milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/13/2018 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: Investigation took more than 30 days

Complaint: I had a XXXX XXXX credit card where I was late paying, because I was having a financial hardship while trying to get through school. 

I didn't understand credit at the time, being it was my first credit card.Since then I have improved my understanding of finances and have never been delinquent on any other credit card. 

All I ask is for this charge off that I have negotiated and paid to what I could afford at the time, be removed from my credit report. This notation on my report has continuously interfered with opportunities for me that require a credit check. It has been affecting my life for 7 years now.

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 07-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX/XXXX/16, I was notified of a glitch within Transunion 's systems that resulted in all of my inquiries being deleted from my report and subsequently being placed back on to my report. I 've called several times in attempts to speak with the Special Handling department and have either been on hold for several hours or received bad customer service from rude, impatient customer service representatives. 

I 'd like to speak with someone regarding the glitch, as it is against federal law to remove and then reapply the inquiries to my account without notifying the consumer first. Is it possible to investigate this glitch and have someone from Special Handling contact me in regards to removing these inquiries? 

Thank you,

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 05/27/2015 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (NY).
Issue: Managing the loan or lease

Complaint: Acura Financial Services sends me bills with little time before due date every month, just today XXXX/XXXX/2015 I received a bill which due date is XXXX XXXX, 2015 ; the are not complying with all financial institutions regulations to provide bills with XXXX weeks prior to due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2016 about Credit reporting () with EQUIFAX, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Called medical card and XXXX XXXX and they said these company 's are not aloud to bill me I 'm not reliable for these bills

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Debt collection (Mortgage debt) with ProCollect, Inc (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: There is debt that was opened on my account on XXXX XXXX, 2016 in the amount of {$1000.00}, that does not belong 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 05-11-2017 about Debt collection (Medical debt) with Capital Accounts, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I wrote letters to Capital Accounts regarding a debt that I do not owe to them. I received a statement from the original company which is  XXXX   XXXX  for the amount of {$59.00}. Upon notice of this statement I sent a check through my bank for that amount. Capital Accounts had already placed this item upon my credit without any prior notice. They were trying to collect {$110.00}.  XXXX  now they are trying to collect {$89.00}. I have not received any notification from  XXXX   XXXX  that I owed any other amount than what I paid. I sent Capital Accounts a HIPPA letter that I attached as well. I do n't owe this amount and it is greatly affecting my credit as it is false information. They have sent me an itemization print out but it lists every date I have an office appointment with  XXXX   XXXX . I had insurance and have insurance so what was due after my visits were paid. How is it possible to get an statement from the original company that has the correct amount but receive false amounts from an collection agency and it can just be placed upon your credit. I have provided proof of the actual statement from  XXXX   XXXX  and a copy of them receiving the amount that I have paid in full. They failed to provide/perform the following to me : Please provide breakdown of fees including any collection costs and medical charges.   Provide a copy of my signature with the provider of service to release my medical information to you.   Cease any credit bureau reporting until the debt has been validated by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I am a likely victim of the XXXX data breach. The XXXX site says my information " may '' have been compromised. 

Since this breach, I have been trying to place a credit freeze with the three major companies. I was able to do this easily with XXXX and XXXX without any problems. With Transunion, I have been unable to place a freeze after numerous attempts by various mechanisms. 

First I tried online and got an error message that said " We are unable to complete your request. What happened : Unfortunately, your request can not be fulfilled online at this time, based upon the data provided. What to do : Please contact us at XXXX XXXX XXXX XXXX to initiate your security freeze transaction by phone. '' Next I called the number above and provided the requested identification information to the automated system. I got an error message saying that my request could not be processed, so I would be transferred to an agent. 

No transfer occurred. I heard a beeping signal and then Transunion hung up on me rather than letting me wait to speak to an agent, or leave any information for an agent to call me back. 

I have tried all of this multiple times. 

I looked on Transunion 's Contact page. No numbers were listed for credit freezes other than the one that did n't work. 

This is completely unacceptable. Transunion must provide a working mechanism ASAP for me and all other customers whose data they hold to initiate a credit freeze.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: 3 years ago my ex-wife and I went into a branch at Wells Fargo to remove her from my account and to get her a new account by herself. The banker we met with did not take my wife off my account and then somehow joined my wifes new account with my already existing account. On XX/XX/18 {$300.00} was taken out of my account because my ex-wifes account was over drawn. On XX/XX/18 {$50.00} was also taken out of my account. After finding this out we both went down to the bank to fix this and finally have her removed from my account and to have my money refunded to me. The bank took her off my account but refused to return the money that was taken from my account.

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 11-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I lost my husband and I have been devastated the past year, barely able to function. I was told that I could not do anything with this home until the probate went through and approved by the court. Finally at the end of last week it was approved and it was given to you immediately. You have postponed the sale for 30 days to allow the probate to go through and as of yesterday I was told that SPS will not give me 45 days to close this home and to pay them off in full. That they are blaming me for not contacting them in the past year. 
I have mentally and emotionally being struggling XXXX trying to stay strong for my daughter. I did not understand how this can work and I had a hard time dealing with it. By SPS by foreclosing will be handing over close to {$100000.00} in equity to an investor, this seems like a total mean spirited action. This money can be used to help our raise our daughter, her education and many other things that will be needed. I feel that you have an alternative motive of someone else profiting on this situation. I do n't know what else to believe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am writing to dispute the following information in my file. I recently received a copy of my Equifax, XXXX & XXXX  credit report. The credit report showed credit inquiries that I dont recall authorizing. 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  11/21

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Debt collection (Payday loan debt) with ACE CASH EXPRESS, INC. (CA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I got a phone call from my sister on XX/XX/XXXX, stating at a company was trying to reach me regarding a debt. She gave me the number XXXX and claim # XXXX that they gave her. I called the number and didn't hear how they answered or the business they were with. They asked for the last 4 of my SSN and then repeated the entire number back to me. They told me they were contacting me about {$800.00} I owed Ace Cash Express from XX/XX/XXXX and asked if I intentionally closed my old bank account because they were looking at legal ramifications. I told them I never closed the account and it was never intentional, but I was going through a rough time and had paid the debt down to {$600.00}. I asked them the name of their company and they told me " This is statewide. We are a pre-litigation firm. '' They asked if I'd been served to appear in court at work or home and I said no. I told them I could pay the debt next month and then they said they needed to pre-qualify me for a payment arrangement and asked how often I got paid. I then asked them to mail me something in writing so I could verify the information. They refused, saying that if they did that, they couldn't help me and the company would be forced to have me appear in court. I told them I was just asking for verification of the debt. She told me she would transfer me to case management and when I said I just wanted it in writing and she wasn't helping me, she tried to transfer me again. I cut her off, saying to have a nice day and she screamed into the phone " have fun in court! ''

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Experian sent back a partial response on XXXX/XXXX/2016 stating that the will respond within 60 days. By law they do not have 60 days. Experian has 30 days to respond to my complaint. Case number : XXXX this is the number connected to the case.

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 09/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Navient has added and removed my student loan from my credit report. It reports negative XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. This caused my scored to drop almost XXXX points. Now it shows improved account went from derogatory to current XXXX. There has been no change in status if this account. It was in forbearance due to me having XXXX. The agency does not consistently report the account. The information is incorrect and they are not fairly reporting it. As my score increases or when an inquiry comes in they seem to report it as derogatory but then make an adjustment showing its current without notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Mortgage (VA mortgage) with loanDepot.com, LLC (AZ).
Issue: Trouble during payment process

Complaint: Loandepot de fied any wrong doing, but, demanding payment of late charges and late payment which we never have ever sinc e. Dishonest, manipulati on toward financial scams with illegal late charges and other deficiency activity to gouge us financially including insurance and tax after they were told I am tax-exemption, "   XXXX   XXXX    XXXX  veteran ''.  XXXX   XXXX   XXXX .  XXXX   XXXX  Veteran we end up sold our house, due to dishonest fraudulent activity they put us through since late  XXXX   XXXX   XXXX ,   XXXX   when our home was sold. We felt lots of  XXXX  and pressures from Loandepot 's dishonest services through-out those years I mention here-above. this aforementioned surely is n't healthy for us, but putting us under lots of unhealthy  XXXX   XXXX . To which my (  XXXX  ) classified & verified   XXXX   XXXX    XXXX  and among other VA medical history during my Military services does bothers me big time still. therefore, punitive damages and compensatory damages must award for the defendant 's negligence and egregious repetition of dishonest and consumer frauds ever since.     furthermore, our home sold on  XXXX   XXXX ,   XXXX  , and Loandepot still not refunding us money that they owed us : such payment made in advance for the month of  XXXX    XXXX  , interest, tax, and principle Sincerely :  XXXX ,  XXXX   XXXX  &  XXXX   ( wife  )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Credit card () with AMERICAN EXPRESS COMPANY (MI).
Issue: Advertising and marketing

Complaint: I am writing to let you know of the " shady '' business practice by American Express. 

