milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: They mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Transunion is reporting an invalid judgment on my credit report. They are reporting that I owe a balance of {$1700.00} on a judgment for a debt for XXXX XXXX ( XXXX XXXX XXXX XXXX is the acting attorney ). I disputed this judgment, and it came back verified ; however, I am submitting documentation showing that this debt is invalid.

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 12-03-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: Under the laws of the State of Georgia UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies.

I am not liable for this vechile.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: TOO BIG TO FAIL AND CARE We are in our XXXX, after our last child went off to college in XX/XX/XXXX, we decided to downside and move into a smaller place. In XX/XX/XXXX, we paid down on our dream home. This is an XXXX and half bedroom condo in the heart of XXXX -- - ( no car needed ) XX/XX/XXXX, we were informed that BOA had sold their XXXX units to XXXX XXXX, an out of state acquisition company. A meeting was held on XX/XX/XXXX, by the new purchasers. At this meeting, we the few owners were informed that because they ( new owners ) were the majority stakeholders, they could do away with the condo Bylaws. Thus the Bylaws were amended and the new board appointed. 
We were told the following : Sell our units to the new owners at the same price which was given to them by BOA Continue to live in our unit -- -knowing that the building will no longer abide by the condo Bylaws, but instead will be operated and managed as an apartment complex. 
We were also informed that we will never be able to sell our unit on the open market because of the rental average of the building. 
Our condo was purchased in good faith. We 'd everything that was right under the law. The present situation we are in is no fault of ours. The housing market tanked, and BOA did what was best for them -- -sold their units to the highest bidder -- - NOT CARING ABOUT HOW THEIR DECISION WOULD AFFECT THEIR HONEST CUSTOMERS THAT PURCHASED AND HAVE MORTGAGES WITH THEM. -- -- TOO BIG TO CARE. The investors on the other hand needed to realize a profit quickly changed the Bylaws to protect their investment. Who cares about ordinary Americans like us no one? We are the casualty of the housing bubble. We could have walked away them this situation like many other American, but we did n't because we are honest FOOLS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Medical debt) with Franklin Collection Service, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: WAS IN THE PROCESS OF CHECKING MY CREDIT SCORE ON XXXX XXXX XXXX AND REALIZED THERE WAS A DEBT OF {$65.00} I OWED TO A COMPANY CALLED FRANKLIN COLLECTION SERVICE collecting on behalf of XXXX THAT I NEVER WENT TO FOR XXXX XXXX I CALLED THE COMPANY XXXX AND WAS TOLD THAT THEY HAD NO RECORD OF DEBT, THEY GAVE ME A NUMBER TO CALL I CALLED THE NUMBER WAS TOLD I OWED THE MONEY THEN THEY TOLD ME IT CAME FROM AN OLD DOCTORS OFFICE ( XXXX XXXX XXXX IN XXXX NC ) THE CLINIC I HAD NOT BEEN TO IN YEARS SO I CALLED THEM I WAS ON THE PHONE WITH BILLING FOR WELL OVER AN HOUR AND THE BILLING REP ( XXXX ) COULD NOT GIVE ME ANSWERS FOR THE BILL THEN ON TOP OF THAT SHE TOLD ME I HAD SOME OLD BILL THAT WAS WRITTEN OFF AS BAD DEBT BUT I WAS NEVER AWARE OF THIS UNTIL NOW. I STILL HAVE NO ANSWERS TO WHY I HAVE A BILL OWED ON MY CREDIT FOR {$65.00} FROM A COLLECTION AGENCY THE LADY REP FROM FRANKLIN COLLECTION SERVICE JUST SAID TO ME AFTER I TOLD HER I AM UNAWARE OF A BILL AND THE COMPANY XXXX " ILL DOCUMENT IT IS THERE ANYTHING ELSE I CAN HELP YOU WITH " WHAT THAT MEANS I HAVE NO IDEA I AM NOT REALLY COMPLAINING ABOUT THE {$65.00} ALTHOUGH I AM NOT TRYING TO PAY ANY MONEY THAT I DO N'T OWE I AM COMPLAINING THE MOST THAT THEY HAVE PUT IT ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: My issue is with TransUnion. Here is my issue with transunion. They have incorrect information on my report. In accordance with the FCRA guidelines, any information that is incorrect or not mine should not be on my report period. Any information that has not been verified by the creditor, meaning signed documents from the supposed original creditor with my signature verifying that I applied for credit and I am aware of that account, documentation that has come to me in writing, means verified according to the FCRA, not verified through a system electronically. I have disputed this information numerous times. Transunion has not gotten back with me in the required timeframe or they continue to keep incorrect information on my report with no means of verification other than electronically verifying it. They called me back after I left a message with the " Priority Department '' but the representative " XXXX '' did n't leave a number where I could reach her at. Only a fax number that keeps failing. That tells me that they do n't care about reaching customers that they are putting fraudulent information on their reports. Should we mention that they just settled a lawsuit for incorrect credit scores because of incorrect reporting. They have inquiries on my credit that do not belong to me, nor can they prove that they belong to me. According to that alone, I have grounds for my lawsuit. I have attached what I have sent them in the mail. I am sure they have received notification of my lawsuit. Instead of having to pay me, all they have to do is remove the incorrect items off of my report. They have n't and it seems that they do n't intend to. It is illegal to deny me a proper investigation. None of the supposed creditors have provided any proof nor responded. Meaning the items should be removed off. Not to mention that TransUnion reinserted XXXX XXXX XXXX onto my report after removing it last year and that is illegal. I have proof of that as well that i will be attaching to this email. TransUnion is in Hot water. TransUnion removed XXXX XXXX XXXX from my report on XXXX/XXXX/2016. They added it back on there and then removed it again on XXXX/XXXX/2016. It is illegal to reinsert previously deleted information off of a report. Yet they deny that they have correct information on there. Screenshots are attached. The letter that was sent to them is attached with the exception of the notary. The XXXX in the mail is notarized though, so they can not use a stall tactic.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Fraud or scam

