milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Since your last update on XXXX XXXX, XXXX, XXXX inquiries have been added to your credit report. 
Lender Industry Inquiry Date Reported By XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX Bank XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX Miscellaneous XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion FRIENDLY XXXX XX/XX/XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX Credit CardsXXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion

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 04/27/2015 about Student loan (Non-federal student loan) with Weltman, Weinberg & Reis Co., L.P.A. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I am being contacted by a debt collector for private student loans that have passed the statute of limitations. I have requested in writing via certified mail not to be contacted further by phone, yet I received another call today, XXXX XXXX, 2015, and this is nearly two weeks after they received notice not to contact. The firm 's name is Weltman, Weinberg, and Reis , Co., L.P.A. based out of XXXX XXXX, OH.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (RI).
Issue: Application, originator, mortgage broker

Complaint: I filed bankruptcy in 2010 and lawyer had to include mortgage.I never skipped a payment even though I did not reaffirm, which lawyers apparently do not tell you reaffirm.But my mortgage and second mortgage have stayed on my report.I have since paid off my second mortgage and continuing to pay original mortgage. If the not reaffirming mortgagges is reason, should n't at least the second one be removed, paid as agreed. The remarks do n't reflect what has happened.Account status should open on mortgage and paid as agreed on second mortgage

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had myself removed from my husband 's account as an authorized user. I received a letter in XX/XX/XXXX from XXXX XXXX stating that they would notify all XXXX credit bureaus which they did. XXXX and XXXX deleted the information but Equifax told me that I had to file another dispute. When I did they came back and said that it was verified even though I have proof that I was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has negligently handled my credit report information. As such they have left me and millions of others vulnerable to exploitation. I have never agreed to let equifax have my data.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Debt collection (I do not know) with Northeast Recovery Solutions, LLC (MN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This company have been calling my mother in law, leaving message on her voice mail saying there are papers I need to be served with for a debt I owe. 
They also called my brother in law letting him know if I do n't pay the debt my wages will be garnished. 
They contacted my ex husband and told him I owe a debt that needs to be taken care of, and there is legal action filed against me for which I need to be served ( this has been threat for the last year ) When I call the company back and asked to send me a bill and I would gladly pay whatever I owe I was told they do n't send bills and I need to provide my credit card or bank information over the phone, which I refused due to not knowing if this is valid debt or not. I also asked the company for their name and addressed and they refused to provide that information to me. My intention was to send them letter stating to cease any communication.

Company response to consumer: Untimely response
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted the credit bureaus TransUnion and XXXX about these hard inquiries and they seem to not wan na remove them from my credit report and i did not authorize any of these places to run or pull my credit. I have a letter XXXX sent me saying they did not pull my credit but it is showing up on my credit report. Please help me and have them removed off of my 3 credit reports if you can or willing to help me thank you. 


Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from 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 04/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX wireless illegally tacked on late fees to my phone bill even though I paid for the usage on time, every time. The original late fee occurred because XXXX 's website was not operating properly when I made a payment. From that point on, XXXX tacked on an additional late fee every month because I refused to pay the original late fee due to their website glitch. The total amount in late fees is {$110.00}. XXXX sold this alleged debt to XXXX XXXX XXXX. I have filed numerous disputes with the credit reporting agencies only to be told that XXXX XXXX XXXX says that I owe this money. The credit reporting agencies have no paper work or XXXX billing from XXXX showing that this is a legitimate and legal collection. They are simply taking XXXX 's word that this money is supposedly owed. This {$110.00} in late fees is not owed. I paid for the services used on time and will not pay these false late fees. This is extortion. In contacting XXXX, I get a big run around, and, ultimately, they will not remove this false collection from my credit report. Since when do collection agencies tell the credit reporting agencies how to manage credit reports? This first complaint is against TransUnion. Attached please find copies of the bills in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Consumer Loan (Installment loan) with Frederick J. Hanna & Associates, P.C. (closed) (FL).
Issue: Problems when you are unable to pay

