milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several hard inquires on my transunion credit report I have contacted transunion they stated I needed to contact each company individually and tell them which took hours and still I have a ton of inquires including new ones that I did not authorize that I want removed from my credit report as it is harming my report. 
I also have a collection account on my credit report that XXXX and XXXX have already removed and it is still on transunion account. I would also like for this collection account to be removed 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
Consumer complaint received 02/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NJ).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: Beginning on Tuesday, XX/XX/XXXX, the Customer Service team from XXXX XXXX XXXX has called me every day leaving a pre-recorded message that I need to call them. When I call, there is no issue -- no late payment, nothing needed. They advise me of same and we end the call. The next day, I receive the same call again. 
I called them yesterday to make a complaint and to advise that I would be filing a complaint against them with this agency if I received another call from them. 
They called me again this morning. This is harassment.

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 02/29/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: " We 're letting you know your ATM/debit card may have been part of a compromise at an undisclosed merchant. '' I 'm happy that my bank ( Bank of America ) is being proactive about account security, however they are forcing a new debit card number which is a major inconvenience while not providing any information about what happened.

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 02/28/2017 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I am submitting this complaint against Equifax credit agency. First, a little history ... I have free credit monitoring protection due to my information being compromised in multiple consumer breaches. In recent months, there has been an increase of fraudulent activity where my personally identifiable information has been used in attempts to open accounts with several financial institutions. This prompted me to file a police report and submit a credit freeze with the XXXX Credit Agencies ( XXXX and Equifax ). XXXX and XXXX are great! They have very helpful, friendly service and I was able to get freeze my credit with them in no time. When I attempted to contact Equifax to submit a credit freeze and dispute a credit report, I was confronted with a fully automated answering system without option to speak with a live representative. I tried three different phone numbers XXXX XXXX ; XXXX ; and XXXX ), but each number connected me to the same automated system. During the automated call, Equifax instructs callers to submit requests for fraud alerts, credit freezes and credit reports by mail. The most disturbing issue is that Equifax requires callers to submit personal information including, full social security number, full mailing address, and a bill or paystub. This is appalling and unprofessional. No organization, especially a credit agency should be asking anyone to submit personal information through the mail. Please fine, reprimand, hold Equifax accountable to this gross negligence and mishandling of personal information. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have ask for investigation from the credit reporting agency because accounts that are being reported for XXXX XXXX XXXX also known as XXXX XXXX XXXX has never been validated with me. I have no knowledge of these companies and have never made any type of contractual agreement to pay these companies. The credit bureau is claiming they are investigating the dispute but I have been unable to contact the company. My certified letters have always been returned. No phone number to contact company. So how is the credit bureau able to verify information when I am not able. In addition to their bogus investigation process, these accounts are in violation of HIPAA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Trans Union shared credit information with an outside party after I froze the account.

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 01/29/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Delinquencies which occurred XX/XX/XXXX and XX/XX/XXXX have been re-aged, and are being illegally reported well past the Statute of Limitations for reporting negative credit information. I contacted TransUnion in writing ( proof of mailing and delivery receipt attached ) on XX/XX/XXXX, and again on XX/XX/XXXX regarding an accusation of re-aging a total of XXXX accounts from former student loan debts ( now paid in full as of XX/XX/XXXX ). On both occasions, I requested copies of my Consumer Disclosure files to obtain concrete evidence that my debts had been re-aged and were being reported illegally. 
Both requests for the documented payment history in my Consumer Disclosure files have been ignored, and the accounts erroneously " updated '' without any written proof of verfication whatsoever. A total of forty-one ( 41 ) missed payments are being illegally and improperly reported as of this date, XX/XX/XXXX. This has hurt my ability to obtain credit, and I continue to suffer damages as a result of this illegal activity by TransUnion.

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 10/14/2015 about Credit reporting () with Experian Information Solutions Inc. (ID).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent a dispute to experian that was delivered certified mail on XXXX/XXXX/2015 ( usps tracking attached ). There is a judgement that I requested to be disputed item XXXX in letter, ( see attached copy of dispute letter ). This item was never investigated as requested ( see experian dispute summary attached ). Every other item was investigated and listed on experian 's dispute summary except this one. The judgement that was supposed to be investigated does not belong to me and experian had someone else 's social security listed on my report as well, which was removed. This item should be removed by LAW since it is now been XXXX days and I have not received any response on this item.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/29/2016 about Debt collection (I do not know) with CASHCALL, INC. (WI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: On XX/XX/2016, at or about XXXX hrs CST, I received a call from an unidentified male claiming to be employed by XXXX, the number called from is XXXX. The caller said he was calling " in relation to a breach of contract in the amount of {$1700.00} with cash call USA. '' He said if I did not pay immediately, XXXX would take me to court, get a judgment against me, and then have me " jailed '' if I did not pay. It was then he asked for me by name, the only information I would confirm. Most of his information on me is VERY outdated. When I insisted upon them mailing me proof of this debt, the male caller began insulting me, using foul language, resorting to name calling, and actually at one point threatened me with physical harm if I did not pay him. 

