milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Wrote TransUnion letter on XXXX, and advised them that I am a victim of XXXX data security breach inquiries on file are a result of the XXXX data security breach. XXXX never responded to me, and I called several times and was on hold for over XXXX minutes.

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 07/13/2016 about Mortgage (FHA mortgage) with Selene Finance LP (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Selene Finance refuses to engage in loss mitigation options with me. I am willing to do a short sale and or a loan modification. They also refused to validate the debt. I have a foreclosure sale date scheduled for this Friday, XXXX XXXX, 2016. I need time to work my options out with the bank and need the CFPB to intervene because Selene Finance has been reluctant to assist. I have an FHA MORTGAGE AND WAS NEVER PRESENTED THE OPPORTUNITY WITH A FACE TO FACE MEETING WITH A HUD COUNSELOR AS FEDERAL LAW REQUIRES THEM TO AND AS WELL AS MY MORTGAGE CONTRACT.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: After reviewing my credit report I noticed incorrect accounts that were negatively reflecting on my report hindering me from obtaining and sustaining proper living conditions for me and my family. By them not properly and accurately verifying accounts they are violating me and breaking the law by not following the FCRA. I have included another letter in the attachments that you can provide them to remove accounts and delete all unauthorized inquires from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a medical collection posted on my credit report from Commonwealth Financial Systems ( CFS ). The debt is not mine. I have contacted CFS to verify the debt. I requested to be provided with a proof that this debt belongs to me, as any accounts I might have had are obsolete. They did not provide me with any document or evidence that this debt is mine. Under HIPAA privacy laws CFS should not have any of my personal medical information, unless they have a " written '' agreement with the original creditor to collect debt on their behalf. I have called CFS several times and I have send certified letter requesting to cease and deceit from reporting incorrect and false information to the credit report agency. CFS have not responded to any letters I have send to them. Commonwealth Financial Systems continues to report false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Debt collection (Credit card debt) with Alliance Data Card Services (MD).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: XXXX XXXX has insisted on calling my elderly parents, my boyfriend, my sister and my work number to harass me and anyone who answers. They refuse to make contact by my home phone ( which is the ONLY number I have ever provided to them in regards to my accounts. ) I have notified them in writing and via telephone to refrain from calling my friends and relatives and work number yet they persist at all hours of the day and night. Please make these people stop searching for my family and friends. Please make these people stop harassing everyone I love or even know. Please make them refrain from revealing my personal information. There has got to be a way to end this persistent and ongoing pattern of humiliation and harassment. It must be illegal to refuse to call my phone and instead seek to get me fired, upset my parents, annoy my sister and boyfriend. Do I need to file a lawsuit? Can you fine them for this pervasive and ongoing systematic harassment? Please help! Should they deny that I have contacted them, I do have documentation of emails and proof of receipt of messages to XXXX via XXXX XXXX XXXX and XXXX XXXX. I also have a telephone log of proven harassment of my parents, sister, boyfriend and business number. They just wo n't stop ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am not able to choose the payment date for automatic payments on my student loans, leading to extra XXXX in loan interest during the year. The automatic payments default to the payment due date, and does not allow me to change the date. I am able to make payments before then and loans therefore incur a full month of interest that can be avoided. If I were not signed up for automatic payments, I would make payments early enough where I would incur a fraction of the accrued interest.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Credit card () with SYNCHRONY FINANCIAL (PR).
Issue: Billing disputes

Complaint: I WAS ADVISED TO BUY XXXX PARTS FOR THE JUICER THAT I NEEDED AS PART OF MY DIET FROM AMAZON FOR MY NUTIRBULLETS, THOUGH, BOTH NUTRIBULLET PARTS ARE THE WRONG SIZE FOR MY SMALL XXXX DEVICE AND WAS TOLD BY AMAZON.COM THAT THEY WILL SEND ME A RETURN PRE-PAID ENVELOPE TO RETUNR THE PART AND THE OTHER PART WAS FOR A REPLACEMENT BLADE GEAR OF A NUTRIBULLET, THAT I NEEDED TO BUY TO KEEP DOING MY DIET DRINKS AND RECIPES AS I HAD RECEIVED THE WRONG PART. 
THE BLADE GEAR IS THE WRONG SIZE, WHEREAS THE SHARP BLADE FOR THE SMALL NUTRIBULLET WAS NOT THE PART THAT I NEEDED. I ACTUALLY NEEDED THE BASE. BOTH PARTS WERE THE WRONG PARTS FOR THE NUTRI-BULLTES AND I HAD PURCHASED THEM THROUGH AMAZON CREDIT CARD. I HAD CONTACTED AMAZON AND THEY DID NOT REFUD ME NOR REPLACE THE PARTS AS I WILL LIKE THEM TO.

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 12/17/2015 about Debt collection (Payday loan) with SECURITY FINANCE CORP (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was in Jail at the time that this loan was taken out so i do n't know how I am anyway liable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I don't know where else to turn so I am hoping your company could possibly help me. The credit reporting agencies XXXX, XXXX and Experian are reporting information on my credit file that I believe to be past the statue of limitations. I have disputed it directly with all three bureaus and requested information directly from the companies in question but no one is providing me detailed information so I do hope by your company stepping in I can get clarification on several accounts. I really need your help and I would truly appreciate anything your company can do to get this resolved.

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 02/13/2018 about Debt collection (Credit card debt) with ABR Recovery Services LLC. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: ABR Recovery Services continually harasses me and places false information on my credit report. 

I previously filed multiple complaints against ABR Recovery Services : Complaints XXXX, XXXX, XXXX. 

ABR Recovery Services claims I owed them a debt that I had already settled and paid with another creditor, XXXX XXXX. I submitted this paperwork directly to ABR Recovery Services and all the major credit reporting agencies in XXXX and XX/XX/XXXX.ABR Recovery Services removed the reporting to the credit bureaus and multiple attempts. 

To my dismay on XX/XX/ I received a credit alert stating I had a new collection account placed on my XXXX  report from ABR Recovery Services. I immediately called XXXX  to dispute this. They have been no help. 

I am tired of being harassed by this company. This is the third time that they have violated my rights under the Fair Credit Reporting Act. 

I demand that they quit reporting false information and remove any reports of the account they have. I believe this company should be served a penalty for continued harassment and cause citizens duress.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 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: the Credit Reporting Agency, reported damaging information on my credit report and that my rights have been abrogated. I would like to see evidence that this information belongs on my report and In the event that no record exists, please delete this damaging information. 
Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX 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 07-07-2015 about Credit card () with Kirschenbaum & Phillips P.C (OH).
Issue: Billing disputes

Complaint: Attached is a copy of a Collection Letter received by myself. Virtually Simultaneous to the mailing of this letter, which by law is to permit an answer by defendant within 30 days to any disputes of debt or any portion of it, to gather whatever evidence the defendant might have or to seek legal advice and discuss any remedies to alleged debt, the Alleged Creditor thru their Attorney in Violation of various Creditor and Debtor Laws including but not limited to the Fair Debt Collection Practices Act the Collection Company filed a complaint with the court. 
I attempted to contact the Collection Companies Attorneys of record on several occasions including XXXX XXXX, 2015 and XXXX/XXXX/2015 to discuss first and foremost the violations of various Creditor and Debtor Laws including but not limited to the Fair Debt Collection Practices Act as well as the alleged debt and on both occasions was told a different amount was owed $ XXXX than in the complaint and that XXXX of the attorney 's would reach out that day or the next or in the case of the XXXX XXXX call the next day or at that very latest XXXX XXXX to discuss the violations and the alleged debt. In neither case did this occur. In fact in further violation of various Creditor and Debtor Laws including but not limited to the Fair Debt Collection Practices Act a letter dated XXXX XXXX, 2015 was sent to me stating that I had instead of notifying them of violation of various Creditor and Debtor Laws including but not limited to the Fair Debt Collection Practices Act, that I was in fact merely calling to dispute the debt, continuing to use the fruits from their poisonous tree to further their own case, and attempt to protect and insulate themselves from ongoing violations of various Creditor and Debtor Laws including but not limited to the Fair Debt Collection Practices Act. 
In addition it appears my own research that any alleged debt that might exist is not with this Creditor as I can not get alleged original creditor to verify that XXXX is the creditor of record. The only references of record that I 've been able to get via XXXX number references are a company called XXXX Capital that then referenced a company called XXXX. As such there is certainly the peril that if I were to make any arrangement with this Collection Company that additional alleged creditors could present themselves at a future date. The presentation of copies of alleged statements from the original creditor in possession of Collection Company does not constitute a legal ownership of alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Prepaid card (General purpose card) with NETSPEND CORPORATION (NV).
Issue: Fraud or scam

