milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: THIS IS NOT A DUPLICATE COMPLAINT. THE COMPANY DID NOT FOLLOW THROUGH AND REMOVE THIS FROM MY CREDIT REPORT AS THEY STATED THEY WOULD DO, Case number : XXXX. XXXX XXXX posted the resolution that they would credit the account {$270.00}. and XXXX the balance. They would also remove this from my credit record. Although they got the facts of the case wrong, I agreed to the resolution. Then I get a letter stating that were going to credit the account in the same amount and remove this from my credit report, but I was responsible for the balance. I called the executive offices and was told that they needed to call me back. That call never came. Today I get a letter stating that the charge off was valid ( this case was never a charge off ) and that I owed them the total. This is indicative of how it is to deal with them. They never get anything straight and they conveniently leave out details that are important. I called them at least XXXX times to get this fixed. and medical records were faxed XXXX. I have a XXXX XXXX so there is no difficulty in providing records. XXXX XXXX left that out in the part on the public database and what was submitted to this agency. I believe they committed fraud, because they changed everything from the resolution they submitted to your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Debt collection (Payday loan) with Enova International, Inc. (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Have received numerous calls from. XXXX XXXX XXXX but no voicemail as to what they were calling for ... I called the number back and the representative i spoke with was one of the most rudest people I have ever spoke with ... .when he answered I could n't understand bis name..I stated I 'm sorry what was your name..he stated to me very loudly and rudely MY NAME IS XXXX!! WHAT IS YOUR NAME AND WHAT DO YOU WANT!!! I stated that i have received numerous calls from this number and was inquiring as to why they were calling..he repeated my number back and stated that owed cash net XXXX..i told him i needed some verification of this debt..be said that they have sent me out numerous letters..told him I 've never gotten anything..he said..yeah sure..that 's what they all say..he said listen up miss..we have had it with deadbeats like you..my company is going to have you arrested for cashing a bad check with Cash Net ... I told him I do n't intend on paying anything without some validation..he said we have sent you out eveything you need to know..next step is the local authorities will be notified of this. ..and arrest you..I told him..well I 'll be sitting here waiting..thank you. Have a nice day..and i hung up..he immediately called back and gave me a case # and said good luck deadbeat ...

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 01-07-2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I 've always made my payments on time and I totally forgot that I had a balance left on the card and did n't receive anything in the mail in regards to payment because of travel and holidays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/15/2015 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Last XXXX 2015, I was refinancing my home but because my credit file was freeze with Equifax and the process to remove my security was not as smooth as it should be. I lost the opportunity of a great offer. I tried to unfreeze my credit to the website but although i received an automatic message that it was unfreeze it was n't. On XXXX, I sent a letter with all the information required to unfreeze my credit and I received confirmation letter dated XXXX XXXX, 2015 that reads " the security freeze was permanently removed from your Equifax Credit file ''. Last week, I requested an educational loan, as a cosigner an Educational true XXXX XXXX Educational Financial Services. To my surprise, I received a letter from XXXX XXXX stating that my credit report was unverifiable. When I called them I was told that my credit has a freeze. I tried to contact Equifax but it impossible to talk to a Human Being or get past all the different telephones numbers and electronic phone prompts. My son needs this loan to paid for his tuition on his last college semester ( He is a XXXX on XXXX ). 
I fell hostage of Equifax. It 's my credit, I followed all their requirements to unfreeze it, I have written confirmation, and still I 'm not able to use my credit when I need it.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: on XX/XX/XXXX, I called Transunion to remove inquries that i did not authorized.i spoke with a XXXX Rep that was handling my request. in the midst of our phone call, as we confirming the ones that needed to be removed, the call was disconnected.i called back and waited 15 minutes to get another XXXX rep on the phone.i explained to him what happened and how the XXXX Rep on the phone.I explained to him what happened and how the XXXX rep was deleting unauthorized Inquries and could he continue. he told me that he couldnt do it Again. i explained that the other XXXX rep was in the process of deleting these unauthorized Inquries.however.he did not care.needless to say, he didnt help mewith what the other XXXX rep was more than willing to help me with.there is XXXX inquries and also a repo from a car loan place and my score drop twice after talking to them when my accounts are all in good standing none of these Inquries since XX/XX/XXXX have been mines because i file an Identy theft

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 11-04-2015 about Mortgage (Conventional fixed mortgage) with HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I have already filed a comlaint about this but have a new issure with this company. I had a mortgage with First Merit bank. They had a law form send me the only notice i ever recieved dated XX/XX/2015 that i recieved on XX/XX/2015. This notice wa as i stated the only notice i ever got from then. It stated that they were plannnig to hold a forclosure sution on XX/XX/2015 for my house. Even this law firm admits they have no prof thatbo recieved prior notice of this. Well i sold this house for cash before they did anything. This loan was paid in full an closed on XX/XX/2015. The title company as well as the broker that did the closing said they never heard of a bank being able to charge for a fee called uncollected attorney costs when this was sold sn paid before it was forclosed. There is also nothing listed as to where an how much was applyied to this account that was being held untill it was paid. Then the final complaint i have is that on tuesday XX/XX/2015 sbout 15 minutes after i was relashed from a hospital where i under went a XXXX that i was unable to complete. I recieved a phone call from collections at First merrt bank. The guy asked me if i can pay the past due smount an if i plan to keep this home. Thats when i let him have it for reuining my day further after not being able to complate my XXXX. They do not have employees that can do there job an dont know to check things before they call an harrash people. I do feel they over charged me for this uncollected attorney costs that should be there exprense then to have to deal with somebody that does not have intellagence to know that this was paid 8 days before they harrash me. I now deel that First merit bank owes me a public appalogy as well as a refund for these fees assl as interest. They do not care about service they only want money. I have been in contact with a consumer protection attorney an looking into suing them for harrashment as well as XXXX medical bils from the strss they have now caused. Thank very much

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-04-2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.     Under the Fair Credit Reporting Act,  15 U.S.C. 1681g I ha ve the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under   Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, al  l unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.     Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: TRANSUNION HAD A SERVER ERROR SYSTEM GLITCH WHICH STARTED IN XX/XX/XXXX, WHICH DELETED A TON OF INQUIRIES FROM CONSUMER CREDIT REPORTS ( WHICH REP DID VERIFY INCLUDED MY CREDIT FILE ). I CONTACTED TRANSUNION SEVERAL TIMES AND NOT GETTING ANY FURTHER WITH TRANSUNION DELETING THE ACCOUNTS ASSOCIATED WITH THE " INQUIRY ISSUE '' AND NUMEROUS CUSTOMER SERVICE REPS REFUSING TO TAKE CARE OF THIS ISSUE. ALSO I HAVE MADE TRANSUNION AWARE OF SOME UNAUTHORIZED CREDIT INQUIRIES THAT I HAVE NOTICED ON MY CREDIT FILE, THAT I HAVE MADE TRANSUNION AWARE OF AND I HAVE CONTACTED EACH CREDITOR AND RECEIVED DOCUMENTATION WHICH WAS SUBMITTED TO TRANSUNION VIA FAX AND A LETTER OF AUTHORIZATION SIGNED BY ME WITH THE APPROVAL TO DELETE THESE SEE LISTED BELOW : XXXX UNAUTHORIZED INQUIRY XX/XX/XXXX XXXX UNAUTHORIZED INQUIRY XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX   XXXX  UNAUTHORIZED INQUIRY XX/XX/XXXX XXXX UNAUTHORIZED INQUIRY XX/XX/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 06-01-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is currently reporting a collection account from XXXX XXXX & XXXX on my credit report from XXXX. I have no knowledge of this account and i have never rented an apartment from XXXX Apartments. The address has never been a residence of mine and i have no knowledge of this account with them. This account does not belong to me and should not be reporting on my credit file. i have never rented an apt from this company i have lived in my home since 2006 with an open current mortgage. this is not my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-03-2015 about Credit card () with CITIBANK, N.A. (AE).
Issue: Other fee

Complaint: Citibank improperly charged interest against my account despite paying the balance in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Debt collection (I do not know) with Arnold Scott Harris, P.C. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have received calls and notices in regards to an alleged debt owed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Late fee

Complaint: Regarding American Express Corporate Card for XXXX XXXX, card # XXXX. 
Amex bills to me did n't indicate what specific merchant charges were unpaid for the balance pending. I needed to know that to determine what I had to pay vs XXXX had to pay. Amex did n't provide the following information since XXXX 2015:1 ) have I paid all the merchant charges2 ) what specific charges are unpaid that account for the remaining balanceI finally reached out to Amex contacts of XXXX, bypassing Amex customer service, and got a spreadsheet that showed the specific XXXX merchant charges that were unpaid by XXXX, a XXXX, XXXX XXXX, and XXXX XXXX charge. Clearly Amex had this information, and I would think any company that provides corporate card services needs to provide that information to the end consumer. I confirmed those were all charges I marked personal to XXXX and I paid those in XXXX. 
Afterwards there were only late fees pending, all merchant charges were paid. I was told there would n't be late fee on late fees and ask for somebody from Amex to contact me because I wanted to dispute the late fees. I would have paid all the fees if customer service had provided me the information I required. However on XXXX/XXXX/15, after waiting since XXXX without anybody from Amex contacting me, I was charged another late charge on the pending late charges, identified as a delinquency charge. Amex is simply forcing me to pay their non-merchant related fabricated fees without providing any means to dispute them.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (SC).
Issue: Application, originator, mortgage broker

Complaint: We refinanced our home in XX/XX/XXXX. JPM Chase stated that we must take a XXXX and XXXX loan to accomplish the refi ( XXXX was at 7.1 %, XXXX was at 11.9 % ). We had several financial reversals, including a business failure in XX/XX/XXXX, critical medical expenses, and the need to become caregiver to an elderly relative. When we realized that we were unable to make payments on a timely basis, we contacted JPMC to negotiate a HARP refinance. We sent XXXX large loan application packages to JPMC over the period XX/XX/XXXX-XX/XX/XXXX. They were a ) lost, never received ; b ) misplaced internally because responsibility for the loan was transferred to another JPMC employee ; c ) sent to the wrong site for processing by JPMC ; or d ) rejected because the package was " incomplete ''. During this time, we were assigned XXXX different loan representatives by JPMC, to add to the confusion. We began to pay the loan later and later because of the resultant delay. However, we were only more than 30 days late 3-4 times during this period. JPMC continued to pile on late charges. 
Now, we have reapplied for a HARP refinance on the property. We have been told by JPMC Rep XXXX XXXX that we are approved, but that we must pay {$4800.00} in late fees before we can close the loan. XXXX XXXX recommended that I fax a letter requesting discretionary late fee forgiveness to JPMC 's Research Department in XXXX, which we did on XXXX XXXX, XXXX ( attached ). We have Transmission confirmation of the fax. 
Today, JPMC stated that they never received the fax, despite confirming that I had faxed to the correct #, and acknowledging that we have a Transmission receipt! This is just another stall in this series of delays and " lost documents '' which indicates to me that JPMC is not fully invested in helping consumers to get loan assistance under this government program. I am seeing many similar complaints on related internet sites. I believe that JPMC, by design, makes it so hard to utilize HARP that many consumers give up, and they can therefore continue to charge usurous rates.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have requested validation or removal of debt in the total amount of {$710.00} opened on XXXX XXXX, 2015 from this collection agency and they have failed to provide debt validation information via US postal mail or to remove the debt from XXXX credit reporting agency. It has been more than 45 days since the original request was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: Experian was contacted by myself as well as my credit union in reference to a late payment reported in  XXXX    XXXX   on my credit report. My car loan is reported as 30 days past due. Upon discovery of my  XXXX   XXXX  dropping nearly  XXXX  points, I filed a dispute. My credit union made it very clear that I 've never been late. The creditor has even provided written documentation and requested the error be removed. I was supposed to refinance my car loan in  XXXX , and I ca n't because my score is adversely impacted by this erroneous late payment reporting.every month I 'm paying a higher APR than I have to because Experian refuses to correct the error. They 've claimed to have investigated this, but this can not be true. On  XXXX   XXXX   XXXX  .. The c reditor sent another letter asking Experian to delete the erroneously reported late payment. They still have n't to date. They also have n't corrected my previous Oklahoma student loan to report as closed due to refinance.

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 06-10-2015 about Debt collection (Payday loan) with Wilson, Riley & Associates (OK).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was contacted by this company back in XX/XX/XXXX, they told me that I have an outstanding debt that I was never aware of for a payday loan back in XX/XX/XXXX. Stated that they were going to sue me for the funds. Afraid of legal action i agreed to make payments to them for the funds. After reviewing information online i am showing that this company is not a lawyer 's office but a collection agency. I am filing a formal complaint against their practices. To this day I have asked for paperwork showing the debt, but have never been provided the information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (CT).
Issue: Unauthorized transactions or other transaction problem

Complaint: I canceled a transaction on or around  XXXX , the amount is {$1300.00} to  XXXX . My request to cancel was not honored and my  Paypal  card was charged for items after being shipped, delivered on or around  XXXX . M y Paypal debit  card was charged on  XXXX , the complete transaction is copied here :  XXXX    XXXX    XXXX  Payment -  PayPal Debit  Card Loading g transaction  details for  XXXX  Payment  - PayPal Debit  Card - negative {$1300.00}.     This transaction is a consignment, items were shipped to me and given  48  hours to return them before being charged. I received package on or around  XXXX , due to a delay in not receiving them.  XXXX  left several door tags, I was not at home, a signature is required in person. I was not able to open the package until after the  48  hour return time frame had passed. Upon opening, it was discovered the items,  XXXX  pairs of mens   XXXX   XXXX  hoes, were not in the boxes. I informed the merchant and they insisted they were in box upon shipping, was advised to dispute charge with credit card. A dispute was filed on  XXXX ,  Paypal r eps were advised of the above information. However, they seem to keep missing what I told them, ask for same information repeatedly. Once piece of information, the  XXXX  tracking number, is not available. Oddly, it does not appear in my online  XXXX  account, I am signed up for delivery alerts with  XXXX  and all packages going to and from myself appear online except for this  XXXX  ... The merchant did not provide a receipt copy of either, which I believe is also requested b y Paypal.     They do not seem to understand I do not have this missing information as merchant did not provide it. In closing, please advise  Paypal t his is all the information I have and I need credit for these missing items, even as a temporary  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 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several hard inquiry that I did not authorize. There are a few dates that have multiple hit all on the same day. I will attach an XXXX sheet that has the inquiry that I am complaining about. I has a list of the inquiry in question the date and the company that is reporting 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 explanation