milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2017 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: Their investigation did not fix an error on your report

Complaint: I have contacted Transunion many times to dispute the Release of XXXX XXXX Reporting. This XXXX XXXX should have been removed from my credit file for several reasons : 1. This is not my XXXX XXXX 2. This is an old outdated account.
Please remove these Release of XXXX XXXX from my credit report. This information was not provided by any furnisher or creditor.

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 10/21/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a debt with XXXX XXXX for a credit card I had my freshman year of college. I understand that I am responsible of paying the debt, and I am willing to do so. Over the years, I 've been contacted by several different debt collectors, sometimes XXXX different collectors in the same month attempting to collect the same debt. With Portfolio Recovery, they will and have called both mine and my mothers personal line asking for payment. Today in particular, a woman from the company called asked if I could make a payment today. I said I was unable to do so at this time. She then asks if they can expect payment by the end of the month. Again, I said, I 'm unable to do so at this time, and when I can, I will call you. She beings to laugh and asks " well what type of work do you do? '' Taken aback, I responded " excuse me? '' and she repeats the question. " I do n't see the relevance of that with the reason you 're calling today. '' The woman begins laughing, again, so I said goodbye and ended the call. Several times in the past I 've asked this company for written notice so that I can have a paper trail of who my money is being sent to. They informed me that while they can take my credit card information over the phone, they are n't allowed to send me anything about the debt in the mail unless I first write them a letter. I searched the company on XXXX and they have hundreds of negative complaints from others like myself explaining similar cases of harassment and unprofessional phone conversations. 
Again, I can and will pay the debt, but not until I have proper documentation about the debt and the collector.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I was a customer of Wells Fargo for many years. While I was a customer they requested at every chance they got for me to choose paperless statements, so I finally gave in so they would stop asking and to help the environment. Now that I have closed my account I have no record of any activity or history as all of the statements were stored on their site. I called today to ask for a copy of XXXX statement and they told me that because I had no active account to bill the {$5.00} serve charge, I would have to mail a request with a {$5.00} money order. I wish I would have known that I would have no access to my information BEFORE I closed the account. I feel as though they are holding my statements hostage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My initial complaint is with XXXX XXXX and their relentless tactics to scam money out of consumers. XX/XX/XXXX, I had a contract with XXXX and during their months long data outage for the Side-Kick phone, I called customer service to cancel my contract due to the service I was paying for at the time not being provided. XXXX canceled my contract WITHOUT fee due to this issue and I switched to XXXX. Years later I was slapped with a collections notice with no bill or notification whatsoever from the initial creditor. Last year, I disputed this collections claim with XXXX credit reporting agency and the charge was dropped. Now another collection agency has picked up this charge except changed the date to reflect a more current balance, which is XXXX violations against the FCRA and FDCPA. They alleged that my first date of delinquency was XXXX XXXX ... .however I had not been a XXXX customer since their data outage in XX/XX/XXXX. I was living abroad during XX/XX/XXXX-XX/XX/XXXX and during this time was a consumer of foreign mobile subscribers so to claim I had an active XXXX account in good standing prior to XX/XX/XXXX is a complete fabrication. They have not been able to furnish any billing or invoice information to attest to their presumed debt which is why at this point I am fairly within my rights to sue both XXXX XXXX and the debt collection agency for selling/buying this erroneous debt years after the account was closed, reporting negative credit information passed the statute of limitations, as well as for falsifying dates of delinquency to allege that this is a legitimate debt.

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 05-04-2017 about Vehicle loan or lease (Loan) with CONSUMER PORTFOLIO SERVICES, INC. (GA).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: Ive paid on my  XXXX  car loan t o CPS for over 3years  at  XXXX  and they say I still owe  XXXX  please overlook my situation I believe I am being frauded.   .

