milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I contacted TranUnion about bankruptcy information that is displaying on my credit report to let them know that the information was not accurate. The bankruptcy did not belong to me. They said I needed to dispute the information on my credit report. I disputed the information onXX/XX/XXXX and the information came back on XX/XX/XXXX as being verified. While TranUnion was working on the dispute, I reached out to the Bankruptcy Court in XXXX to get information about the verification. They told me I could send a letter. I did and they responded to my letter by letting me know that they did not have information on file about me and that they did not verify any bankruptcies. They sent me this letter dated XX/XX/XXXX. I have scanned it in and will include it here. 
When I received the information from TransUnion on XX/XX/XXXX, I called them to inquire about how they verified this and the person I spoke with told me they verified it through the Court systems or a verified source. So I let her know that they did not verify it through the Court systems because I have a letter from the court system specifying that they do not verify bankruptcy information for credit reporting agencies. The customer service rep then said that it must have been verified by the outside source. I requested that information from her at that time and was told she could not give that to me. So how am I able to dispute the verification if they will not tell me who the source is so that I can write them for debt validation? I need to clear this up and according the FCRA, I should be given the information to clear up the inaccuracies on my credit report. I should have full disclosure. It is my credit report. I am trying to figure out what the problem is. This information does not belong to me and I would like it removed from my report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Debt collection (Medical) with Revenue Assurance Professionals LLC (GA).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: XXXX ( collections department for XXXX healthcare ) Has reset the dates of my medical debt on my credit reports, in multiple cases is double reporting the debt XXXX 3 times for the same bill, and is not reporting the debt as medical.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Someone applied for credit with XXXX and TransUnion gave access to my credit history without my authorization on XXXX/XXXX/XXXX. XXXX approved the credit for whoever was applying. I called TransUnion, XXXX, and XXXX XXXX/XXXX/XXXX. They put fraud alerts on my accounts. Called XXXX customer service XXXX/XXXX/XXXX. They said yesterday that yes they gave approval for credit. They closed the account. No charges to the account thank XXXX. I talked to their fraud department and they are to investigate. I now have a hard inquiry on my credit history on XXXX/XXXX/XXXX from XXXX  that I did n't authorize. Would like to get it removed.

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 12/13/2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have contacted this company to validate this account. I want this removed from my XXXX  credit report immediately as I have never done business with XXXX XXXX XXXX. I do n't owe them any money.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Santander repossessed a car I purchased. The said amount of {$9100.00} is on my credit report. However, after the car was repossessed I was never given the opportunity to redeem the car. According to Georgia Code Section 10-2-36 which outlines that I had options following the repossession. The lender should have notified me of my right to " redeem '' the car within 10 days of repossession. I was not given the option to demand the lender to sell the car via public auction. I was not notified of the date and time of the sale. Since I was NOT given this information I should not be responsible for any deficiency amount.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (OK).
Issue: Using a debit or ATM card

Complaint: I have a checking, saving and a credit card from Chase bank on XXXX XXXX XXXX in the morning Chase alerted me to a fraud attack on my check card XXXX charges. I called in XXXX that morning I find XXXX more, XXXX from the some company the other from another company on XXXX done XXXX in the morning. Chase took care of the charges, closed the account and ordered new cards great. Then I start seeing charges from the closed account on my new account so I called I was told that setup payments would still be made out of closed account on my new account. I mad and scared at the time, I told Chase this could happen he told no it could not boy was he wrong on a recorded line too, the people that have my card can setup payments if they like under different company names which my have happened on XXXX for {$49.00} XXXX cleverbridge. My husband or myself did not order it so I have to now have my new account closed again and reopened yet again. Another person that would stop in a couple of days two weeks it is still happening.. I have XXXX more charges from my old account on my new account. Now on what they have done to with our checking. We had a scam/fraud company playing with my husband 's federal student loans that they did not do anything with. We payed them XXXX payments of {$230.00} each XXXX in XXXX, XXXX in XXXX. We were told by the student loan people to be charge backs the bank stated they could not help us it was not 90 days old. If they treat us this way how many others have they treated this way.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Rewards

Complaint: Citi Cards canceled my credit card without giving me any notice. The letter I got from them a week later was dated the day my credit stopped working. I was told by customer service the loyalty points I had accrued would be valid for 60 days but when I checked later on they were also canceled. From XXXX I have gone to XXXX point when I was told that I was welcome to use all of them before expiring 60 days after the card cancellation date. I have no debt, paid my bills on time and have very good credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (I do not know) with COMPREHENSIVE LEGAL SOLUTIONS, INC. (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company has done a credit check on me. I need to know why- was an application received for some sort of service? Through another party? Or do they have an account for me that I need to know about? I have been a victim of ID Theft and need to confirm what this is for. They do not answer any calls or return emails, I have been trying for over a week.

Company response to consumer: Untimely response
Consumer complaint received 07/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was transferred to another collection agency and I made arrangements with the to pay it of. When I found out this item are been out to another agency I was surprised and made arrangements with them to pay bill. It was pain.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (Other debt) with AFNI INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This letter is regarding account #  XXXX , which you claim I owe {$280.00}. This is a formal notice that your claim is disputed.  <P/> I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I h ave ( o r ever had  )  some contractual obligation to pay you.  <P/> Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and   XXXX    ) from y our company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDC PA 807 [ 15 USC 1962e ] ; the refore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.  <P/> Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.  <P/> Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for  : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection   Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.  <P/> For the purposes  of 15 USC 1692 et  seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.  <P/> Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.  <P/>  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dear sir/madam, as I was going through my credit report on Experian and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX XXXX XXXX any time I dispute the account, they kept sending a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX XXXX. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX XXXX or any of it affiliates. 
I am requesting that XXXX XXXX XXXX or any of their affiliates should remove such negative statement from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am contacted the CFB regarding Midland Credit Management, FTC file # XXXX. Company was sent 3 dispute letters by me. MCM never provided a debt validation or any acknowledgment of it. Instead, they knowingly lied to the FTC and stated that they provided me a debt validation twice, one on XX/XX/XXXX& another again on XX/XX/XXXX. Both statements provided by MCM were false. I am filing another FTC complaint against company for falsely stating they provided me with enough proof of the debt ( ex : debt validation ) when they did not. Company has mocked the power level and senses of the FTC by failing to do what is required of them by law : provide a debt validation within 5 days of receipt of my dispute letter. However, they sent nothing but a bill and advised me in writing that I owe the debt-NO Validation provided. The company in their response on XX/XX/XXXX complaint # XXXX, stated that prior to receiving notice from CFPB, they never received a response from me, however they signed and received my dispute letter sent certified mail thru usps tracking # 's XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX. I am re-filing a complaint against company for stating they provided me on 2 instance with a debt validation when company did not provide me with anything besides a settlement letter that was a bill, a general statement letter from XXXX XXXX, and a verbal written notice from XXXX XXXX-Division Manger, stating I owe the debt, with a charge-off letter attached. NO DEBT Validation. Company 's like MCM who fail to comply with the FDCPA when contacted with disputes, to then classify written letters and billing statements as debt validations should be shut down! I did not obtain an account from XXXX XXXX XXXX/XXXX XXXX! I have been asking for a proper debt validation that company has failed to provide. Instead, MCM lied to CFPB and stated they provided it! Wrong & FALSE INFORMATION!

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: To Whom It May Concern : Re : NationStar Mortgage Co. Loan # XXXX I am requesting that someone investigate this matter. I feel that NationStar Mortgage Company have discriminated against me concerning a Loan modification and a Short Sale. I owned a rental property at XXXX XXXX XXXX, XXXX, NC XXXX. It took them three months to make a decision about the loan modification because they would n't accept my information because I did n't have a mortgage statement on my primary resident. However, NationStar did n't want to accept the documentation I provided to them because they wanted a mortgage statement on my current resident. I sent NationStar all necessary documents showing them that I owned my primary resident. But, the underwriting in that department still requested that I send them a mortgage statement. At this point, XXXX XXXX XXXX my loan Specialist had to contact her boss regarding this matter before the underwriter would receive my documentation concerning the Loan Modification. The things this mortgage company put me through was truly uncalled for. Nevertheless, when it comes to the Short Sale they waited almost another 70 days before making any decisions about the Short Sale. They only gave the Real Estate Agent XXXX XXXX XXXX not even 30 days to sale the property. I was n't given due process in selling my property or receiving a Loan Modification on a home I owned for nearly 13 years. I stated in the beginning of this letter this company has discriminated against me as a US citizen. I know they do n't do all of their customers this way. I explained to NationStar that I had developed a number of health issues which has put me in position where I 'm not currently able to work. I tried to give them a partial payment and they would n't accept no payment unless it was the full balance. I tried everything I possibly could to get this company to work with me. But, they constantly discriminated against me in every way that was possible. Please investigate this matter for me. It not right for them to discriminate against me I 'm a US citizen and I have rights. If nothing else I do n't want this to happen to anyone else. 

