milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I seen a few inquires which I did not authorize or apply for credit added to my credit file. I contacted the companies and the credit agencies and placed a fraud alert and an additional XXXX inquires were added. What do I need to do to remove these and stop any additional inquires I thought by adding the fraud alert on no new inquires would have been added and that did not happen. 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 07/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Bonneville Billing and Collections (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Bonneville Collections for a {$260.00} XXXX bill. Agreed to make XXXX payments XXXX in XXXX 2016 and the next in XXXX 2016. 
Made first payment of {$110.00} on XXXX/XXXX/16. 
Received a voicemail on XXXX/XXXX/2016 at XXXX. 
Returned phone call at XXXX on on XXXX/XXXX/16. 
Talked to a representive named XXXX. 
XXXX did not know why the collections company contacted me than demanded when will I be making a payment. 
I informed him that I just made my first payment a week ago. 
XXXX continues to ask me when will I make another payment. 
I let him know that this is harrassment to call and demand money when I just made a payment only a week ago.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a charge off with  XXXX   XXXX  Bank that has been paid and is reporting as a paid charge off on my credit report but they have a company that also reported a collection onto my report that is showing a balance for the same amount that I already paid and was reporting it as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Debt collection (I do not know) with CITIBANK, N.A. (AK).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX/XXXX/2009 I was sued by CitiBank while I was going to XXXX for college. I was working full time and going to to XXXX full time, but I did not receive any indication that someone was attempt to collect a debt from me or notice that I would have funds that came out of my student loans for college would be sought for as damages. When I was going to pay for my next semester of XXXX my student loans had been garnished from my bank account by CitiBank and I was forced to apply for additional student loans to continue school.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My mother, XXXX XXXX died on XXXX/XXXX/XXXX. Shortly before her death, she spoke with me as to her home which she purchased for cash in the XXXX. The property is located at XXXX XXXX XXXX XXXX XXXX. XXXX NJ XXXX. She wanted the property to go to me and my siblings. In the last stage of her life, my sister had to move in with her to take care of her. After her death, I assumed my sister would continue to reside in the home, so I did not pursue selling the property. On XXXX/XXXX/XXXX, I was served with a notice of intent to foreclose on my deceased mother 's property, with a notice that I had 30 days to dispute the validity of the claim or debt. The notice claims that there is a mortgage on the property and I am completely unaware of such. My mother is XXXX and spoke very little XXXX, and understood very little. She was also declining in XXXX and was approaching XXXX. Her driving priviledges were taken away, and she needed help to get by day to day I do not believe she knowingly signed any mortgage, and as such, I responded to the law firm on XXXX/XXXX/XXXX certified with return receipt. It was received by the law firm on XXXX/XXXX/XXXX, and I received NO response. I called them and was told they would get back to me. They never have, and I have called them repeatedly, they always say they will get back to me. I do n't know what else to do, and I am asking for help from you.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (UT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: When requested, Portfolio Recovery Services ( PRS ) claimed they acted on behalf of XXXX XXXX. However, when asked to provide documentation supporting the debt, PRS did not respond in a timely manner. Instead, the company would just send letters saying, " this letter verifies that you owe $ XXXX " but without any supporting documentation. 

It took more than a year to get documentation from XXXX XXXX. PRS never forwarded or provided any proof, even after multiple requests. 

XXXX did not provide notice to me that the account had been transferred and XXXX XXXX refused to provide documentation for a full year. 

PRS never provided any verification documents even though it was requested on multiple occasions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
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 has been removing positive credit accounts from my credit report for the past several months and has been refusing to reinstate those accounts back onto my credit report. With this negligence it has cost my credit score to plummet substantially. They have as of today  XXXX   XXXX ,2017 removed my    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  ,  XXXX   XXXX    is reporting as a defaulted student loan even though it is a credit card account that is open and not closed. I am also an authorized user on  XXXX   XXXX   XXXX  credit cards that they have removed and I am also an authorized user on a  XXXX   XXXX   XXXX  credit card that they have also removed. I have contacted all the  Data Furnishers and they have all re-reported the accounts and Equifax has yet to re-insert the information. This is wrong on so many fronts. This has cost me to my house that I was trying to purchase and has put everything on hold. This has to be taken car of ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I SENT LETTER TO XXXX ON XX/XX/2015 AND NO RESPONSE.

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 10/24/2017 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: Their investigation did not fix an error on your report

Complaint: I am writing to file this complaint because XXXX XXXX Transunion have failed to respond to my request to remove multiple inquires from my credit file that were not authorized. There are numerous inquiries showing on my credit report that I did not Authorize! I have disputed them over 4 times as well as made numerous phone calls regarding this matter and I get the same response few days later. This further lets me know they have not verified these inquires and continue to send me the same generic response. I have asked for signed consent from myself to any of the companies listed verifying I have giving authority to have my credit pulled which I have yet to receive. I am submitting this complaint with you today in hopes that you can help me! 

I understand that the FCRA states that the only permissible reasons for pulling someones credit is for : Firm offers of credit, Insurance, Employment and court order, none of the listed permissible reason apply to me. As I have NOT authorized anyone written, implied or verbally to pull my credit. I also am aware that Credit Bureaus are not allowed to put an entry on my file unless I have authorized it. I

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX left sensitive credit data of over 110 million consumers open to unauthorized access. While pending civil litigation and possible criminal prosecution will determine the extent of XXXX 'XXXX negligence in this incident, in the near-term millions of Americans, myself included, remain at a heightened threat of identity theft now that our data has been compromised.

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 03-11-2017 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My old mortgage company sold the loan to a new company they included charges for things legal fees and inspections that I never agreed to pay for in mediation. Now I 'm being hounded and my mortgage has gone back up

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Portfolio Recovery Associates, amount of {$920.00}. I have disputed this item several times and Portfolio Recovery Associates has not responded. Portfolio Recovery Associates has reported this information to my credit reports as this information does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (NJ).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint: I went to 6 different new car automobile dealerships and they all had the same preprinted contract which I was told I had to sign and thereby agree to arbitration should any problems arise with my new  XXXX  or its financing, with Chase Bank and the dealership picking the arbitrator and that I must do what their arbitrator decides ; this is un-American and unfair. It is duress and coercion.     I tried crossing out that/those clauses and I was told the bank and  XXXX  would not approve my loan because I can not cross out and initial their contract even though it is both one-sided and detrimental to my best interests.     Therefore, a new contract was given to me to sign even though it was against my best legal interests and totally in favor of Chase Bank and  XXXX  car company.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Other debt) with ERC (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I was unaware of the said debt and was not notified about the debt. The debt appeared on my XXXX credit report on XXXX XXXX, 2017. I immediaetly filed a dispute and neither XXXX nor the debt collector was able to provide me with debt validity. This collection was also removed from both XXXX and XXXX as well because the company was unable toshow proof of the account. XXXX  responded to my dispute by stating that it was verified by XXXX XXXX XXXX. I did recieve any inforation concerning debt from XXXX or the collection agency. This account is reporting negativley on my XXXX report and causing me credit issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Upon request for validation and dispute of a debt with XXXX I RECEIVED THE ATTACHED letter stating the account was sold. The dent was not validated yet the trade line continues to appear 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 05/26/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: this debt showed up on my credit report and i do not own this,, it is not my debts.please contact credit reporting company and have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (UT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX I notified the three major credit bureaus that an account from XXXX XXXX was being reported on my credit report, I informed the that the account was open by my ex-husband when I was out of the country, The account was open on XX/XX/XXXX however I was out of the country and I retuned on XX/XX/XXXX. On XXXX I received responses from the credit bureaus, they claimed that they verified the information and that the account information was correct. On XX/XX/XXXX I notified XXXX XXXX that the account in question was opened with out my consent and at the time I had no knowledge of the account. The Account was opened by my ex-husband. I provided a copy of my passport showing that I was not on the United States when the account was opened however they neglected to acknowledge this and they just stated that they reviewed their files and that the account information was correct. Also they send me a separate letter stating that they sold the account to a collection agency. XXXX XXXX has neglected to acknowledge the fact that I did not open the account and that i was out of the country at the time, they have not also provided proof that the account belongs to me.

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 07/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Skagit Bonded Collectors, LLC (WA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This is with regard to Skagit Bonded Collectors. This collection agency employs my ex-husband. I have requested that, due to my belief that this situation is retaliatory, that they cease all activities and remove the accounts from my credit and their offices. My ex-husband has disclosed the debts to our children, while he was at work. When I wrote a letter of complaint to the collection agency, I received a letter in response telling me they saw no third party disclosure. Unfortunately, I too am a debt collector and know the law. They are not allowed to discuss my debts with anyone other than myself. That includes my ex who not only disclosed the debts to my children violating the law but also disclosed accounts that were placed in his employers office. I am asking that, due to these violations, these be removed immediately from my credit report and sent back to the original creditors as noncollectable due to a conflict of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXPERT GLOBAL SOLUTIONS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted all three credit bureaus multiple times XXXX XXXX, XXXX XXXX and XXXX XXXX, XXXX regarding XXXX hard Inquiries and XXXX car loans on my credit report that is caused by fraud. I have filed a police report as they have asked me and also an FTC Identity theft report. Placed credit on a fraud alert. I have provided to them all this information and copies of the documents as well multiple times. They have n't investigation as they are support to in cases of identity theft. Additionally there are collections that were paid that should be removed from the account. I am requesting this inaccurate account is removed from all three of my credit reports XXXX, XXXX, and XXXX Immediately! I would also like a letter and undated copy of my credit report once this has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit card () with NAVY FEDERAL CREDIT UNION (IL).
Issue: Closing/Cancelling account

Complaint: I contacted the XXXX to obtain Hard Money for a real estate deal I was working on. XXXX suggested and I agreed that he could obtain credit lines instead. As the invoice that I will attach will show, he obtained four credit lines and I was invoiced for them individually. The largest of the lines was Navy Federal Credit Union. On XX/XX/XXXX, 2016 I went to a XXXX and took a cash advance out on the account and paid the invoice due via XXXX to the XXXX as the account was open and in good standing. After that point when I contacted Navy Federal I was informed that my account was closed because I do not qualify for their services. 

My dispute is with the XXXX as they have promised a service and have not delivered yet they have already received payment and also with Navy Federal as someone within their company worked with the XXXX to open an account of which I do not qualify for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We contracted with a local XXXX company to provide a mortgage for a new home until our current home was sold. 
XXXX XXXX, 2014 : XXXX Mortgage sold the mortgage to SunTrust. We paid on time every month ; no delinquencies. 
XXXX XXXX : I requested payoff figures for the loan by phone and senta check for the quoted amount via USPS Next Day delivery. 
XXXX XXXX : I received a letter from SunTrust confirming the payoff amount, covering the period until XXXX XXXX. This matched the funds I sent XXXX XXXX. 
XXXX XXXX : I received the USPS confirmation, signed XXXX XXXX in XXXX, VA. 
I checked my bank and check XXXX had not cleared, so I contacted SunMortgage by phone and they refused to acknowledge they had received the check. I first tried to use the " secure email '' service on their website but it did not work ; I tried XXXX different browsers. 
XXXX XXXX : my check XXXX cleared my bank. 
XXXX XXXX : I received mail from SunTrust saying I owed them additionalinterest and recording fees. I called XXXX for clarification. They told me Ihad not used " guaranteed funds '' so they only applied my check to the principal. 
They obviously cashed the check without a problem, 13 days after they received it. 
I do n't understand how I can be responsible for their bad management ofreceived funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 05-02-2017 about Debt collection (Payday loan debt) with SUN LOAN COMPANY INC. (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On  XXXX , at  XXXX  our office received a call from Sun loans looking for former employee. I said no such person here, please remove our number. On  XXXX  at  XXXX   XXXX , I notice a missed call from Sun Loans. I call back at  XXXX  and ask again to be removed. The agent replied, if we come across the number again we will ignore it. No, you are reached a local union hall please remove our number. We do not have contact information on the person that you are looking for. Agent repeated themselves. I asked for their supervisor. Supervisor was just as rude, repeated what agent said. I became upset at this point and started cussing. I no longer wanted to hear that they might or might not remove our number. I hung up on them. At  XXXX  the supervisor called back asking to speak with my supervisor. Since I am the office coordinator, I said speaking. I told her that I am on their website lodging a complaint against her. She became very rude and unprofessional. ( which i noted in my complaint ) I hung up on her again.  XXXX  then contacted  XXXX  council office to lodge a complaint against me. Which after a conversation with my peer at this office, we laughed and wished each other a good day. I then lodged another complaint against her on sun loans website and contacted the number listed demanding that she be fired for unprofessional-ism and unfair business practices. There is no reason that our local union hall should continue to be contacted when we have asked repeatedly to be removed from their calling list.

Company response to consumer: Closed with explanation