milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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 attempted for over a year to get XXXX XXXX XXXX XXXX to correct the reporting error on all three credit reporting agencies. My wife suffered a sudden XXXX XXXX on XX/XX/XXXX, and created a financial burden on us as we are on Social Security, or fixed income. Now she has XXXX XXXX XXXX and needs to be admitted to a XXXX XXXX XXXX and the negative reporting severely hurts my credit score needed for admittance to the XXXX XXXX. I am desperate for help. At the time of my wife 's XXXX XXXX my son spoke with our local XXXX XXXX XXXX who granted an extension for XX/XX/XXXX, provided I pay an additional {$100.00}, per month for 9 months, which I did. I was courtesy called and reminded me and that I was on schedule. I am obsessed with paying my bills on time. An agent I spoke with months ago agreed and said they would notify the Credit Reporting agencies to remove negative late payments. The only one that deleted their negative was XXXX. Transunion and XXXX will not remove theirs based on XXXX XXXX correct information. I have called numerous times and written XXXX XXXX XXXX several times and was rudely spoke down too. They claim it is up to Credit Reporting agencies to correct and remove negatives. Our local XXXX XXXX XXXX manager tried to help but she said that the Mortgage Division would not remove even her request. I have a perfect payment payment record with them. I do not deserve the type of harassment that XXXX XXXX XXXX has leveled on me, especially with the condition my wife is in and us being elderly. The periods are XX/XX/XXXX thru XX/XX/XXXX. Your help will be appreciated.

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 05-11-2015 about Debt collection (I do not know) with Recovery Partners, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX with Recovery Partners out of XXXX XXXX the number he calls from is XXXX. Calls to speak about suspending my parents, XXXX XXXX & XXXX XXXX, XXXX Drivers License. When I tell him I am their daughter and to submit a letter to prove and validate the debt, XXXX XXXX gets arguementative and after 5 days calls again to harass my home. XXXX XXXX will not give out an address so my parents can request harassing calls to stop in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Medical) with ATG Credit, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I filed an injury report with my employer in XX/XX/2011, resulting from improper working conditions, and was ordered to undergo an examination by the employer by the employer 's chosen doctor, XXXX. Under Illinois law, the employer, XXXX was required to pay for the examination. 

Later, after a workman 's compensation complaint was denied by my employer 's insurance, the employer refused to pay for the examination. 

XXXX then demanded that I pay for the examination. I told them I did n't owe it. I told them to submit it to my medical insurance, XXXX, if they insisted the debt was valid, but, since I did n't legally owe the debt, they refused to submit it to the State of Illinois since it would be a crime for them to do so. 

They turned the debt over to a collection agency, ATG Credit, XXXX, XXXX IL XXXX. I disputed the debt in writing, but ATG Credit has never provided me with proof of the validity of the debt. 

ATG Credit continues to report it as an unpaid debt. They have refused to remove it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (FL).
Issue: Problems caused by my funds being low

Complaint: An unauthorized purchased was made to my savings account, I contacted the merchant and they immediately reversed the charge made by XXXX Merchant. Wells Fargo charged me {$35.00} fee. Called to reserve the Overdraft Protection Fee, because no service was render because service was n't authorized to be made because the charge was authorized. Wells Fargo agent over the phone said the fee was legit because I did n't have funds to cover transactions. I asked the agent if the transaction was reversed, Agent said yes, XXXX did not collect {$16.00} because they reversed it because it was authorized. Agent offered partial refund of {$26.00} for the Fee of {$35.00} leaving a debit of {$8.00}. I asked the agent why they did n't refund entirely because no service was render, she said it was legit because service was rendered. I told her, no, Wells Fargo got the money. She said no. I asked her several questions in which she admitted no service was render and the fee was " unnecessary '' because it was unauthorized. Although Agent could not herself refund entirely. Well Fargo sets high restrictions preventing employees to correct legal issues when unauthorized transactions take place, Wells Fargo penalizes consumers when unauthorized transactions take place from bank accounts that are forcefully attached to their XXXX account through a contract between Wells Fargo and XXXX allowing XXXX to add all banks accounts from consumers. XXXX account had an unauthorized charge, XXXX reserved charged. Wells Fargo received charged of {$16.00} by XXXX but was reserved by Merchant. Wells Fargo charged bank account holder {$35.00}, reduced it to {$8.00} when I complained. Wells Fargo Agent over phone said it was " unnecessary '' for the fee but under restrictions set by Wells Fargo was unable to provide the full refund to a service that was never rendered/authorized. Wells Fargo Agent made every attempt to place the blame on me, but after questioning the agent through a varies of legal questions whether a bank can legally place a fee on an unauthorized bank transactions, she could not defend the company. Admitted it was " Wells Fargo '' who placed the fee on the transaction, but admitted it was n't the consumer 's fault because the fee was " unnecessary. ''

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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Karma, Inc. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: On Monday XXXX XXXX, 2017, I received an email at work from CreditKarma.com The email subject line read : Youve Got Some Tough Scores, XXXX Upon reading this, I immediately became concerned that my credit scores were bad/tainted etc. I have maintained a credit score of XXXX for some years. I logged on to Credit Karma to discover that indeed, my scores were at XXXX. 