Thanking you in Advance XXXX XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX .... and XXXX XXXX are fraudulent accounts reporting on my Experian CREDIT REPORT.I have never at any time ordered anything from either company.Either someone used my information or it is an error of the creditor.They both accounts should be immediately removed from my credit report. 
XXXX XXXX XXXXXXXX XXXX .... is a paid in full account.The current description as a chargeoff/collection is inaccurate and either should be corrected or preferably remove 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 non-monetary relief
Consumer complaint received 12-07-2017 about Checking or savings account (Checking account) with ALLY FINANCIAL INC. (MS).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I have not overdraft my account in over 4 months, and when it was it was almost immediately remedied. However, my bank Ally continues to hold checks for 5 business days, these are checks from my employer for reimbursements such as mileage and tuition, not checks drawn on a random account. 

It seems to me that this practice suits to assist the bank in collecting overdraft fees rather than preventing them. I have never attempted to cash a check that bounced, etc. I believe they are practicing this solely to attain more money for themselves.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: Went to a bank of America in XXXX XXXX XXXX and XXXX XXXX as an active customer with a government check and they would n't cash because of the way I looked then I went to every bank in the area as a non customer and even from where the check was drawn and still could n't then returned mad as still the customer and then after screaming at what the mgr woman with XXXX they then did

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (AL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On XX/XX/XXXX I received a letter stating that I had 28 qualifying payments. However when I log into my account, it states I only have 26 qualifying payments. I was told by a representative at XXXX that the payments made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were not being counted because I did not have an Employment Certification Form filled. I was told that if I had the formed filled out that those 4 payments would counted. I have the Employment Certification form from XX/XX/XXXX- XX/XX/XXXX form filled by the Human Resources Representative stating that I was employed 32 hours which is full time under the Public Service Loan Forgiveness Program . I have attached this letter. Therefore, I should have 32 qualifying payments instead of 26 or 28 payments. 

I called XXXX on XX/XX/XXXX and spoke with XXXX ( ID number XXXX ), and she stated that the Human Resources representative did not verify that I was full time. Under the Loan Forgiveness Program, it states that 30 hour pers week or more is considered full time. I spoke with  Human Resources on XX/XX/XXXX and she stated that she told XXXX on XX/XX/XXXX that from the entire time from XX/XX/XXXX-XX/XX/XXXX that I was working more 30 hours per week. The Human resources representative stated that she told XXXX that for purposes of the Public Service Loan Forgiveness Program I was XXXX for that entire time period. I would like to see that my qualifying payments be updated from 28 to 32 payments. Online it states that I only have 26 qualifying payments which contradictory to the 28 payments sent in the letter onXX/XX/XXXX. 


Additionally, XXXX disqualified my payments made for the period of XX/XX/XXXX to XX/XX/XXXX based on an Employment Verification form I submitted. I did not submit any Employment Verification Form for this period of time. I have included a copy of the disqualification from XX/XX/XXXX-XX/XX/XXXX. I met the requirements listed on the disqualification form of working at least 30 hours or more for this time period. I have included a copy of the disqualification sent from period of XX/XX/XXXX-XX/XX/XXXX. I met the requirements listed on the verification form of an annual average of at least 30 hours or more for this time period.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Credit card () with BARCLAYS BANK DELAWARE (CO).
Issue: Advertising and marketing

Complaint: Barclay is harassing me by sending me pre-approval offers nearly daily. I 've called to ask them to stop and they either want a social security number or other personal information to be able to process my request. I refuse to do that. They also say it will take 8-10 weeks to process my request.

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 05/25/2017 about Debt collection (Medical debt) with Hunter Warfield, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The amount  Hunter Warfield cl aims that I owe is invalid. The machine that they charged me for was delivered and returned withi n 48 ho urs.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief