milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Date of Birth : XXXX XXXX Social Security Number : XXXX There is a tax lien on my credit report with XXXX and Transunion that should not be reported. I have attached the documents showing paid. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/16/2017 about Payday loan, title loan, or personal loan (Installment loan) with Conn's, Inc. (TX).
Issue: Problem with the payoff process at the end of the loan

Complaint: On   XXXX    XXXX , 2017 I paid my conns account in full on the phone with a customer service rep in the amount of  XXXX . This company has yet to close my account and this has caused several negative marks to be placed on my credit report. I 've been in contact with conns everyday asking them to close my account and to remove the credit markers. They 're offline department has admitted fault and told me my payment was not applied to my account because of the rep error. Customer service has yet to close my account and they keep telling me the account is processing for closure and it could take 3 billing cycles. Mean while I incur more negative credit markers. Please help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have incorrect info on my credit report. I do not know of this info it does n't belong to me These are the itmes that do not belong to me XXXX XXXX {$5400.00} XXXX XXXX  {$2000.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX {$590.00} XXXX {$140.00} XXXX XXXX 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
Consumer complaint received 02/22/2016 about Bank account or service (Checking account) with PNC Bank N.A. (IN).
Issue: Problems caused by my funds being low

Complaint: I suspect PNC processed my transactions in such a way as to generate overdraft fees. They will continue ripping off their customers until authorities do something. Penalties for overdraft are abusive, at {$36.00} / item. This bank collected {$140.00} in fees after putting my account into overdraft, and charged me {$36.00} for a {$10.00} transaction. Had the transaction been processed in the order they 're received there would n't be a fee. How are these banks allowed to get away with this? Please let me know how I can participate in the next lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dozens of promises from XXXX to remove a fraudulent credit inquiry from my report. I have been told DOZENS of times that the issue is resolved but Equifax insists that XXXX has not contacted them. This is from a VERIFIED ID THEFT incident in XXXX of 2015 ( NOT A TYPO )

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Debt collection (Other debt) with National Credit Systems,Inc. (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: The debt appeared on my credit report in XXXX XXXX 2014. It lists an apartment complex that I never lived in, stating that I owed a debt for it.They started calling me telling me that if I didn't pay the amount of {$2600.00} I wouldn't be able to get an apartment and giving me quotes from customers saying that the debt with them ruined their credit and they needed to pay it off. Being a young college student, I paid {$1100.00} total and then I did research and saw that their tactics were illegal and that I could dispute the collection. I tried to dispute the debt countless times and they called me almost daily telling me that I needed to pay this off at all hours of the day and night. Last year, I gave them a cease and desist letter and they haven't contacted me but still haven't removed the debt that was never mine. They were never able to send me a signed contract validating the debt. I do not owe this company.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I was informed all paid medical collections should be removed, two old paid medical accounts are still listed. These items were disputed and nothing was removed. Why is n't Equifax complying with the law? Please help assist

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. (TX).
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: Several times I have communicated with chase bank, XXXX and TransUnion to notify a mortgage account that does not belong me. The account reported in my credit is XXXX XXXX XXXX XXXX * XXXX. This account I try to fix this problem and sending the evidence that I found in XXXX XXXX county clerk. Even with the evidence XXXX XXXX, XXXX and Transunion do not answer to the investigation as the law required. I want that they present the evidence that they have or otherwise this account must be erased of my credit report immediately.

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 02/13/2016 about Debt collection (Medical) with Dynamic Recovery Solutions, LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Someone completely fabricated a debt and sold it to a collection agency who in turn hired an attorney who filed and received a judgement that is still in the court records and on my credit reports = The debt was said to originate from medical bills due to XXXX XXXX XXXX - XXXX XXXX, I called both agency ; s billing departments and they said I have no debt with them and they never turned over any debt to a collection agency = This debt is COMPLETELY fabricated and is harming my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-07-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've been dealing with the same problems year after year since I turned XXXX ( I 'm XXXX now ) when trying to check my credit, and while looking at my credit. FIRST, the questions that they ( the agencies, to be specific ) ask to verify my identity ( " your mortgage loan '', " your retail card '', etc ) HAVE NOTHING TO DO WITH ME!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! THEY ARE NOT MINE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Second, when I finally manage to view my credit report, there are fraudulent items that were created BEFORE I WAS XXXX ( I believe there are still, there were last year, but I am not able to check my credit AGAIN because of the questions that I do n't know, and that 's why I 'm here, again, because no one is doing anything ). And last time I was here, you all had a glitch with your site where I could not check the status of my complaint. I hope that is fixed now. Can I catch a break PLEASE. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (Payday loan debt) with Alliant Capital Management LLC (OH).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: The person managing my account at Alliant Capital pressured me into an agreement that was not fair, timely nor consistent with other pay day lenders repayment plans. I agreed to the payment plan on XX/XX/2018 due to the insane pressure, however, I decided to use my bonus to take out a loan from my 401K so I could pay all my debt and not file bankruptcy. I called Alliant Capital back onXX/XX/ to advise them I could not pay the XXXX on XXXX but I would have all the money by XXXX to pay the settlement. I also questioned why their settlement was so high asking for more interest and fees removed. I borrowed XXXX and paid XXXX. They are asking for XXXX. I kindly asked for a little more time and could even show proof I have requested money from my 401K. I reiterated that it was crucial to withdrawal this money so I could pay all my debts and not file bankruptcy. She was nasty, loud and did not care about anything I had to say. refused to cooperate, threatened me, and would not even consider asking for a little more time. Did not even offer a small payment for good faith this month and I could pay the rest in XXXX when I received my payout. She lectured me, pressured me, accused me. Every other lender I am working with has been more than willing to work with me and be kind. I ask that the company and she be reprimanded for their behavior, stop threatening tactics and be willing to work with the client. Obviously, we are in this situation because we are in a financial hardship. I would rather take a hit on my 401K versus filing bankruptcy. I ask that this company work with me to come to a fair settlement agreement. I'm sure I'm not the only customer who has been treated this way. She should have done everything in her power to work with me. Not lecture me, raise her voice, offer no solution, threaten to sue me, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX sold my loan to NationStar. At the time neither bank wanted to accept my monthly payment. Each was saying it went to the other.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: The verifiable credit information choices to verify my identity, with Equifax, is all wrong. None of the choices pertain to me and I can not get my online credit report with them that I am allowed and owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2016 about Credit card () with PAYPAL HOLDINGS INC. (GA).
Issue: Advertising and marketing

Complaint: PayPal has " simplified '' their PayPal Credit process to the point that it 's very difficult to understand that XXXX is applying for credit. I was assessed a {$25.00} late fee on an account that I did n't even know I owned! They cite terms and conditions ... but the real issue is that their process is so frictionless that it 's hard to know it 's there ... .it 's not about T 's & C 's. I have closed my credit account ( and my wife closed hers ), and filed a complaint with them. But it seems to me that the seedy operations for which you have already fined them is continuing.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Consumer Loan (Installment loan) with CASHCALL, INC. (MD).
Issue: Managing the loan or lease

Complaint: I currently reside in XXXX, but this loan was established online when I lived in XXXX, XXXX My first challenge is the validity of the loan since it is prohibited in XXXX, XXXX XXXX. The other, is the interest rates originally 135 % then reduced to the current rate of 84 %. This seems more than the law allows based on XXXX usuary laws. I have already paid XXXX / Cash Call more than my original balance of {$2600.00}. Additionally, the amount I owe is more than the original balance. I offered to settle for an amout XXXX to give, {$800.00}. They declined and countered for nearly {$2500.00}. I advised them that I have been out of work since XXXX 2015 and could not continue to maintain this loan. Today, they called asking when my payment will be made, Due on the first of each month. I advised the rep. that I no longer wanted to be contacted regarding this matter as my last offer was my best. The call was discontinued.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Debt collection (I do not know) with Medical Data Systems, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They keep calling me from XXXX and they say it is about a personal matter. I ask them what it is in reference to and they say after they verify that this is the correct person they will tell me what it is about. They are a debt collector but do not identify themselves as such. According to federal law if they are a debt collector they must identify themselves as such. Please see attached documents to show that this number is flagged as spam and telemarketer and debt collector.

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 03/13/2017 about Student loan (Non-federal student loan) with Performant Financial Corporation (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Over the past month and a half I received 2-3 phone calls every business day between XXXX am through XXXX pm. When I would call back they were rude, demanded payment, and threatened to deduct my pay.

