milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There are several things wrong with my Transunion Credit Report and I have tried on several occasions to correct them to no avail!! 

Incorrect addresses on my report : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX There are accounts on my report that are not mine ; fraudulent accounts and I have disputed these several times and asked for validation/verification, but nothing is done. 
XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX  Balance {$640.00} Opened XX/XX/XXXX *Collection Account* XXXX XXXX XXXX {$6000.00} Opened XX/XX/XXXX original account XXXX XXXX XXXX XXXX XXXX There are 2 public records being reported. I have asked to have these accounts verified and documentation sent to me. I contacted the courts and they do not verify this information. This needs to be removed immediately : Chapter XXXX Bankruptcy ( dismissed ) Date filed XX/XX/XXXX {$0.00} Chapter XXXX Bankruptcy ( discharged ) Date filed XX/XX/XXXX {$0.00}

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 11/16/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I really need your help because at this point I do n't know where to turn. I opened the mail and I saw XXXX letters. XXXX from XXXX credit bureaus. I felt that there was wrong information on my credit report so I challenged them. But what struck me was that the other bureaus removed the information I challenged. 
For some reason your company did not remove it. I 'm a little confused here. How is it that the other bureaus removed the inaccurate information and your company did not? I thought you were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other bureaus, then why would they not do the same with your company? Are you sure you contacted them because this inaccurate information is stopping me from getting approved for credit, and I 'm starting to get upset. Believe me, it takes a lot to get me upset. I think your company made a mistake with this account given the fact that the other bureaus found that these accounts were inaccurate. Now, I 'm not a complainer, but I do need this fixed. I need this error resolved immediately. I was told that if errors are not fixed, then I can complain to the FTC about your company. 
Please remove this account

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (NC).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I recently filed a complaint regarding this company and the way they handled the decrease of my credit line. I contacted them regarding mishandled payments on my account by the bill pay company and they did not inform me that they were going to lower my credit limit even though they refunded the late fee. I could have provided information from the bill pay company to support my claim that this was their error and not mine. I had 9 months of no missed or late payments. I contacted the credit card companiy 's service department where I was told the account was open and not closed. When I filed my complaint, they closed 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 12/14/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (PA).
Issue: Fraud or scam

Complaint: i had $XXXX added to my paypal account on monday XX/XX/17 and paypal refuses to release my money to my account after telling me everyday what i have to do to receive it which ive done everything and they still will not help me receive my money everyone ive talked to have lied to me just enough to get me off the phone or hang up on me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 03-10-2017 about Debt collection (Federal student loan) with GC Services Limited Partnership (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter saying I owe a student loan and must send the amount to them.The letter used the XXXX XXXX XXXX XXXX. but did not indicate who is the servicer who gave them the authority to collect for them. I called the number of the collection agency and the person on the phone said it was a student loan for my daughter XXXX yrs ago in my former married name, ( I 've been divorced since and use my maiden name now ) and its defaulted loan. The person on the phone said that I can make payment arrangement based from my income and budget, as low as XXXX dollars a mo. in order for the debt to be out of defaulted status. I was skeptical, but I answered all personal questions including where I worked, how much I make, even my budget etc ... since I barely have money left for food expenses, he said I qualify for XXXX dollars a month. I thanked the person and I said give me the website where I can pay online. He said that their program is only for automatic payment and I need to give my bank acct or debit card to pay the XXXX $ monthly payment. I got nervous and I told him that I will call him back in the morning and I got his name and ext number. The following day I researched and make calls and with the help of the account number on the letter the collection agency sent me, I found out that this so called defaulted loan, has zero balance. That 's why it was not even in my credit report, and I do check my credit score every month, and my credit report at least every 6 mos. So I blocked the collection agency 's phone number to stop them from calling me. They have been calling me and leaving messages, even using local phone number to trick me to answer their call. After 15 days of the original debt collection letter, I received again XXXX letters back to back in 2 days, same exact letter, but the balance owed is more but with same loan account number. So I decided to report them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed with transunion about accounts that did not belong to me and asked for an investigation. The investigation took over 30 days to complete and the results were the same which suggests that the investigation was incomplete.

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 08/27/2016 about Debt collection (Medical) with Medical Business Bureau (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have already disputed the amount this company is attempting to collect from me. I do not owe this amount since my insurance paid for the very same claim this people are trying to collect on. I need them to prove what they are saying, and I need them to stop their harassment. 

I waited over 2 months to take on the treatment, because I was not able to take it until it was approved and paid by insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Memorandum of understanding : A response to Ditech 's Action XX/XX/2017 Dear Sir/Madam : In response, " Ditech '' letter stating my modification request is " denied, '' is acknowledged receipt. 
In reflection, I have this to say : Ditech failed to postulate with data what requested document/s that was requested that did not meet their " modification rubric/bench-marks. Also, failing to provide facts on the " Federal H.A.R.P program '' vs that of " the Ditech modification program and also the investor that owns your loan '' policy and premise for " denial '' in its self is predacious.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: THIS ACCOUNT HAS BEEN REPORTING ON MY CREDIT REPORT FOR 7 YEARS AND I AM TRYING TO GET A HOUSE FOR MY FAMILY, THIS IS PREVENTING ME FROM IT, AND I WOULD LIKE BASED ON THE LAWS THAT PROTECT ME TO HAVE THIS ACCOUNT DELETED FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are several things listed which are NOT mine. TransUnion has my information merged with someone else. This has GOT TO STOP XXXX XXXX XXXX XXXX NOT MINE XXXX XXXX NEVER HAD XXXX NOT MINE XXXX XXXX XXXX ACCOUNTS XXXX, XXXX, XXXX NEVER EVEN BEEN TO THIS HOSPITAL REMOVE

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 01-03-2017 about Payday loan () with Big Picture Loans, LLC (NC).
Issue: Charged fees or interest I didn't expect

Complaint: I received a {$750.00} loan and was led to believe that {$260.00} was going to be paid each month but instead they are debiting {$260.00} bi-weekly which I never would have agreed to and am not able to do this. They were very deceptive. 

Also, they never mentioned that the APR was 787 % which is unreal. I feel that I was deceived and never would have agreed to this loan had I known all of the facts up front

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Debt collection (Non-federal student loan) with Keith D. Weiner & Associates Co., L.P.A. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My story is similar to some I 've read. Around or about XXXX XXXX I received an letter to avoid a garnishment, which I faxed on XXXX XXXX. That was the last time I heard from Keith Weiner & Association. Until XXXX XXXX my employer sent notification of garnishment to be effective for XX/XX/XXXX first garnishment payment being withheld. I contacted the paralegal specialist advising I was blindsided by this garnishment and the amount of {$230.00} XXXX would cause a hardship for me and my children being I 'm a single parent and sole provider of XXXX. The paralegal specialist informed me at this point the only option I had was to go to court and request for a hearing. To avoid any more attention to this garnishment and even more the embarrassment I did n't challenge the garnishment amount so for the next XXXX months XXXX was withheld biweekly until the final payment was made XX/XX/XXXX satisfying the debt of {$1100.00} to XXXX XXXX XXXX XXXX XXXX of Ohio represented by Keith Weiner & Associates for collections. XXXX XXXX totaling {$1100.00} XXXX XXXX.Sometime in XX/XX/XXXX I received a notification for Keith Weiner office stating there was a balance of {$470.00} due for interest I called XXXX XXXX who is extremely rude. I tried to explain XXXX XXXX I would send the all if my pay statements showing this was satisfied paid in full on XX/XX/XXXX a final payment letter was sent to Weiner from my employe on XX/XX/XXXX as well. XXXX told me he did care what I had I still owed {$470.00} I asked how {$1100.00} was garnished by court order and that he was going to garnishment me again. I pleaded with him not to do so knowing the debt was satisfied and I could provide proof to XXXX XXXX he stated he did n't want any proof. I hung up very frustrated never receiving any other notification regarding another garnishment. Until I came back to work being out on XXXX for over XXXX weeks. XX/XX/XXXX garnished again by Weiner first payment on XX/XX/XXXX for the XXXX time for an additional {$470.00} in addition to the {$1100.00} with held XXXX XXXX. With the additional amount Totaling {$1600.00} causing and overpayment of {$470.00}. I contacted Weiner requesting my money back and XXXX stating I 'm not getting anything back I have all the cashed cancelled checks and now seeking legal guidance in this matter I 'm in jeopardy of losing my house this has caused XXXX, financial hardship humiliation as well as my reputation at Work.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Debt collection (Medical debt) with AR Resources, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received an alert on my credit report that I have an account placed in collections. It said for AR Resources. It says it was opened on XX/XX/2017 yet I received absolutely no communication from this company about this alleged debt giving me no time to dispute the validity of it or even pay before it hit my credit report if it was in fact valid. Under the fair credit act I am allowed 30 days upon receipt of a collections letter to dispute but with no communication from the collector how was I able to dispute? My rights were not given to me and clearly violated.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with South West Recovery, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Southwest Recovery Services ( https : //swrecovery.com/ ) has been repeatedly calling me about giving them a credit card number for a debt that has already been settled in full with XXXX. I moved my service and long story short - XXXX created a separate account and started billing me on the new account but a small amount ( {$100.00} ) was outstanding on the original account. When they made me aware of it, I paid it immediately. ( I HAVE NEVER BEEN LATE ON ANY PAYMENTS MY WHOLE LIFE - EVER! ). 
SW credit has been sent both documentation and told several times on the phone about the settlement of this debt. I have also gotten a SW credit rep on the phone with time warner to explain that the debt is settled in full. However, they continue to harass me and have a collection on my credit report for this. PLEASE HELP.

