milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2015 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: All XXXX Credit Bureaus are reporting Credit Accounts discharged in bankruptcy in XXXX of 2010 as derogatory credit. I have contacted the Creditors and they refuse to stop reporting the credit account as adverse/derogatory as well. 
This is a violation of the Federal Bankruptcy reporting laws and is negatively affecting my ability to obtain credit. It is also a false/fraudulent reporting of the status of my credit since the bankruptcy closure. 
The outsourced phone rooms handling the 'collections operations ' and credit bureau reporting do NOT understand US Bankruptcy law. The " Creditors '' blame the " Credit Reporting Bureaus ''. Neither entity can nor will accept responsibility for the fraudulent/false reports nor will they correct the reports. 
I have perfect credit since my bankruptcy and wish to increase my scores. They are making it impossible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with CORELOGIC INC (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I applied with   XXXX   XXXX   whom use Corelogic to do background checks however I was denied due to too many tenant cases filed which was rectified by my bankruptcy attorney however with this company they keep reporting incorrect information which is preventing from getting a few apartments that I want. As result can this company be investigated for poor reporting practices ... I am sure I am not the only person whom have been defamed by this company is it possible to file a class action lawsuit?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I am requesting my free annual credit report and it only let me access my XXXX report. It would not pull up or let me access my reports from either XXXX or TransUnion.

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 09/22/2016 about Debt collection (Medical) with PARSON BISHOP SERVICES, INC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested debt validation information from Parson Bishop National Collection and have not receive any legal documents that show they have the right to collect on this debt or where it came from. They have reported this un validated information to my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I filed for XXXX XXXX Bankruptcy since XX/XX/XXXX which was discharged XX/XX/XXXX. During the bankruptcy period I was paying my first and and home equity line outside of the bankruptcy. XXXX XXXX XXXX Mortgage is my mortgage company which I had no issues with ; they sent me " informational statements '' each month which kept me informed of balance interest etc. However Green Tree never sent me informational statements although I had requested many times. I was always promised they would come but time and time again did not receive. Even now after a year since my Bankruptcy has been discharged I have not got XXXX statement. I was never informed Green Tree is now Ditech Financial LLC. I realized after receiving my Form XXXX Mortgage Interest Statement in XXXX XXXX and XXXX Green Tree to determine Green Tree is now Ditech. Both Green Tree and Ditech failed to provide me proper documents to inform me my loan was sold or transferred from Green Tree to Ditech. Both companies failed to comply with my request for informational statements while in Chapter XXXX. Both companies failed to provide monthly statement of my balance, monthly payment amount, interest I am paying ( adjustable ) verification of payments received and loan balance even after my repeated request. 
With out knowing my current current interest amount I was unsure if getting a personal loan would be beneficial. Ditech Financial LLC ( formerly Green Tree ) has caused me much time and stress. As of today, 1 year since the discharge of my Bankruptcy I still have not received a Statement.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Debt collection (Medical) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt is to my ex wife as stated on my disillusion. I have told them probably over 60 times in the past two months and gave them her number. I have asked them to stop calling and they continuously call at all hours of the day. They have threatened to call my parents who are n't even apart of the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2016 about Debt collection (Medical) with ALCHRO INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I 've never recieved a bill from this company at all. I did n't even know what it is for. So when I called to inquire about it the supervisor/owner ( XXXX XXXX ) offered me a {$10.00} addition fee on top of what what I already owe to get it deleted as well. Like he was doing me a favor. Under the FPCDA unfair practices, " ... they may not try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt - or your state law. '' I do n't know what kind of business they are running but I am not in compliant with this.

Company response to consumer: Untimely response
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I requested two months ago to cancel my membership and yet I am being BILLED and yet can not access my membership.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Bank account or service (Checking account) with APPLE FINANCIAL HOLDINGS, INC. (NY).
Issue: Using a debit or ATM card

Complaint: In XXXX 2016, I found out that someone had made unauthorized withdrawals from my bank account when my rent check was returned for insufficient funds. I went to the bank to tell them I had been a victim of identity theft. They did not cancel my ATM card. On my XXXX statement, I saw additional unauthorized charges. I filed a police report and brought it to the bank to report the fraudulent charges. The bank representative was very rude and accused my granddaughter of using my card to make withdrawals. The bank representative would not believe that I had been a victim of identity theft. I lost over {$3000.00}. I asked the bank to investigate. They wrote me a letter a few weeks later saying the charges were authorized, but gave no details. Meanwhile, the police have identified the suspect and are preparing to make an arrest.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Based on the Making Home Affordable Program Performance Report through XX/XX/2015, of the XXXX Tier II modification awarded by Wells Fargo, how many home owners from the XXXX XXXX, XXXX XXXX XXXX received these modifications?