Complaint: On XXXX XXXX, 2015, the account ( XXXX ) on eBay purchased my iPad mini 3 XXXX Wi-Fi, for the amount of {$450.00}. The account owner, named XXXX XXXX XXXX, requested an invoice for the transaction, which I provided immediately. Then I received automatically generated emails from ( what I believed were ) PayPal, notifying me of the transaction complete, and from eBay, congratulating me on selling my item. Since, I believed that I had received the payment from the buyer, I shipped it to the buyer with overnight priority ( which I charged to the buyer as an additional {$86.00} ), as we had agreed upon. Unfortunately on XXXX XXXX, 2015, I received an automated email from eBay stating " We had to cancel bids and purchases on the following item ( s ) for the buyer, because they were made without the account owner 's permission ''. Upon further review of the communications that I had received from " PayPal '' ( email address : XXXXXXXXXXXX ) and " eBay '' ( XXXXXXXXXXXX ) in regards to this transaction, I realized that although the emails appeared to be very authentic, they were in fact fraudulent and malicious. The email correspondence that the buyer provided was XXXXXXXXXXXX ( which belongs to XXXX! XXXX XXXX. XXXX according to PayPal ), The XXXX tracking number that I provided to the buyer after shipping the iPad to her, was : XXXX And the address that she requested it be shipped to was : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX This address was different than her address that was provided on eBay. 

I immediately contacted PayPal, eBay, XXXX, and XXXX, to see how the situation could be remedied. I also went to the local police station to file a police report, and filed a claim on cfpb as well as XXXX. eBay provides " Buyer Protection '' to their consumers, but there is no " Seller Protection '' that protects sellers from unfortunate circumstances where users have maliciously stolen items from sellers via eBay 's platform.

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 06-05-2017 about Student loan (Private student loan) with SLM CORPORATION (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have calle d Sallie Mae  over 7 times in order to get the second disbursement of my loan funds for my bar exam study loan. The company told me that it would take three business days for the request to disburse the funds to go through - and that they would then send out the check. This was on   XXXX   XXXX  . I called back three business days later, and they first said they had no record of this request, but then said that the request had gone through -- - but there was no indication in their system about when or if it would disburse. I again told them that I wanted the funds disbursed to me  [  you get to choose your disbursement date ] and they said it would take another business day. I have repeatedly kept calling, asking where the funds are and what is going on, and they have  XXXX  information. They said there was a delay because of  XXXX   XXXX  ... even though I initiated this on   XXXX   XXXX  , well before that holiday, and it is now   XXXX   XXXX   The company still has the funds, they will not give me any information about my loan or when the money is coming through, and have repeatedly stated that there 's nothing else they can do for me. Except to tell me to wait three business days and call them back. I have tried to add my husband to my account, to allow him to call them as well, and have done this THREE times. Each time they take down all of his personal information, and he is never added to the account. Further, they state that there was no notes about adding him to the account and they have no record of this ever taking place. Which is concerning, because he has given out his personal information to three differen t Sallie Mae reps.  We are now concerned these individuals are stealing his personal information, which includes social security number. This company is horrific to deal with - they do not give accurate information, they do not allow you to speak to managers or anyone higher on the staffing list, they do not actually send documents or information when they state that they 're going to do so, and they currently have {$5000.00} of my funds that they refuse to disburse to me even though I am paying interest on this loan. I have never had student loans before and never dealt with a private loan company, and this is truly disgusting. They should n't even be allowed to exist or work with consumers, as they are nothing but a scam and have totally inept crooks working for them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I had an automatic payment from my Bank of America checking account set up for a mortgage I held and for the   XXXX    XXXX , 2010 due date, and the payment was never initiated. I did not learn of this situation until the payment was 30 days late and Bank of America, on the phone, admitted it was due to a glitch. I asked for documentation to provide to the creditor and they promised it, but later refused when I followed up. I escalated and they later claimed I turned off the autopay, which I did not do. I receive alerts for any online banking changes and none existed for this change they claim I initiated. I asked for their audit trail evidence proving I did it and again they refused. This late payment on my mortgage dropped my credit score by about   XXXX    points and it still has not recovered years later.

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 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: It 's concerning inquires on my credit report for the past XXXX months, that I have not had involvement with. I have noticed that my report shows XXXX hard inquires to include my credit dropping really low in the past month. I have n't been asking for credit because I knew that I did n't have any, due to short sale of my home in XXXX. I have paid off all of my collections since then and they are still showing on my report as well.

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 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: This is an additional request for help before I file a lawsuit. I am having several issues with Equifax. 
I was made aware by Equifax that I am one of the many whose information was breached and have noticed that there are many inquiries on my report that I did not authorize or approve. there should only be one XXXX when I opened the account. When I tried to find out who was responsible it just informed me that no additional information is available. I am outraged as this is going to prevent me from obtaining a mortgage. 
Lastly, there is a medical collection from XXXX XXXX XXXX in the amount of {$990.00} that should have been removed months ago because I do not owe that debt and it was paid from insurance I had at the time since the hospital was part of the network I had coverage in and was under the insistence my physician , XXXX XXXX. 
XXXX XXXX assured me that this would be recalled and removed but Equifax is STILL reporting it despite my demanding they validate that debt. I am also XXXX and judgement proof and I was given no documentation from Equifax or the collection company verifying any of this debt and it has been months of inaction that has caused me irreparable financial harm. I intend to file a lawsuit against Equifax and XXXX XXXX if this account and all of the fraudulent inquiries are not removed IMMEDIATELY. 
Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-07-2015 about Credit card () with CITIBANK, N.A. (NC).
Issue: Advertising and marketing

Complaint: We have a Citi credit card that is affiliated with the XXXX program. Earlier this year, Citi asked us to upgrade to a new level of card and, at that time, said that using the card XXXX would not subject us to XXXX transaction fees. However, we received an e-mail message from Citi today, where they said that communication regarding no XXXX transaction fees was in error. I have a trip to XXXX planned for XXXX, 2015 and had planned on using this card on that trip for the very reason that I would not be charged XXXX transaction fees. I called Citi today XXXX XXXX XXXX ) and spoke with a customer service rep who said the only way I could continue to get no XXXX transaction fees on this card was to further upgrade to a card with a {$450.00} annual fee. Given what they told me when they asked me to update to my current card, Citi should honor that statement that I would not be charged XXXX transaction fees, particularly because I relied upon it in deciding to stay with this card rather than switching to a different card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: ON MY XXXX AND TRANSUNION CREDIT REPORTS : I have a fraudulent account, original creditor XXXX XXXX acct no XXXX. 
I have never ordered any product or service from this company.This account should be deleted for error of the creditor or someone has misused my information.I have NEVER received any merchandise from this company.

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 10-08-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I moved to US in XXXX XXXX. In XXXX, I started receiving many adverse actions from banks/potential landlords due to my Experian Credit Bureau Report. When I contacted Experian to get the bureau report, I was never provided it and was never given a resolution to the problem. Till now, I continue to get declines. As I learn from the people reviewing the reports, I have delinquent trades from XXXX in my bureau reports, when I was not even in US!! Someone can contact XXXX to verify that information. Not being able to rent a house is the most difficult thing. Where am I supposed to live!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit card () with WELLS FARGO & COMPANY (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was enrolled in credit defense at Wells Fargo and i never signed up for it. I was charged XXXX since XXXX XXXX I think. I am only able to access my credit card statements for XXXX and XXXX and i added those charges to be XXXX. I then called Wells Fargo and they told me i was charged the {$1100.00} I have requested them send me that information so i have it and also i have requested all my credit card statements to be mailed to me but it will take XXXX7 business days. I have filled a complainant with wells fargo but they said they will get back to me in writing in the next 10 days and i do not believe them.

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 08-11-2016 about Debt collection (Medical) with Credit Service Company, INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The collection agency was notified, in writing, that the discounted amount they are trying to collect was through my insurance company and XXXX. The services were covered by XXXX at the time of service. 
It has been 3 months and they still are saying I owe this money, even after I sent them a copy of my XXXX showing I do n't owe it. 
They also reported this to all XXXX credit bureaus. 
Every time I call them, they tell me they are still working on it. 
If you are disputing an account, the collection agency should not be allowed to put this on your credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (NJ).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: XX/XX/2013 I purchased a vehicle ( {$15000.00} ) financed by Ally financial. A few months after obtaining the vehicle i found out there was a class action lawsuit on ally for charging 4-5 percent more interest to minorities. I asked multiple times to lower the interest ( 15 % ) but i was told no they cant. After so many attempts i told them to get the car. Now ally auctioned off the car for ( {$7000.00} ) and now I have negative mark on my credit for ( {$7800.00} ). 
https : //www.consumerfinance.gov/about-us/newsroom/cfpb-and-doj-order-ally-to-pay-80-million-to-consumers-harmed-by-discriminatory-auto-loan-pricing/

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