milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello, In XX/XX/XXXX I went to purchase a car. There I found out I had someone, a company trying to collect {$1100.00} for services I did not receive at the XXXX XXXX XXXX XXXX. 
- On my Trans Union credit report it said XXXX XXXX with the original creditor of XXXX XXXX XXXX XXXX ( XXXX ) is Billing me {$1100.00}. 
- I First filed a dispute with Trans Union on the beginning of XX/XX/XXXX. 
- I received a reply from Trans Union on XX/XX/XXXX with results VERIFIED AS ACCURATE AND UPDATED.?? 
- I then started doing some investigating. 
- I googled XXXX XXXX XXXX and called first number ( XXXX ) XXXX on webpage it was XXXX in XXXX XXXX, Fl. 
- I called the number ( XXXX ) XXXX on bottom of page for the President/CEO. It led me to a answering machine which I got another Number ( XXXX ) XXXX for ( Provider Services ). 
- I called this number and talked to XXXX who was very helpful. 
- XXXX researched my info SS # Birthday and name for the bill. She was able to identify the bill but she said the B-day did not match. 
- XXXX gave me the account number of bill ( XXXX ) and date of service XX/XX/XXXX, Place of Service ( XXXX XXXX XXXX XXXX ) and who the debt was sold to ( XXXX XXXX XXXX ) who is affiliated with XXXX XXXX. 
- I then contacted XXXX XXXX who is trying to collect from me. I told them I have lived and am serving in the XXXX XXXX XXXX in XXXX Ohio since XX/XX/XXXX and have been no where near the florida keys. 
- XXXX XXXX then offered to clear my debt for {$600.00}. I declined the offer. 
- I then Called Trans Union and filed another dispute with information I found out from XXXX at Provider Services. 
- I then called the XXXX XXXX XXXX XXXX ( XXXX ) XXXX and talked to the billing departement. 
- A couple of different times talking with XXXX  I was transferred to the Physicians Billing Department named ( XXXX ) ( XXXX ) XXXX - Talking with a couple of different Reps at XXXX and them searching for the bill at question they found / concluded they have no record of the bill due to the only started billing for XXXX XX/XX/XXXX. The Month after the date of service. 
- Both reps and a Supervisor tried to find the company prior to them for me to contact with no luck. They could not find who billed prior to them for XXXX. XXXX has no name as well.

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 01/30/2018 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX of IQ data international has called me repeatedly over the last few years threatening that they will ruin my credit. Harassing me about a large lump sum of money I dont owe them. Threatening to call my employers and family members to retrieve money at all costs. Ive seen stories from others on how harassing and vile she can be. Ive asked to be transferred to someone else within the company, a manager or ANYONE else, she just snickers and talks down to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: not authorized on XXXX-2017 ally finani made a un authorized inquire need to be removed i tryed to contacted them on this issue and the will not cooperate with me there no proof this is mine and it needs to be removedif you can not show the documents for this must report to XXXX XXXX and XXXX that it needs to be removed from my files

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 02/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Regions Bank took money out of my savings account to cover an overdraft fee which my daughter incurred. The company stated because I am listed on her account that they can go into my account and take any fees due if she does not pay for them. I am not happy because I was made aware of this after the fact of Regions Collection going into my savings account and taking money out without my authorization. I feel like a victim of Identity Theft. This is a policy that should be changed. No one including Regions Bank should go into my accounts and take money out without MY AUTHORIZATION,

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 08/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I opened an account XXXX years ago. When I opened the account I was offered a discount of 20 % off every bill because I am a XXXX Veteran. I did n't ask for it and never knew about it until it was offered by the manager. I showed my Veterans ID and oppened the account. I never once received the discount. I called monthly and was always promised retroactive credit which I never received.I finally decided to change carriers. I think the final bill was about XXXX. I received a bill for XXXX. I have tried to contact XXXX for copies of past bills but they have been totally uncooperative. I am not refusing to pay, I am disputing the amount owed. They have given it to collections before and I have been successful in having it removed from my credit report. It has again been reported to the credit bureau XXXXI would like to have it removed until sprint at least makes an effort to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Prepaid card (ID prepaid card) with AMERICAN EXPRESS COMPANY (SD).
Issue: Managing, opening, or closing account

Complaint: I have used American Express prepaid cards from XXXX for many years. I usually keep a few as I use them as gas cards when I purchase gas for my RV as we are retired and travel all the time. My AE prepaid cards quit working and AE said I had to fill out a " Who are you '' form on the internet before they would be reactivated. The form wanted my social security number on it so I questioned why a " Travel Agency '' needed my social security number at all. I protect my social security number as well as I can and only give it to institutions that really need it for financial reasons relating to the IRS. I probably have about {$3000.00} on these cards and I ca n't seem to get AE to tell me how to get MY money back from them. I have used these prepaid cards for years and have never had this problem before.

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. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Data breach on XXXX XXXX 2017.
Their website indicates that I may have been impacted. 

Any negative effects on my credit report due to this must be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Debt collection (Non-federal student loan) with KEYCORP (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: On XXXX XXXX, 2016 I informed XXXX XXXX XXXX, the loan servicer for Key Bank, that I was unable to repay my debt due to being on XXXX, that I was filing for Chapter XXXX Bankruptcy, and directed that collection calls cease until conclusion of the bankruptcy. I have since received approximately 20 calls that I can document from XXXX, a collection agency representing Keybank, and XXXX XXXX XXXX. I have had numerous discussions with XXXX representatives and at least 1 supervisor explaining the situation and each time have repeatedly directed that they cease calling. Their most recent call was today ( XXXX/XXXX/16 ) at XXXX XXXX. Given their repeated refusals to cease calling I am filing this complaint seeking your assistance to get them to call. Please note that, although received for school, this debt does not qualify as a Student Loan that is exempt from bankruptcy discharge because it was received for education from a non-Title XXXX school. I have informed XXXX of this fact several times via telephone. Consequently, Consequently concentrix is aware that the debt they are calling about is essentially a general consumer debt, not a student loan. Your assistance in stopping XXXX continual harassment would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: CAPITAL ONE BANK RAN ALL MY CREDIT REPORTS TWICE IN ERROR I AUTHORIZED ONLY XXXX AND SOLFT ONLY

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (IL).
Issue: Fraud or scam

Complaint: On XX/XX/XXXX, my PayPal account was hacked twice, for {$60.00} and {$200.00}. Not only did I and do I not know whoever did this, but the email address that hacked me managed to change during the money retrieval process. the The {$60.00} payment went through, but the {$200.00} did not, as I did not have enough money in that particular bank account at that time. After filing a fraudulent transaction report, PayPal said that the payments were not fraudulent, according to their algorithm/the location, and that I just needed to contact the " seller '' ( who I do n't know/does n't exist ). I called PayPal and they told me to contact my bank, and that there was nothing more they could do. The bank reversed the {$60.00} payment and blocked PayPal, but in the meantime, PayPal withdrew the {$200.00} payment out of my PayPal account. I have tried to call, and was told that " people open fake accounts all the time to try to get money from PayPal '' ( never mind that I 've had a PayPal account for over a decade ) and that there was no one I could talk to other than the customer service representative, so as a client, I have zero recourse. I tried sending messages to PayPal, and only received canned automatic responses. During the second aforementioned phone call, I initiated a " repeal '' to no avail, as PayPal will not update the " we will get back to you in 2 business days '' page, so I can not upload the additional identity verification documents that were requested via email. As PayPal has a monopoly of sorts, it 's " understandable '' that they do n't particularly care about their customers, but it 's hard to believe that I have zero recourse to protect myself when sensitive financial matters are concerned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: IN 2009 A BREACH IN XXXX SECURITYRESULTED IN THE LOSS OF MY IDENTITY AND COMPROMISED MY PERSONAL INFORMATION. IT HS COME TO LIGHT THAT SOME ONE HAS BEEN OPENING ACCOUNTS IN MY NAME, THIS IS XXXX OF THOSE ACCOUNTS OPENED. OVER THE PAST 12 MONTHS I HAVE WRITTEN TO TRANS UNION CREDIT REPORTING BUREAU ON NUMEROUS OCCASIONS REQUESTING THAT THIS ACCOUNT BE DISPUTED WITH A REQUEST FOR FULL VERIFICATION BUT HAVE NOT HAD AA RESPONSE. I COMPLAINED TO THE FTC BUT AGAIN, I HAVE HAD NO RESPONSE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Credit card () with AMERICAN EXPRESS COMPANY (SC).
Issue: Billing disputes

Complaint: Credit card company increased minimum payment by almost 300 %. 
Card had no limit and we always paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (NJ).
Issue: Taking out the loan or lease

Complaint: In early XX/XX/XXXX I was contacted by a XXXX, a car salesmen, he explained he could get me approved for auto loan. I filled out the paperwork when it came to delivery of the vechicle he promised me a XX/XX/XXXX XXXX truck that was not able to run/start. Having felt like he was untrustworthy I declined to do any further business I left his Lot without the car. A month later i get a statement invoice from West lake financial Service. I contacted Westlake Financial directly on a number of occasions via, phone and mail. I have explained that i never finanlized the deal with XXXX I never signed off on any paperwork other than loan application and i never took owership or registered any vechicle from XXXX. Months later I find that the issue had not been resolved and they CHARGE OFF the loan in my name. I have done everything in my power to get this matter resolved. XXXX has done this to multiple people from what I have learned he works out of and for multiple dealerships and is a straight con man Westlake financial Service XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I obtained a copy of my annual credit report XX/XX/XXXX. The debt listed below is not on my credit report. I obtained a copy of my credit report from XXXX XXXX on XX/XX/XXXX. My credit report indicates I owe {$35.00} dollars. The debt collector is XXXX. Original creditor is XXXX XXXX XXXX XXXX. I unequivocally do not own {$35.00} dollars. XXXX reported the debt. I am requesting the company remove the inaccurate statement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Debt collection (Other debt) with Ad Astra Recovery Services Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do n't have any knowledge of this collection company or the debt they are attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I believe in the month of  XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , De  XXXX   XXXX  this company had an inquiry on my credit report that I did not authorize.an illegal inquiry.