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 10-03-2017 about Payday loan, title loan, or personal loan (Payday loan) with CASHCALL, INC. (NE).
Issue: Received a loan you didn't apply for

Complaint: I started receiving emails from this company in XXXX telling me I owed money on a payday loan. I requested that they send me proof of this loan and the paperwork that they sent me does n't have my name spelled right or a signature on it. I do n't recall applying for a loan with this company or receiving any funds and am wondering why it took about 4 years before they tried to get a hold of me. I did pay a company back in XXXX for a payday loan, but it had a copy of a signed form so I assumed it was legal -- but now I 'm wondering. They 've not given me any payment information. They say they will do that after I say that I will make a payment of {$300.00}. I ca n't keep paying these jerks for things that are n't mine and again why wait so long to get in touch with me.

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 11-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There was an account opened with XXXX I have never opened an account with XXXX. I am a victim of identity theft. below you will see. 

Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX Account Type Secured Loan Account Status Closed - Derogatory Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit -- Term 32 Months Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$3100.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XXXX XXXX, XXXX Amount Past Due $ 0 Times XXXX/XXXX/XXXX Days Late XXXX Remarks Charged off as bad debt Purchased by another lender Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 


Creditor Contact Details XXXX XXXX, TX XXXX ( XXXX ) XXXX Direct 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 explanation
Consumer complaint received 01-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The following accounts are showing on my credit report that have not been legally validated and verified. The original creditor has not provided validation and the Court refuses to validate this debt as they can not find any record of it. Please verify and validate it or remove from my credit reports immediately or I will begin litigation. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA :

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 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I noticed a drop in my Equifax credit score. I investigated at XXXX and learned that XXXX made a hard inquiry on XXXX of this year ( 2017 ). I authorized service about a year ago with XXXX but never since. I disputed the hard inquiry with Equifax and they sent me an e-message saying the investigation was complete on XX/XX/XXXX. The inquiry was said to in line with the Fair Credit Reporting Act. Well, I knew I did n't authorize this inquiry so when I found time I tried to appeal. I can not access the investigation report because of an " Internal Server Error '' so I called them and looked for an appeal. I want to know what type of investigation Equifax does when consumers dispute something. If they just asked XXXX if the inquiry is authorized and they simply reply that is, why should anyone waste their precious time?! Nobody on the phone could do anything but read scripts. I ca n't see how any legitimate attempt was done to honor my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Debt collection (Federal student loan) with Account Control Technology, Inc. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Account Control Technologies ( ACT ) contacted me several months ago in reference to my student loan debt via telephone. I repeatedly asked during the phone call to be sent information detailing the acquisition of control over this debt, and was repeatedly told that they could n't send me any information, that it was up to me to contact the XXXX. My tax refund was recently seized by ACT, and when I contacted the XXXX I was told that they could n't give me information about the debt, and that ACT was the only XXXX to speak with. I was told that this payment was made to them almost a week ago, and I have received no paperwork from any agency of any kind ( public or private, state or federal ) relating to the seizure of my entire federal income tax return. I need to know how I can rectify this situation that is rapidly spiraling out of control.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Mortgage (Conventional fixed mortgage) with TOLL BROTHERS INC (FL).
Issue: Application, originator, mortgage broker

Complaint: Why do Homebuilders not allow borrowers the right to choose a different mortgage lender than the XXXX they force yo to apply with.? It is unfair practice to force you to use their lender in the process to buy a home. 
Toll Brothers, XXXX, and XXXX XXXX engagin this restricted practice.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I submitted 4 dispute requests, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in regards to tax liens on my credit report. They were not verified but were not deleted from my report. Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, SSN and DOB in order for it o appear on your credit file. The credit bureau does not have the verifiable information and the Tax liens should be deleted from 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 11/19/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Problems caused by my funds being low

Complaint: My bank account unexpectedly became overdrawn last night by {$1.00} due to the fact that a {$30.00} mobile deposit was not credited. A couple concerns are ; ( 1 ) I did n't think a bank could charge an overdraft fee for a debit transaction that caused the account to be overdrawn by less than {$5.00}? ( 2 ) It was my understanding that I had until XXXX to make a mobile deposit to be credited the same day? Seems ridiculous that a {$1.00} overdraft can generate a {$35.00} overdraft fee!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have a large college loan through Navient. When I came upon financial hardships, they never offered me a re-payment option. Instead, I was told that I could put it off and if I was lucky, I would n't have to pay for 25 years and could just write it off on my taxes. Needless to say, there would be a huge penalty for doing that. 
Nobody has ever tried to assist me on this, the information was not presented in a clear manner and I am frustrated. 
I feel as though the company is only interested in how much money they can earn from my hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Consumer Loan (Installment loan) with PNC Bank N.A. (TX).
Issue: Managing the loan or lease

Complaint: Regarding PNC Acct. No. XXXX. 

