milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In the last few months ive reviewed my credit reports from all three major credit bearues and discovered multiple adverse/erroneous accounts on all three reports.ive disputed all accounts recently and the CRA 'S are some how verifying accounts in a matter of days. ( impossible ) The CRA 's are not properly doing a investigation in this matter.All of the errouneous/adverse accounts are missing information/incomplete/no payment history.Transunion, XXXX, XXXX, are in violation of the FCRA section 611 as well as section 609.Ive requested documentation on all accounts with no response, only saying its verified.Ive also contacted every creditor involved, and was told CRA 's have not communicated with them. ( wow ) I will continue to dispute until the accounts are removed from my credit files if not, I will take other action pertaining to these issues.I demand the following accounts be removed : transunion-account resolution ( closed ) $ XXXX/XXXX XXXX XXXX  XXXX/XXXX XXXX $ XXXX.XXXX-account resolution $ XXXX/XXXX XXXX XXXX $ XXXX.XXXX-XXXX XXXX XXXX  $ XXXX/XXXX XXXX XXXX- $ XXXX/XXXX XXXX XXXX/XXXX- {$560.00} .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My husband has a address on his credit report that does not belong to us or anyone we know. I am an authorized user on many if not all of his credit cards and vise versa. I believe this fraudulent address to be on my credit reports as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 04-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The credit companies are reporting I have a Bankruptcy and Tax liens reported by different courts. The courts DO NOT report Bankruptcy or Tax Liens. This information is being reported incorrectly. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 08-12-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have some accounts on my credit report that are not mines. I can not dispute online per Experian. Experian is not questioning these accounts just saying they are mines. I have alot of inquiries I have disputed they wont remove but yet put a fraud alert on credit report. 

Account XXXX XXXX XXXX, opened in 2006 should have been deleted due to age of account more than 8 years old and information is incorrect. 
Account XXXX XXXX XXXX, this account is not mines and this bank never sent me any information regarding this bill. I do n't know what this is. 
Account XXXX XXXX, this is not my account. 
Account XXXX XXXX accounts on this report should be deleted. I have a XXXX for them. 
Account XXXX, this is not my account and I have disputed numbers of times even sending letters from XXXX to Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with FIRST ADVANTAGE CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX did a back ground check on me and it showed up something that was not mine. I have never been convicted of a crime and i have never lived in XXXX AZ. I am XXXX year old and have never been in any kind of trouble. The case # is XXXX and is says it was a XXXX. 
Can you please get this fixed for me? 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Like many other Americans, I have voluntarily initiated security freezes on all of my credit profiles at XXXX XXXX, and Equifax. This helps me sleep better at night knowing a fraudster ca n't open an account in my name without my explicit permission. 

The complaint I have is that not only do I have to pay {$10.00} to these companies to initiate the freeze, I also have to pay {$10.00} to each XXXX separately, every time I want to apply for a credit product. In some cases I am forced to pay {$30.00} out of pocket. I take issue with this because the problem of identity theft is largely attributable to these very organizations who provide my financial information to anyone who asks for it, " willy-nilly '' without any sort of authentication or identity verification. So even though these companies are responsible for the problem, if I want to do something to prevent it ultimately I have to pay. 

I am requesting that the CFPB require, or simply encourage these companies to provide this service free of charge to American consumers. By doing so they will be helping to more easily prevent the serious issue of identity theft, as well as avoid more costly requirements that may come their way in the form of legislation aimed at combating the problem. Thanks for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: lvnv funding has  a $  XXXX  open  collect on account  XXXX  on my   XXXX   credit report at  XXXX   XXXX  account.Open  XXXX  2015.This account was original own by  XXXX  who put it in discharge.I understood I had a right to put it in a  XXXX  with th e IRS.lvnv fu nding, did not take me to court did not get a lien on my property, just jumped on my credit, that 's not legal, my debt is paid  for.this compa ny is trying to still my account and make me pay for it again. open  XXXX /2015.when ever I ask for proof of account this company will not answer, because this company do not own this account.can I get some help from the federal trade commission

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My identity was stolen and multiple account were opened in my name. I reached out to XXXX XXXX XXXX to inform them of this issue but they did not want to remove the account. Instead they sent it to collections. I contacted the collection agency and the collection agency did nothing either.

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 11-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On the month of XXXX XXXX, we made many transaction, purchase and return, so when the statement came, we called the Citibank Visa asked the agent over the phone, what the the balance to pay off the account, they told us {$2700.00}, so we did the same amount. 
then XXXX XXXX bill came, my account showed the interest charge, so We called the Citibank visa, asked the same question to pay off the balance, they told us {$2200.00} so We paid that amount. 
XXXX XXXX statement came, there is again interest charge showed, we only made {$570.00} purchase but the balance showed all almost {$1500.00} So we called many times agent and supervisor keeping saying that they will call back, but no one called, so we file the complain online, finally one person named XXXX from XXXX office called she said she will call back, but by now still no answer

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 03-05-2017 about Debt collection (Credit card) with GLA Collection Company, Inc. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hello I have a credict card that I have always paid in time but when applied to others theaswer is negative by claiming a disgusting track record that is not true I found out about that account and it was a mistake that someone commited with my son 's XXXX account and now this messes up my record.This disgust me a lot and I want some one to fix this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit card () with BARCLAYS BANK DELAWARE (TX).
Issue: Billing disputes

Complaint: After XXXX refused to fix, replace or refund charges they made to my Barclaycard XXXX for some unusable equipment and service that could never happen, I called XXXX to try to open a dispute. On XXXX/XXXX/2015 at XXXX, XXXX , Employee ID : XXXX, took my complaint and said she would be back with a case number. When she returned, instead of giving me a case number, she conferenced XXXX of XXXX on the line. A little way into XXXX and my argument, I realized XXXX had already hung up the phone. I hung up and called Barclaycard back, and XXXX, Employee ID : XXXX tried to get XXXX on the line again. I told XXXX, just like I had told XXXX, that all my attempts to talk and email some sense into XXXX had failed, because all they do is take money. I told XXXX to just open a dispute like other credit card companies do, but she refused. She said all the supervisors were too busy to talk to me. She said I would have to cancel my card to stop XXXX 's monthly billings for nothing. I called back and XXXX, Employee ID : XXXX cancelled my card for me. I explained to him that I would never pay them for the XXXX charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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: XXXX and experiean continue to report Bankruptcies on my report in which proof were sent to them that they are not verified from the courts and they keep stating the information was verified without proof of how they supposedly are verifying information that in fact is not being verified from the XXXX Bankruptcy courts. So they are engaging into unfair practice of lying to there customers in which can and will lead to litigation. I have tried 3 times to resolve this and all 3 times they just say verified without validation or proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been paying the required monthly payment plus some since my repayment terms started in 2008. My loan payments were supposed to end this year and then Navient changed that and now somehow my loans extend into next year and beyond. I was supposed to be done this year according to when I had my loan with XXXX XXXX and now I still have like {$5000.00} left somehow. I pay the required amount every single month I do n't understand how I still owe so much on my loan. It does n't seem right

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PNC Bank N.A. (OH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XXXX XXXX, XXXX I called PNC bank credit card services to have PNC remove a late charge. My credit card payment is always due on the XXXX of every month and I paid {$100.00} on XXXX XXXX to PNC through my financial institution online bill pay. PNC decided to post my payment on the XXXX, which cause a late fee of {$25.00}. PNC refused to remove the late charge because of a removal of a previous late charge in XXXX of XXXX. I escalated the issue to PNC escalation team because the supervisor from XXXX XXXX XXXX refused to remove it. XXXX advised me to send a letter about my issue and stated the late fee is valid even though I explained my bank took my {$100.00} on XXXX XXXX, but PNC decided to post my payment on the XXXX. I do not make late payments constantly and I did make my payment before the due date, yet PNC is refusing to remove a late charge that is not valid. This was the worst customer service experience and I have been with PNC for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (MA).
Issue: Struggling to pay mortgage

