milesbutler/consumer_complaints huggingface dataset:
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On XX/XX/XXXX I called Transunion to update my address and have some inquiries removed from my credit report.I was told that the items take 25 months to fall off but as a courtesy Transunion will remove the items at month 24.I ended the first call with no resolution .I called again on theXX/XX/XXXX to dispute those three items on my report that I had no knowledge of, instead of being helped I was told again that the items fall off in 24 months My credit score should not suffer for inquires on my credit that I did not approve.
Inquires in dispute XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 07/24/2015 about Consumer Loan (Vehicle loan) with LOBEL FINANCIAL CORPORATION (CA).
Issue: Problems when you are unable to pay

Complaint: Lobel Financial calls me, at minimum, once a day, usually more than once a day. I have told them repeatedly that I am not the person they are looking for so now they call and simply hang up when I answer. So I tried calling them back and speaking to their joke of a legal department and customer service department just to be continually told that they can not remove my number from their system because I can not tell them what account number it 's attached to. Apparently I am supposed to do their job for them????

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had duplicate accounts in XXXX which shows the balance XXXX e.g. XXXX $ on a card that has {$4000.00} total. I erased the XXXX card and paid off the card since.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Other transaction problem

Complaint: Placed an order with XXXX in XX/XX/XXXX for fig trees to be shipped in XX/XX/XXXX. It 's XX/XX/XXXX, and shipments were nowhere to be seen. Seller does not respond to emails, and does not have a valid phone number to be reached. Contacted PayPal, and case was closed due to over 180 days. PayPal had suspended the seller 's account long ago due to fraud, and yet failed to contact buyers that had made purchase with seller. PayPal refused to refund buyer using their 180 day policy even knowingly there was a fraud with seller Seller : XXXX XXXX aka XXXX XXXX aka XXXX aka XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WV).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have made multiple complaints to Experian stating I was disputing a Bankruptcy on my record. I provided a letter that I received from the U.S. Bankruptcy Court stating that they do not verify information with credit bureaus. I have also included a letter from the same public record vendor that Experian said they used in the response to XXXX. Once again, this proves that Experian has failed to follow the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ),  you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ). My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Experian Credit Bureau has never validated or  verified these public record entries on my credit report, neither will they ever be by them. I have given Experian multiple attempts to follow the laws and even called them so I could discuss this with an actual person. The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature.

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 04-05-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Billed for $ XXXX but upon request received verification for only {$82.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX is ignoring my numerous requests to investigate and remove accounts from my credit report that do not belong to 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 explanation
Consumer complaint received 06-08-2015 about Bank account or service (Cashing a check without an account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Making/receiving payments, sending money

Complaint: Bank of America ( BofA ) at XXXX XXXX XXXX XXXX XXXX NJ XXXX is refusing to cash my payroll check drawn on BofA. Do they have that right to refuse to cash a " Payroll '' check, if the account has enough money and I have ID?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The Credit Bureaus are reporting that my monthly payment for XXXX of my student loans are above $ XXXX when in fact it is only {$290.00} for all XXXX consolidated loans. This is throwing my debt to income ratio off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Debt collection (I do not know) with Arnold Scott Harris, P.C. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company has us on a robo call rotation where we receive multiple calls from them every day. Late last year, I called their number and spoke to a representative and determined that the debt they are trying to collect is not ours. After that, the calls kept coming anyway.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (KS).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company raised my monthly payment based on incorrect information. I had changed home owners insurance company and i notified my mortgage company but they did not update the records. For the last four months they have been " looking into the problem '' and their only solution is for me to pay the new payment and stop calling and telling them to fix their error. They also are callling me from blocked numbers demanding that I pay any outstandng balances. Each time I tell them that they made an acounting error, they say they " will make a note for future information '' but that note seems to not make it to my file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/20/2017 about Debt collection (Payday loan) with Collection Management Company (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I know for a fact that this loan has been paid in full, because the payments were coming directly out of my paycheck from my employer. I did not send a direct payment into them, it actually was the  XXXX  loan I had with the company. When the money stopped coming from my paycheck, I automatically thought it was paid in full

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Mortgage (Other mortgage) with MORGAN STANLEY & CO. LLC (TN).
Issue: Loan modification,collection,foreclosure

