milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Transunion received a complaint and dispute from me mailed XX/XX/2016 and a certified letter on XX/XX/2016 @ XXXX. I asked for investigation that claims that I filed bankruptcy and request them to provide proof of me filing bankruptcy. They sent me a letter back stating it has been verified. I have never filed bankruptcy and request proof bearing my signature and they have failed to provide me that information nor did they mark dispute in 30 days. Verifying they computer is not sufficient and I requested information stating I filed for bankruptcy which was never provided. 

The Federal Laws that they have broken are below : Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Fair Debt Collection Practices Act. And they may be liable for their willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ].

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 07/15/2016 about Debt collection (Auto) with Stephen Einstein & Associates, P.C. (NJ).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I received a letter saying I owed a debt to XXXX XXXX services for a car loan for XXXX I am guessing that the car loan gave the to a law office by the name of Stephen Einstein & associates P.C XXXX, NY XXXX XXXX On XX/XX/2016 I received a letter stating that the creditor no longer was pursuing the debt without prejudice. so I no longer was thinking about this matter. On XX/XX/2016 I received another notice stating that the law firm was now pursing me again for this debt without any explanation I am very confused as to what to do about this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Debt collection (Private student loan debt) with TRANSWORLD SYSTEMS INC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: After paying the debt, I was made aware that they would delete off of my credit report but never did. When I I contacted them about it, they acted as if they did not know who I was and told me that they will not take it off of my credit report. I have tried different ways of contact, going to the bureaus and contacting them personally and still no deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX RAN MY XXXX ON XXXX XXXX AND EXPERIAN IN ERROR WAS SUPPOSED TO BE SOFT ONLY.

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 09-02-2015 about Credit card () with JPMORGAN CHASE & CO. (NE).
Issue: Transaction issue

Complaint: My wife was charged monthly for four months for a rewards program that she did not sign up for and was not even aware of. I pay the bill and the charges were from a company she occasionally orders from, so I did n't notice. When she started to get a subscription to XXXX XXXX, she called and learned that she had been automatically signed up as part of this program. I have submitted a dispute with my credit card company and I expect it will be resolved, but I 'm wondering how these vendors can get away with what must clearly be an illegal practice. The company ( as listed on my credit card statement ) is XXXX MD XXXX. Friends have mentioned something similar happening to them. Can this be stopped?

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/26/2017 about Debt collection (I do not know) with National Principal Group, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company has been calling my sister repeatedly for a couple of weeks now and leaving messages stating they are trying to locate me and that I used her as a reference. They have since been calling other family members as well as my own cell phone & house phone multiple times a day. I have called them to find out who they are, but can not get anywhere because I will not provide my personal information to verify myself as I do not know why they are or what company they are representing. I understand all of this and requested that they then mail this information to the address that they have on file as I do not believe I owe anyone money and they have refused to do so stating that I have probably moved. I have not moved in over 7 years and informed them of this and yet they still refuse to do anything. So now I am at a stand still. Myself and my family are being harassed with phone calls multiple times a day and I can get nowhere with this because I will not provide my personal information to a company I know nothing about as I do not even know if this is a scam! All I am asking is for the phone calls to stop & for something to be mailed to me providing proof of whatever debt they say I owe then I will be completely willing to talk to them about it and prove my identity. They keep saying they are calling my " references '' I have never used references for anything. I have never had a car loan or any other type of loan or any other debt that would require me to have references so I find this very hard to believe as well. Not to mention my last name has not been what they are calling me for the past 5 almost 6 years and my sister was only XXXX at that time so I most definitely would not have been using her as a reference even if I had to have one.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Debt collection (I do not know) with WELLS FARGO & COMPANY (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: my wallet was stolen along time ago and now im receiving a letter stating I owe a banking institution this is not me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2017 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a judgement from XXXX on my credit file. I never had a collection with XXXX. I contacted the civil court XXXX and provided the court docket number on the file. They had no record of the item. I disputed this with Equifax and it remains on my file. There may have been some name similarity that put this on my file ... .but if the court does n't have it, how did it stay on the file after I disputed it?

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (FL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Amsher Collection Agency collecting a XXXX disputed debt. The employee, XXXX, was abusive and bullyish. There were other ways to look up my account and he was very rude insisting that I had to give him my whole SS #. When I refused to do that he lied and said I had to. When he found my account using the phone number he said i had to call a different number. I asked him to wait a moment while I went to my desk to get a pen. He said call us back when you have a pen and hung up the phone. The amount I owe is small, I do n't even really owe it - this man was beyond rude and completely unsuited to this line of work. I called back and XXXX XXXX took care of me. Offered no apology regarding his employee 's abusive attitude. 
I can only imagine how bad someone with a real and large debt would feel about 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 04-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The company, XXXX, refuses to update my Transunion account correctly. XXXX of my old school loans from XX/XX/XXXX, that were both consolidated and transferred to another lender in XX/XX/XXXX, are still showing as OPEN on my credit report. These loans are from XX/XX/XXXX AND XX/XX/XXXX. I have called XXXX and Transunion, but they do nothing. It is getting reported correctly on XXXX, so, XXXX needs to call and fix it with Transunion. I have already didputed it before, and XXXX did nothing more than add a remark on my account saying payment deferred, Which is incorrect and illegal.

