milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/28/2015 about Debt collection (Medical) with Penn Credit Corporation (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Spoke with third party. Representative lied and said they were unable to process a dispute on the amount claimed to be due. Amount due was wrongfully thrown on my credit report prior to my being notified of the amount " said-to-be due. '' The issue turned out to become hostile with the third party agent and she insulted me and told me they will just have to collect the money by " other means. '' This caused me much anxiety, even with my existing XXXX. I felt as though I was undermined and treated with disrespect regarding the amount due. I was ultimately unable to communicate effectively with the third party billing collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2015 about Credit reporting () with I.Q. DATA INTERNATIONAL, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Because of a bedbug problem that they had. The agreement was we where to get out by XXXX XXXX 2014. We where out as agreed. The judgment was Vacated. WE lived in torture the whole time there. They voided there lease and we agreed to get out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There is a negative item on my report that only Tranunion has not removed from my report. The name of the original creditor is XXXX XXXX XXXX XXXX XXXX that states that I owe {$1000.00}. This is not mine and I have a letter directly from the Creditor ( Insurance company ) that validates this error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Debt collection (Credit card debt) with GC Services Limited Partnership (GA).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: The company is attempting to collect a dept for my XXXX credit card. They call me about 20 times a day and about 3 of those calls have come after XXXX. I have asked them to stop calling so much and not so late only to be cussed out and called a deadbeat loser who cant pay bills!! I want this harassment stopped by them

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: They are reporting a bankruptcy on my credit of XX/XX/2014 that does not belong to me and belongs to someone with a similar name as me. They are also reporting inaccurate telephone numbers and saying they verified with the person who gave them the information when the courts are the only ones who can verify this information as they have them down as the fernisher that reported the information. I have asked for documentation and names of the person who verified the information as it is the law that they provide that to me after saying they have verified the information. They are reporting a telephone number of XXXX which does not belong to the XXXX XXXX bankruptcy court and is not in service. I went to the court about the information being reported incorrectly and they informed me that this belongs to someone that lives on XXXX XXXX in XXXX mi and I have lived at my address for 14 years now. I also received a letter from them stating that they do not give information to third parties or credit bureaus and they do not update information either. I also filed a police report and I gave them both and they still are saying they have verified the information and that its mines but its not. Please help

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 09/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XX/XX/XXXX I paid off the {$8000.00} balance owed on our Alaska XXXX XXXX XXXX card. See attached statement documentation. 

I received a letter from Bank of America dated XX/XX/XXXX that they closed my account! 
The " reasons '' given were based one late payment on some of my other credit card accounts that I also have paid off or have paid at least {$7000.00} toward their balances - also on XX/XX/XXXX. 

Therefore the basis for their decision is moot. I 'm current with all of my creditors and mortgages. 
I have paid off 4 credit cards and my XXXX lease. Therefore taking what was considered high-utilization of credit lines down to 30 % or so. 

The last thing I expected was to have my account closed right after I paid off the balance. Especially not even receiving a phone call to discuss the situation. This is a horrible way to treat a customer who is paid in-full! 
I 've also lost my XXXX XXXX by them closing the account ... ..something that I paid for with each annual fee.

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 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am writing a complaint against to TransUnion XXXX Failure to respond to my dispute and to remove the items on my credit report, with the following information in my file. I have put here below and I attached copy of the letter I send to TransUnion on XXXX/XXXX/XXXX This items you will see on pdf document i ' will upload. 

I am requesting that the items be removed because it affects my credit to correct the information. 
Enclosed all copies of the documentation I sent to TransUnion they say that what I send for proof of address was unacceptable, I sent for proof of my address a Utility Bill and Bank Statement the other letter was from XXXX XXXX XXXX I sent that letter because I was denied credit for an exercise machine I need because I have medical condition XXXX XXXX I have to XXXX do exercise to so my muscles need to be strong because my condition is it makes me weak day by day. 
I hope this document that I am sending help with dispute to erase everything that is damaging my credit history supporting my position. Please reinvestigate this matter and delete items as soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosures : XXXX XXXX, Bank XXXX, Disputed letter, FTC report and XXXX Case # : XXXX from XXXX FL

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 02-07-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am very concerned that it seems as Experian has not followed the provisions of the Federal FCRA which specifies that a reasonable investigation to determine whether the disputed information is inaccurate/unverifiable or delete the item. It states that if information disputed by the consumer is found to be inaccurate, incomplete, or can not be verified that the consumer reporting agency shall promptly delete the information from the file. In this case no verification of these listings was provided. I initiated a dispute with Experian for a listings for XXXX XXXX Bank XXXX and XXXX XXXX, that should not be on my credit report. The investigation was completed by Experian noting that the outcome of the dispute was Updated. However, there was nothing updated and the listings are still showing with the same information prior to the dispute. I contacted Experian over the phone because the listing looked the exact same prior to the dispute and should be removed. On a recorded line the representative verified that he saw the exact same thing I did that there were no changes. The credit bureau is not following procedures on making sure creditors are substantiating listings to reports. It 's almost as if they work for the creditors. I also have been having an issue with this company removing an inaccurate address that should not be on my file. I have requested numerous times and they tell me that they ca n't remove it when they can.

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 08/19/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I graduated from XXXX XXXX XXXX in XXXX on XX/XX/XXXX and have been unable to reduce my monthly payments, lower my interest rates, I have had late fees added even when I was only a day late making the payment. They added {$6000.00} dollars to my account because the lady said I was yelling at her which I was n't. Multiple collections calls even when I had already paid the forced to make 2 monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Consumer Loan (Installment loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problems when you are unable to pay

Complaint: On XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX, a lawyer for the plaintiffs in XXXX class actions pending in New York bankruptcy court, confirmed Monday that the XXXX banks agreed last week that within the next three months, they 'll either report this debt as included in bankruptcy and remove any negative information or will delete it entirely from credit reports. 

The lawsuit, filed in Federal Bankruptcy Court in XXXX XXXX, accused the banks of engineering what amounts to a subtle but ruthless debt collection tactic, effectively holding borrowers ' credit reports hostage, refusing to fix the mistakes unless people pay money for debts that they do not actually owe. 

XXXX XXXX XXXX XXXX, who is presiding over the cases, has repeatedly refused the banks ' requests to throw out the lawsuits. In XXXX, when he refused to dismiss the case against XXXX, he said, " The complaint sets forth a cause of action that XXXX is using the inaccuracy of its credit reporting on a systematic basis to further its business of selling debts and its buyer 's collection of such debt. " Bank of America promised to go further, agreeing to fundamentally change the way the bank reports all the stale debts that are sold to financial firms. For all credit-card debts sold since XX/XX/XXXX, court records show, the bank will remove any marks on consumers ' credit reports. 

As it is now XXXX XXXX, more than the three months agreed upon in the settlement, I am requesting IMMEDIATE deletion of the zombie debt reported by BANK OF AMERICA that appears on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2016 about Debt collection (Payday loan) with Recovery Solutions Group, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am an accountant for XXXX XXXX XXXX XXXX, the president is XXXX XXXX. They owe money to XXXX/Recovery Solutions Group LLC./ XXXX, a gentlemen by the name of XXXX XXXX have been harassing my client with phones calls. He calls her cell and her business all the time too early or too late. He called her landlord, and he called my office. I spoke with him once and I asked him to please not to call my office any more. I explained to him that I was the accountant, but I do not pay their bills. At that conversation, he claims that I called him, and that I left a message threatening to harm him. I told him that I did call him nor left a message, and that I am a XXXX, that I do not threaten people. He said what being XXXX does not mean anything, at the end of the conversation he told me to pay my bills. 
I told him that if he calls back my office. I was going to record the conversation, and I was going to file a report against him. He called back again and keeps on calling. 
This morning I was listening to my messages, and I noticed the he called twice the last time was on XXXX XXXX, XXXX at XXXX am. He calls and plays a message that was left to him. The message was left to him, my XXXX on my employees who claimed to be me. I did not authorize the phone call and I was not aware of the message until this morning today XXXX/XXXX/XXXX at XXXX XXXX 
The message is asking him to stop harassing our client and to stop calling her, the landlord and our office, that if he did not stop calling that our client was going to take legal action. In the message there is a part that says that " her medical records are going to be more expensive for you '' I guess it was meant that she is getting sick by his harassment, and that she will charge him for the medical bills. However, also it may be interpreted that his medical bills may be more expensive, the word " her '' if taken off could me misinterpreted. I saved the recorded message that he keeps on playing when he calls my office. 
I really do not see the reason why XXXX XXXX keeps on calling my office and keeps on leaving the recorded message into my voice mail ; I do not see the point of harassing me. I have many clients I never had a situation like this before. 
Here I am attaching emails that I have received. 
I want this company to be fully investigated for the harassment that he is doing to my business. I am not part of any actions that they may have against my client, I do not owe them any money.