Complaint: well, i cash my income tex check with XXXX XXXX in 2008 i put the sum of XXXX dollars a cuple weeks after with XXXX XXXX and netspend was the card holder at that time, well i was told that the card would be sent to the address i was staying at, well i ended up moving before the card came, so i went to the place where i was staying at and talk to one of the guys who work there and he said that a card came but he sent it back to the sender where the card came from. so i went to the place where i put my money at and they told me that they didnt have any paper work on or about my money or anything showing about what or how much money i put in that i would have to talk to netspend, well i talk to netspend and they lie, d about every thing, i know what i did and how much money they owe me, and if i dont get my money real soon im going to sue them i talk to my lawyer yester day. thank you XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: RECEIVABLES PERFORMANCE  XXXX   XXXX   XXXX   XXXX   XXXX , WA  XXXX  Negatively reporting to my credit on   XXXX   I request validity of debt including signatures and invoices of debt. I never received any written knowledge of 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 09/25/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: This has been an ongoing problem with Greentree Financial who took over our loan from XXXX XXXX XXXX. It started with a payment they said was not received XX/XX/XXXX. We were besieged with harassing calls, up to 10 a day from them about our late payment and they were asking for our bank information etc. It was different people every time & kept us on the phone and got increasingly aggressive in their manner. We stopped taking any calls through XX/XX/XXXX because of their harassment. We stopped payment on the check presuming it was lost etc, but refused to give these people any info, or go online with our banking information as it seemed very strange behavior. We received a letter saying THEY had received the check on time, however they never refunded us the over charge! Since that time I have been sending all payments with a flat rate envelope costing {$6.00} per month which has tracking on it. This prior month they AGAIN charged us with a late fee saying the check was not received though USPS says it was delivered 5 days ahead of schedule to their PO Box . This is a continual pattern, obviously with these lenders. I have verifying paper trail proving these above allegations. I did notify them with this complaint & all we got was a letter back saying " they were n't responsible for mail delivery. '' All I wanted was your address to send you our documentation, but this was a concerted effort to steal our personal information to do an identity theft since they never said their calls were " recorded '' etc and they acknowledge, in writing they had our payment. No other explanation seems reasonable. But their ongoing attempt to access late payments that were not late shows a blatant attempt at on going extortion. These payments put unwarranted money into their bottom line. It is not enough to pay your debts on time anymore even with proof of delivery, costing more money for the consumer. We never contracted with these lenders-why is it we have to be wasting out time, energy and money having to put up with them continually stealing our resources?? Why our these loans ALLOWED to be sold to these liars, cheats and thief 's? I reiterate ; I have a paper trail proving my allegations and my letter to them and their response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I would Like to open a complaint on behave of Equifax credit reporting agencies I asked them to send me a copy of the Orginal SIGNED contract for XXXX XXXX XXXX XXXX and a XXXX late Payments and ALL CREDIT Inquires that is more than 30 days old with my signature on file and they failed to do so. They sent out a letter to me starting that they do not keep that Information on File. I WAS VERY SHOCKED THAT THEY STATED THAT THEY DO NOT KEEP THIS INFORMATION ON FILE 1 THIS IS A FEDERAL LAW THAT THEY HAVE TO KEEP THE CONSUMER DOCUMENTATION ( credit application in there Physical possession at all time and I have the right to ask for this Information and they are and should provide this Info when asked about THIS IS PART OF THE FCRA 609 ( A ) ( 1 ) ( A ) AND THE SEcTION 611 ( A ) ( 1 ) ( A ) it is against federal law for them to report information on a consumer Like Myself without that. CAN NOT REPORT THIS INFO AND IT MUST BE PROMPTLY DELETED I 'M Fully aware that each creditor MUST send this Info to each of the reporting agencies In order for them to report information about the consumer As you can see from the attached Letter Equifax already admited that they DO NOT HAVE THIS INFO SO IT MUST BE DELETED THIS IS A FEDERAL LAW AND EACH OF THE REPORTING AGENCIES MUST OBEYED BY THIS LAW XXXX XXXX XXXX LATE PAYMENT PLEASE HAVE THIS ITEM REMOVED ASAP XXXX XXXX 30 DAYS LATE PLEASE DELETE THE LATES INQUIRES PLEASE REMOVED ANY INQUIRES THAT IS 30 DAYS OR MORE OLD. 