Company response to consumer: Untimely response
Consumer complaint received 04-03-2017 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I had previously submitted a complaint against National Collegiate Trust ( NCT ), as i was unable to find out any information on the XXXX student loans they were servicing. They reported that they had the loans in their response to my complaint. However, when i contacted them again, they stated they did not have the loans. Now, I am being contacted by a debt collections agency for payment in full of {$26000.00} for these loans. NCT never gave me the opportunity to make payments after my bankruptcy ended in XX/XX/2016 before the loans were sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Retrieval Masters has contacted me repeatedly over the past 6 months attempting to collect a debt they say I owe. Each time they have sent me a letter or called me I have asked them to provide evidence and proof the debt is mine. They have responded three different times they will do so, however they have not provided evidence even once. I believe this company is a fraud and scammers and the debt does not exist as they have not been able to provide one single piece of evidence showing the debt is actually real and legitimate. I would like this company to immediately stop contacting me as they are trying to steal money as this debt is not valid. There should be a governing body that fines harassing and illegitimate companies such as Retrieval Masters. If my credit is effected by this scam company I should receive restitution ( I will seek legal council in this matter ) and they should be barred from contacting any consumer. Their practices should be heavily reviewed because they are in fact breaking the law by ignoring my right to have them provide evidence before contacting me again and refusing that request and have become more harassing.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NY).
Issue: Settlement process and costs

Complaint: I had a condo in the XXXX units complex which was burned down 3 years ago including the entire complex. 
By the time of the fire my outstanding mortgage was {$25000.00}. I had the home owner insurance and after the fire the insurance company sent me a check for {$25000.00} which I sent to the mortgage company. They applied this amount toward the interest and other fees and the remaining to my principal which left me with outstanding balance of {$12000.00}. XXXX years ago, the mortgage company put a foreclose on this property, but they never completed the foreclose process because there is nothing to take. I 'm stuck in this status which ruins my cred history. I spoke with the mortgage company so many times, but the loan owns by Fannie Mae and they do n't want to settle my case or forgive the remaining balance. What should I do and how can I complete the foreclose process and start to recover my credit history? 
Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 08/22/2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: After reviewing my Experian credit report I was very concerned to realize that I had XXXX negative listed that are all medical from the same company XXXX XXXX with the original debtor showing XXXX. I immediately contacted XXXX and was told they did not have any services rendered to me with a balance owed ( I am including documentation ). This leads me to believe either this is a matter of identity theft or someone else 's information reporting to my report. I have struggled to navigate through the muddy water of removing medical debt inaccuracies on my credit report which continue the negatively impact my overall credit. I have never received any communication from XXXX XXXX stating that I owe the debt nor have they legally validated the debt after several disputes with them as well as Experian. I have had continuous medical insurance with my employer since XXXX through XXXX as well as dual coverage from my husband which is a XXXX service member through XXXX XXXX. This is also validated through XXXX the original debtor which I am including in documents. I have disputed the validity of this debt with Experian and XXXX XXXX multiple times. I do n't know how Experian Or XXXX would accurately or fairly verify the accuracy of this debt and still remain within HIPPA guidelines. XXXX was unable to validate anything was owed which I am attaching Billing info as documentation. I am including my history with XXXX, My Insurance Info and everything else that should allow Experian the promptly remove these inaccuracies from my report All account posted to credit bureau on the same day. 
XXXX XXXX XXXX/XXXX/XXXX {$3900.00} Origianl Debtor XXXX XXXX XXXX/XXXX/XXXX {$2500.00} Origianl Debtor XXXX XXXX XXXX/XXXX/XXXX {$460.00} Origianl Debtor 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