Like many businesses, my work email is monitored and reviewed for compliance to our corporate policy. This monitoring takes place in our IT department. As a senior level employee, I was very upset that employees of my company saw this, and perhaps could have easily assumed that I was having difficulty with my credit. I attempted to contact Credit Karma and there is no phone/email/address for which to make this known.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (WA).
Issue: Deposits and withdrawals

Complaint: I was a customer of navy federal during the period that they have admitted to wrong doing. My paychecks where with held multiple times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (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: I had the following account with XXXX XXXX XXXX for the last several years covering two cars. XXXX. Both of these cars were paid monthly using the autopay feature of the website. The lease on this car ( XXXX ) was extended by me over the phoen with XXXX. I was unaware at the time and was not told the monthly payment ( on the same ar was actually going up ) Either way that affected how the XXXX autopay system works as it was paying the old amount. The original payment was {$320.00} and the payment rose to {$340.00}. The autopay should have paid the entire payment which was due, not the old payment. That is highly unusual to set an autopay and the proper payment is not made. 

I called and was told that I had to manually turn off the autopay to make the payment and turn it back on which I did. I was then out of the country for several weeks and was unaware of any issue. I came back and once notified, this was corrected immediately.. In order to do this I had to turn off the autopay to make the {$79.00} payment. After making that payment I turned on the autopay which had been on covering both of my accounts for several years. Any issue that happened was a technical issue on the website. I have documented that every single payment on both of my accounts was always paid on time and on autopay since the loans were opened. 

I called the company on XX/XX/18 and they were unwilling to resolve this matter without me making a formal complaint. They have market my account delinquent which has a very negative impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Struggling to pay mortgage

Complaint: XX/XX/XXXX I purchased my current home from the HOA for XXXX. I moved into the home XX/XX/XXXX. There were code violation that we manually fixed. In XX/XX/XXXX I attempted to put my home on the market and when doing the title search and trying to find what the payoff truly was it lead us to XXXX XXXX that has stated they do not have any info on this house. There were no letters being sent showing the current mortgage company attempting to collect. No foreclosure or default notices from XX/XX/XXXX all the way to XX/XX/XXXX and before I bought the house it was sitting vacant for a year. Somehow the realtor I was working with found that Nationstar Mortgage was servicing the loan since the original company XXXX XXXX  had shut down in XX/XX/XXXX. The last assignment shown was XXXX XXXX. After talking to Nationstar we found out there were not any payments made since the origination of the loan in XX/XX/XXXX. I decided not to sale seeing the profit was not gon na be what I had planned. After this nationstar tried to collect from the previous owner since the loan was still in his name though I had deed on the house. the bottom line is they trying to foreclose on my home without proper proof of validation of a real instrument of Debt. They are acting on behalf of XXXX XXXX that has nothing to do with my home. I sent a letter for proof of a real debt. They responded to me saying they received my correspondence and will respond by XX/XX/XXXX. The sale date for auction on my home is XX/XX/XXXX. This matter is not cleared up and still being investigated. I am confused how they can sale my home without proper proof and while it is still being investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: inaccuret information not mine or no knowledge of please remove the items cra and hippa violation sent the po report from 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 09/14/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt is over seven years old and has been paid. I tried to contact the company to report that this has been paid.

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 09/14/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I 've been for the past few months in contact back and forth with XXXX, Central Financial Control and XXXX XXXX XXXX in reference to my medical bills and with all the disputes gotten no results.. I was told by Central Financial Control and XXXX XXXX XXXX that all I needed to do was send in proof that I had coverage during the time of the hospital visits in XXXX XXXX XXXX and I did so. I Sent them a copy of my XXXX showing that I was covered during that time and was told that that was n't good enough and that I needed to have Illinois XXXX XXXX XXXX XXXX to write them a letter stating that I was covered. When i originally got this form from XXXX  XXXX XXXX XXXX XXXX I was told that this is all I would need and that this would be proof of coverage. Central Financial Control and XXXX XXXX XXXX is telling me this is n't good enough and that i need them to write a letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Student loan (Non-federal student loan) with SLM CORPORATION (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I got a loan from Sallie Mae ( XXXX ) to cover my college expenses over a 4year period. I have fallen behind and unable to make my payments on time. I have expressed this to Sallie Mae resolution representative on numerous occasions. Moreover my interest is building my overall loan total to a substantial amount. My loan is now over {$120000.00}. They want me to increase my payments to {$1000.00} a month but I am unable to because I can barely make the {$200.00} per month I am paying in interest. They continuously call me even after I have expressed to them that I am unable to make payments on a temporary part time job. I recently graduated in XX/XX/2016 and I also got evicted. I have looked for jobs in my field ( XXXX XXXX ) but I am unable to find any because I am not a XXXX. For the majority of government jobs I have to be a citizen and I am only a XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax provided my credit file to XXXX XXXX XXXX Fraud and Prevention services without my consent or expressed authorization. I did not initiate business with XXXX XXXX XXXX on the date in which my file was submitted. I am requesting a security freeze on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Debt collection (Medical) with Debt Recovery Solutions, LLC (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX ( XXXX ) has repeated harassed me in an attempt to collect this unproven debt with the above multiple collection agencies beginning around XX/XX/XXXX and most recently in XX/XX/XXXX repeatedly sharing my medical, persona, SSN and contact information. In all cases, the debt claim has shown up on my credit bureau reports and scores damaging my credit possibly increasing my payment or interest rates on financial transactions. I contacted XXXX several times and they have failed to respond to my concerns. I have not been contacted by the the debt collection agencies. The debt has just appeared on my credit report. This is a clear case of debt being sold and resold.

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 01/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (NH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I made a payment of {$24.00} to Diversified Consultants on/around XXXX/XXXX/XXXX over the phone. No action was taken until XXXX/XXXX/XXXX when they withdrew {$630.00} from my XXXX XXXX XXXX Bank account resulting in my account going negative and accruing an additional {$30.00} fee from the bank. When I called Diversified Consultants and asked for a refund they declined with hostile treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Deposits and withdrawals

Complaint: my mother was XXXX and chose to recive her pension payment into my checking account. she always told me it was for the preceding month. she died last month and a week later her pension was deposited in my account. i contacted the pension provider and advised them of her death. three weeks later with no notification they electronically debited the amount from my account. this caused extreme hardship in over draft and expenses. i contacted the pension firm and they told me to dispute it with my bank but that will take ten days and still leave me liable for much financial hardship. no one could explain to me why i was not notified of the reclaim of funds after i did my part to contact them for help in a timely manner and my bank is not helping either

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I contacted Midland Credit with XXXX debt validation letters. They ignored all of my requests for validation. I do not recognize this account and I want it removed from my credit report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2017 about Vehicle loan or lease (Loan) with TD BANK US HOLDING COMPANY (DC).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: Hi, First off just wanted to thank you for reading this and I hope you can help me.
The problem is n't exactly as stated. I have a title problem, but the problem is about transferring jurisdiction not about receiving the title at the end of the payoff period. I still have 6 or 7 months on the loan. In XX/XX/XXXX I  moved to XXXX from XXXX. The XXXX DMV requires that they reissue the title for the car prior to registering.
I called TD Auto Finance, my lender regarding how I should do it. They recommended that I send in the form requesting the title be send to the XXXX DMV, but wanted me to switch my insurance to my new address first. I did that. On XX/XX/XXXX I talked with them on the phone after moving my insurance. They looked at this link ( below ) and reviewed the form and agreed to help. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The title was not sent. They called me back a week later asking for the form. I mailed it in. They called me back after about another week accusing me of stealing my own car. They realized their mistake and said they would help me register my car. At the beginning of XX/XX/XXXX the XXXX in XXXX cancelled my registration as they had been notified by my insurance and lien holder i had moved.
After sending in the form by mail another time, trying to fax it to them 2 more times, writing 4 emails of progressive frustration, and 2 more calls ; I am now paying for a car for the last 2 months that I can not drive as its not registered in any state.
TD has sent me the wrong tracking number at least once and there is no line of sight to resolving this issue.
Please help. All they needed to was send the title. Instead, now I both need that to be done as well as get some relief for not being able to drive the car I pay for 2 months.
thanks, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/15/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I recently sent Equifax a certified letter requesting an update to my current address. With the certified letter, I included a copy of my drivers license and soc sec card. I just received a conformation letter from them letting me know that they had completed the changes. The problem is they made the changes to someone else 's credit file. My name is XXXX. The person who 's file they updated is XXXX. How does this happen, considering I included two forms of ID with my letter. I can assure you that I do not and have never gone by the name XXXX. Also, the former addresses which were removed are not, and have never been associated with me or my name or social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ascension Point Recovery Services, LLC (CO).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Ascension Point called me from a XXXX - XXXX telling me they were looking for someone who was the executor of my dad 's estate. They would n't tell me what it was about until I said I was the executor. She would n't tell me what it was about and did n't know my name. I said, " how can you cold call my number about my dead dad 's estate and not know my XXXX name? '' she did n't have an answer and that 's when I XXXX it and saw the scam reviews.

Company response to consumer: Closed with explanation