milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter on XXXX XXXX, 2015 about a collection account from XXXX that was placed with Enhanced REcovery and I 've never had XXXX so after speaking to a representative she stated she would be sending the account back to XXXX office as a fraudulent account and once there had been an outcome, I would be notified. I never heard anything from XXXX nor Enhanced Recovery so I assumed the account had been resolved through the fraud department of XXXX. I never lived at the address on file for this account nor did i ever give anyone permission to use my social security number to obtain services in my name. This account was originally with XXXX XXXX 2 or 3 years ago and I disputed it and it was deleted immediately due to the account not being mine. I tried to refinance my vehicle and because there was a brand new collection reporting with this company I was denied for my loan and they they wo n't pull my credit again for another 60 days. I want this account deleted immediately due to never being notified of the ressolution of my fraud dispute before randomly reporting the accountto the credit bureaus. Also after speaking with Enhanced Recovery today I notified that it was no longer with their office and had been sent back to XXXX XXXX so there is no reson for it to be on my report as of today

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-09-2016 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Closing/Cancelling account

Complaint: TD Bank/ Target XXXX should be reporting a ZERO balance. I have submitted proof to Target as well as the credit bureaus and the error is not being corrected. I received a XXXX Cancellation of Debt on this account. I also included this cancellation of debt when filing my taxes in 2015 therefore the balance needs to be reporting as {$0.00}. I need this corrected immediately or this account needs to be deleted off my credit file! I am unable to get the credit I deserve because of this. I am attaching proof.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have attempted numerous times to give TransUnion the opportunity to delete the late pays reporting to these accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX these accounts have not been verified nor did TransUnion respond to my request for method of verification per FCRA Section 611 ( a ) ( 7 ). These accounts have not been late and they have not been verified. I will also be sending this same complaint certified mail for the last time. If no resolution I will be sending a letter of intent to sue. Remove these negative marks immediately for there are damaging my credit score.

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 08/17/2016 about Credit card () with Comerica (IA).
Issue: Other fee

Complaint: I have had a Direct Express Debit Card for several years. I get my SSI electronically transferred to this card on the XXXX of each month and my XXXX transferred to this card on the XXXX of each month. On XXXX/XXXX/2016 my first card expired. Before my first card expired, I was sent a " Dummy '' replacement card from Direct Express. When I tried to activate the new " Dummy '' card about XXXX on XXXX/XXXX/2016, I was told by a Direct Express Representative that she could n't activate the card and it must be a " glitch '' in their system. She said she would send me a replacement card without charge and it would take 5-7 business days, but if I wanted my Direct Express Debit Card in two days there would be a Express Shipping Charge of {$15.00}. She went on to say that once I received the card I should n't have a problem getting a credit for the {$15.00} Express Shipping Charge since the first replacement card that was sent to me could n't be activated. On XXXX/XXXX/2016 I called Direct Express Credit Card Services to check the status of my replacement. I was told that a request for a replacement debit card had not been submitted. A man told me he would submit a request for a replacement card for me, but there is a {$15.00} charge for Express Shipping. By this time my SSI was two days late, the reason was that I had received a " Dummy '' Direct Express Debit Card that could not be activated in their system. After speaking to a Direct Express Representative the second time, I called within two hours and my second replacement card was in the process of being shipped. Direct Express took {$15.00} from my account to pay for the shipping of my second card. I was and am still angry that I had to pay a shipping charge. I have spoke to many Direct Express Representatives and am told that the charge of {$15.00} Express Shipping was a valid charge to my card. I should not have been sent a " Dummy '' Direct Express Debit Card that could n't be activated because of a " glitch '' in their system. I should n't have had to pay for shipping at all. The " glitch '' was their problem. I had to wait at least until XXXX/XXXX/2016 to receive my SSI/XXXX Benefits because of Direct Express Debit Card Services " GLITCH. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/30/2015 about Student loan (Non-federal student loan) with KEYCORP (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have been contacted by Key Bank, employee XXXX XXXX who called my home at XXXX on XXXX/XXXX/15 about a student loan I did not co-sign, for aproximately $ XXXX. XXXX XXXX was very rude, obnoxious and in my opinion used abrasive and harassing language.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I called Navient in hopes of discussing lowering my interest rate, understanding why there was a sudden increase in my monthly bill, and why after years of no missed payments my total amount owed appears to not be decreasing. When I called to discuss the matter they refused to answer any questions about the increase or discuss lowering the interest rate. Instead, they tried to talk me into deferring my loan even though I reiterated the issue was not in making the monthly payments, but in how the money was being applied. After three years of missing no payments, my loan is nearly double the amount it was when it was started, and if they will not even discuss the matter of the 8 % daily interest, it will never be payed, no matter how long I continue submit timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (FL).
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint: XXXX had a data breach, and I was one of the victims of this data breach. Due to the nature of this problem in which my name, license number, social security number, and address were leaked, I felt the need to freeze my credit. I was charged fees for freezing my credit and I feel that this is injust. I am asking to be reimbursed XXXX dollars in charges for freezing my credit, because this was a necessary step that needed to be done after XXXX 's security breach. I should not be charged, and neither should anyone who 's information was leaked due to XXXX 's negligence.

