milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/15/2016 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: XXXX says I already received a free credit report while I did not. I went through XXXX and their site gave an error, stating technical difficulties. I tried again and they say I already received it. FIX THIS and Give me my credit reports! 

Trans Union can not verify my identity. They ask what county I lived in in XXXX. They did not have the correct answer, though there was a county I lived before XXXX as one of the options. I picked None Of The Above. They did not accept it as the correct answer. But the correct answer was " None Of The Above '' as the only county I lived that showed up as an option was NOT the county I lived in in XXXX. Now they deny to give my free credit report. 
You can not ask me to take extra burden to receive my legal free credit report online. Fix this and Let me access my free credit report online ASAP. If you do not, I am taking all of you to Federal Court.

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 04/14/2017 about Credit card () with DISCOVER BANK (TX).
Issue: Other

Complaint: This account does not belong to me. I have been disputing it since it was showing positive on my credit and now the lack of payment are showing as negative. when I try contacting the company I do n't get pass the verification process because my information do n't match what they have. This account is not mine. I have been disputing it with the credit bureaus since XXXX 2016 and no one can show me proof that it belongs to me. Please help me remove this account especially now that it is reporting negative.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Debt collection (I do not know) with Credence Resource Management, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Credence Resource Management LLC sent me a debt collection letter for an alleged debt I do not owe. When I called and spoke with them they were rude and hostile which is a flagrant violation of the Fair Debt Collections Practices Act. I have never heard of Credence Resource Management LLC nor do I owe them any alleged debt. I do n't want any further communication from them in any form. Their hostile debt collection tactics are flagrant violations of the Fair Debt Collections Practices Act.

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 09-03-2015 about Debt collection (Medical) with Agency of Credit Control (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I was called yesterday by the number ( XXXX ) XXXX debt collectors. They threatened to sue me, and garnish my wages if I do n't pay. This debt is in my maiden name. I never provided my husbands info. The brought up my husband and saying he had an income. I know I have a medical bill balance. I was very sick for a while and could n't work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 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: Account is still showing in my credit report as " closed '' and " included in bankruptcy '' but the account should be deleted off my report because it is closed and is negatively stopping me from getting credit. The following five accounts are closed & included in my backtuptcy but still appear on my credit report. 

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 explanation
Consumer complaint received 07-01-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I submitted a complaint on-line, but I do not have a complaint number, so my complaint has probably fallen on deaf ears. 
I was able to get my credit reports from XXXX and XXXX without difficulty. Each of them had a list of questions pertaining to my previous employment and/or credit. These were factual and represented transactions that applied to me. 

Equifax, on the other hand, asked me questions that had nothing to do with me. Then, they said that " For my protection '', I had to mail them personal identification ( copies of my SS card and Driver 's License, for example ). This happened XXXX times. THE QUESTIONS HAD NOTHING TO DO WITH ME AND NOTHING TO DO WITH ANY CREDIT IT HAD APPLIED FOR OR RECEIVED. 

This happened XXXX times. I could understand their doing this XXXX time, but XXXX times is excessive and represents a deliberate attempt to keep me from getting my credit report. 

In addition, their requirement that I send the documentation by mail subjects me to the possibility of identity theft. A secure on-line connection where I could scan the documents and email them would ( if their site is secure ) provide me with better protection than having to send sensitive, personal information by mail. 

I suspect that I am not alone in having this problem with Equifax. Either they have a lot of erroneous information about me or they are deliberately trying to circumvent the law. 

If I find that this is the former - that they have so much erroneous information about me, I will amend this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A collections agency EOS CCA offered an resolution of debt authorized by client with a lump sum settlement of 55 %. I paid this to protect my credit. Some time later another company XXXX XXXX XXXX wants the remainder of the balance. I sent XXXX a copy of the settlement statement from EOS and proof of payment with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing disputes

Complaint: i paid my crdit card off and they sent me another bill for money.i sent them the money .now the want more money even after i told them to cancel my card

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-02-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Struggling to pay mortgage

