milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/30/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (WA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a letter from the collection agency Hunter Warfield on X/XX/2017 regarding a debt from XXXX XXXX XXXX. Before calling the debt collector, I researched the company with the Better Business Bureau website and learned about its unfavorable rating on account of its heavy-handed debt collections tactics. In fact the company has a reputation of taking " disputed rental claims from shady rental agencies and tries to intimidate consumers into paying disputed claims by threatening their credit. '' Armed with this information, I telephoned the account manager, XXXX XXXX, and queried him about the matter. I stated to XXXX XXXX, " How did the company gain access to a confidential address which is not listed on any credit report? ". Although he claimed the original creditor had furnished him with information, I called him out on such an audacious lie because no one had the address. I stated that I had accumulated the debt after a lengthy hospital stay and was in no position for repayment because of a debilitating medical condition which prevented me from working. XXXX XXXX neither wanted to provide any information about how the company retrieved my personal information nor wanted to provide any information to affirm the debt. 

I stated to XXXX XXXX that because the company may have violated provisions on the Fair Debt Collections Practices Act for using a third party to gain unauthorized access to a confidential address and unlisted telephone number. I stated to XXXX XXXX the collection agency had used the skip-trace method after an unauthorized third party had provided his company hired a private detective agency to supply personal information. He tried denying the situation ; however, I stated to the debt collector I knew my rights and therefore the company could neither employ shady business practices nor intimidation to cower me into repayment. 

I later learned Hunter Warfield retrieved my information from the screening company, XXXX, XXXX, which is listed on a formal housing discrimination complaint with the both the Federal and Washington State Office of Housing and Urban Development. XXXX, XXXX is a local tenant screening company in XXXX Washington that provides information on prospective tenants to landlords and rental companies. XXXX, XXXX provided personal information to the debt collector, Hunter Warfield, as a scare tactic to prevent me from moving forward with a formal complaint of housing discrimination. Also, XXXX, XXXX provided adverse information to all credit reporting agencies in direct retaliation for naming the company in a formal housing discrimination complaint, thereby limiting ability to rent.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (PA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: this all stared XX/XX/XXXX TD Bank XXXX XXXX XXXX I opened my account onXX/XX/XXXX i had a savings of XXXX and checking of XXXX.I disputed my accounts and transaction many times, I had a primary account savings.I with drew my money on XX/XX/XXXX XXXX on XX/XX/XXXX i despotsed XXXX by XX/XX/XXXX i only had XXXX so by the time i closed it I only had XXXX. they sent me the wrong checks twice and i brought them back, they gave me about 4 different XXXX debet cards at one point i went to put money in my checking and it eat my card and said i had XXXX balance of funds. they owe me money.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (VA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On or about X/XX/2017, I reported five credit card fraud transactions to Wells Fargo Bank totaling approximately {$4000.00}. I stepped into a XXXX XXXX and reported the fraud. All but two transactions were removed. Those two transactions, totaling {$790.00} were posted to my new card. It was subsequently determined that there was a breach in the Wells Fargo security and the bank determined I suffered from an account takeover. I reported again that these two transactions were fraud. The bank started an investigation and indicated that they determined they were legitimate transactions. I faxed a request for them to reconsider their decision and they reopened an investigation. In the meantime, I contacted the Wells Fargo fraud department and we determined that a " fraudulent '' fraud report was generated at the XXXX XXXX branch on X/XX/2017. The fraud report contained " fake '' fraud disputes of transactions of {$10.00} or less since XXXX 2017. These were legitimate charges. This is useful since I made credit card payments " validating '' these fake fraud disputes since XX/XX/XXXX. When the real fraud dispute occurred in XX/XX/XXXX, I had made no payment since XX/XX/XXXX ; however,  the history of making payment against " fraudulent '' fraud claims made the bank rule against me and forced me to honor the large transactions.The bank employee that filed the " fraudulent '' fraud report no longer works there. I believe she was part of the scam ( knowing the bank business rules about paying on disputed claims ) and Wells Fargo know this and wants to cover up by sticking me with the bill. Wells Fargo has refused to provide a copy of the fake fraud report generated on X/XX/2017. They also indicated in their rejection letter that no new information was made available. This is not true since we determined that fraud claims on transaction prior to X/XX/2017 were fake.

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 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted Transunion to get unauthorized inquiries removed from my report, I was told to contact the company who initiated it .... The company then told me that since there was no file / account with them that they had no record and could n't assist in the removal process. 

I received a copy of my credit report and the credit report show credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order These are the unauthorized inquiries I discovered on my report, please remove them immediately as my consent was not given for them to access my information. 

XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: Called Transunion 's automated credit freeze hotline ( the one published on both the FTC 's and Transunion 's site ) and followed menu instructions. Confirmed that the number dialed was correct. After entering requested information, the automated menu informed me that I needed to be connected with an agent. Instead of transferring me to an agent, it transferred me to an unrelated and XXXX explicit chat line. I hung up before determining much of what it was about, but it was definitely not a Transunion agent. 

I contacted Transunion and the representative at the call center was n't able to process a complaint or initiate an investigation and was unwilling or unable to escalate it. 

I am concerned that Transunion 's automated credit freeze hotline has been compromised by a third party and that the information I entered may have been stolen. At the very least, the hotline is not working properly and represents a problem for consumers.

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 07/26/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed an XXXX charge on my credit report first in XXXX and Equifax agreed and removed it from my account. The charge keeps showing up and I keep having to dispute it. Dispute confirmation numbers XXXX, XXXX, XXXX, and XXXX. Although the first XXXX disputes removed the charge from my account, the last XXXX was not. I do n't understand why Equifax kept allowing the same charge to keep showing up after I disputed and it was removed. Also, I do n't understand why the amount was removed XXXX times and the XXXX time they wo n't remove it.

Company response to consumer: Closed
Consumer complaint received 04/22/2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I am in the middle of a chap XXXXbk and have been making my payments ever month, however wells fargo has not applied any payments to my account from XXXX2014 until now. I have been calling every month and they will not tell me what is going on and why they can not tell me why they have not been applied. the funds are sitting in a holding account. so when i filed my taxes the interest paid was not correct. I have ask many times when the funds will be applied and they will only tell me that this is going on with more then just my account. currently they are holding XXXX in payments. Please help me to get this cleared up. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have submitted XXXX separate requests for loan consolidation and an income driven payment plan. The 1st request was submitted XXXX/XXXX/16 with all required documentation. Navient said the application 'timed out '. The second request was submitted XXXX/XXXX/16 with all required documentation and I can not even get a response as to whether the application was received or its status. Since the 1st application submission XXXX/XXXX/16 Navient has added {$13000.00} in interest and fees to my account. I have attempted multiple times to get someone on the phone without response.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (WA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I keep receiving notices from debt recovery solutions with harassing phone calls wanting to know my social security number and that I can be arrested. I have turned this spam fake company over several times for the same issues. This is not a debt that I owe and was part of a fraud. I lived in WA state for over 11 years and never received a debt from the company mentioned. I am again for the 5th time complaining about this company again. I do not want to see this fake debt on my credit report. Please act with aggressive behavior and ceased and decased this company to no longer sent me or call me regarding this debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I 'm unemployed and my debt is just piling up and piling up with no recourse. I have a low monthly payment but that keeps skyrocketing and because of this, my debt just keeps accumulating interest. I do n't know what to do or how to get out as they offer no solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hi I have tried to get Trans Union to remove inquiries from my account that were reinserted do to their consumer breach means they violated sec. 611 fcra act. INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Debt collection (Non-federal student loan) with Kirschenbaum & Phillips P.C (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A letter was sent to my brother regarding a debt that I owe. The collection agency gave him a copy of a subpoena, which I do n't think is valid. They identified themselves as debt collectors, trying to obtain information to collect a debt and included the amount of money they are trying to collect. I have all this information in writing in a letter addressed to my brother, who lives at a different address. There is a questionnaire to fill out and at the bottom it is threatening my brother with legal action against him. My brother in no way has anything to do with this loan, nor ever had anything to do with this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Credit card () with BARCLAYS BANK DELAWARE (AZ).
Issue: Credit line increase/decrease

Complaint: Between XXXX and XXXX 2015 Barclaycard lowered my credit limit in what appears to be a discriminatory practice since no credit terms had been violated. I have no 30 day lates and terms were honored on my end as a consumer yet my credit limit was lowered. This unfair practice resulted in a more adverse credit utilization metric.

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 10-04-2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (NY).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: Hello, I have a car loan with Ally Financial for my car loan, In the time that I have had the car which is a total of 15 months, if I am a day late with the payment I receive multiple phone calls a day and messages threatening for payment, I fell behind on my payments due to financial issues and called Ally on XX/XX/XXXX to discuss options on how to work out a payment arrangement and was told my vehicle was on a re-procession list and could be taken within the next few days. I took what money I had and with speaking to the customer service agent was told I could be put on a program to take 2 payments I was behind with and place them on the end of the loan and I could start making monthly payments without issues. I received the paperwork to be signed 8 days later in the mail and sent it back thinking all was fine like promised. On XX/XX/XXXX my roommate opens our door to our home to find a woman on the property taking pictures of the house, mailbox and my Vehicle a XXXX XXXX XXXX. She Said she was from Ally and was looking for myself and my roommate mentioned I was not home which was true. This woman did not belong on the property, nor asking questions or stating the matter of which she was looking for me to my roommate. It is against the Law and It needs to be said. I am very upset about this matter because I have done what is asked of me and I am still being harassed by a company that messed up their paperwork on their part not mine.

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 06-09-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm a victim of identity theft and the person try to open lots of accounts in my name leaving me with a lot of inquiry on my report. XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Continental Finance Company, LLC (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX I called card servicing for my XXXX and XXXX Cards continental finance. I made a payment on both cards prior to their due dates. On XX/XX/XXXX I received a credit alert that I had a delinquent account. After reviewing the alert I contact continental finance to advise that I made my payment. Instead of the customer service representative applying the payments as requested one to each account. They applied both payments to the XXXX Card. This happen to me in XX/XX/XXXX on the XXXX Card they claim that I missed a payment and have been reporting such. I suspect in this case they applied the payment to my mother 's account as I also call in payments for her account. I suspect that the same thing happened in this case. This behavior is unacceptable and could cause people to have damaged credit due to this types of mistakes.

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 12/20/2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My brother and I are XXXX and our names are very similar. His transactions are appearing on my credit report along with his name as an alias for myself

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Debt collection (Medical) with AR Resources, Inc. (FL) (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I keep receiving calls from AR Resources about a Medical debt and shows in my credit for {$340.00}. I 'm not aware of this debt and need more information

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Nationwide Credit & Collection, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: COLLECTOR FAILED TO VALIDATE SAID. I DO NOT OWN SAID DEBT AND KEEP ATTEMPTING TO COLLECT IN VIOLATION FCRA, FDCPA AND TCPA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 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: Account information incorrect

Complaint: This consumer complaint is filed because there is a negative credit item that was charge-off, but remains on my credit report beyond 7 years from the date of first delinquency. Any collection agency that may end up with the charged-off account must comply with that same Date Of First Delinquency. 

Be advised that a dispute was filed with XXXX, Transunion, and XXXX credit reporting agencies alleging that XXXX XXXX XXXX 's tradeline is being reported by XXXX XXXX beyond 7.5 years. See EXHIBIT-1 and 2. 

1. Between XXXX and XXXX XXXX XXXX XXXXXXXX reported to XXXX that the Date Of First Delinquency is XXXX XXXX. Accordingly, XXXX in response to my notice of dispute has removed all references to XXXX XXXX XXXX XXXX account number XXXX, in compliance with FCRA. 
2. However, TransUnion and XXXX declined to remove the negative account as required by the FCRA 7.5 year requirement. Therefore, we ask the CFPB Tribunal to compel Transunion, and XXXX to reconcile my credit file as to account number XXXX to be consistent with that of XXXX. 
3. XXXX XXXX XXXXXXXX sold account number XXXX to XXXX XXXX as of XXXX/XXXX/XXXX which clearly state the intent of XXXX XXXX XXXXXXXX and its expressed date of first delinquency as " XXXX XXXX '' which also applies to XXXX XXXX account number XXXX as well. 

4. XXXX XXXX has changed the Date Of First Delinquency by erroneously suggesting and reporting to the CRA 's that a loan modification has taken place between XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX. No such modification occurred as XXXX has correctly reported, the XXXX is ( XXXX XXXX ). 

5. Be advised that the original creditor, XXXX XXXX XXXXXXXX 's tradeline no longer appears on the same credit report that the collection agency, XXXX XXXX 's tradeline appears on. 

6. The account has been illegally re-aged. Under no circumstances should a collection account for a debt remain on a credit report after the original creditor 's tradeline has aged off the report. The reporting period applies to both the original creditor and its collectors simultaneously. If no original creditor on any of your credit reports matches the collection account, the debt has been re-aged.

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 05/20/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received an email from  XXXX  saying that a new negative debt had been posted to my   XXXX    Credit Report by TransWorld Systems INC. I checked with both the original debtor and the  XXXX   XXXX   XXXX  with whom I have already been working to pay this debt. Neither have ever heard of  XXXX  or has any affiliation with them.     They posted  XXXX   (  XXXX  ) d ifferent accounts on my report allegedly from the same debtor as well. This is also false according to the original debtor,  XXXX   XXXX   XXXX   XXXX  in  XXXX  Texas.

Company response to consumer: Closed with explanation