Company response to consumer: Closed
Consumer complaint received 10/24/2017 about Money transfer, virtual currency, or money service (International money transfer) with PAYPAL HOLDINGS INC. (NJ).
Issue: Unexpected or other fees

Complaint: A GB/pound transaction on XX/XX/XXXX, on XXXX, paid by via direct credit card but interfered by PayPal, in the amount of XXXX BG which at the time of transaction was XXXX XXXX but the actual charge to my credit card was XXXX XXXX thus some hidden fees were applied and charged to my account without clearly being stated. My attempt to solve the dispute with PayPal representative, XXXX XXXX ( as she presented herself ), and get the XXXX $ refunded to my account failed despite the obvious differences. PayPal representative continue to state the the exchange rate at that time was different from what I had at the time we had the discussions ( XX/XX/XXXX vs. XX/XX/XXXX, the actual day of transaction ) I think this XXXX $ are hidden fee and need to be clearly disclosed by PayPal when charging a person 's credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/29/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (WA).
Issue: Fraud or scam

Complaint: On XX/XX/2017, I initiated a currency exchange ( via ACH transfer ) of {$1600.00} USD to BTC ( Bitcoin ) with Coinbase.com. The money left my back account via ACH transfer and I was promised that the exchange would clear and be available to me by XX/XX/2017 but they still have not cleared the transaction and show that it is pending. They are holding my money locked and are refusing to allow me access to it. I have made repeated attempts to reach them by phone and email under multiple case # XXXX, # XXXX and # XXXX but they have not responded with any info on the issue. They have not given me any status updates other than saying that my case has been escalated to a specialist. It's been almost 2 months now and I still do not have access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Consumer Loan (Installment loan) with U.S. BANCORP (TX).
Issue: Problems when you are unable to pay

Complaint: i was injured on the job 1 year ago.got in touch with the company and explained my issue and they said they had a program to help me repay the debt. I just had a XXXX XXXX XXXX XXXX 2015 prior to the XXXX i i set up a hardship repayment program loan with elan fian co and after i made first payment as we agreed over the phone. i found they were still reporting me negative to the credit bureaus and then the original monthly payment amount changed and they could not validate/explain to me why. I have hired XXXX to help with the situation. i changed my phone number because they were calling and harrasing me 7 days a week well today they got my new number and are doing the same thing again. I cant recover from my XXXX XXXX and worry about this company trying to collect a debt that i did not agree to the new terms the changed without my consent please help me. Thank you 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 non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. ().
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: Equifax notified us that it is possible that our personal information had been breached. They offered a system to check to see if it indeed had been breached. My information had not, but apparently my husband 's personal information -- including credit cards and soc sec #, etc. -- was possibly breached. Equifax then offered to give him one free year of monitoring, but said that he had to waive his right to sue if their breach caused him harm and said that he 'd have to pay after one year. On top of that, it appears that the Equifax chief officers sold stock and made a large profit before informing us of this breach. This is outrageous. Equifax should have to make good any harm caused by their negligence in handling our personal information. And the officers should not profit off of this egregious negligence while millions of Americans and XXXX have had private information exposed and may suffer harm years from now because of this. Beyond disgusting and I hope the US Government goes after these guys.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Mortgage (Home equity loan or line of credit) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Dear Consumer Finance Protection Bureau, I filed Case number : XXXX on XXXX XXXX, 2017. HSBC replied that it needed additional time to investigate this complaint before submitting a final response. I received a letter from HSBC dated XXXX XXXX, 2017 that it plans to transfer this loan to XXXX effective XXXX XXXX, 2017 and that the loan terms would not change. In essence, HSBC is attempting to absolve themselves of this fraudulent transaction by transferring the loan. CFPB must hold HSBC fully accountable and not allow them to " pass the buck '' and demand that HSBC grant the injunctive relief requested in my complaint. A copy of the correspondence received from XXXX XXXX, Senior President, XXXX XXXX XXXX is attached for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: This is 1 of MANY attempts with this company. Their last response was a general response, and I want this problem fixed asap. I am writing to dispute ONCE AGAIN about the errors on my credit report pertaining to the inquiries on my file. These inquiries remain on my report after explaining several times that these are not valid. The credit report showed credit inquiries that I didnt authorize. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity.

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 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted the  CBR  to notify them that they were reporting some incorrect information to my report. I requested that they validate this information and as of today they have not responded to my request.

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 06/28/2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (CT).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Wells Fargo appears to have been reporting timely payments on my student loan as delinquent. It is unclear when they began doing this. They provided me a series of cryptic letters about a mistake in my account. It took me a significant amount of time and trouble to get WF to admit finally that it had been reporting the loan incorrectly. It also appears that WF assessed late fees. It also appears that WF deleted documentation relating to my credit history.

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