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 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Problem with fraud alerts or security freezes

Complaint: After learning that my social security number may have been compromised in late XXXX, I initiated a security freeze with all three agencies. I have been calling them to find out how I can ensure that the freeze does not lapse. I had NO PROBLEM with XXXX ; they asked what state my freeze was initiated in and said it would expire early next month. They helped me over the phone to terminate the soon-to-expire freeze and immediately initiate a new freeze with a new 7 year time limit. 
Both XXXX and Equifax said they do not allow security freezes to expire. In each of these cases, I reached an overseas call center in XXXX. Even though I cited the Pennsylvania statute stipulating that security freezes will expire after seven years, they insisted they would not. Assuming the PA statute is in force, my freeze with XXXX  will expire on XXXX XXXX, XXXX, and my freeze with Equifax will expire on XXXX XXXX, XXXX. I am concerned that in spite of their assurances, their system will conform to the law and my freeze will be allowed to expire. I plan on calling again on the expiration date, but expect to hear the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: First and foremost TransUnion is the worst credit bureau out of them all. I 've been trying to reach them since Monday, XX/XX/2016. Since I 've reported fraud on my consumer report they make it hard for me to speak with a live agent. On today Monday, XX/XX/2016. I tried 8 times for 2 hours to speak with someone everyone told me that I needed to speak with the Special Handling Team Supervisor. After each time being put on hold for 45-60 minutes just to get transferred to a voicemail where no one ever calls you back. I have a Chapter XXXX discharged bankruptcy that 's reporting on my credit report. After contacting TransUnion I was told that the bankruptcy was verified as mines and that it could n't be removed. I asked the TransUnion representative what could I do? XXXX did an investigation and told me I had a mixed file. I was told by the TransUnion rep to contact XXXX and I did. XXXX sent me a report with their investigation and stated that they removed the bankruptcy. My local bankruptcy court in the XXXX District of Illinois stated that there 's no bankruptcy reporting on my social security number. After XXXX reinvestigation, they have removed the bankruptcy from my report. Please find I 've included my local bankruptcy court communications, XXXX statement of bankruptcy removal, XXXX proof of bankruptcy deletions

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 08/16/2016 about Mortgage (Other mortgage) with PNC Bank N.A. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: In applying for a Home Equity Loan, my bank found a lien on my home from the year 1998. Attached is proof of pay off to companies no longer in existence, but acquired by other companies. XXXX XXXX as shown in attachments was paid {$71000.00} on XXXX. That lien was never released ; security deed is at court house in XXXX XXXX, XXXX, Georgia. XXXX XXXX XXXX and PNC acquired loans from XXXX XXXX and XXXX has investigated and has sent me a letter and per a phone call, that PNC has second part of portfolio from XXXX XXXX, Quote from their letter " We encourage you reach out to PNC who acquired the second batch of loans from XXXX XXXX as my loan was not part of the ones they acquired in first batch. Attached documents should show my stated information. XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 09-05-2017 about Debt collection (Other debt) with Account Control Technology, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XXXX an Item with Account Control Tech ( ACT ) for XXXX XXXX University was placed on my credit. I immediately disputed the debt with ACT as well as the credit agencies and It was removed from my credit report. I also contacted ACT directly and told them I have never attended XXXX XXXX University. They stated that according to their records I was set to attend one class to start my XXXX  and never paid. I told them verbally that I never attended XXXX  and that I inquired about the degree but never signed any documents. They claimed they would look at it. I also sent them a certified letter requesting all of the documentation for the debt. They first replied back with an envelope and form letter with nothing else in it even though it stated they had attached information. To this, I called and wrote another letter. Then they replied back with an agreement that did not have my address on it with no signatures and initials on the document that looked nothing liked my signature. I wrote another letter and called again. This time I received no response. In XX/XX/XXXX ACT placed the item back on my credit.
1. This is not my debt.
2. They have no proof this is my debt 3. They have failed to contact me prior to placing this item on my credit. This is a violation of FCRA Section 809 ( b ).
4. They have failed to notify me per FCRA five days before replacing the item back on my credit.

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 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
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 have a account on my credit that was fruad, I paid off the account because I gave disputed before and account has not been removed .. XXXX XXXX XXXX  This account is reporting incorrectly and does not belong to me and I need some type of validation and a copy of my signature of me opening this account or it need to be removed .. The account keeps coming back confirmed and that cant be since I did not open this account .. I have provided paid off notice and police report ..I also have inquiries that I did not authorize and need these removed or I need validation of these because they are unauthorized.. I also have addresses that is reporting that I was never associated with and need these removed please, I have provided documentation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/25/2016 about Bank account or service (Savings account) with DISCOVER BANK (TX).
Issue: Making/receiving payments, sending money

Complaint: I deposited a check for {$16.00} from reputed company. My balance at the time with discover bank was {$3600.00} +. The check was returned due to funds availability. My bank froze my account without informing me. I found that account was blocked, called customer service, directed to different number. Called the different number and they unblocked the account. I was told Bill Pay check supposed to be out on XX/XX/XXXX ( Electricity Payment ) was not sent out. I could not verify as my Bill Payment rights were blocked again. I went and paid through my other bank account but found Discover sent the check through bill pay but did not honor it though I had more than sufficient amount in the account. Now, I am hit with NSF fees by my electricity provider.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Transunion credit reporting agency is reporting XXXX XXXX inquiry that I do not recognize or authorized. I am asking that Transunion immediately remove XXXX XXXX inquiry off my credit report immediately based on the federal fair credit reporting act. I have requested several times with Transunion to have XXXX financial inquiry to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: the credit bureau reinserted previously deleted information from XXXX and XXXX financial back on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Mortgage (VA mortgage) with GATEWAY MORTGAGE GROUP, LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company does not have proper documentation of my previous mortgage, and the Termination Statement according to UCC 9-513 was never recorded in my county 's registars office. I refinanced with the same lender and now the old mortgage doument has vanished. Then my security on the Note was sold, without notifing me, nor filed according to the regulation. My current mortgage is insured with a title insurance company, with makes the selling of the Security Insurment invalid. The current investor avertisement states, " We only pool uninsured VA/ FHA loans. '' This is fradulent activity and I would like the return of all principle, interest, per diam, and security interest returned to me, and my Note that was sold without my knowledge. Revocation of the power-of-attorney is waranted.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-12-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Trouble during payment process

Complaint: When I attempt to visit my loan servicer 's ( Ocwen ) website to view information about my mortgage, I am told that it does not recognize my login ( i.e. my email address ) and then am informed by the website " Oops! Something went wrong. '' when I attempt to confirm/add my " new '' email address so I can log into their system by providing my loan number, last four digits of my SSN, and my home 's zip code.

This very same issue occurred previously ( approx. 1 year ago ), and after finally connecting with a member of Ocwen 's team via phone, I was assured the glitch had been fixed, but it has clearly not been.

Interestingly, though, in the interim I have continued to receive emails from Ocwen regarding my payment status and offering refinance options at the same address the company claims is not associated with my account for login purposes. As the rate of my ARM mortgage continues to increase above market rates, it sure seems coincidental that Ocwen 's system is still unable ( unwilling? ) to allow me access to my account and information re : my mortgage.

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 02-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Brennan & Clark, Ltd., LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I used XXXX for my payroll services. Last XX/XX/XXXX they really messed up my account. I closed with them and received notification from their supv my account has been corrected. I have the emails. 6 months ago I get a notice from collection agency. I sent them a letter with explanation with proof I do not owe this. They closed their file. In XX/XX/XXXX I recive another collection notice from another agency. I sent them in XX/XX/XXXX certified letter with explanation and to show proof I DO NOT owe this debt. I have not received any explanation and received today another notice that I have made no attempts to resolve this matter and not its an urgency and I am at my final hour. I have proof they received my letter but they have not given me any explanation or a detail of why I owe over {$3000.00}. Again I have proof this is a mistake and emails from XXXX apologizing for the mess up. Please XXXX reversed all charges and gave me credit for future payroll runs.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Consumer Loan (Vehicle lease) with World Omni Financial Corp. (GA).
Issue: Problems when you are unable to pay

Complaint: I obtained a lease from XXXX XXXX XXXX on XX/XX/XXXX. I completed all of the paperwork on XX/XX/XXXX but they kept having problems so the lease date was n't started until XX/XX/XXXX. I received orders to go to XXXX in XX/XX/XXXX. I submitted all of the paperwork that they required in order to turn in a vehicle under the Servicemember Civil Relief Act. After submitting the paperwork I was told that I did n't qualify since the date on the orders was XX/XX/XXXX. I called and explained to them that Soldiers do not get orders on the same day that the orders are published and that it can take months to trickle down to the Soldier. XXXX XXXX told me that they would not allow me to turn it in and they gave me two options, either try to finance the vehicle or to leave the car in the states for the three years while we are gone. We have tried to finance the vehicle but there is no one that will finance a vehicle going overseas. We have even thought about leaving the vehicle behind but there is no way that we could afford a {$700.00} car payment, {$250.00} insurance and {$150.00} storage fee. Not to mention there is no way for the vehicle to be started to it would run into a lot of mechanical issues by just sitting and we will not be in the states in three years to return the vehicle. The only way I am able to make this work is to drop it off and have it voluntarily repossessed but that would ruin the security clearance that I have with the military.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Debt collection (I do not know) with Fidelity National Information Services, Inc. (FNIS) (UT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Debt was included in Bankruptcy

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