Complaint: in XXXX of this year, XXXX our loan was once again sold. we were previously accepted by XXXX XXXX for a modification in XX/XX/XXXXXXXX with no notification were sold to Shell Point Mortgage. we have been working with the XXXX XXXX XXXX of XXXX XXXX with a contact of XXXX XXXX. she has multiple times along with myself reached out to shell point for assistance in litigation department. months after the purchase we were given a point of contact finally. all paperwork was sent over and over again and sent to underwriting. the income was not correct, they had an old employer never included the profit and loss income and when questioned only apologized and asked to restart all over again. we complied. resent all current paper work. each time we send in new paperwork, something else is now needed. for the last 4 weeks myself and XXXX reached out to shell point to find out where the modification stood. no response. when finally onXX/XX/XXXX shell point finally reached out, they said because three weeks had past we again needed to update. they said that they were affected by the floods in texas and were unable to contact us. on XX/XX/XXXX i resent updated documents, once again no contact back. when we finally spoke with someone after leaving 3 messages, on XX/XX/XXXX XXXX days after last contact, not only were the updated income needed 2 forms now were also in need of resending that were on XXXX on recorded line told to us were in tact and accepted.not once in any of this time were we told about a sale date or sent documentation of this. today on XX/XX/XXXX there was an auction. we are to be homeless, we have tried to work with this company along with the attor. general office to modify this loan. given the hardship we faced with no intent of them ever working back with us. all we want to do, is modify the current loan and keep our children safe. please let us know how we can do this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: OnXX/XX/XXXX I made an {$150.00} ATM withdrawal at the Wells Fargo ATM branch near my home. The ATM provided me only {$100.00} so it was shot {$50.00}. I went inside the branch and was immediately advised it's not their fault and they have nothing to do with the ATM. I was instructed to leave and call the XXXX number on my card to be reimbursed. In addition I was also instructed to make a second withdrawal of {$50.00} to cover my shortage of {$50.00} from the initial withdrawal. Later on XX/XX/XXXX I called and filed a dispute # XXXX. I have repeatedly asked for a timeline when this will be resolved and have not been provided any date or timeframe for review. I have also asked for a credit of {$50.00} to be placed in my account while they review the dispute and this has not occurred. The branch advised settlement for Saturday takes place on Monday XX/XX/XXXX and they could easily verify that I was not given the {$50.00}. I've still not received my money back. Wells Fargo seems to place barriers to intentionally discourage me from receiving a refund or receive clear guidance on a resolution timeframe. The branch employees do not know or understand the policies of the ATM services group. Perhaps Wells Fargo intentionally keeps funds from certain ATM withdrawals in hopes that customers will not notice or pay attention. This is Unfair and Deceptive treatment of a customer who has never filed a dispute.

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
Consumer complaint received 10-06-2017 about Debt collection (Other debt) with First Advantage LNS Inc. (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Since XX/XX/XXXX, the staff at XXXX XXXX XXXX stole from me. Because they had key access, they would enter my apartment and steal documents, contracts, files, personal information, medications, medical records, food, shoe trees, shoe bags, and antique coins. 

In AXX/XX/XXXX, I refused to renew the lease. XXXX, the property manager and XXXX XXXX, the property owner charged me with a secret, negative credit report through XXXX XXXX XXXX. A secret, negative credit report owes no explanation. No attorney nor district attorney would accept the case. 

XX/XX/XXXX, I moved out of XXXX XXXX XXXX. I was not allowed to witness or be present during my apartment 's final inspection with XXXX and XXXX XXXX. Consequently, my security deposit was n't refunded and the National Credit Audit Corporation was hired to negatively impact my credit score and collect {$86.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AR).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: In  XXXX  I purchased a used car that is financed through  Santander Consumer USA . It was my first vehicle purchase, so I was not well informed about good interest rates and such. While I believed that I was getting an OK deal on a loan, I actually receiv ed one wit h an extremely high interest rate of 20.6 %, which is actually higher than what is allowed in Arkansas, but I was unaware.   In  XXXX   XXXX , my car was repossessed due to getting behind in my payments. My wife and I negotiated with  Santander to p ay a certain amount and avoid having the repossession placed onto our credit. After paying, however, the repossession still ended up on our credit. I also found out that all the payments that I had been making had gone towards interest, and that I had actually only paid {$3000.00} of my principle paying an average of {$400.00} per months ov er 20+ mon ths. My loan was only around {$17000.00}. After further research, I found out about the Arkansas ursury law, which limits the most that any interest rate in the state can be to 17 %, a full 3.6 % less than what I had. I also found out that  Santander  had broken laws like this before and had lost in court decisions about it. This being the case, I would like to challenge my interest rate as well as trying to have the repossession and the late payments removed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Debt collection (Medical) with United Revenue Corporation (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was paid through my insurance and I have called United Revenue Corp several times to explain this to no avail. I have disputed this with all XXXX credit bureaus with no success because URC keeps reporting this as accurate data when it is not even owed to them. I also sent URC a debt validation letter and they never responded to my request but they signed the XXXX card showing that the received the validation request over 60 days ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Loan servicing, payments, escrow account

Complaint: As a follow up to all my previous claims, which I find unreal. I just received a XXXX from Bank of America today which is XXXX XXXX, 2015. The package with areturned envelope is asking again for my XXXX form that I submitted XXXX times inthe course of XXXX months, another application which both items were accepted asof XXXX XXXX, 2015, asking me to fill out these forms again. I find this whole processvery unreal. I am forwarding the information to the agency along with the letterand other relevant documents provided to the bank to the Consumer Financial ProtectionBureau, which I hope will put a cease to these unreal requests with violations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent proof of identity theft to the XXXX credit bureaus they have not acknowledged the information or removed any of the accounts. I have done this on 4 occasions in the last year, i have gotten a police report, ftc affidavit, and requested the bureaus to send me proof of these items that they are saying i recieved gainfully. I do not know what else to do at this point. I have done everything that was requested and they will not remove the items

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