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 08/23/2015 about Mortgage (Home equity loan or line of credit) with BB&T CORPORATION (VA).
Issue: Application, originator, mortgage broker

Complaint: I am writing to file a complaint about BB & T Bank. I recently received a Retail Statement of Credit Denial letter dated XXXX XXXX, 2015, from BB & T Bank. However, at no point did I ever fill out a credit application with them, nor did I ever give them my consent, implicit or explicit, nor was I ever contacted by BB & T for my consent prior to BB & T running a full fledged credit inquiry about me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: There has been news that the responses are randomly generated, and the report they gave me makes me unsure whether it 's accurate, or, as inaccurate as the news say.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently obtained a copy of my credit report from Equifax only to discover that a company called XXXX XXXX XXXX has reported that I owe them money and it is affecting my report negatively. In the past I have disputed this information with Equifax because I have never been personally liable to XXXX XXXX XXXX and would like this fraudulent information removed asap. Equifax claims to have confirmed that this debt is mine and that ca n't be true because the debt is not mine. XXXX XXXX XXXX is trying to hold me accountable for a business leasing account that I was affiliated years ago with because the business that is liable is gone out of business and they ca n't collect from that business, so they are going after the only person they can and that is me. Both Equifax and XXXX XXXX XXXX are clearly violating FDCPA Section 807 ( 8 ) and FCRA Section 623 ( a ) ( 3 ) federal laws as they are blatently reporting false, unverified, unvalidated debt that does not belong to me personally. I am requesting your help with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Student loan (Private student loan) with AES/PHEAA (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I received an email from XXXX XXXX on XX/XX/XXXX saying that " delinquency exists on the student loans you endorsed ''. 

I received the email the morning of XX/XX/XXXX and immediately called XXXX XXXX to inquire what this could be about, as all of my student loans are on autopay. XXXX XXXX services my two private student loans for American Education Services ( AES ) and XXXX. My loans under XXXX and AES are both on autopay each month for {$690.00} ( total ). 

I then called AES to see if they had any information on my " delinquency ''. Essentially, AES is billing my co-signer each month IN ADDITION TO THE PAYMENTS I 'M ALREADY PAYING, without my knowledge. When I called, I found out that my co-signer is paying my " outstanding balance '' of {$6.00} each month, which I should NOT have in the first place. 

Neither AES nor XXXX XXXX has their information straight and can not give me a clear answer. When I asked XXXX XXXX why they sent me a delinquency notice, they replied that they " do n't know ''.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Application, originator, mortgage broker

Complaint: On XXXX/XXXX/2015 XXXX XXXX ( XXXXXXXXXXXX ) XXXX XXXX. This is a HARP loan refinancing reservation number XXXX. All the paper work has been completed ( see attached ). After 45 days I got a letter saying the loan had been declined because : Ineligible Subordinate Financing. I called XXXX XXXX XXXX they have no problem in signing a subordinate Agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Student loan (Non-federal student loan) with Campus Student Funding, LLC (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Case number : XXXX To Whom It May Concern, I was informed that my for profit student loan is owned by Campus Student Funding , LLC and not XXXX XXXX XXXX, XXXX so this complaint has to be filed with Campus Student Funding , LLC instead of XXXX they just service my loan and do not have the authority to eliminate or reduce my loan. I was also told that my loan was not part of the settlement which I know is not the case. XXXX XXXX and XXXX XXXX ordered that funds in the millions be set for current and former students of XXXX XXXX for loan forgiveness or borrowers defense to repayment on both fed and for profit loans which includes XXXX XXXX which switched to Campus Student Funding , LLC which I think smells fishy that as soon as all this came out my loan switched hands so quickly. XXXX and XXXX both stressed that people should not enroll in these colleges in Illinois. Just because my loan was sold or transferred does not change anything I ca n't just trade-in, exchange or sell my XXXX education for a new XXXX it has no value and I should n't have to keep paying on it. The incidents of fraud and scams by XXXX XXXX and XXXX XXXX are all over the internet, hit the news and was even aired on XXXX based right here in XXXX. Do you think the companies I apply to will understand if I put on my resume that all the other Corinthian colleges committed fraud and bad lending practices but XXXX in XXXX XXXX, IL. I am requesting that my student loan account # XXXX be placed in borrowers defense to repayment. 


Thank you, XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation