milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My credit report states that I owe {$400.00} to XXXX. I have n't had an account with XXXX in over 7 years, nor did I owe them money when the service was transfered to the new tenant in the building the service was being provided to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of fraud and I have been trying to get the creditors listed below to the fraudulent accounts below, that I did not open. I have submitted a ; police report, FTC report and provided proper ID and these companies still refuse to remove the accounts out of my name. 

1. XXXX ( I DID NOT OPEN THIS ACCOUNT ) 2. SYNCB/WALMART ( I DID NOT OPEN THIS ACCOUNT ) 3. XXXX XXXX XXXX XXXX ( I DID NOT OPEN THIS 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 04/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX XXXX, XXXX, NC XXXX Home has been sitting vacant, with no one maintaining it or paying Association assessments.

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 12-05-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Unsolicited issuance of credit card

Complaint: On XXXX XXXX, 2016, I received a XXXX XXXX XXXX Card from Chase in the mail -- WHICH I NEVER APPLIED FOR. The very next day, I called Chase to close the account and find out how this happened. They told me that I had applied for it on XXXX XXXX, 2016 and was approved right away. I fear that either I have been the victim of identity theft, or someone who works at Chase somehow accessed my personal information fraudulently in order to open an account in my name. I had to take time out of my busy life to put a security alert on my credit file and investigate this further.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: My credit monitoring service reported a negative change with Experian. Since my credit score is normally around XXXX i take my credit very seriously. Right away i filed a dispute with Experian online XXXX advising the account is not mine as i dont know the creditor nor do i have knowledge of any business with that entity nor ever received any bills. On XXXX Experian emailed me to advise the item remains on my credit report. Surprised, i called the company reporting the item. They quickly verified the item does not belong to me based on my SSN and DOB. I provided the contact name and extension as well as the info from the creditor they used to verify the account is not mine to Experian via phone on XXXX/XXXX/2016 to XXXX in their XXXX. She re-opened the dispute. I just got back the results today advising the item remains. How is that possible when i already verified with the creditor they show reporting the item, as well as provided details of whom there verified it is NOT my account. Experian is not doing their job properly and i need this item removed from my credit report. Experian has my SSN and DOB. Why cant they compare that against what its being reported and determine it is indeed not my 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 10-09-2016 about Student loan (Non-federal student loan) with ACS Education Services (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My wife and I did borrow to help pay for our XXXX sons ' college tuition. The collection of some of those loans have passed from XXXX to XXXX or XXXX servicing companies. One batch is now services by ACS ( a XXXX company ). We have paid {$210.00} monthly for several years. But I noticed on the last statement there is no cumulative accounting of what we have paid in principal and interest. I did notice that they say the outstanding principal balance is {$10000.00}. That seems very high. Particularly when I know we have nearly paid off in full another group of loans administered through XXXX XXXX XXXX XXXX. 
The account number on the ACS loan is XXXX. 
I would welcome your suggestions as to how I should proceed. I am reluctant to go to ACS 's customer service folks until I do some research on their track record. 
Also, I noticed this story from XX/XX/XXXX. 
XXXX You can reach me at XXXXXXXXXXXX or XXXXXXXXXXXX Thank you, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, MI XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I called Transunion and customer service would not help and take care of the negative inquiries reporting to my credit report after I informed them that I am a VICTIM of their " inquiry glitch issue '' and now these inquiries have greatly impacted my credit score in the worst way. 
1 ) Inquiry Date XX/XX/XXXX- XXXX 2 ) Inquiry Date XX/XX/XXXX- XXXX XXXX ) Inquiry Date XX/XX/XXXX- XXXX 4 ) Inquiry Date XX/XX/XXXX- XXXX 5 ) Inquiry Date XX/XX/XXXX- XXXX XXXX 6 ) Inquiry Date XX/XX/XXXX- XXXX XXXX XXXX XXXX ) Inquiry Date 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 10/31/2015 about Debt collection (Credit card) with Colony Brands, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: While reviewing my credit report, I noticed that a collection has been reported on my file by XXXX. 
However, I respectfully dispute the validity of the debt.I request validation of this debt as required under Fair Debt Collection Act ( 15 USC 1692g ), and also, I am requesting that XXXX., provide me with all verifiable evidence, including but not limited to signed documentation by me obligating me to this unpaid invoices. 
Furthermore, I request that the Agency provide me with the name and address of the original creditor if the creditor is not the one listed above. 
To this extent, upon belief and information, this account is as a direct result of ID THEFT, as such I am not liable to the debt. I never signed or consented in anyway to this debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (FL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I was notifi ed by care credit that my min. payment owed was {$200.00}! I understand that i did not pay off the {$1 000.00} dollars in a year, But i never missed a min. Payment in that year.Why in the world is my Min. now {$200.00}? I did not know this would happen, no one called me at the beginning to inform me of these changes.I am now paying {$35.00} a month, That is all i can afford! I received a very nasty phone call from one of their rep 's, telling me in no certain terms that we need to go ahead an take care of this NOW! I do not want any trouble, I always try to come to some kind of agreement. I really do n't appreciate the tone i was talked to in, I found it to be very rude! Is there any way i can get some kind of help dealing with this situation?