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 10-05-2016 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax has ignored my request to provide me with documents that their company has on file that were used to verify accounts that I disputed. Being as though they have gone past the 30 days allowed and that they did not provide me with my contracts with my signature, they are required to promptly delete, under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Mortgage (FHA mortgage) with PNC Bank N.A. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX my husband and I put our home up for short sale with a Realtor and their attorney for short sales our Mortgage Co is PNC it has been nothing but a nightmare since they were told by the attorneys office to cease and assist and contact them only they did not every month we where inendated with paper work when it was complete they told us we ran out of time and they can not use what was sent. we have lost 3 buyers going on 4 because on XX/XX/XXXX the house is going to forecloser. Their lastest antics ask asking for a trash bill which we do not have and this was told to them in XX/XX/XXXX when we first started this short sale. They are impossible. The emotional and mental distress they have put us through is overwhelming and it has to be stop so one else has to go through it.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Debt collection (Credit card) with CITIBANK, N.A. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX contacted me XX/XX/XXXX for a debt to CitiBank. I made payment arrangements to pay off the balance from XX/XX/XXXX to XX/XX/XXXX ... completed the payments and paid off the balance. XX/XX/XXXX received a call stating that I still had a balance, basically equaling 1 monthly payment. Asked for verification and received a letter with all payments made, totaling more than the original balance and a list of Fees and Interest charges from XX/XX/XXXX ( some that were charged after I started the payment plan ). They refused to give me any clarification on what those fees were for, or which ones were interest charges. When I asked for further explanation and documentation they said they were going to close the account as being disputed and hung up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/31/2017 about Debt collection (Medical) with PDQ Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I went to see XXXX XXXX XXXX XXXX in 2013, to get XXXX, on my first visit was the XXXX exam and how much my XXXX would cost me per XXXX. I give them my XXXX insurance card and a voucher of {$120.00} for my XXXX or XXXX. I was told that my exam was {$120.00}, I let the lady at the front desk know she can use my {$120.00} voucher to pay for the exam and XXXX will take care of the remaining balance. I told the doctor I would have to come back for my XXXX, do to money problems. The doctor told me to use the XXXX trials for two weeks to see if I would be happy with them. Once my two week was up, I went back to order the XXXX that 's when I was told I had a outstanding balance. Of which I never received any XXXX nor XXXX from them, I only received an exam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I paid my account on the XXXX of XXXX - Capital one did not credited the payment until the next day which result in a past due fee. This is not my fault, I need this fee removed from my account. This happens often with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am buying a house and the mortgage company reported that they were only able to see XXXX ( XXXX ) score. That score is by Equifax. I tried to purchase a XXXX bureau credit score by Equifax but instead they send me a copy of my credit report which I already have from the mortgage company. Equifax has a policy that if you purchase a one time copy of your scores or report it is non-refundable [ Buyer Beware ] .Their XXXX bureau score report is XXXX Neither XXXX nor XXXX scores are available. I would be able to get a better rate if those other scores were available. We tried myFico ( twice ) and called XXXX/XXXX/16 and the same problem. I have tried twice and gave up. When I try to go online and purchase those scores, they are always unavailable and they refund me my $ XXXX.Twice!! 
The agent at XXXX said he can see my score. But when I tried XXXX.com, they want me to purchase a 7 day Trial credit monitoring subscription and then {$19.00} thereafter before I can get my score. I refused because I only want a copy of my score which the agent says cost {$9.00}. THERE IS NO EASILY VISIBLE LINK ON XXXX to purchase such a score for such a price. To date I am still unable to get my scores

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I have a second mortgage with Ocwen Loan Servicing. After an principle payment online in XXXX 2016. Ocwen has since then inaccurately given variations in principle balances and fees. Online and paper statements have been confusing. After waiting 3 weeks to speak with personal relationship manager, no adequate response and was given another appointment was given to have them research it. I have been current on my payments to Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax was breached by hackers today X/X/2017 and I checked to see if I was a potential victim and I am. Formally filing a complaint against them for leaking personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit reporting () with Capital Accounts, LLC (WV).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I disputed the validy of an account listed on my credit report as it 's not mine. I had fraud on my SSN as I had reported to the credit bureaus and they placed a fraud alert on my file. The credit bureau removed the account because it was never validated by the company. Then once the company got notification the account was deleted they reinserted it the same day without my 5 day notification. I disputed this information they sent me copies of medical bills for XXXX people I do n't know who they are. I then filed a complaint with the XXXX case ID XXXX and I just received an email stating that the case will remain unresolved because the company will not cooperate basically and the report will be on their XXXX file for 3 years. Again I state I do n't know anything about this account or people and I need it removed as it is hindering my credit worthiness. The company name is Capital Accounts LLC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I noticed in my credit a collection under my name XXXX XXXX and the debt is not me. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Account # XXXX Creditor : XXXX Balance {$680.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation