milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Upon being denied from a lender for too many inquires on my XXXX report, I decided to check my reports from all three credit bureaus for accuracy. I have noticed there are inquired from Transunion, XXXX, and XXXX credit report that I DID NOT authorize and I had no knowledge of. I contacted all three credit bureaus immediately by phone and two letters and was give no relief. I also have a fraud alert already in place to avoid any future issues. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME TO PULL my credit for any reason : Transunion : 1. XXXX XXXX XXXX XXXX Date : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 2. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX : 1. XXXX XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 4. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 5. XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX XXXX XXXX/XXXX/XXXX 7. XXXX  XXXX XXXX/XXXX/XXXX 8. XXXX XXXX XXXX XXXX/XXXX/XXXX 9. XXXX XXXX XXXX/XXXX/XXXX 10. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 11. XXXX XXXX XXXX/XXXX/XXXX 12. XXXX XXXX XXXX XXXX/XXXX/XXXX 13. XXXX XXXX XXXX XXXX XXXX : 1. XXXX  XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX 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 01/18/2018 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 information incorrect

Complaint: XXXX XXXX is reporting wrong information on my credit report.

XXXX and XXXX  and Eqifax have two different open date when the account begin.

How can one account open on two different day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/26/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I 've submitted XXXX disputes and the continue to come back stating the XXXX inquiry is factual when it is not. I 've been in contact with their Escalation team to have it removed and I was advised their Equifax Rep is not responding. I believe Equifax is not even contacting to XXXX to verify any data otherwise they will be notified that it was done without my consent from one of their XXXX XXXX Rep without my SSN. I 'm even sure how they were able to run my credit but there is an inquiry from XXXX/XXXX/16 that needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WORLD ACCEPTANCE CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: this item was paid and on time has been removed on two credit reports but XXXX will not remove

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Mortgage (Home equity loan or line of credit) with Real Time Resolutions, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Realtime Resolutions is reporting a loan that charged off back in XX/XX/XXXX as 120 days late as of XX/XX/XXXX. That is wrong. If it charged off in XX/XX/XXXX how can they continue to report me and my wife late in XX/XX/XXXX? XXXX has already deleted the item but, the other XXXX bureaus are showing invalid data that is destroying our credit scores. Please hold Realtime accountable to the FCRA and make them remove the lates after the account charged off XX/XX/XXXX. We have disputed the account via the credit bureau dispute process, 4 times and they still refuse to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (WI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Account # ( 7 total ) Sent via XXXX  # To whom it may concern : I recently disputed with all three ( 3 ) credit  reporting agencies the accuracy of reporting on this account, and the results came back either " verified '' or " updated ''. There are several inaccuracies across all three credit reporting agencies. 

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this Notice of Direct dispute includes : Fedloan Servicing as shown on my Credit Reports ( attached ), is showing incorrect information. 

Basis for dispute : 1. You verified Recent Balance as " Not Reported '' 2. You verified High Balance as " Not Reported '' 3. You verified account status as " Transferred, closed '' 4. Date of Status hasn't been updated since XX/XX/XXXX 5. Actual Payment Amount is {$0.00} on XXXX  6. XXXX XXXX XXXX {$0.00} on XXXX 7. Date of Last Payment is incorrect on XXXX 8. Account Status on XXXX is " Over 120 Days Past Due '' Supporting evidence : Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4, you are required to review the information that has been provided to you to complete your investigation of this Direct Dispute within 30-days of this notice. I demand a written response from the competent authority in your organization no later than XX/XX/XXXX to my address of records. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

Enclosures : XXXX  dispute - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (CT).
Issue: Struggling to pay mortgage

Complaint: PNC  bank sold the property on  XXXX / XXXX /  XXXX   as the pnc bank stated. The certificate of foreclosure was filed on the land records on  XXXX   XXXX ,   XXXX   in book  XXXX  at page  XXXX  at  XXXX  of  XXXX , CT. I had a bankruptcy in  XXXX  and it a utomatically discharged for the balance. PNC bank repre sentative stating that  PNC  bank knows I had a bankruptcy in  XXXX  but showing not a ctive on their file. PNC Bank still reporting negative credit to credit bureaus. I called the PNC Bank couple times they are still refusing. That 's another game with PNC Bank as usual, PNC Bank is the most player and always plays stupid, but we are for them. Also PNC Bank mortgage department should and carefully   exam and investigate by the Federal Government and should deeply  search about how they play with American citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Deposits and withdrawals

Complaint: I am a university student preparing for an internship in XXXX. I went to a branch office of Wells Fargo Bank in XXXX, Maryland and requested XXXX counter checks to cover the security deposit and rent on my summer sublet. What I was sold, at the time, were cashier checks, which I did not understand were not counter checks. I sent the counter checks to the lessor and they were apparently lost in the mail. Upon realizing this, I called the bank to stop payment on the checks but was told that I had to go into the bank branch office with the checks to issue the stop payment. I went to the bank the next day - XXXX XXXX, 2016 and was told that I had to pay {$120.00} for a surety bond for the XXXX checks and an additional {$62.00} for the stop payment. When I asked why I had to pay for a surety bond they just stated that it was the policy. I asked what the surety bond was for, and they indicated that it was for the re-issuance of the cashiers checks. I stated several times that I did not want the checks reissued, but they continued to state that I had to pay the surety bond fee because it was their policy. I asked several more times why a surety bond was needed when the checks were not being re-issued. The customer service person finally checked with a supervisor and reported that the {$120.00} fee was not necessary. If I had not asked the reason for the fee many times, I would have been charged {$120.00} for a service that was not necessary. They then went on to state that I still had to pay the {$62.00} fee to put a stop payment on the checks. This process took a total of 1.5 hours to resolve in the bank branch. After finally agreeing to pay the stop payment fee, I was told that I could not do it after all because the bank branch notary was not in the office that day. I was told that I would have to come back another day. My complaints are : 1 ) that I was sold XXXX cashier 's checks when I asked for counter checks which I learned would have been drawn on my account directly and which I could have cancelled over the phone ; 2 ) that Wells Fargo attempted to charge fees that were not appropriate for my situation ; 3 ) that the banks staff was not knowledgeable of the fee requirements, relied on simply stating that it was policy and only relented after several questions as to why the fee was necessary ; 4 ) that the bank, while open for business, did not have proper staff available to address my stop payment request ; 5 ) that by not providing the service as requested, added risk to me in the form of potential loss of funds ; and 6 ) that I was required to return on another day in order to complete the stop payment process.

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 06/23/2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I submitted a request for debt validation to CMRE Financial. The collection agency sent a computer generated form made to look like a billing statement. CMRE used improper documentation that was not generated by the original creditor to pose as debt validation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I called Transunion customer services line to request help from being a victims of their reporting mistake and removing inquiries on my report. The reprensentive was no help to my situation, and would not remove inaccurate information. The credit inquiries are listed below XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  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 10-09-2017 about Debt collection (Credit card debt) with GOLD KEY CREDIT, INC. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have just checked my credit score, and I was going through what was affecting my score, and I ran across this debt collection of an GoldKey Credit amount of {$660.00} from XXXX XXXX XXXX. During that year, I just moved back to XXXX from New York, I did not have a job, I just graduate from high school a year a ago ; at that time I only had one debit card, and that was with XXXX. I really have no idea where or what this debit Collection is coming from, thank you for taking the time to hear me out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Citibank Closed two of my credit cards without giving me any reasons, this is totally nonsense and baseless to close a loyal customer credit who is your customer from last 5 years, doesn't make any sense..

I just received this letter on XXXX XXXX, 2018 that my two of my Citibank Credit Cards ending in 'XXXX ' and 'XXXX ' are closed because I misrepresented one or more billing disputes, doesn't make any sense to me.

First of all, I did not misrepresent any of the billing disputes, if I did, why did they approve it?

This is completely Non sense.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Debt collection (Credit card debt) with Asset Recovery Solutions, LLC (IN).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: This is a reopen for case # XXXX. 

My initial complaint said : YOUR COMPLAINT XXXX XXXX hired XXXX XXXX XXXX, to collection on a debt that I allegedly owe for {$1100.00}. At this time the XXXX, XXXX and I have been unable to come up with an agreement on the account. Respectfully, XXXX XXXX, XXXX has hired Asset Recovery Solutions LLC to collect the amount allegedly owed. 1- On XXXX/XXXX/XXXX, I have offered to settle this account with Asset Recovery Solutions for $ XXXX Asset Recover XXXX declined to accept my offer 2- XXXX/XXXX/XXXX, I spoke with Asset Recovery Solutions and s/w XXXX @ ext XXXX 3- Today, Asset Recovery Solution has done the ultimate collection practices with borderlines extortion,  harassment and intimidation 4- Asset Recovery Solution, advised that they will only do a settlement offer with me for {$650.00} for TODAY and TODAY only for payment over the telephone. 5- I advised Asset Recovery Solution that I would settle the account for {$500.00} and that the only way I feel comfortable with any transactions is for them to send me a settlement agreement via USPS to my address of record, in turn if the agreement is satisfactory- then I will mail them an online bill payment check though my bank with certified funds. This way I feel comfortable about them not having my financial information and they would have certified funds. 6- the Manager of Asset recovery then began his intimidation and harassment practices. The Manager began to tell me that IF I do not pay him today the {$650.00} then the next time if and when I call to pay it is going to be {$900.00}. I wish for Asset Recovery to refrain from calling me and I will either deal with the original credit only. This is harassment intimidation and extortion. I was at work in front of XXXX to the point I was almost crying while he was basically demeaning me. This is illegal collection practices. I have tried on multiple occasions to reach the bureaus without any success of talking to any represtative at XXXX. 

Asset Recovery Solutions failed to answer the complaint but responded as : Company responded on XXXX/XXXX/XXXX Response Type Closed with explanation Company 's Response Dear XXXX XXXX : I am in receipt of your correspondence to Asset Recovery Solutions , LLC concerning the XXXX XXXX XXXX account that was placed with us for collection. We are more than willing to work with you to resolve this matter. We have been given approval to settle this account for {$630.00}, payable in a lump sum or with a structured repayment plan. If you agree to the terms, we can certainly provide you an agreement and you can mail in your payment ( s ) using your personal bill payment from your financial institution. If you have any additional questions or concerns you can certainly reach out to us directly and we can assist you. You can reach me directly at XXXX EXT XXXX. Thank you for the opportunity to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MI).
Issue: Struggling to pay mortgage

Complaint: I am so happy that XXXX XXXX finally reported about you, CFPB, failure to look into Wells Fargo HARP refinancing program. 
I contacted you..complaint # XXXX regarding XXXX failure to adhere to the guidelines and in return you did nothing but send me back to XXXX!!! 
The problem is still there and XXXX is still trying to con me. 
You failed me and many other XXXX mortgage holders and I am so angry!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: Capital One XXXX, XXXX .... 
The basis for my dispute is ALLEGED balance of - was required to notify me prior to X/XX/2015, or no later than 30 days after Capital Onefailed to notify me about reporting derogatory info. to XXXX, and In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 
Also, Capital One '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of TX allows treble damages. 
Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) Capital One failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120, 150, CO status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve Capital One is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( Tex.App-XXXX XXXX XXXX reh.den. ) citing XXXX v. XXXX XXXX XXXX XXXX ( XXXXDallas XXXX writ dism 'd w.o.j. )

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Settlement process and costs

Complaint: JP MORGAN CHASE IS LISTED AS TRUSTEE TO MORTGAGE LOAN TRUST XXXX XXXX. THEY HAVE SENT TWO LETTERS STATING THAT THEY HAVE NO INFORMATION ON MY MORTGAGE LOAN NUMBER, NAMES ON MORTGAGE OR PROPERTY ADDRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 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 sent in multiple letters to this company regarding verification of this debt and have n't received proof of debt nor a contract The credit bureau continues to input this account on my report as verified and I do n't have any proof nor does the company have any contract with me i have sent certified mail to this company requesting proof and no response this is ruining my credit i would like the credit bureau to remove this inaccurate information Account : XXXX XXXX XXXX Amount {$500.00} Date : X/XX/17

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 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: A computer glitch that was TransUnion 's problem - not mine - caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I spoke with XXXX and explained to him that these inquiries add a hardship and that my rights are violated by TransUnion. He advised that they do not remove inquiries. I advised him of the computer glitch and he advised there was no such thing. I 'm asking the CFPB to help me make TransUnion stop victimizing me. I 'm asking as a resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with FIRST CITIZENS BANCSHARES, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: My bank wo n't update my account information like they should with active hours so I can cash out

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (VI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This agency is not licensed to collet in the XXXX.

Company response to consumer: Closed with explanation