On XXXX I signed up for an American express gold card, in order to receive the miles. After receiving the cards in the mail, I was informed that since I was a previous card holder of American express ( 3 years ago ), I was n't eligible for the points. 

I requested that she close my cards, which she did immediately. Customer agent then informed me that since I did not qualify for the miles/ bonus, that also affected my card membership. Now, I was responsible for the XXXX $ annual fee. I am positive they bury any reference to this exception in fine print, and never at any point did they inform me of this exception. 
Furthermore, the customer service rep told me that my APR would be % 15, since I did n't qualify for the promotion, it was supposed to be XXXX. On top of that, they still allowed me to open the credit, without informing me until the credit card was open? 
Now, if I do not pay they will fine me and this blemish will hurt my credit. 

1 ) Is there no protection for the " common man ''? 
2 ) At what point does the ability of Big business to manipulate the common man become a form of racketeering? 
3 ) How much money is made touting these shady promotional offers? 

I XXXX, to come home to this kind of treatment? I am asking that you stop American Express from this fraudulent practice. 

Futhermore, I contacted my congressional office and they pointed me to CFPB. 
respectively XXXX XXXX XXXX American Express card #

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Debt collection (Other debt) with CONTRACT CALLERS INC (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: RECEIVED FOLLOWING 3 BUREAU CREDIT REPORT MONITORING ALERT. I Called Contract callers and advised the following : 1. They ( Contract Callers ) received a referral from XXXX XXXX in XXXX Illinois of a XX/XX/XXXXbill/balance due of {$54.00}. Contract Callers had sent a letter to my attention at an address in XXXX, Illinois and it was returned. I reside in Massachusetts. Contract Callers then placed a Collection Notice on my credit report. I was told to contact the Fraud Bureau of XXXX XXXX and Contract Callers could not resolve this. I had made contact with the utility company back in XX/XX/XXXX and had previously reported with all agencies of my identity being stolen. I had filed a report with my local ( XXXX, MA Police department as well as XXXX, Illinois Police Department. This has yet to have been resolved after 2 years of continued issue. 

XXXX - NewTrade Alert Date XX/XX/XXXX Alert Type New Account AccountNumber XXXX Creditor Name CONTRACT CALLERS INC Industry Type Other Collection Agencies Address CONTRACT CALLERS INC. CCI XXXX XXXX XXXX XXXX XXXX XXXX XXXX City XXXX Zip XXXX State GA Phone N/A Amount Delinquent N/A Account Balance 54 Payment Status Collection/Chargeoff Creditor Preferred Contact Other Consumer Statement Placed for collection

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 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: The XXXX XXXX XXXX XXXX have inaccurate information on my Credit Report that has been removed 4 times and they are constantly putting it back on my Equifax Credit Report and raising the balance. It 's over 10 years old, incorrect and they are violating my Constitutional Rights. I will be filing a Lawsuit in Federal Court against Equifax and The XXXX XXXX XXXX for this erroneous act.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Debt collection (Credit card) with Leading Edge Recovery Solutions, LLC (MN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I asked Leading Edge Recovery Services/XXXX XXXX to not call me during work hours at my work phone number as I can not use work hours or work equipment for anything non-work related during work hours. They have persisted with their calls to my place of employment. The person calling is named XXXX XXXX. They say they are calling about XXXX XXXX XXXX but are not XXXX XXXX XXXX themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (Medical debt) with Professional Recovery Management (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I lost My Social Security And report to police and they can delete some Account i have on My Credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I paid my car loan off on time and paid off other bills on my credit report and my credit score drop down very low from XXXX to XXXX when you pay bills off on time how they take my score down .now I can not get a car loan because my sore is very low .I was told my score will go up it went down.I talked to the three credit Equifax, XXXX, XXXX. I talk to them around XX/XX/XXXX-XX/XX/XXXX ..

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX I checked my credit report and all inquires were deleted. As of XXXX XXXX I checked back and now they 're replaced back on my credit report which has brought score down significantly.

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 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: TransUnion charged me {$1.00} for my " free credit '' report. They then contacted me via email stating that I had signed up for a year long {$19.00} a month Credit Service for a year which I did not. TransUnion and have not responded to my emails.

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