Complaint: This complaint is necessary to involve the loan originator and debt owner in reviewing complaints #  XXXX  and #  XXXX .  Morgan Stanley  needs to exercise oversight of its loan servicers to ensure that its customers are treated fairly and respectfully, and to keep them from creating more risk than they protect. That is certainly the case here. Customers do not consume their homes. They are a necessity of life. Loan servicers do consume them.     I have {$70000.00} to {$80000.00} of hard earned equity in my property against the {$55000.00} total debt. That merits fair treatment and direct communication to resolve the issues. I have arranged the means but need reasonable deadlines and timely responses to requests for the necessary information have I needed. I need to be allowed to speak directly and consistently with someone in authority, not a call center.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: sent letter requesting verification of debt a month ago still no reply also the debt was removed by previous collection agency because of lack of verification

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Credit reporting () with Credit Plus Inc (AZ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have approximately XXXX hard line inquires on my report ( via XXXX XXXX ) and they were NOT authorized to do so! How do I remove them from my report! These inquires have caused my score to decline significantly and I am livid!

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Debt collection (Other debt) with WELLS FARGO & COMPANY (NY).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Hi this complaint is in reguards to Wells Fargo and there applicability to any freeze they would have ; Stoping me from being able to clai my unclaimed funds ... the imidiate issue is i have added due to me adding an O, to the end of my last name because i was informed by the worker at the original location of where i spent money provided store credit only and a card i could use at there store only ... ... ... .and then when the store which is the XXXX XXXX  ... further upgraded my store credit card to an offical credit card by XXXX, or XXXX   XXXX without my consent and i am without ability to claim the item ... 
All i did as i stated was added an o to the end of my last name ..my social security is tied to the account for Escheatment of all things and i still cant get any answers with ... from there as well as providing a false address due to thats only a trivial gifting card for merchant profit pertaining to that store only ... the reporter is stated Wells Fargo when XXXX is the origial repoter there for the issue is to be handled with them as well by them i need help please ... Exspidite i have a copy of my new just purchased copy of birth certificate ... .. and documentation proof of my statements i will provde. I also have a XXXX Set aside trust that Wells Fargo has a freeze on aswell but just noteing to provide awareness

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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Amsher Collection Services, Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX XXXX XXXX has recently placed a negative account on all 3 of my credit reports with XXXX, XXXX, and XXXX on XX/XX/XXXX. I do not have a contract with this agency, nor am I responsible for this debt. The company has not validated this debt, they have only sent an itemized bill without my signature on it. The account number is : XXXX in the amount of {$230.00}. The original creditor is XXXX. In XXXX, this debt was showing on my credit with Amsher Collection agency, which in turn sold this account to XXXX or XXXX XXXX XXXX XXXX. Once I disputed this debt and negative account with Amsher in XX/XX/XXXX, Amsher Collection immediately took this debt off of my credit report and did not want anything to do with me disputing this inaccurate information. On XX/XX/XXXX I was told by Amsher that this would be deleted off of my credit and that they had sent letters to all 3 Bureaus. The debt was taken off of my credit. Now, fast forward to XX/XX/XXXX, this same debt re-appears on my credit without my knowledge, and with a different collection agency called XXXX. This is unfair debt collection practices. I want this inaccurate, no contract, not liable, negative debt and account removed from all 3 credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (LA).
Issue: Managing the loan or lease

Complaint: My previous vehicle, a XXXX Honda Accord was total lossed in an accident in 2010. The insurance paid up to a certain amount of the balance owed and GAP was to cover the rest. It has been 6 years and it remains as DEROGATORY on my credit file. I need help resolving this matter. 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XXXX/XXXX/2017, at XXXX XXXX, I received a phone call from Wells Fargo 's representative XXXX XXXX. She acknowledged my complaint but once again refused to allow me to record the conversation. She insisted on not providing the timely response, by stating the next follow up phone call will be on XXXX XXXX, which is over two weeks from today, knowing that we have been deceived before with false deadlines and exploiting our patience and generosity. This process has been going on for many months and Wells Fargo keeps refusing to release the appraisal in the acceptable format.

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 03-07-2018 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: Public record information inaccurate

Complaint: I have sent letters to TransUnion and XXXX about a public record they are reporting. I would like to know the method of verification I have sent several letters requesting this and they have not provided this. I have contacted the court at the address listed on the reports and was notified that they do not verify any accounts with any 3rd parties. Please remove these unverified accounts from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy

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 07/14/2017 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This he insurance company   XXXX   try to make me paid 6 months in advance when the try to increase my police s 300 time. So I look for better options and I get   XXXX  . After 8 year with  XXXX  I will Never come back to th em, they never make me sings any contract they can not force to pay a service in advance when I never received any kind of service. I told them show me any contract even though email or verbal, and they said we will send you to  Colection  this is not right. I 'm try in to purchase my first home I really take care of my credit. This is and ilegal procedure of this gigantic company. The send me a letter to do my claim I fielded and they deleted and few weeks they do it again.  <P/> Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. ().
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Requested reports by clicking on annualcreditreport.com on Washington State Attorney General 's credit site. Requested report on annualcreditreport.com. Requested XXXX report. Made possible error. Did not select XXXX XXXX XXXX as my bank because as far as I know my bank is XXXX XXXX XXXX without the " XXXX ''. Then informed I could not get my report online and I had request a hard copy to be mailed to me. Called XXXX to get a copy. Only options are automated. Ca n't get operator by pressing " 0 ''. At the end of slogging through the data entry and/or voice entry ( half of which apparently could not be understood ), I pressed the wrong number when asked if I was the blind. When asked if I needed a report for the blind I pressed the key for " No ''. No confirmation from them so I am not sure what I will get from them. Next I went back to the annualcreditreport.com website and went to the " Contact Us '' page. No option for a phone call to a human so I requested the " Comment Form ''. Filled out the form saying I was not blind and want the report for people who can see. When the comment was submitted I got a reply saying " thank you for your comment '' so who knows if any action will be taken. I know I am not the only lousy typist out there. Others could easily be caught up in the unhelpful loop. It seems to me that this whole process was set up in a very unhelpful way. It is almost as if they set it up for requests to fail easily. I have seen much better process flows and options for error correction. Thank you. P.S. This was all online or by telephone so I have no documents.

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 06/17/2015 about Credit card () with AMERICAN EXPRESS COMPANY (MD).
Issue: Customer service / Customer relations

Complaint: I attempted to make the minimum payment to my credit card company. Somehow the payment was entered as the entire statement balance which I can not afford and will cause severe financial problems for my family. I contacted the credit card company immediately when I read the confirmation email to stop the payment. The representative was extremely rude and unhelpful saying that there is no way the website could have an error and there is no way for them to stop the payment. I called back later and spoke with someone more polite who said there is no way to stop the payment and it 's in the disclosure - the teeny tiny print that no one looks at. I honestly thought I clicked minimum payment and can not believe that they wo n't reverse the charge. I 'm current and was even paying a week ahead of time. I called my bank to stop payment on the American Express payment and they will for XXXX bucks but it could happen after Amex charges me and then I am stuck with the massive charge that will cause my car loan, electric bill, gas bill, other credit card payment, water bill, car insurance, etc to all find insufficient funds in my bank account and I 'll no doubt get a {$35.00} fee for each instance that I can not afford to pay. I am absolutely dumbfounded that Amex ca n't work with me when a mistake was made and the result will be a financial nightmare for XXXX of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: With reference to Claim Number XXXX Account Number XXXX Original Creditor Name : XXXX XXXX XXXX XXXX Original Creditor Account Number : XXXX With reference to Claim Number XXXX XXXX XXXX XXXX ( collectively XXXX ) was ordered by The Consumer Financial Protection Bureau to provide relief as part of a consent order. 
As a part of the above mentioned ordered XXXX was ordered to request the credit bureaus to delete all trace lines related to disputed accounts. 

Please be advised that remnants of this disputed account is still a part of my Experian credit record. 

I have written to Experian requesting that the account be deleted, but to no avail. Thus I am submitting this new complaint to have this issue resolved once and for all

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 07-04-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: In XXXX 2016, I applied for Citigold account using a targeted promotional code ( XXXX ) that offers XXXX XXXX XXXX miles after completing all requirements. After completing all the requirements and told to wait at least 5 months by a representative at a local branch in XXXX, CA, I am now being told that I did not qualify for the promotional offer. If I had been told that I would not qualify for the promotional offer initially, I would never have applied for the account in the first place. At this point, Citibank has already charged me {$60.00} in fees to my account as I waited for the promotional miles to be placed on my account until I recently followed up and was told that I did not qualify for the offer.

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