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: My car was broken into in XXXX XXXX. All my luggage and personal belongings were taken from my vehicle. All my clothes, passport, birth certificate, and social security card were stolen. I called the XXXX XXXX police dept and reported everything stolen. Just need to freeze my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: this is not the first or even the 30th time I have reported WF but after reading class action suits against the lawyers who filed my foreclosure and in light of the help I sought BEFORE they filed foreclosure I am filing yet another complaint and I ask this to be reassigned. XXXX who issued the XX/XX/XXXX letter has not followed up despite my requests to do so. and I still have no information I am requesting. Also I do need copies of all ALL letters sent toWFHm over the years. This will be to attaich to my motion to dismiss foreclosure I will be fiing since I did not get the required 30 days from XXXX before a complaint was filed to cure the default and I have other concerns. I need to know if my property taxes have been re adjusted despite the loans status since I sent in information to do that from assessor office on XX/XX/XXXX. Also I want an explanation of the XX/XX/XXXX letter about XX/XX/2016 taxes fluctuation. I have requested that of XXXX XXXX subsequent to getting the letter of XX/XX/XXXX but have heard nothing. Also the homeowner specialist I spoke to a few weeks ago was very nasty. please re assign. I am working to get funding from hardest hit program since I appear to qualify. Please know I requested validation of debt BEFORE complaint was filed for foreclosure I got it AFTER the complaint was filed. So I have many concerns over this and will fight it all the way. Again to CFPB I need all letters I have written to WF sent to me requesting help to show the judge. 
I feel I will get scripts here. but know I have half the money to pay you. you want to sit in foreclosure status. with lawyers who appear sloppy due to high volume. please also ask them as I have to pdf me another copy of foreclosure complaint. I need to know the info I sent in on property taxes has been sent in. and included. also the person in SC I was told to contact in XX/XX/XXXX letter HAS NEVER RESPONDED.

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 09-12-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (DC).
Issue: Deposits and withdrawals

Complaint: I mistakenly submitted a XXXX payment online on Saturday, XXXX/XXXX/2016. Within an hour of doing this, I called Citibank to put a stop to this payment. They assured me that they were going to stop it since it had not been submitted to the bank and my account was not credited. Today, I found my account having been debited with the same amount. They are now telling me that they can only effect a stop payment 3 days prior to the submission of the check.

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 10-04-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX Wells Fargo bought my mortgage loan and almost immediately theywould hold my envelops until the payments were late. I was informed that sinceI was late that they would have to put me on a balloon payment. The increasein payments got to the point that I was on the phone all the time trying to workwith them. I was told at one point that if I did n't come up with the money thatthey would put me in the street. Sometime in XX/XX/XXXX a bad storm came throughthe area and lightning hit the home and burned it to the ground. My insurancepaid the amount of the mortgage, but Wells Fargo did n't want the check forXXXX. We were told that they needed a letter from out insurance companyexplaining why we wanted to pay off the mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Ocwen Loan Servicing continues to send us letters and harass us by phone. They are incorrectly showing at the XXXX bureaus that a piggyback XXXX mortgage ( purchase money - not a HELOC ) that was foreclosed back on XXXX/XXXX/XXXX is still open and the account past due. Arizona is a non-recourse state.Based on my credit report from XXXX, Ocwen had charged the account off on XX/XX/XXXX with no activity ( XXXX ) until XX/XX/XXXX - when they decided to inaccurately report the account " open '' and 180 days late. I have called OCWEN on numerous occasions but OCWEN continues to call us weekly and sending numerous bogus " Mortgage assistance Resources '' letters - 6 years after foreclosure. As I said this was a " Purchase money '' piggyback XXXX mortgage - NOT a HELOC loan. Ocwen seems resigned to blackmail our credit with the bureaus and harass us for a 6 year old foreclosure ( XXXX mortgage ) that was written off many years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Debt collection (I do not know) with ERC (ME).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Received letter from ERC, dated XX/XX/2018, in regards to XXXX. I requested an investigation to be conducted by XXXX, into the manner which my final bill was incorrect. I received a letter from ERC, stating the dispute investigation by XXXX, was complete, and forwarded to their office for collection. I did not receive any information, in regards to the prior investigation being completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Debt collection (I do not know) with Stanislaus Credit Control Service, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Not sure when debt occurred now on my credit report as in collections for {$210.00} have no info were or whom to pay the debt to other than Stanislaus credit control.

Company response to consumer: Closed
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I disputed the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, and XXXX. They refuse to remove these accounts that do not belong to me.
I disputed the following fraudulent inquiries I did not initiate and are not covered by fair use : XXXX XXXX XXXX, 2017, XXXX XXXX XXXX XXXX, 2017, XXXX XXXX XXXX XXXX, 2017, XXXX XXXX XXXX, 2017. They refuse to remove these inquiries.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I went on Equifax Cybersecurity last night and my data has been breached, when I try to apply I get kicked off of the site. I have called three times, I am left on hold for over an hour. Site mentions that I can call XXXX from XXXX, when I try to sign up, I get kicked off. I am concerned with my data being breached being I have already been a victim of ID theft four times, it has effected my credit file and score.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit card () with JPMORGAN CHASE & CO. (ME).
Issue: Closing/Cancelling account

Complaint: The credit card company sent a letter indicating that the card would be cancelled for non-use within 60 days. At issue is the impact of this cancellation on my credit rating. A call to the company provided no change to their cancellation plan.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The credit card had additional cost for insurance incase of illness or accidents. I was XXXX and submitted every statement needed to make sure my account was paid. I now have lost all documents because I lost my house to a fire.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 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: While on XXXX browsing my transunion credit report my account was temporarily suspended and I was unable to print or dispute any information. I called the number listed on the error page and was told Transunion does not give tech support to freeannualcreditreport.com and was told I would need to purchase my credit report. Transunion violated my legal right to a free report and is forcing me to pay for it, something the other credit reporting agencies did not do.

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 07/24/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (SC).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I attended XXXX XXXX XXXX college located in XXXX, s.c. i applied for student loans to pay for my college courses during my duration of attending there. I thought i was being over charged for the amount and cost to attend XXXX XXXX. After borrowing student loans and upon graduation, we were told by the college that the XXXX XXXX program was not accredited. I was in the first graduating class of this program but upon admission, i was never told that the college was not accredited. Many funding dollars were taken from students but the college was not accredited. To this date i have been struggling to pay back over a {$23000.00} student loan from 14 years ago. Upon graduation, our class was never instructed how to obtain a certification in our degree program. Another complaint is the student loan servicer, first it was nelnet, then XXXX and now XXXX. A lot of changing hands in the student loan accounts, dont know if statements are accurate of balances.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: I disputed these Items several times with Experianand they did not comply with 609 letters. Please note : Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : XXXX has refused and I have 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 pa rties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsectio n ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of th e investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax is the XXXX XXXX. You do n't get to be the reason credit information gets stolen and also charge people XXXX $ to free their credit! This is madness!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: I attempted to dispute several old and inaccurate items on my report through Experian on line. They refused every attempt and required that I call them to dispute the items. When I called, she asked me to go through each item and she would review it then. There is no way this is possible and I am assuming they would categorically deny any dispute. Not only is this a waste of time but it is extremely cumbersome and inconvenient, I will now have to submit them all in writing at this point as I have no other fair option to remove these items.

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 10-05-2017 about Debt collection (I do not know) with BTH Management (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: No one contact me about this debt. I do n't even know what this debt is.

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 09/13/2017 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: Account information incorrect

Complaint: XXXX XXXX XXXX account XXXX is wrongfully reporting on XXXX, transunion and XXXX credit bureaus.jcs is collector for XXXX XXXX the original creditor.they are collecting or trying to collect XXXX dollars, approximately 700 dollars in charges appeared after I cancelled for poor service.and switched my phone number and service to 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 05-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: SUBMITTING HEREWITH ADDITIONAL IRREFUTABLE EVIDENCES OF FINANCIAL CRIME COMMITTED BY NATIONSTAR MORTGAGE LLC. 
PLEASE SEE ATTACHED. 
THANK YOU FOR YOUR INVESTIGATION AND SUBSEQUENT ENFORCEMENT OF APPLICABLE FEDERAL LAWS TO STOP THE PERPETRATION OF THIS COMPANY 'S WHITE COLLAR CRIME. THEIR " INTENTIONAL AND WILFULL MISCONDUCT '' FOR THEIR UNDUE ENRICHMENT IS A THREAT TO PEOPLE 'S LIVES AND A THREAT TO THE U.S. ECONOMY - AND WARRANT URGENT SCRUTINY. THANK YOU.

Company response to consumer: Closed with explanation