Complaint: I have default judgment against me that was filed by the law firm of Hanna and Associates. I never received any documents to verify/deny the debt was owed. The debt they are claiming has over {$3000.00} in interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: I was a   XXXX   XXXX   but now im on  XXXX  due to my   XXXX   XXXX   and    XXXX   XXXX   XXXX    are trying to take me to court for a credit card debt. I have had a lot of trouble out of this company before. they were trying to take me to court once before and the company that has it now are still calling me and the debt is from   XXXX  . I have papers now that    XXXX   XXXX   XXXX    are about to take me to court for. a letter has been send to them stating I am on  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 06/20/2017 about Debt collection (Other debt) with CURO Intermediate Holdings (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: After receiving an overwhelming amount of emails and calls I mailed an official cease and desist letter to the company Speedy Cash on XX/XX/XXXX. The letters were sent to no avail I have received persistent emails and calls to date. I have blocked this number previously to attempt to limit the amount of harassing calls I have received regarding this account however that has not limited nor stop the ongoing harassment. Calls on XX/XX/XXXX @ XXXX XX/XX/XXXX on this day I spoke with a representative and informed them that a cease and desist letter was sent to stop harassment. The representative was told that the call would be documented and reported. XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX Emails to date on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX. They have used  random numbers to call me. These numbers have been from different area codes nationwide.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Debt collection (I do not know) with CREDICO. INC (SD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX garnished my wages from XX/XX/XXXX to XX/XX/XXXX of this year. In XX/XX/XXXX, I asked this company to verify the debt and they sent me a letter on XX/XX/XXXX stating they were unable to do so, and that collection was removed. In XX/XX/XXXX I received a garnishment notice from this company for the same debt. I sent a certified letter XX/XX/XXXX requesting debt verification, on XX/XX/XXXX they sent me a copy of a judgment which is not what I asked for. I requested the name of the original creditor, or company, what it was for, copies of any information or signed documents, ect. They failed to provide me with any information that I requested and violated my rights. XX/XX/XXXX I sent the same letter to their attorney via certified mail, she refused to sign for it. XX/XX/XXXX, I sent another letter certified mail tell the Credit Collections Bureau that since they failed to verify the debt they must cist and desist all garnishment until they are able to do so, they never responded and they did continue to garnish XXXX until XX/XX/XXXX. This caused me great hardship. I was unable to pay bills, or rent due to this and was charged many late fees which caused my finance situation to become ever worse.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Struggling to pay mortgage

Complaint: I am currently in the foreclosure process with Nationstar Mortgage XXXX a.k.a XXXX XXXX XXXX. On or about of XXXX XXXX, XXXX Nationstar started the foreclosure process. Prior to that I sent them a check in the amount {$17000.00} to catch-up on my mortgage. This amount was good through XXXX XXXX, XXXX. On XXXX XXXX, they sent the check back to me telling me that the total amount required to bring the account current was {$21000.00}. I received this letter on XXXX XXXX. I contacted them the same day and was told that the number changed to over {$270000.00}. I am now being told that in order to reinstate my mortgage in need to pay them in excess of {$31000.00}. I have made numerous attempts to make payments to get my mortgage reinstated. I have also requested that they provide me in writing what legal fees I am required to pay them. I was told this morning that they do not have to provide that to me in writing. I have the means to reinstate my mortgage and move forward with making my loan payments. They are refusing to work with me. I so have equity in my home and I suspect that they are trying to force foreclosure so they can take my house and sell it for a profit. I am asking your assistance in this matter. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NICHOLAS FINANCIAL INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have inquires on my report inwhich I have No knowledge of all these inquires occurred on XX/XX/2017 XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Debt collection (Other debt) with Valley Collection Service, LLC (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Valley Collection Services ( VCS ) and I have reached settlement however, VCS wants payment prior to providing a written agreement regarding the settlement. A 'paid in full ' and a 'payment agreement 'are two different letters. I will not make any payments unless a written document explicitly indicates that a PENDING {$90.00} payment will settle the account in full as agreed upon. Once a payment is made then a 'paid in full ' letter can be distributed. The arbitration terms are with XXXX XXXX XXXX, but Valley Collection Services is what is reflecting on my credit report. If I can not receive a pending agreement letter indicating the {$90.00} will settle the account, I will take further action as VCS has acknowledged an agreement was made through a Better Business Bureau complaint. I will not make a payment then receive a letter after-the-fact, as I have no clue if the letter will comply to what was agreed upon. I am not making 'payments ' toward any balances. This is a 'settlement ' payment. The service was only performed once for {$90.00} while I was not home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian has reports my address, phone numbers, and name incorrectly as well as my student loans status, medial bills reporting incorrectly. This has significantly affected my approval for credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Student loan (Federal student loan servicing) with ACS Education Services (MD).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I am a teacher and a graduate student taking online classes via XXXX XXXX XXXX XXXX. I started taking classes in XXXX 2015. ACS Student Loan Services took over about {$24000.00} of my student loans and XXXX took the other student loans. I have approximately XXXX student loans. In 2015, I applied for an in-school deferment. I was initially denied by ACS, but I persisted in contacting them, because I knew that I was at least part time, if not full-time and therefore eligible for an in-school deferment. ACS denied the deferment, and claimed that XXXX XXXX XXXX XXXX did not meet their requirements. Over the summer I was sent an email by XXXX indicating that they now met US Dept. of Education requirements for in-school deferment. I summarily filled out another in-school deferment. They yet again denied my request. They are now threatening me with default, and wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (WA).
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: I have a Banana Republic Visa account that is managed by XXXX XXXX. There was a charge of {$100.00} made on it that I did not authorize in any way. I disputed the charge in writing and talked to the fraud department at length. They agreed that it is a fraudulent charge and said that they would remove it. 