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 monetary relief
Consumer complaint received 04/18/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: As of recent, I have been advised by Equifax that they have revoked my online access for disputes or access to my credit report. Unfortunately, I feel that this is retaliation from my previous disputes for Equifax not following the proper guidelines when it comes to handling disputes. I have been advised that my credit file is currently being handled by Consumer Affairs and they are the only ones who have access to my credit file. They have done unauthorized disputes and added unauthorized alerts to my credit file and I have been given a hard time when attempting to request them to remove the alert. They say that they have removed it but I have no proof yet. I also sent them documentation from a creditor  XXXX   XXXX   XXXX  to have the  XXXX  listings removed from my credit report and they have done another dispute that I did not ask to be done. Equifax alledges that they performed a re-investigation for the  XXXX  account  XXXX  that is still currently on my credit report. I sent them documentation from the company that the account was sold t o (   XXXX   XXXX   XXXX   )  as well  XXXX  advising that they sold the account. The account has been removed from all credit bureaus except Equifax. I feel that I am being treated unfairly and retaliated against since I made complaints against them. Each time I call I am given the run around and sometimes hung up on. I am told to ask for the department by name as they have no direct contact number. I have called during business hours and have not been able to get assistance. I have had representatives tell me there is no one else to speak with. I have been told things such as your file will be with consumer affairs indefinitely and that they ca n't provide any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Mortgage (FHA mortgage) with Seterus, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: To whom it may concern, I am writing in regards to my mortgage loan being transferred to Seterus and was given less than 2 weeks noticed and now Seterus says they can not inform me of any information regarding my account. I received a letter from XXXX on XXXX XXXX telling me that my loan will be serviced by Seterus on XXXX XXXX. Today is XXXX XXXX and I called Seterus and was told that they could n't give me any information regarding my loan. They said that they have over a XXXX clients and that they were still working on my loan. When I attempted to ask a question, the representative said " not to speak over him and to let him talk. '' At that point, I asked to speak to a manager. When I asked to speak to a manager, I was told that the wait would be extensive. So, I asked " what is an extensive wait time. '' The representative said it would be 10 to 15 minutes, so I told the representative that I would wait. The representatives put me on hold and came back on the phone and said, the manager will not be able to give me any information about my loan so I do n't need to wait because I just have to wait for my welcome packed in the mail. Now these are my questions, how come the Seterus could n't give me any information about my account when I was told by XXXX that all my questions or concerns would be answered by Seterus since my loan was transferred over. How come the Rep was so rude and could n't get me a manager on the phone and tell me anything about my account, how much I owed, when was my next payment. This sounds very fishy and I do n't want my loan account with Seterus. 
The reason why this is important is because I am in the midst of selling my apt and have a potential selling date by XXXX XXXX and have an additional fee that I owe for the sell of the apt that will be paid at the time of the closing and I do n't want to see surprising fees from Seterus. I need to know what my payments are now so that there are no surprises at the time of the closing. As a consumer, if my loan is transferred to Seterus, Seterus should have all the information ready for me when I called and not give me the run around and then say a manager is not available and that they can not access my loan information. Right now this is frustrating as I need this information. What are my rights as a consumer in regards to getting this information without having to wait for a welcome packets from Seterus. My other question is, " why is did XXXX Bank transfer my loan to a new company and I have no say about the transfer. Why did XXXX Bank wait less than 2 weeks to inform me about this transfer. '' My account number with Seterus is XXXX and their phone number is XXXX. My loan number with XXXX Bank was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (Medical) with Renton Collections Inc. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: After reviewing my credit report I saw that I owe Renton Collections for a dental bill that had went into collections. The amount stated is {$280.00}. I called Friday XXXX XXXX asking if they would do a settlement on what I owe. I was told no that I owe {$280.00} and I could either pay that full amount or make two payments of {$140.00}. I said okay I will talk with my husband and see what I can pay and call back. Three business days later I called back to go ahead and just pay the full amount of {$280.00}. I was then told by the guy, XXXX XXXX, that I owe {$420.00}. To my surprise, I said what?, I just called friday and was told that I owe {$280.00} and that I can pay it in full or make two payments of {$140.00} and that they do n't do settlements. I said yes I got that but why did it go from {$280.00} to {$420.00} in three days? He says interest. I then said okay I need to figure something out then. I called back an hour later and asked to speak to a supervisor. Her name was XXXX XXXX, I explained to her my XXXX conversations with the previous agents and she then tells me I owe {$480.00}. I 'm trying to ask about how it went from {$280.00} to {$420.00} and then to {$480.00} all in three business days and she says I must have my numbers wrong and kept bringing up the fact they do n't do settlements. I kept stating, I know that, I want to know why the balance has changed so much. She did not want to answer my direct question why the difference. I got so frustrated I just hung up. It 's upsetting that they treat customers who are trying to pay off a debt now that they 're able to.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My previous complaints were delayed, ignored and not addressed by wells fargo. I received a call today and they wanted financial documents ( application and denial letter ) from another mortgage company. These documents are not needed. The criminal sales practices by XXXX XXXX XXXX are the issues here.

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 05-08-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am the author and owner of all communications within this complaint. I do not agree to allow this complaint to be managed outside of the portal. 

My Credit report currently has " XXXX '' reporting inaccurately, and in an incorrect manner. 

I dispute the validity of this account/Tradeline. 

1. The " Type of Account '' says NA, and should be " Revolving/Option '' 2. There is no Payment History in this account - and there should be as this account was opened for over 13 years 3. There is no Balance History in this account - and there should be as this account was opened for over 13 years 4. Because this account has no Payment History, please verify its Status/Major Delinquency date 5. Because this account has no Balance History, please verify its Status/Major Delinquency date 6. This account has no Activity Designator, and should as this account is Closed 7. FCRA states that this account must have a balance of XXXX, and this field is blank, please correct this information. 
There are no Terms in this account, and it was Monthly - please correct this information. 

Please validate this Tradeline, and resolve the errors - or Delete this account. 

Please provide a printed report, when resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: The company Convergant is attempting to collect a debt which was discharged on XXXX XXXX, 2010 in my Chapter XXXX bankruptcy. The debt from the original debtor XXXX is no longer owed.

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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Cap One- XX/XX/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- XX/XX/XXXX Cap One- XX/XX/XXXX A computer glitch that was XXXX 's problem - not mine - caused my inquiries ( most were fraudulent and unauthorized ) to be deleted. Which they did not remove after I told them they were fraud. I just had paid off my car so why would I purchase another one? XXXX later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted XXXX in good faith to ask them to delete the inquiries that they had illegally re-added. I explained that these inquiries add a hardship and that my rights were violated by XXXX. Im asking CFPB to help my make XXXX stop victimizing me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Debt collection (Federal student loan) with Radius Global Solutions LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I DO NOT KNOW WHO : CENTRAL CREDIT SERVICE ACCT XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX, FL XXXX I CALLD BUT SOME MALE FROM SOME XXXX PICKED UP TRYING TO ASK FOR MY PERSONAL INFO. 

THIS IS A HUGE SCAM!!!!!!!!

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 04-05-2016 about Debt collection (I do not know) with Receivables Performance Management, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been getting calls for months from a company called receivable performance management. They are calling to retrieve a debt for someone I do n't even know. I have told them many times to remove my number and do not call anymore. They said they would but continue to call many times everyday. They are very rude and usually hang up on me when I try to explain the situation.

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 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/XX/XXXX : My credit score is a XXXX and I purchase a pair of socks from XXXX XXXX to help try to boost my score and get some activity going on the card. 

XX/XX/XXXX : XXXX XXXX XXXX sent me a statement in the mail that I never received indicating that I had charges and a balance on my account. 

XX/XX/XXXX : XXXX XXXX XXXX supposedly sends out another mailing statement indicating that I have an outstanding balance. My credit score drops 100 points. However, they include a number of hidden fees and charges. 

XX/XX/XXXX : Contacted XXXX XXXX to see if they could remove the past due delinquencies from my history and they tell me that they can not.

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 03/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: there is a XXXX XXXX account on my credit report that does not belong to me. I have attem have attempted to dispute several times to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2018 about Debt collection (Other debt) with Key 2 Recovery, Inc. (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have a remaining balance of {$3600.00} on a school bill I paid out of pocket for. Months ago, in fact almost a year ago I was contacted by Key 2 Recovery for this balance which was originally XXXX.. I have paid {$100.00} to {$250.00} a month since being contacted. At this time the past few months I have paid {$150.00} a month with no missed payments. And now they are calling me trying to state that even though the account is current and is being paid some how they state I have a hardship now against me. They are wanting me to pay a large lump some of money more then what I am paying now. File # XXXX this again is through Key 2 Recovery and the girl that is handling my account at this collection agency is named XXXX who can be reached at extension XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation