milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Webcollex, LLC (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have received several phone calls at work and my work has been contacted by the company for employment verification. I have spoken to CKS and asked that they not call my work but rather my personal phone number. They also continue to call my family which I have asked they discontinue doing as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 04/13/2018 about Mortgage (Conventional home mortgage) with LoanCare, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I have been working with LoanCare and have been providing documents to be reviewed for a loan modification. As of XX/XX/XXXX they confirmed they received all the documents they requested and were escalating it to the underwriting department due to the foreclosure sale date scheduled for XX/XX/XXXX. When calling LoanCare this morning, XX/XX/XXXX, they informed me that my application is still being reviewed by underwriting, however, LoanCare has not submitted the request to have the sale date postponed. This would be considered a form of dual tracking and violation of Homeowner Bill of Rights if they are stating they have everything they need but yet are refusing to postpone the sale leaving me with limited options and in a stressful situation. LoanCare has failed to provide me with either a denial ( and the right to appeal ) or an approval so therefore the foreclosure sale can not continue.

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 07/15/2015 about Debt collection (Credit card) with AllianceOne Recievables Management (NJ).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Alliance One Receivables continues to call despite receiving a cease and desist demand to stop calling AND despite the acknowledgement of attorney assistance

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Under the new law effective XXXX XXXX, 2017 credit report agencies reporting any public records must contain name, address, SSN or DOB in order to appear on credit file. All 3 credit bureaus have failed to update information per new  law. Bankruptcy on file does not meet law requirements and needs to be removed from consumers credit file.

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 07-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am getting a report that has told me some one has open a mortgage in my name and credit my credit score is now down I believe because of it. I have not open a mortgage loan at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Debt collection (I do not know) with Mid-Atlantic Consumer Services (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: RECEIVED NUMEROUS CALLS TO MY EMPLOYER 'S HUMAN RESOURCES OFFICE WITHOUT PROPER IDENTIFICATION, JUST LEAVING IMPROPER MESSAGES TO INCLUDE TO SEIZED MY PAYCHECKS AND JUST BEING RUDE. CALLS WERE RECEIVED ON XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX AND XX/XX/XXXX. 
THESE PEOPLE ARE VERY ANNOYING AND WONT TAKE NO FOR AN ANSWER AND JUST WANT MY PERSONAL INFORMATION SUCH AS MY SS #.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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 reviewed my Trans Union credit history this year and saw there is an account reported as previously-delinquent by XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). There is no balance reporting as the account was transferred, and it has been more than 7 years since the date of original delinquency. However, it continues to remain on my credit history since apparently XXXX XXXX XXXX  reported no date of original delinquency. 
I have attempted to dispute the account with TransUnion and it continues to come back as accurate, with no changes. TransUnion has a responsibility to make a reasonable investigation into these disputes, yet instead just updates the same missing/inaccurate information. I have no idea how Trans Union accepts verification of an account which is missing any reported date of original delinquency. So, instead of dropping off my report in the allotted time like it 's supposed to, it remains reporting.

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 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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 received an alert that a collection account had been added to my credit report. I pulled my credit report to find out what this collection account was for. Well the collection company is trying to collect for an online payday loan that they have no legal authority to collect on as the loan was not legal and the State of California issued Desist and Refrain Order and Order Voiding Transactions and to Disgorge All Charges and Fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/24/2015 about Credit card () with U.S. BANCORP (CA).
Issue: Rewards

Complaint: I pay an annual fee to US Bank for my credit card. XXXX of the benefits of this card is that it has a benefit, the says the last night of my award booking is free. I have had this card for 2+ years, I understand how this works. This year, right after I paid my fee, US Bank announced that they will discontinue the free night benefit as of XXXX 2015. The free night offer was listed on the credit card application from US Bank. I wish the Annual fee to be refunded and a bonus of XXXX points be put in my account as damages to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2018 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: SUNRISE CREDIT SERVICES Account number XXXX I received a letter stating that this account would be removed directly from SUNRISE CREDIT SERVICES they failed to provide proper validation and verification as specified in FDCPA Act. Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit. I am sorry what affidavit? I was unable to find anything that shows, SUNRISE CREDIT SERVICES, or any third party law firms and collection agencies are in accordance with the OHIO LAW 1319.12 ORC. License required ; application ; fees.

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 10/25/2017 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: Information belongs to someone else

Complaint: I have notified the credit agencies several times and nothing seems to be done about this. There are unknown accounts which have no validation and names listed I have never used. 

XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX Names XXXX XXXX and XXXX XXXX I have never used these names nor have ever been called these names. Remove and any accounts associated with

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 12-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Source Receivables Management LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX aka XXXX SourceRM called me asking for personal information and since I was n't aware of any debt I told them I could provide personal information. I called XXXX to verify the debt and then called the collector back. Someone answered the phone and said " did n't someone speak to you already? '' and I said yes is there a problem with that? and she said " you did n't provide personal information so we cant help you '' I told her Listen I did n't know who was calling me and she hung up on me. Not only very only very unprofessional but also since l will not be getting the verification of debt in writing within 5 days it is also illegal. Called back XXXX the transferred me to collections dept outsourced to the XXXX spoke to XXXX, she told me to call SourceRM the company that was n't taking my call. Asked for a manager, she said it would take 30 mins, I said I had all day. She then told me she could transfer me because I was n't a XXXX customer ( Oh that will get me back as a customer ) Asked for her agent ID number said it was policy not to give out personal information. ( What? ) I reiterated I wanted to speak with a manager and she hung up on me. Great

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Debt collection (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am having financial difficulties and XXXX XXXX XXXX continuously calls my cell and work phone. I have asked that they not call my place of employment because we are n't allowed personal calls and the calls are recorded, but they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DC).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: To Whom It   XXXX   Concern : I have disputed my credit report due to incorrect information. After that happened, I been not able to get my credit report to me. They have made it harder for me to reques t one.  Before, this never happened to me. Also, my name, telephone and address are incorrect. I have disputed that before and they completely ignore it. That is what is happening to me and I am getting   XXXX   tire of it. Therefore, I need the CFPB to help me and be ON MY SIDE!!!

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 07/23/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is on my credit report as my account but does not match any account numbers or date opened to my accounts. They are on my credit report as a negative item. I have asked for supporting information for the account and there is no information given. The collection company is rude and they demand payment when they call and I have disputed to the credit agencies numerous times to fix my credit and have got nowhere. this is affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Transunion is still reporting a civil judgment on my credit report when it has been paid and should no longer be reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2017 about Money transfer, virtual currency, or money service (International money transfer) with JPMORGAN CHASE & CO. (CO).
Issue: Money was not available when promised

Complaint: My bank in XXXX sent me a large wire on XX/XX/XXXX, which usually takes 2 business days to be received by my credit union here in XXXX. The transfer apparently went through Chase 's centralbank in XXXX XXXX. We did n't know this until a week after the money was sent and I still had n't received it. We had to run 2 traces on the money until we finally received some responses. Chase in XXXX  was holding the money. Why, we were n't told. We had to run an investigation from my bank to find out Chase was holding the money, because supposedly it was sent with the wrong code and was n't convertible. Mind you, I have received wires from my parents before and there were never any issues. After having received no communication at all from Chase, the money supposedly got sent back this week on XX/XX/XXXX. The bank in XXXX still has n't received the money back, nor any kind of notification or communication from Chase. Currently the money is missing and the XXXX sender bank started another trace. This is a huge inconvenience and is costing me and my parents a large amount of money in interest ( the money was supposed to pay off my house ) and I may lose my house over this. Not even mentioning the aggravation and worry over where such a large sum could have gone. This whole process has been a mess and there has been little to no communication from Chase

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: After Reviewing My Transunion credit report I found their was a bankruptcy showing on my report. I first contacted the reporting agency as seen on my credit report, NJ bankruptcy court via mail. They wrote me back indicating that they have no correspondence nor do they report to any of the XXXX credit bureaus. I then contacted Transunion and requested that they validate this negative account and provided me with copies that clearly state that NJ bankruptcy court is n't reporting to their agency. I received a letter back from Transunion stating that they have validated the debt. They have not provided any such documents bearing my signature, or any documents supporting their claim to be valid. I sent Transunion certified letters on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX asking again that they validate the alleged debt and if they cant please delete the account from my report. I noted in my letter that proof of validation is a document bearing my signature, or any court documents stating that they our reporting a Bankruptcy to their agency. As of XXXX/XXXX/XXXX Transunion is still reporting bankruptcy on my credit report.

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 11-08-2016 about Debt collection (I do not know) with Van Ru Credit Corporation (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Over the past 12 days I have received 5 calls from Van Ru Collections at XXXX XXXX. They are calling my number because the purported debtor has the same first initial and last name as me, although the person they are trying to contact is a female, I am a male. Other than sharing the same initial and last name there is no reason to believe that person is at my number. Most calls were recordings, one was from a person. All went to voice mail. I have not called them back.

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 03-07-2016 about Debt collection (Medical) with Suburban Credit Corporation (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: THIS DEBT WAS PAID BY THE VIRGINIA INJURIES COMPENSATION FUND TEL:XXXX

Company response to consumer: Closed
Consumer complaint received 10/14/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I am writing you to let you know how bad Chase handle customer issue and withholding customer fund ( probably illegally ) I have Chase credit card for more than two years. 
I recently go to their branch ( XX/XX/XXXX ) and open a new checking account successfully. However, a week later, I found that my online access has been locked completely. I spent half an hour on their toll free number with no result and was told to go down to their branch. After wasting so much unnecessary time, I was told that I need to provide my social security card and a letter from social security office before they can unlock my account. This is the most radiculous because I have had more than two years of banking relationship with Chase by holding one of their premium credit card. I told them that I am more than happy to produce my passport, my social security card, I really have no time to go down to Social Security office to ask for a letter. Furthermore, I have opened checking account with more than two other banks in the past 4 years and have never heard of such radiculous request. 
At the end, I told the branch that I rather just close down the account and have my money back. However, they hold my money hostage. I deposited $ XXXX on XX/XX/XXXX and they can not release my fund until at least after XX/XX/XXXX. Is this even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (I do not know) with Account Discovery Systems, LLC (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Received a voice mail at my place of employment from ( XXXX ) XXXX on XXXX XXXX, 2015 at XXXX. Message was " This is XXXX XXXX ( Spelling? ) you were listed as a contact for XXXX XXXX. If you can give me a call back my number is ( XXXX ) XXXX. First of all XXXX XXXX is my ex-sister-in-law going back XXXX years ago. Second of all she never listed me as a contact and doesnt even know my work number. I called this number back and advised them to never call my employer again and told them I am not affiliated with XXXX XXXX. I did private message her on XXXX to advise her of this call and she was going to call them. How dare they call me about someone else 's debt. How dare they call my phone at work. They lied when they said she listed me as a contact. She never did. We have no contact outside of the private message I sent her about this call.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 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: Personal information incorrect

Complaint: XXXX / XXXX /2017 Set up an account with Experian 's protectmyid.com. Saw that the current employer information on my report is ten years out of date. Tried to use Experian 's Dispute Online function but after filling out the form was taken to a page saying " We were unable to honor your request '' with no further recourse except for mailing a letter to them.

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 02/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: afni debt collection company contacted me in XX/XX/XXXX about an XXXX bill that is not/never was mine, dated XX/XX/XXXX 

Appears to be a mail order for a telephone that was delivered to a person with the same first & last name as mine ( very common one ) @ a XXXX address. 

I have lived in different state since XX/XX/XXXX, during which time I have not had an XXXX acct. or purchased anything from XXXX. I so notified Afni, Inc. when I first heard from them, but just received another dunning notice. 

This temporarily affected my excellent credit rating w/ XXXX XXXX before I was even notified of this bogus charge, which is utterly unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Mortgage (FHA mortgage) with CITIBANK, N.A. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I worked through an attorney and realtor to try to secure a short sale for my home. I had a buyer and a valid contract for the house. All paperwork was submitted to the bank for approval including the form communicating I was using an attorney for any and all communication regarding the property. All documents were confirmed received previously by CITI yet they advised the attorney on XXXX, XXXX/XXXX/15, that they still needed several documents in order to proceed with a short sale or foreclosure postponement. The attorney requested a postponement as there is a valid contract for purchase. The bank then denied the short sale and foreclosure postponement. The foreclosure is set for XXXX XXXX, 2015. Citi failed to provide short sale response in a timely manner.

Company response to consumer: Closed with explanation