credit agencies of my error and that I wanted to retract my dispute but a report from the creditor had already been made. I was told that I needed to contact the creditor and have them correct the " last reported '' as XX/XX/XXXX as the " last reported '' date now shows XX/XX/XXXX. The repercussions of this last reported date is major, what resulted is that when my loan goes to electronic underwriting through XXXX, the software THINKS that since this was report in XX/XX/XXXX that I 'm " CURRENTLY IN FORECLOSE '', and subsequently disapproving my loan. Under the instruction of the credit agency XXXX & Experian I contacted the creditor XXXX to get help to resolve this mistake. XXXX was more than willing to help and was understanding of this error. Their credit corrections department called to the highest level at XXXX and Experian & XXXX and tried to electronically change that " last reported '' date to reflect XX/XX/XXXX, they even went so far as to supply me with a letter that reads " The " last reported date of XXXX is an update that was requested in error. There has been no activity on this loan since it closed in XX/XX/XXXX '' signed by XXXX XXXX XXXX of the President XXXX. Here is what XXXX was told by XXXX " they explained to me that it could n't be removed ( embedded software programming ) ''. I also reached out to XXXX by phone and fax and to Experian by phone spending hours on hold and explaining my situation to several managers at various levels, ultimately at the end of those calls and faxes, I was told by both XXXX & Experian despite the creditors letter, their calls, my calls, my faxes, that they are refusing or " unable '' to change that last reported date to XX/XX/XXXX. Without this correction my family of XXXX kids are going to be effectively homeless if this change is not facilitated by the XXXX credit bureaus to reflect the last report date of XX/XX/XXXX. My loan flatly will not be approved without this correction. I am happy to supply the letter from the creditor XXXX and provide contact information for XXXX XXXX at XXXX. Respectfully, I would ask you please, please help me to get this resolved as quickly as possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was recently purchased by Nationstar Mortgage Company. We keep scheduling our payments online via their website well within the payment period but continue getting phone calls on our home and cell phones advising that our mortgage payment is late. This happens every month and have asked that they check their records prior to calling and disturbing us. We have asked numerous times but they continue to call day and night. No matter who we speak with they will not stop calling and harassing us.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (LA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Ever since late XX/XX/XXXX, USAA has been letting me transfer money from my XXXX XXXX XXXX XXXX account to put money in my USAA checking accounts. But starting about 2-3 weeks ago, XXXX start reshuffling the way they process transactions, and I called them out on it, because it was obvious they were doing it to charge customers overdraft fees. They quietly fixed things and refunded the fees they charged me. However, when XXXX was doing this, it kept causing Returned Items on legitimate money transfers with funds fully available, but then XXXX would recall the money. This set off alarms with USAA, and I was able to fix the problems with both banks ... well, I fixed it with XXXX. USAA restricted my accounts to the point where I ca n't perform transfers, or even use my debit cards. I 've called and faxed USAA and I 've even included the XXXX XXXX XXXX XXXX statement apologizing to me AND USAA for the " honest mistake that should have no reflection on [ my name ]. '' But USAA wo n't do anything for me, and after asking a banking rep how long it takes to return to normal, they replied " weeks to months. '' I have deposits coming into both my accounts from my small business and from family providing money to me, and I ca n't access it. I can look at it on USAA 's website, but they wo n't let me access my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I am a business owner and even though it is a corporation, I have to use my personal credit. Who personally uses their credit for XXXX or any other corporation? My major issue at this point is I pay a monthly fee to be a member of the credit reporting agencies. I get updates daily if there are changes and can refresh my score at anytime. Recently I purchased a home the bank pulled my score from Transunion as did I and the scores were different as much as XXXX points. This week I am purchasing a new vehicle and my score was XXXX points less than what the bank got. Because of the difference on the house I am paying 2 % more monthly and the vehicle I will be paying 3 % more. Anyone that pulls my credit or any Americans credit should receive the same score. I find the scoring system as a fraud / scam to consumers. The system needs to be the same, I work to improve a score of XXXX when really ( per the bank ) I need to work to improve a score of XXXX of which I have never seen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: I recently deposited a check to USAA from a relative in the amount of {$5000.00} on XXXX XXXX, XXXX. My relative contacted me today XXXX XXXX, XXXX and said the funds have left her account, which would mean USAA is in possession of the funds. 

This makes no sense why USAA would put my money on hold until XXXX XXXX, XXXX other than to go spend and invest that money or do other profitable banking practices. 

This is unfair and unreasonable and I 'm requesting that the CFPB please investigate USAA and these practices. I am requesting that USAA please communicate in writing only and not by phone. 

Furthermore, the same relative tried to deposit the funds before writing this check via bank wire and it was turned away by USAA, which I also do not understand. 

I am a XXXX citizen and this is causing me a lot of XXXX and XXXX. I do n't know why I must spend so many countless hours trying to get USAA to stop putting holds on my deposits and then the semantic answers I get from their customer service. 

See attached screen shots of deposit holds and screenshot from relatives checking account which shows that funds have cleared and that USAA is alienating me and is conducting unfair banking practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On or around  XXXX   XXXX ,  XXXX  I was notified by Bank  XXXX   XXXX  that Experian had posted a collection notice to  XXXX   XXXX  for a medical bill from  XXXX   XXXX  from  XXXX   XXXX  who has since closed   XXXX   XXXX   XXXX   and left the area. There was a bill for {$72.00} outstanding?  Two ot her charges from the clinic where covered.     After contacting Experian and  XXXX  I was told they had sent any letters to me of which I never received. After MANY hours searching I found out the  XXXX ,  XXXX  and Experian HAD T HE WRONG STREET AD DRESS LISTED FOR ME!     I paid the bill and fee with  XXXX  on  XXXX ,  XXXX ,  XXXX  for {$73.00} on the phone with a Check electronically with my  Credit Union.       XXXX   XXXX ,  XXXX  I filed a report  XXXX  with Experian and  XXXX  and having my address corrected and was told by both that this collection would be removed and my  Credit Score  would be CORRECTED. Experian still shows it has DROPPED FROM  XXXX  TO  XXXX  WITH A FAIR RATING?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2016 about Mortgage (Conventional fixed mortgage) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Settlement process and costs

Complaint: Regions bank does not appear to be following TRID guidelines. We are down to the last few hours for me to sign the CD for my closing on Monday and Regions is very behind. Without going into the demeanor of those of I spoken with or the internal issues they are attempting to overcome, I would like to focus on their TRID process. The Production Manager, XXXX XXXX in the XXXX XXXX, SC processing center will not attempt to obtain a balanced CD for me to sign. He is insistent on sending be an incompete CD for signature which will not be sent until after business hours. Tomorrow, he will work on balancing the CD with the title company with their figures, taxes, government fees and estoppel info. I have been in contact with the Law Firm closing my purchase and they are waiting for Regions Bank to perform. The process should be for Regions to send to the Law Firm to balance figures prior to presenting the CD to me for signature. Estoppel info, if delayed, can be revised during three day wait but the main figures should be accurate. This is the intent of full disclosure to the borrower so that he/she has an understanding of costs associated with obtaining a loan three days prior to signing. Regions appears to be circumventing the spirit of the law as enacted by Congress.

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