THANK YOU SO MUCH! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX address on my credit report does not belong to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Consumer Loan (Vehicle loan) with VW Credit (CA).
Issue: Taking out the loan or lease

Complaint: On XXXX/XXXX/XXXX, I purchased a XXXX XXXX XXXX from XXXX VW of XXXX XXXX, CA. When I was discussing financing options with the Finance Manager XXXX XXXX XXXX, he described a pre-paid VW maintenance plan that was available that would cover my scheduled maintenance on my vehicle. He indicated that if I purchased it now at a price of {$1000.00}, I will be covered for my XXXX, XXXX, XXXX and XXXX miles scheduled maintenance with no additional out of pocket cost at time of service. He provided me estimates of each scheduled service and after crunching the numbers, the deal made sense and I agreed to the maintenance plan of {$1000.00} that was included in the financing of my vehicle. 
In XXXX XXXX ( XXXX/XXXX/XXXX or XXXX/XXXX/XXXX I believe ), I contacted VW Financial Services to ensure I fully understood my pre-paid maintenance plan and what it covered. I asked the representative if my plan covered XXXX mile service and she confirmed that it indeed did cover those maintenance services. This put me at ease knowing that XXXX at XXXX and the VW Representative confirmed the same thing. 
On XXXX/XXXX/XXXX, I brought my vehicle in for my XXXX service to XXXX VW of XXXX, CA. When I notified the service center what I needed done on my vehicle, I was told that I would have to pay out of pocket for my XXXX service of approximately {$300.00}. They indicated that whoever processed my prepaid maintenance plan at time of vehicle purchase only signed me up for the XXXX and XXXX mile service, and not the XXXX and XXXX mile service. They stated that there are XXXX plans that can be purchased, which is the VW Care package that covers the XXXX and XXXX mile service and the VW Care Plus package that covered the XXXX and XXXX mile service. XXXX at XXXX apparently only signed me up for the VW Care Plus package even though he had confirmed I would be covered from XXXX miles at a financed cost of {$1000.00}. I spoke to the Service Manager at XXXX and he re-confirmed what I was signed up for and advised that he could not do anything further as that it what was shown in their system. I notified him that I should be covered for XXXX as I did not pay for the XXXX mile service performed at XXXX several months ago. They said that after looking at their records, they saw that the Service Technician apparently processed it incorrectly and when they submitted the reimbursement to VW, they were denied it and they had to 'eat ' the cost for my XXXX mile service. Since I needed the service and did n't have the time to dispute with XXXX or VW at the time, I agreed to pay for the XXXX mile service out of pocket for a total of {$310.00}. 
It appears that I was misled by not only XXXX, but also VW as I specifically called asking the question about coverage and they confirmed that I was indeed covered for the XXXX mile services. 
Note that I have also filed a complaint for VW XXXX ( Case # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Fraud or scam

Complaint: Money ( {$3500.00} ) was transferred from my BOA account into my daughters account without my authorization. I was an overseer of her account and she had no access to my account or permission use my account in any manner.The money was then taken out of 5 different ATMS in AZ. I filed a fraud claim with BOA and it was denied. I called them back and they since have reopened this case but will not give me a time frame to get my money back. This is wire fraud. They told me the device used was her phone.

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