The purpose of this complaint is to compel PNC to delete the XX/XX/XXXX payment information currently reported by XXXX and XXXX regarding the above-mentioned account. 

Based upon data provided by PNC Bank, XXXX and XXXX currently report that the XX/XX/XXXX payment of the account greater than 30 days past due ; however, PNC Bank 's website reported a payment was scheduled to be made within 30 days of the XX/XX/XXXX due date. 

By default, PNC 's website displays a false " Next Scheduled Payment, '' which reports a false payment amount and false payment date, each and every month that a balance is due. 
By way of example, the attached Line of Credit Account Statement states that a payment of {$45.00} is due on XX/XX/XXXX. A screenshot of my account on XX/XX/XXXX states " Next Scheduled Payment : {$90.00} XX/XX/XXXX '' However, no payment was made on XX/XX/XXXX. 
I called PNC Bank 's customer service number on XX/XX/XXXX and spoke with a representative named XXXX, who stated that the XX/XX/XXXX payment being reported on PNC Bank 's website was an error. I also spoke to his XXXX, XXXX, who also confirmed that the payment being reported for XX/XX/XXXX was an error, and confirmed that the website contained an error. 

During the month of XX/XX/XXXX the website reported in the " Next Scheduled Payment '' field, that a payment in the amount of {$230.00} was scheduled to be made on XX/XX/XXXX, when in fact NO such payment was scheduled. 

PNC 's website contains an error, which is fraudulent and misleading. I relied upon the information provided on PNC 's website and did not take additional steps to satisfy the payment due in XX/XX/XXXX. As a result, PNC should delete the XX/XX/XXXX payment information with the XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Bank account or service (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Deposits and withdrawals

Complaint: BMO Harris issued me a new chip debit card to replace my old chip debit card as part of a rollout. When I called to activate the new card, I was told by the representative I could destroy my old card. After destroying my old card, the representative stated for some reason a pin was not attached to my new card and they would have to mail one out. This was on Friday, XXXX XXXX at XXXX am. I was guarantee by the manager I spoke with that it would be in Friday 's mail and I should receive it in 2-3 business days. I was informed without the pin, my card would not be useable but if I wanted to go to a branch during their business hours I could withdraw money from a teller. On Wednesday, XXXX XXXX, I called BMO Harris again after not having received my new PIN number. I was hung up on by XXXX and then told by XXXX that my old pin should be valid, I just need to go to a branch to check. I informed XXXX of the phone call I had with the manager on Friday and that my work schedule does n't allow me to go to a branch during business hours. I asked if there were any offices open later and was told no. I have been without access to my paycheck and using credit cards because of BMO Harris ' XXXX up and they do not want to address or fix the issue.

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 07-01-2016 about Bank account or service (Other bank product/service) with PNC Bank N.A. (FL).
Issue: Account opening, closing, or management

Complaint: I signed up with PNC Merchant Services on XXXX/XXXX/2014 for a simple merchant account ; an account with no monthly fees. I specifically told XXXX XXXX that I was not going to be processing credit card payments on a regular basics and did not want to pay a monthly fee. Now, almost two years later, PNC starts charging me {$19.00} fee per month. I contact them and they informed me they sent a letter to me XX/XX/XXXX ; I never received the letter and I told them. They assigned me a person XXXX XXXX, XXXX, to resolve the issue for me about the fee and about cancelling my merchant services account ; he did absolutely nothing - they are crooks. XXXX told me that I signed the contract and agreed to a fee, if I did not process {$60000.00} a year in credit cards and that I signed the contact stating, agreeing to keep the account for 3 years ; I was not aware of either of these things. These are key things that XXXX XXXX should have pointed out to me. I never would have agreed to processing {$60000.00} a year in credit card payments or to keeping the account 3 years. The figures XXXX put on my application for XXXX and XXXX amounts, I did not give them to her ; she put them there on her own. She is responsible for letting the customer know all these things but she did not tell me anything. PNC Merchant Services is a rip off and is designed to get customers sucked in for long periods, so they can make a profit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Hello, My compliant is with the TransUnion Credit Reporting Agency. I have disputed many times and IRS sent a IRS Tax Lien Withdrawal Notification to all XXXX credit reporting agency to remove a federal tax lien dated XXXX/XXXX/2010. Please I need your help to make TransUnion comply with federal regulations. Also, TransUnion should be investigated because they seem to understand that the 10 years a tax lien reporting requirement is from the date the tax lien is paid, which is incorrect. The 10 years a tax lien may report on a consumers credit bureau is 10 years from date filed. This is undoubtedly affecting millions of consumers who do n't understand the Fair Credit Reporting Act. Thank you, 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 explanation