milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went through XXXX to receive my credit report. No problem at all with XXXX. TransUnion is another story! Once I was redirected to the TransUnion website and pulled up my credit report the website directed me to a password site ( within just a few seconds ). I was not aware of any password for TransUnion. I contacted customer service and was given a temporary to get into my account. Ahh all good, right? Not so fast! When I tried to get in to see my credit report and it gave me the message that you have accessed your XXXX free report and are not allowed more than XXXX but, I could purchase XXXX. Problem, I would n't let me access my free report. I contacted customer service XXXX more times trying to get to my report. Basically, I was told that once the page was moved away from I no longer had access to my report. Funny, their site removed me in less than 30 seconds from being in my report. When I ask if they could reset so I could get in since it was the same day. I was told to every question " No, you will have to buy XXXX ''. What a scam! Kick you out of your report so you have to pay to get XXXX. 
Note : The other agencies sent me emails with reference numbers so I could pull up my free report at anytime. 
I work in XXXX side of things, so I know what can and ca n't be done from a application standpoint. I work for a company XXXX and I know the business. When I asked to talk to someone XXXX to help get the flag reset - I was told they did n't have an XXXX department - WHAT!! Anything I requested was denied, saying you can buy a report ( get the picture? ). 
Bottom line I believe TransUnion is pulling a scam to make you have to buy a report. 
XXXX last note. The main reason I was pulling my report from TU in the first place was to get them to close a XXXX account that had been reported to the them as paid and closed in XX/XX/XXXX 2015 but, they failed to do so. I have proof XXXX they were sent the information but, never updated the account. This is affecting my credit score. When I ask the CS person if I could get help with closing this account - Ummm, yes but, you have to have your Report ID and that means I have to buy XXXX because I ca n't access my free XXXX to get that ID. Just another pointer towards a scam. I bet I heard you will have to purchase a report more that 10 times in the course of trying to get my free one.. PLEASE HELP! Why are these companies under more stringent regulations and control - they basically control our lives!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am requesting validation of a judgement recorded on my report under the company name of ; XXXX XXXX. The judgement was filed with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Tx XXXX. I have recently had my credit report investigated for a removal of a judgment that did not belong to me. 
The FTC outlines the contents of the letter that you should receive : How much you oweWho you oweStatement giving you 30 days to dispute the debtStatement that, if you dispute the debt in the given 30 day time frame, the collector will mail you the verification of the debt or a copy of the judgement against youStatement that the collector will provide the name and address of the original creditor ( if different from the current creditor ) if you write a request for that within 30 daysNote : If you dispute the debt within 30 days, the debt collector must cease attempts to collect until they 've mailed you verification of the debt or a copy of the judgement to you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2017 about Money transfer, virtual currency, or money service (Money order) with WESTERN UNION COMPANY, THE (CA).
Issue: Fraud or scam

Complaint: On or about XX/XX/XXXX I purchased 4 Money orders for XXXX each which I made payable to XXXX XXXX XXXX ref numbers are XXXX, XXXX, XXXX. I mailed them to XXXX XXXX payment address as I had done several times in the past. I noticed by the end of XXXX that the MO had not been applied to my account. I called XXXX XXXX immediately. Western Union told me they would request a copy of the MO be sent to me for inspection XXXX and XXXX passed I called numerous times until I strongly suggested they process my claim and get me these copies. I finally got a copy of 2 of the money orders which I then called and asked for the others to be sent to me as requested 2 months prior. Western Union sent the other 2 by this time it is early XX/XX/XXXX I  called them back they told me that I would have to wait to receive paperwork by the end of XXXX I received the needed paperwork, had to spend XXXX for notary fees and sent requested documents on XX/XX/XXXX, which they received XX/XX/XXXX per USPS tracking return receipt. I called today they claim to have received the documents and that an investigation will begin. Claims department asked me to call back XX/XX/XXXX. I do not have the means to wait for XXXX for this period of time. I am sadden for people with lesser means

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax used insecure systems to store my personal information, including Social Security Number, Address, Birthdate, and more, along with millions of other consumers. They finally informed the public about a breach where this information was stolen. 

I checked on a site they set up and both my wife and I are shown as being victims. 

I have taken the steps I can to secure our reports, but this has huge implications for filing our taxes, getting credit in the future, and all the other potential problems of identity theft. 

To top it off, Equifax and other agencies get to charge {$10.00} to freeze your credit and another {$10.00} if you need to unfreeze it. Equifax, and honestly every reporting agency, should allow your credit to be frozen for free and at any time. Especially in response to this issue where they created a problem I would then have to pay them {$10.00} to correct. 

They offer a credit monitoring service, but added language that indicates you can not participate in a class action lawsuit if you make use of it. At every turn they are making the wrong moves and the government should take action to protect the consumers harmed. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Bank account or service (Checking account) with WEBSTER BANK, NATIONAL ASSOCIATION (CT).
Issue: Account opening, closing, or management

Complaint: Opened account last week. Told me to come back the next day and I can cash heck. Went next day there closed. Nice. So I waited then just deposited it. One week last. We have a paper fee monthly fee, and some early fee. And hold on act. Ok. So I decides to close it and go to different bank. O a fee for closing account. So I will b lucky to get maybe a couple XXXX if I 'm lucky ... m

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/20/2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: There is one account in collections on my credit report. I sent a letter to the collection agency asking for the copy of the signed credit application for thed debt since the account is not mine. It appears as if my identity was stolen and someone took out a credit card in my name. The credit card company sold the account to this collection agency called : LVNV FundingXXXX Resurgent Capital Services. On XXXX XXXX, XXXX, I sent a letter to LVNV Funding,  requesting a copy of the signed application. The company that replied was Resurgent Capital Services. They sent me copies of Statements. On XXXX/XXXX/XXXX, I replied to their letter advising they sent me statements, however they did not send me a copy of the signed credit application so I can report this account as fraud to my local precint. I have not received the copy of the signed credit application as of XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Customer service / Customer relations

Complaint: CAPITAL ONE MADE A HARD INQUIRE ON MY CREDIT REPORT AND I HAVE NEVER TRYED TO GET ANTHING FROM CAPITAL ONE

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit reporting () with Experian Information Solutions Inc. (ID).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is ignoring my numerous requests to investigate, verify 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 09/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am requesting verification of the validation of the electric bill statement showing proof of these charges trying to be collected. I still do not agree with owing anything as I turned off electric and water when I left and paid what was owed to the actual companies. I was informed to try to obtain and not just a statement from the apartment complex stating I owe for. I would also like to know when was the unit re rented to another tenant

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received a call on Tuesday XXXX/XXXX/2016 from a third party, XXXX, who I had an open account with stating that the third party XXXX closed my account. I made contact with XXXX later that evening and I was informed that my account has been reported as 78 days past due, which at that time 78 days prior would 've been XXXX XXXX, 2016. This is untrue, due to the fact that I made XXXX payments to XXXX. The representative stated, that my account was reported to the credit bureau as 60 days past due XXXX times, and 30 days past due XXXX times. This information is inaccurate. The representative stated that it is a result of their billing cycle and not that my account was actually 30 or 60 days past due. I am writing because I have made over {$400.00} in payments, which is in compliance with my monthly bill payments, and I am being told that my on time payments are not being honored, and that my account has been inaccurately reported. My understanding is companies report to credit bureaus when an account is minimally 30 calendar days delinquent. This is not the case, my account is being reported based on the companies billing cycle.

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 06-09-2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: ChaseRelief of Stay application is complete negligenceAs the property information provided to bankruptcy court is not my homeChase also notes no notice was sent regarding bankruptcy this is false as wellWAMU was my creditor not CHASEChase would not be listed as CHase has confirmed no NEW servicer notice was sent to me at no time in the last quarter of XXXX as required. 
However CHase knew to appear and apply for Relief of stay and granted based on a negligent untrue application with the wrong property - not my home. 
The appraisal completed by/hired and approved by Chase during the bankruptcy was XXXXXXXXChase Sold home for a little over XXXX milIt appears Chase deceived bankruptcy court

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Debt collection (I do not know) with Northstar Location Services, LLC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a call on  XXXX   XXXX ,   XXXX   early in the day. Call was from  North Star Location Services. Spoke quickly and left a telephone number to call. Voice said this is a call from a Debt Collector. Did not know this company and never did business with the company. Company 's  telephone number is  XXXX .     Message was left on my voice mail. I did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Medical debt) with Midwest Recovery Systems (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was not aware, until I looked at my credit report, about this debt. I sent the debt collector documents to prove their claim and fill out the disclosure statement. I have not heard back from then and they still have me listed on my credit report and will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX   XXXX  is reporting inccorect information cncerning my auto loan account. They have change my status on the account several times once being contacted concerning the mistakes reported on my  XXXX , Experian and  XXXX  credit porfiles. Each profile is stating different information and I have documentation to prove that the information is incorrect. I have placed several disputes against this company and they will mak e the corrections for about seven days and then automatic report the incorrect information agin.

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 PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: They contact me on my home phone but phished for my cell phone number and have been calling home and cell. I specifically asked the first agent to no longer contact me on my cell phone but to call me on my home number. I want to know how I could send a cease and desist from contact letter. They also contacted numbers on my contact list for the creditor XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (OR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Southwest Credit ( SWC ) is attempting to collect {$290.00} from me. This amount was referred to them from XXXX XXXX. I requested documentation that would delineate the charges but have not received an adequate response. The SWC credit representative I contacted today could n't explain details of the disputed amount

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Debt collection (Medical) with Grant & Weber (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: These debts are from XX/XX/XXXX or XX/XX/XXXX. Should n't they have fallen off my credit report by now?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Per the FTC website XXXX in the section " Posting Payments '' the first line reads " The servicer must credit a payment to your loan account as of the day it is received. '' My mortgage loan servicer, Wells Fargo, is not applying the payments on the date received. I have set-up automatic weekly payments to be withdrawn from my bank account and applied to the mortgage which is to pay the principal, interest, taxes, and I opted for additional principal to be withdrawn and applied as well. I will be uploading a copy of my XX/XX/2017 Mortgage Statement with personal information blacked out as evidence ( you 'll see explicitly noted the weekly payments are " unapplied '' ). Wells Fargo is essentially receiving a short-term interest free loan by holding the weekly payments until the end of the month and then applying them. I believe this is incorrect. They should be applying the payments once received in order to reduce the principal balance which then reduces the amount of accrued interest.

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 03/21/2017 about Bank account or service (Cashing a check without an account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NH).
Issue: Deposits and withdrawals

Complaint: Today, XX/XX/2016, I visited the Bank of America Financial Center, XXXX XXXX XXXX, XXXX, XXXX XXXX, to attempt to deposit a check into my mothers account. I had received XXXX checks from the XXXX related to the settlement of an insurance claim. The checks were drawn upon an account XXXX had with Bank of America. The checks were for {$16000.00} and {$250.00} respectively. The checks were made out in my name but I indicated to the branch manager, who was assisting me, that I would endorse the checks over to my mother 's name so that they could be deposited in my mothers account if that was necessary. I provided my XXXX Issued Drivers License as a photo ID so that they could identify who was making the deposit since it was not my account. The manager indicated that I was not allowed to deposit the check, made out in my name, into my mothers account because she had not authorized the deposit. She told me to bring my mother into the branch with me, however my mother is in XXXX and this was not possible. Additionally, I was presenting a photo identification, with a last name that matched the account holder. The manager refused to accept the deposit of the check, even if it was properly and legally endorsed in my mother 's name. 

After refusing to allow me to make the deposit, I requested that the check be cashed since it was a check drawn upon a Bank of America account held by XXXX. She then asked if I had a deposit account with Bank Of America with which I could deposit the check. When I indicated that I had my personal deposit accounts with another bank she indicated that there was nothing she could do. When I told her that it was a Bank of America account, she indicated that she needs advanced notice for a check of that size and the check would have to clear before I received the cash and since I did not have an account there was nothing she could do. I believe that this was unfair, improper, and potentially in violation of the law. 

Before leaving I indicated that I believed that it was legal for me to endorse the check and deposit into my mothers account and I did not understand why they would not accept it. I also expressed my lack of understanding as to why Bank of America could not cash a Bank of America check. Receiving no answer or further information I left and had to travel to my bank and deposit the check, now I have to wait for the check to clear and then issue a check in my mothers name which will take time to clear. 

As a result, there is a loss of the time value of the money, including the accrual of additional interest upon loans which the amount of money, which is not insignificant, was intended to reduce principal upon. I have been harmed by the conduct of this bank and feel that I have no recourse other than this complaint.

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 10-10-2017 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: Their investigation did not fix an error on your report

Complaint: On XXXX XXXX XXXX I sent a certified letter ( XXXX XXXX XXXX XXXX XXXX ) to Experian requesting that verify and send me proof of verification of the derogatory items on my credit file per the FCRA section 609 ( a ) ( 1 ) ( A ) they failed to do so and continue to report the negative items on my credit file. They are breaking the Federal Laws.

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 12-11-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Failing to honor a mandatory arbitration clause in my credit card agreement. I received a summons on a debt from Midland credit and immediately requested arbitration. They continued with the lawsuit against me and we arrived at court on XXXX XXXX. The lawyer representing them is XXXX XXXX XXXX. I brought a copy of my agreement obtained from XXXX He immediately questioned the validity of of that agreement because it was dated XX/XX/XXXX. I went home and printed yet another agreement from XX/XX/XXXX, both having the same arbitration clause. He is now asking for summary judgment and I have a new court date of XX/XX/XXXX. He is also claiming his client may be in TILA violation and submitted the wrong agreement on cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: All school loans were consolidated

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Problems when you are unable to pay

Complaint: I have a car loan with Capital one Finance and I am about two months late. Which I have been behind because I had to move out of state due to unforeseen circumstances I did explain that to them about two weeks ago. And they stated that they would notate that in my account. since then I receive at least XXXX calls and at least XXXX text messages daily. Now I would consider after XXXX calls it would be harassment if you send a letter leave a text and a voicemail. Yes I understand I have to pay my bills but XXXX calls at least a hour apart is ridiculous in any form of communication.

Company response to consumer: Closed with explanation