However, I am receiving daily harassing phone calls about the fraudulent charge, even though Synchrony/Banana Republic has already agreed to remove it. I do not think it is legal for them to do so.

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 09/15/2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I was on the phone with Chase Freedom General Correspondence Card Service updating my credit card account, personal information, and payment history. I was never late paying my Chase credit card bill. Chase Freedom General Correspondence Card Service was reading my personal information and credit card account to me on the phone, updating my address, area code, phone number, social security number, date of birth, and age, I responded yes on the record line. I did n't realize it was a third party call, after releasing my personal information to them, which it was repeated back to me. When I realize it was a third party phone call, I immediately told Chase Freedom to cancel the call, I realize my personal information was release to a third party, from XXXX XXXX XXXX. When I immediately found out what Chase Credit Card did, I immediately paid them in full and close my Chase Freedom Credit Card, I now have a XXXX balance with them. XXXX XXXX XXXX and XXXX XXXX from Department XXXX, contact number ( XXXX ) XXXX, Consumer Employer # XXXX Dept. Card Member Services confirmation number XXXX were on the third line. I phoned my sister XXXX XXXX about the fraudulent situation, she told me that she was going to pay XXXX XXXX XXXX   XXXX  in full because they were going to use my Social Security number and personal information against me, although I did n't sign or agree to making payment to XXXX XXXX XXXX, it was agreed on the record line that XXXX XXXX XXXX was going to pay XXXX XXXX XXXX  in full following by a confirmation number XXXX. XXXX XXXX XXXX and XXXX XXXX agreed for a full payment of {$14.00}, XXXX confirmed by both XXXX XXXX and XXXX XXXX in the month of XX/XX/XXXX, with a written agreement from XXXX XXXX XXXX, but later I start receiving bills in the mail from purchases that they made totaling {$14000.00}. I never use a XXXX credit card nor receive one in the mail. The agreed confirmation was read to XXXX XXXX XXXX on a record third party phone call, after she agreed to pay the full amount, she has later XXXX, the only proof I have is the confirmation number, and credit card bill. I did not receive a credit card, but instead I received a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: when     XXXX   XXXX   gave the  XXXX  business to  Citi ca rd, we believe they issues a card for the wrong number or they sent the wrong card or some  one  in the company is collaborating with the criminals to create a new account under my name but a different address ( have all the documentation ). After several months citi Silently closed the account and gave it a new account number and want to make me responsible for the debt My identity is compromised due to their negligence and we have been fighting and calling to find out how it was created and who was responsible and no body dare to say any thing except promising to take care of the debt. After several months of going back and forth we received an email that states they are wiling to give us {$21000.00} credit and few weeks later they send my name to their recovery department in  XXXX   XXXX  where they could not even understand our problem and resolve the issue.

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