I explained to the caller that I am XXXX, low income, that my income is derived from XXXX benefits, and that my state laws do not allow a judgment to be paid from that. He threatened agin to have me jailed if I do n't pay, and claimed to " know many ways of getting around the law to get what is owed. '' I explained that I would be documenting and reporting the call. This apparently upset him even more, though I doubt I would be allowed to post here what exactly he said. I told him to please not call me again without sending by mail proof of the alleged debt. He said he will be calling me every day " if for no other reason than to make my [ stream of foul language ], miserable '' until I paid. 

I wished him good luck with that, said goodbye, and terminated the call. An immediate internet search lists many pages about this company ( IRP ), with many reporting this is likely a scam. 

The alleged debt holder " CashcallUSA '' is an internet " payday loan '' business known to me. They alleged several years ago that I borrowed money from them in such a way, on a date and time, from a location, and in such a manner that makes this impossible. That business has already been furnished with evidence to that effect ( employer documentation, Driver 's Daily Log book entries to that effect, and various statements from those proving I could not have been the one they claimed borrowed money from them. I have also informed them of who might have stolen my personal information to take out such a loan who was in fact in the location on the date and time they claimed. That individual is a suspect in another identity theft issue involving the IRS and law enforcement ( reports filed ).

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 04-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ROC Asset Solutions, LLC (IL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: XXXX from API XXXX has called my relatives and friends using information obtained outside of information I gave to the original creditor for a personal loan. XXXX impersonated an attorney from a Legal department representing her " Client '' when in fact API owns the debt. She referred to a " case '' and provided a " case number '' and threatened to take legal action by Friday of this week in XXXX county. I have a recording of the voicemail. When I called her back, she original claimed to be a " mediator '' ( which is a court official ) and then gave up on that claim and offered a settlement with API, her employer. The phone number she gave was ( XXXX ) XXXX ext XXXX. Please investigate this unscrupulous company. There are so many complaints online.

Company response to consumer: Untimely response
Consumer complaint received 03/20/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: When I registered for college I was assured I would find a job and the college would make sure of it. It was a terrible experience. New instructors every month, always out of supplies, incorrect test answers, the whole thing was a mess. I got an externship but then lost it and the school refused to help me get a new one. I never got a degree and I owe thousands in student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 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: On XX/XX/XXXX Consumer faxed to the debt collector a letter requesting it to validate any alleged debt that it is reporting to an Experian consumer report. It has not responded. 

I am in receipt of a current report dated XX/XX/XXXX in which XXXX XXXX is still reporting. I have not been contacted by this debt collector regarding this erroneous account prior to this debt collector reporting it to my consumer report. 

Is XXXX XXXX in violation of the FCRA? Since the reporting of this negative and invalidated item, I have been denied credit access.

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 02/13/2016 about Credit card () with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Delinquent account

Complaint: I explained to portfolio recovery to take my number off and to contact me only by mail and the representative tried to argue about taking my number off and I disconnected the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/18/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX 2010 we filed an official application for HAMP with Bank Of America and provided some XXXX pages of documents with the application.For an entire year, even though they confirmed receiving the documents each time, they continually lost our file. And they continually gave us false information about the HAMP Program.Then they sent us to another dept. and did a HARP refi and told us it was a prerequisite to HAMP-the refi cost us {$8000.00} in closing costs and did not lower our payment enough to stay in the home and we defaulted.When we reapplied for HAMP they told us the HARP refi made us ineligible for any further modification with HAMP-the opposite of what Bank Of America told us.Now we are facing foreclosure and have no modification programs available to us because Bank Of America cheated us out of getting in the HAMP Program and sold us the worthless expensive HARP.

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 02/18/2018 about Debt collection (Mortgage debt) with Rent Recovery Solutions (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I submitted a complaint to this company on XX/XX/XXXX with an extremely in-depth case and proof as to why this debt should be removed immediately from previous medical reasons. 

The company responded on XX/XX/XXXX and said " We have closed this account and ordered a deletion from all the credit bureaus to which we provide credit information. '' I expected the company to honor this, however after re-reviewing my credit report today it looks like the company has still reported this as of XX/XX/XXXX on my XXXX Credit Report. I would like to have this removed immediately as they've already stated they would do so. 

Thank you for your help. Please see the attached image.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Payday loan, title loan, or personal loan (Installment loan) with CNG HOLDINGS INC (GA).
Issue: Problem with the payoff process at the end of the loan

Complaint: We obtained a lease from XXXX through a company called XXXX or XXXX. We were advised that we were able to payoff our refrigerator with 10 biweekly payments of {$140.00} which would total the amount of the refrigerator of {$1400.00}. We were not advised that we would have to pay an additional payment of for a 90 day buyout in XX/XX/XXXX. At the beginning of the lease we sent 3 emails that went unanswered and attempted to contact them via phone as well with no response. Now we are being told that in order to payoff our refrigerator we would have to pay an additional {$900.00}. When I asked to speak with a supervisor to resolve the issue I was hung up on. We really feel taken advantage of by not only the leasing company but the salesperson at XXXX at well. My family made sacrifices for the 10 payments because we knew it would not be for an extended time period. This was a Christmas gift for my fiance and I am extremely disappointed at having to continue with these payments. We are hard working people and this is unfair. My fiance took a refrigerator from the XXXX XXXX and intentionally looked for one that was not too expensive. I do n't feel this is fair. I feel robbed! 

Also, the company took a partial payment in XXXX. We were not certain as to why but now we feel it was a part of their plan to try and scam us anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. They have not verified these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible  Thank 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 non-monetary relief
Consumer complaint received 01/20/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage company lost my first payment, harasses me with debt collector calls from automated attendant.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Aldous & Associates, PLLC (FL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I recently paid on a bad debt charge I had with XXXX XXXX. I made an online payment of {$200.00} with Aldous & Assosiates. Later on in the week I went to XXXX and learned I was never suppose to be in collections in the 1st place. It was an error on there part. I called Aldous and Associates explaining to them what happened and they stated I needed a letter from XXXX saying I did not owe anything so I can get a refund of the {$200.00}. I paid. I have done everything Aldous and Associates has asked me to do. It 's going on 3 weeks and I have not received my refund. I have called several times and every time I call I am getting a different date on when my money will be deposited. I was speaking to a " supervisor '' XXXX XXXX he had yelled at me, hung up on me, been rude and disrespectful and will not let me speak to anyone else in that office. All I am trying to do is get a refund of my money and this office along with its staff is making if nearly impossible. I have asked to speak to his supervisor or someone who runs that office and I either get hung up on, put on hold for over 20 min or he says he is the one in charge. This is crazy and completely ridiculous. What company can do this to people!! This company needs to be stopped! They can not treat people this way!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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: On XXXX I pulled my credit reports with all XXXX XXXX 's. I had a Bankruptcy listed on all XXXX bureaus. I sent out certified letters to all XXXX XXXX 's on XXXX. EXXXX XXXX XXXX completed the investigations in a timely manner and found the information to be unverifiable. Experian XXXX is another animal. They Signed for the certified letter on XXXX and completed their investigation on XXXX XXXX Report # XXXX XXXX. In my letter I explained to them, Experian Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. They provided none of the above. They have not removed the items in question and have failed to verify them correctly. I sent a 2nd letter to them via certified mail on XXXX and it was signed for on XXXX ( Report # XXXX ). In Experian 's response and denial they stated " The company that provided the information has certified to Experian that the information is accurate. '' Once again they were not able to furnish the appropriate documentation to me that this is a valid and verified debt, even after I requested it. I have contacted the XXXX XXXX XXXX XXXX they have verified that they do not provide information to the XXXX 's. I have called Experian multiple times and have not gotten resolution. Most recently I called on XXXX at XXXX EST and spoke with XXXX who transferred me to her supervisor, XXXX XXXX ID # XXXX ) who also could not help. She transferred me to the XXXX XXXX and I briefly spoke to a woman named XXXX who transferred me to her supervisor who claimed his name was XXXX. XXXX refused to give me any type of employee ID # or last name and claimed it was illegal and against company policy to do so ( even though a previous supervisor had no problems doing so ). XXXX claimed that the information was verified through " XXXX XXXX' and was not going to be removed. After lengthy conversation with XXXX, it slipped out that the information was verified by a XXXX party vendor, not Experian Credit Bureau. This is a clear violation of my rights under the FCRA and has caused me SEVERE financial harm and emotional distress.

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