Complaint: It 's very lengthy. To start my loan was being serviced by XXXX XXXX XXXX, after 5-6 years of trying to get a modification, 2 short-sales, than deed in lieu, we finally decided to do deed in lieu, they offered me {$10000.00} for cash for keys. ( Please note that I had a cash buyer through the short-sale and they ( mortgage company ) would not sign the papers in a timely manner and the people walked from the deal twice! ) After going through months of trying to close on the deed in lieu though XXXX XXXX XXXX ( XXXX ), my loan was transferred to Bayview Loan Servicing. They picked up where XXXX left off on the deed in lieu, but they said I could not get {$10000.00} it would be {$3500.00}. 1/2 when I sign the papers and 1/2 will be mailed to me. After months of going through the same procedures with them I was told the deed in lieu was approved, in XXXX, 2017. I signed the papers in XXXX, 2017 and they sent a notary to the house, they said he would have the check in hand, and I would have to sign for it, he did not have the check. To date I have not received any money from them. I followed all their instructions and they will not return my calls. The last I heard it was coming in the mail. Also I have not received any final papers saying the house was transferred out of my name and back to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a student loan that went into default, I repaid it through the XXXX program. I am current and have been current since 2012 with the new servicer my loan was sold or transferred to. The original creditor was XXXX the new creditor is XXXX XXXX XXXX. My credit report reflect erroneous duplicate information that they refused to properly investigate and remove. I am requesting assistance for this information to be removed and for my claim to be taken seriously, it has affected my ability obtain credit and loans due to the lowering of my fico score and this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I urgently need Equifax to remove a XXXX account on my credit report, that is reporting as charged off. I have disputed several times already and spoken to XXXX who says they have not been contacted. I was denied a mortgage because of this on my report. XXXX and XXXX have both removed immediately but Equifax has still not removed. I spoke to Equifax on the phone they told me I needed to reach out to XXXX in order to have removed quickly, I called XXXX XXXX says they need to have a dispute from Equifax in order to remove. Both are waiting in the other and I need those removed immediately. XXXX says no dispute has been entered from Equifax. However when I call Equifax, they say I ca n't do anything because there is a dispute still in the process. This is my third dispute on this. I was an authorized user on someone else 's account but need to be removed as I am not liable for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Unsolicited issuance of credit card

Complaint: Received a XXXX card from Best Buy I did n't request. They both had different account numbers. When I called to inquire I found that they also activated it without my permission. And worse it had a balance. XXXX showed XXXX and the other XXXX. I demanded that they Close XXXX accounts immediately. For my safety. I do n't want this to go against my credit score because of this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this collection with Midland Funding in XX/XX/XXXX and it 's still showing a STATUS as OPEN, in collection and 90 days past due as XX/XX/XXXX on my XXXX and XXXX credit reports. I have made numerous phone calls and disputed this info to the company at least XXXX or XXXX times since I paid the collection in XX/XX/XXXX. All I have asked the company to do is update the collection iwith the correct info and show that is a paid collection. No such luck as of yet. Every time I dispute this collection it shows up with a new collection reporting date as if the collection is new. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
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: On  XXXX / XXXX /   17  I sent Equifa x Credit Information services,    XXXX    XXXX  and   XXXX    a letter regarding the bankruptcy being reported on my credit report, this letter informed them of inaccurate reporting and challenged the validity of the report. On  XXXX / XXXX / 17  I received a response that  XXXX   XXXX  had provided verification this information was correct. Prior to me sending a letter to Equifax,  XXXX  and  XXXX , I froze my account with  XXXX   XXXX  and have a letter verifying this was done, so there would not have been a way for Equifax,   XXXX   or  XXXX  to 'verify ' this information. Due to seeking out information and reporting public record as they are not supposed to do, my resolution is to have the bankruptcy removed from my Equifax,  XXXX  and  XXXX  credit file permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, XXXX, I filed for XXXX XXXX bankruptcy protection in the state of XXXX ( XXXX ). As part of the bankruptcy, a credit card account that I had with XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX was XXXX. Due to changed financial conditions, my bankruptcy was converted to a Chapter XXXX in XXXX and was XXXX as such. Despite being XXXX, XXXX continues reporting an unpaid balance on a closed card of {$7100.00} to all credit reporting agencies. When I contacted them in XXXX of XXXX regarding this, requesting that they remove the balance and properly report the account, they acknowledged by letter that the credit card had been a part of my bankruptcy, but they continued reporting the balance thereafter. Their reporting of a balance appears to be a violation of the FCRA and potentially the bankruptcy court 's injunction. The account should immediately be removed from all of my credit reports as the 10 year period for reporting under a Chapter XXXX has now lapsed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-11-2015 about Debt collection (I do not know) with Evergreen Acquistions, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I first recieved a call from this number on XXXX XXXX. I was told my sister had some sort of fraud going on her account. I told them her phone was disconnected and I did not get a hold of her. I received XXXX calls today. I researched online and discovwred this company has similar complaints in which they say they are trying to get a hold of someone but its a debt collectors. I just got off thw phone. A woman named XXXX answere. She said ahe was trying to get in touch with me and they some identity theft stuff. I told her tgat I 've had credit monitoring for the last year so its not pssibme and that the last time I got a call from this number that they said they were looking for my sister. To which the the XXXX said my sister put me down as a reference for evergreen. I told her that I do not want to be call anymore becauae its a debt collector looking for my sister and I wanted to placed on the do not call listI told her to send written notification to my sister instead of repeatedly calling me. The lady was very argumentative and would not agree to place my number on a do not call list. I eneded up hanging up on her with my last words being do not call me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Mortgage (FHA mortgage) with PNC Bank N.A. (NC).
Issue: Incorrect information on your report

Complaint: Hello, My complaint is to correct the negative information reported to the credit bureaus regarding my mortgage loan. On XXXX XXXX, 2017, I was approved for the NC Foreclosure Prevention Fund. All parties were notified. To avoid getting 30 days past due and avoid the negative reporting, I made the XXXX 2017 payment on XX/XX/XXXX, since I knew the program was not going make the XX/XX/XXXX payment in time. <P/>I called PNC @ XXXX on XXXX XXXX, 2017 @ XXXX XXXX to inquire on the XX/XX/XXXX payment to avoid a missed payment. I was informed that the bank received 2 payments that will be applied for the XX/XX/XXXX and XX/XX/XXXX payments since the XX/XX/XXXX payment had been made. I explained that I was calling to verify if I  needed to make the payment so that the account does not go past 30 days. I also verified that there was no negative credit bureau reporting. The representative confirmed that there was no negative credit bureau reporting. <P/>I contacted PNC @ XXXX on XXXX XXXX, 2017 at XXXX in response to the letter dated XX/XX/XXXX. The representative informed me that the payments were received and to disregard the letter, it was mailed in error. I explained the date on the letter and also asked to verify no negative credit bureau reporting. The representative confirmed the two payments were received from NCHFA and there was no negative credit bureau reporting. <P/>I contacted PNC @ XXXX on XXXX XXXX, 2017 @ XXXX in response to the letter dated XXXX XXXX, 2017 regarding negative credit bureau reporting. I informed XXXX of the prior calls and asked about the negative credit bureau reporting. She advised me that the negative credit bureau was because the XXXX 2017 payment was posted to the account on XX/XX/XXXX. I advised of the prior calls and asked to dispute the information. She said that she ca n't account for anyone else, but she is telling me that PNC reports when a late fee is applied to any account. I explained that the payment did not exceed 30 days and did not warrant a negative credit bureau reporting. She said because after the XXXX the late fee was applied to the account, PNC reports that information. I explained that I would like to dispute since I called 2 times prior, the calls are recorded and the payment was past the 15 days but not 30 days late. She said that she would submit a complaint but they will not do anything about the negative credit bureau reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Application, originator, mortgage broker

Complaint: XX/XX/2016, I tried to obtain a loan for an affordable housing property. This is my first time purchasing a home, so the process is new to me. In short, the loan with the first lender I was working with fell through because of the condominium association 's coverage on their XXXX bond was not high enough and therefore the loan was denied during the underwriting process. I was then told to re-apply at Wells Fargo XX/XX/XXXX. The branch manager, XXXX XXXX, passed my file to XXXX XXXX. Before I started the process with them, I explained exactly why my loan was denied with the previous lender as well as forwarding them the emails which contained exact figures regarding the associations coverage. I made it perfectly clear that I do not want to pay any more up front fees unless they were sure that the loan would be approved and the XXXX bond coverage would not be an issue ( since I had lost all of the money I had paid upfront with the initial lender and that Wells Fargo was not able to reuse the appraisals or credit checks that I had already paid for ). They assured me it would not be an issue because of the particular mortgage program they were going to use for the loan. Afterwards, I gave them my credit card info to once again pay for an appraisal and a credit check and was charged both fees on XX/XX/2016 and XX/XX/2016. On XX/XX/XXXX during the underwriting process, I come to find out that my loan would once again be denied due to the coverage on the condominiums XXXX bond ( the same reason I had warned them about before applying ). I emailed my representative at Wells Fargo to ask for them to refund the fees that I had paid since they gave me insurance that this same problem would not be an issue. They refuse to refund me.

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 12/15/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed bankruptcy in XXXX XXXX. My credit report states and have stated it would come off XXXX XXXX. I have disputed this action with equivalent and they states that it can stay on my report for up to ten years. I ask what factors that in or what or who decides that it has to stay on my report " UP '' to ten years. It has been to my knowledge and when I filed by my lawyer at the time it could be from XXXX 10 years. As I stated my report says 7 years by the date, it does n't state ten years. I can not get no straight answer from Equifax on why and who decides that it must stay on my report up to ten years. They say the are going by the fair credit reporting act but when I call to ask the same question to frca, the agent as well could not answer why or who determines that it stays on credit report for up to ten years. I requesting it to be removed because by the suggestion of my lawyer saying I did n't need to go through with it, since my situation worked out. So I just been waiting out my years for it to fall off

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been calling Transunion & XXXX  regarding the multiple unauthorized inquiries on my credit reports due to identity theft but they refuse to investigate. I was told I need to contact each company and dispute with them & have them to forward a letter to them for removal. I have provided my theft report also have fraud alerts on all of my credit bureaus. Also I have advised them they are still allowing unauthorized inquiries on my credit reports. I am demanding this information removed asap this is damaging to my credit. This is fraud, I have included a list of the fraudulent accounts to be removed

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