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 02/17/2016 about Debt collection (Payday loan) with Cascade Capital, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I had incurred a pay day loan 15 years ago in 2001 and I have n't had a debt since. I filed bankruptcy and this debt was covered in the bankruptcy. However, this debt collector continues to send me letters and places numerous phone calls to my phone and I 've asked them to seize. Firstly, the debt was over 15 years ago, and secondly they are not authorized to collect on this debt and thirdly this was dismissed in bankruptcy over 13 years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Medical debt) with Carter Business Service, Inc. (MA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Hello, I am written to you for help on my derogatory remark on my credit report. I have a collection payment on my report. This medical collection is 2 years and 6 months old. I don't have the exact date and documentation of when I got it. At the time I was inexperienced with my credit, but now I trying to improve my credit score. Also I was unemployed at the time to repay the collection debt. I am trying to repay my collection and was seeing if you would be able to as a goodwill gesture to remove my derogatory mark.

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 12-02-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Account opening, closing, or management

Complaint: I received an offer in the mail from Wells Fargo Bank offering a {$300.00} bonus for opening a new checking account and making deposits totaling {$500.00} in the first 60 days. On XXXX XXXX, 2016, I spoke with XXXX XXXX, Small Business Specialist II at Wells Fargo to begin the process of opening the account, told him I wanted to open an account eligible for this offer, and provided him with the offer code on the offer I got in the mail. In that phone call ( which I have a recording of ), XXXX XXXX confirmed the type of account I opened was eligible for the {$300.00} bonus offer. That day, XXXX XXXX sent me some forms I needed to fill out, and after sending him the forms back, on XXXX XXXX, 2016 I again spoke with XXXX XXXX and we completed the process of opening the new account, and XXXX XXXX provided me with the account number for the new account and told me to make my initial deposit. On XXXX XXXX, 2016, I also dropped off a deposit for this new account in the amount of {$550.00} at a night deposit box at Wells Fargo. 

However, despite the fact that I complied with the terms of the offer Wells Fargo mailed me, Wells Fargo refused to honor the offer for the {$300.00} bonus and proceeded to close the account and reject my deposit. I have repeatedly contacted Wells Fargo requesting they honor the offer, and to-date they have refused to do so. I have attached a copy of the offer I got in the mail, a copy of the deposit slip and check from my XXXX XXXX, 2016 deposit, and Wells Fargo 's XXXX XXXX, 2016 letter to me where they return the {$550.00} check that I deposited on XXXX XXXX, 2016, confirming they received the deposit. I also attached a recording of the XXXX XXXX, 2016 phone call, where XXXX XXXX confirmed that this account was eligible for the {$300.00} bonus offer ( beginning at XXXX of the recording ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with WELLS FARGO & COMPANY (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a phone call from some calling from XXXX XXXX telling me they had a package to be delivered to me at my place of employment, so i asked for the information about who and what it was. They informed me that it was from a lawyers office and they gave me a phone number and a reference number. I called the number and was told it was from Wachovia and that i owed a debt from XXXX on an over drafted bank account. I have no knowledge of this account. I went to the bank and also called their XXXX number looking for information. They said they had no information on me. I then asked the lawyer who called for info and was told she could not release it to me. She did give me a supposed number for Wells Fargo XXXX ( XXXX ) which only said they sold off my account and had no other information. They gave me a number to who they sold it to, I called and was told it was sold off again and then again. Called back the lawyer and they just got upset and said they will see me in court. They said i have until XXXX XXXX, XXXX to pay the settlement amount or i will go to court and pay thousands of dollars. Now i am freaking out because i am unsure of what this is and i do not recall ever having a Wachovia account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/16/2015 about Debt collection (Non-federal student loan) with SYNCHRONY FINANCIAL (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Recently closed her Synchrony/JCPENNEY credit account ending in XXXX. At the time of closing and cancelling of the account in question, She was told there was a zero balance. 
She continued to receive statements showing balances. She wrote a check for the balance {$31.00}, XXXX check # XXXX dated XXXX/XXXX/2015. 

She continued to get statements. On calling she was told that the reoccurring fee was for life insurance. She told the Synchrony /JCPENNEY agent that she never ordered life insurance. The fact that the account was closed with a zero balance fell on deaf ears. At this time it was communicted to the Synchrony /JCPENNEY agent that her perception of the continued statements for insurance she nver orderd is HARRASMENT. In this case elderly HARRASMENT. At this time it was communicted to the Synchrony/JCPENNEY agent the desired resolution. She asked for removal of the fees for the life insurance that she never ordered. The Synchrony /JCPENNEY agent was also advised that if the harrasment continued, complaints would be filed with the CFPB the FTC and the Texas State Attorney General. 
The statements continued. Another call was made to Synchrony JCPENNEY. At this time a request was made to speak to a manager She was told that a manager was not available. Again the fact that she never ordered this life insurance and felt harrased, fell on deaf ears. At this tme a verbal cease and desist request was made. XXXX continues receive the threatening statments from Synchrony JCPENNEY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/24/2017 about Bank account or service (Other bank product/service) with U.S. BANCORP (WA).
Issue: Making/receiving payments, sending money

Complaint: On XX/XX/2017 the US Bank branch manager, XXXX XXXX, refused me service. Although she claimed it was for not presenting valid identification, in reality it was because of my general appearance which she automatically interpreted as " homeless '' XXXX street clothes and a book bag. Evidently, " her '' bank automatically refuses services to anyone who appears or fits the description as " homeless ''. XXXX did n't know and did n't care that I 'm a XXXX who works to pay her own bills for her own apartment. She probably does not care that I will neither recommend nor refer any of my friends to the bank. XXXX has no place casting judgment onto anyone because she 's a XXXX XXXX in the banking industry who catches enough grief from everyone with whom she encounters.

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 08/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I was a victim of identity theft in XXXX XXXX. A public lien was placed on my acct. I was able to provide proof to the reporting agencies and sent them a copy of the paperwork over 2 months ago ( again ) as I was just reminded of this again when I checked my reports. Nothing has been done about this and they are still reporting the lien on my credit report. I have the proof from the XXXX of XXXX XXXX and they wo n't remove it from my report. Looking to get this matter resolved as I 'm trying to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: all   XXXX   bureaus fail to remove  XXXX   XXXX  from 3 years ago!   no replies no response numerous request to investigate with no action taken

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 01-12-2018 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: JP Morgan Chase Bank keeps on calling my husband 's and my house. We want written notification on this debt. We want these calls to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Portfolio Recovery Associates has called us repeatedly this past month ( XXXX 2017 ) about a debt they say I have with XXXX. I have explained to them that I do not have an account with XXXX and they have the wrong person or the wrong information and to stop calling me. I also asked that they send the alleged debt information to me via the USPS. I have not received anything, yet they have continued to call, each call from different telephone numbers and area codes, even after being told to stop calling me over and over again. One day last week, they called three times within one hour from three different telephone numbers. The most recent call was from phone number : XXXX. I have blocked every number they have called from so far, but from reading online complaints against this company, they supposedly use dozens of different numbers to call and harass people. Unfortunately, I did not keep a log of dates or numbers after blocking them, but this is harassment and it needs to stop. Again, I do not owe any debt nor do I have an XXXX account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 'll try to make this brief : Beginning in XX/XX/XXXX, I began having problems with my XXXX phone and charges. I ordered a new phone through them and it was defective. I made several trips to the local XXXX store but problems continued and I was told the phone could not be repaired. They sent a new phone to the local store but then wanted {$20.00} shipping. I refused to pay that since the worthless, defective phone was not my fault, plus I DROVE to the store to pick it up. In the meantime, my XXXX charges went from the quoted {$85.00} per month to {$120.00} per month, with no explanation. Calls to customer service were useless and I finally got phone service with XXXX. I attempted to return the defective XXXX phone to XXXX different stores and they all REFUSED it. XXXX began contacting me, saying that I owed ridiculous amounts of money, then collection agencies began contacting me. DIVERSIFIED CONSULTANTS called me in XX/XX/XXXX and I told them what I am telling you -- that I did NOT owe this absurdly outrageous {$500.00}. The agent then asked me if I was disputing the charge and I said YES. He said that was fine and that he had made note of it and SOMEONE WOULD BE CONTACTING ME about the dispute. No one ever contacted me and I discovered today that DIVERSIFIED CONSULTANTS has reported this to XXXX XXXX as a collection/charge off!!! I called Diversified today and was told that this should NOT have gone against my credit since it was in dispute and that she would give the information to 'administration ' and for me to call back in two or three weeks. My credit score was XXXX out of XXXX, showing that I am a very honest and responsible person. XXXX has been wrong about these charges ( and their terrible customer service ) and Diversified has deliberately lied to me -- saying in XXXX that someone would be contacting me about my dispute -- when NO ONE contacted me and it was put against my credit.

Company response to consumer: Closed with explanation