milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/31/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: The situation is how I have complaint about a company named XXXX XXXX XXXX violated the Fair Credit Reporting Act, and they responded back saying they would delete any trade line with all the credit agencies. So far, they have done just that with XXXX and XXXX, but Trans Union have not deleted the item yet. I do n't understand why. I have proof of my investigation by CFPB. I have a complaint with TransUnion because I had written them a letter about an entry with a company named XXXX XXXX. My letter is dated XX/XX/XXXX-XX/XX/XXXX and TransUnion have violated the FCRA. They were suppose to get information from the company XXXX XXXX a contract or something that is bearing my signature informing them that the account is mine. They have not responded to my letter and it 's past the 30 days mark. Trans Union have provided the statement of disputed by consumer in the statement entry on my credit report. I want the company name XXXX XXXX to be deleted immediately along with XXXX XXXX company to be deleted. Trans Union will be able to see the prove to delete this item XXXX XXXX XXXX from my report immediately. My next letter to Trans Union is a letter about going to go to a small claim court in my city, and state, if I do n't get a response to this. I have written to XXXX and XXXX the same letter about investigating XXXX XXXX and they all have responded back saying it 's still pending or they will need more time. Trans Union have not responded at all to my letter pertaining to this company-XXXX XXXX. I want Trans Union to delete XXXX because Trans Union have violated the FCRA law and I want XXXX Finance to be deleted because they were suppose to have Trans Union to delete the entry. They have not deleted the entry yet while XXXX and XXXX have already deleted the entry. 
In summary, Trans Union have violated the fcra law by not providing the Disputed by consumer statement onto my credit report within the XXXX XXXX account. Trans Union also have not deleted the XXXX XXXX XXXX entry from my credit report which they are suppose to do after they have reported to them to do so. Also I have a letter that I have written to XXXX XXXX that I disputed the account and wanted them to show proof that the account belong to me by obtaining a contract with my signature, they never responded back, and I have proof of my letter to them to proof to Trans Union XXXX XXXX also broke the FCRA law 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 11-04-2015 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Credit line increase/decrease

Complaint: Synchrony Bank is decreasing my credit limits and closing my accounts because of errors on a credit report from XXXX about a collection agency from XXXX. I contacted XXXX and the error was removed from the credit report. Synchrony Bank has impacted by credit score incredibily. However, Synchrony Bank continues to use the old credit report. Everytime, I file a complaint with the XXXX my account is closed or credit limit decreased from Synchrony Bank afterwards.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (AL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Ask for 70 % reduction did not wo n't to negotiate.I am on a fix income trying to improve my credit it ab out six years old .So I have it removed my credit file.If paid they said they would not removed my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Debt collection (Medical) with Allied Interstate LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On or about XXXX XXXX 2015 I ordered a refurbished Heavy Duty XXXX wheelchair from XXXX of XXXX Florida. I paid the company {$2200.00} electronically using my debit card. 

The chair sent to me was neither identified as a Heavy Duty model, nor were there any shipping tags or bill of lading, and the chair did not operate properly. 

After a volley of nearly XXXX, at times heated, emails, the CEO of the company offered to send me a NEW Heavy Duty model, as well as to refund my payment, and allowing me to keep the old chair which remains inoperable. The chair was delivered and operates, though in a very disappointing manner. Again, no shipping label or bill of lading was included with this replacement chair, that identified it as an HD model ... 

Now XXXX is apparently NOW attempting to collect for the new HD chair, though XXXX CEO promised it because of the deficiency of the chair that had originally been delivered. 

XXXX has never sent me a bill or any other written communication regarding this claim -- they did n't even bother to send a shipping tag/bill of lading until two weeks ago ... which I suspect they just dummied up because they had not sent it originally ... 

XXXX is using a firm called ALLIED INTERSTATE, which apparently is a subsidiary of an XXXX firm called XXXX, which firm has contacted me, asking for my social security number and to verify my name ... 

I owe XXXX nothing, based on the promises of their CEO, despite threats from a customer service representative ... 

I believe XXXX is operating in Florida illegally by not including proper labeling of purchased items, proper delivery information, and some sort of serialization of their products ... 

I was also suspicious when they offered to give me the new chair AND repay my payment to them, as well as to keep the old chair in response to my complaints about the old chair ... 

I want the harassing calls from this XXXX importer and debt collector to cease for a debt that is not owed by me ... 

Thank you for your help ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2015 about Other financial service (Debt settlement) with DFC GLOBAL CORP (CA).
Issue: Customer service/Customer relations

Complaint: I 've been receiving calls from a payday loan company after I 've asked them to cease and desist. They call me with different numbers from all over the country all times of the day with automated messages. I 've tried to work something out but they insist on using this method of collections and leaving voicemails.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-10-2018 about Debt collection (I do not know) with Experian Information Solutions Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have disputed this account 3 times, and it keeps comming back as verified. This account was deleted by XXXX  as unverifued please remove this account or send me a signed contract of this debt under FCRA section 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 12/17/2016 about Consumer Loan (Vehicle lease) with U.S. BANCORP (PA).
Issue: Managing the loan or lease

Complaint: I executed a new Lease agreement XXXX/XXXX/16 with XXXX XXXX XXXX in XXXX, Pa. The loan was placed by the dealer with US Bank XXXX, XXXX. XXXX XXXX, XXXX, WI XXXX. Phone # XXXX XXXX. I received my first " Lease Billing Statement '' from the bank dated XXXX XXXX, 2016, Payment due XX/XX/XXXX16. I then set up a Bill Payer account with my bank, XXXX, here in XXXX, Pa. The check was sent XXXX/XXXX/16 and received by the US Bank N.A. I next received a Lease Billing Statement dated XXXX XXXX, 2016, for XXXX payment. The check was dated XXXX/XXXX/16 and cleared the bank XXXX/XXXX/16. I started getting calls from the US Bank, approximately on XXXX XXXX, 2016, saying that they did n't receive payment and I will be incurring Late Fees if not paid. I checked with the XXXX and the check was stamped on the back " For Deposit Only, US Bank, followed by " Credited to Acct XXXX XXXX, also a Return Acct #. I called the US Bank and gave them the above info and was informed by several individuals that the account numbers mean nothing to them and that I will have to pay a {$30.00} fee for a " Research Request '' for them to locate MY CHECK in their accounts, to which I refused. I called back and spoke to a XXXX who said that no, I do n't have to pay the {$30.00} dollars and she will fill out the request and forward it to their " XXXX Research Dept. '' Also, XXXX faxed a copy of the cancelled check to the US BANK XXXX, at Fax # XXXX XXXX, provided by XXXX XXXX US BANK XXXX I have again received calls from the bank stating that my payment is late and I 'll be incurring late fees and this may affect my credit rating. I 've been pleading with the banks reps to please look up their account # 's on the back of my cancelled check, to which they ALL replied that 's not possible. I did make this payment and am being treated rudely and unfairly by this banking institution, which I have NEVER had in the past. Yesterday, XXXX XXXX, 2016, I called the US Bank, one more time, to discuss the matter and was told they may not be done researching my payment until the XXXX of XXXX. The rep said that they received my copy of the cancelled check, but he could provide no resolution and I should n't be getting any payment request phone calls ( harassment ) for another 5 days. Thank You for any assistance that you can provide. I 've never in my XXXX years received such disrespectful and unprofessional business practices as I 've received from the US Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/20/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Delinquent account

Complaint: I had a Macy 's credit card account with a modest {$38.00} balance. Unfortunately I did not realize I had missed remitting payment, after a long history of timely payments and responsible account management. As of today ( XXXX ) The payment and all associated late charges had gone up to {$140.00}. In an effort to be responsible with my credit accounts, I never even activated the new Macy 's card that was sent to me ; I simply made phone-based payments in an effort to pay off my balance. 

When I called Macy 's this morning to remit full payment on the balance due, they indicated that the account had been referred to collections. I spoke with the collections agent and asked why I had NEVER received an email or a phone call indicating that my account was in jeopardy. Macy 's has both my phone number and email address on file ; in fact, I get no less than XXXX emails per week with advertisements regarding Macy 's sales and merchandise promotions! Their tepid response was that I should have received a paper statement in the mail. 

Obviously the late payments were an oversight on my part, and I accept responsibility for that. However, I do think it is inappropriate and a poor business practice to refer a person 's account to collections when no attempt is made to reach out via phone or email regarding the account status. This small balance not only netted Macys over {$100.00} in late fees, but the referral to collections is now going to adversely impact my credit rating. Never mind that I was a good customer and consistently made payments on time ; they were happy to let the missed payments add up so they could profit. 

In terms of how I have resolved this issue, I paid off the card in full, and have closed my account with Macy 's. I also intend to write a letter to Macy 's regarding their handling of this issue, but I hope that CFPB will continue to work with creditors on fair practices that do not adversely impact individuals who have very little recourse besides paying and moving on. A {$38.00} oversight on my part should not haunt me forever in the form of a diminished credit score.

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 08-05-2015 about Mortgage (FHA mortgage) with 21ST MORTGAGE CORP. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I am in process of short sale of my property in XXXX PA, first mortgage is ready to accept the offered price but second mortgage is not accepting the amount authorized to them by HUD/FHA rules and need more or send the property to foreclosure. Second mortgage is being unlawful hurdle in the process, what are my options.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Autovest, L.L.C. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I PREVIOUSLY HAD A LOAN WITH XXXX XXXX XXXX FOR A XXXX XXXX. THE CAR WAS REPOSSESSED IN XX/XX/XXXX. I NEVER RECEIVED ANY NOTIFICATION OF THE CAR BEING SOLD ; NOR WERE I ABLE TO RETRIEVE ANY OF MY PERSONAL BELONGNGS THAT WERE IN THE CAR FOR MY XXXX KIDS AND I. I RECENTLY CINTACTED FIRST INVESTORS ; THEY STATED THAT THEY WROTE OFF THE LOAN ON THEIR TAXES AND SOLD THE DEBT TO " AUTO VESTS ''. WHEN I CONTACTED AUTO VEST ON XX/XX/XXXX FOR DOCUMENTATIONS AS OF HOW MUCH THE VEHICLE WAS SOLD FOR. THEY STATED THAT THEY DID N'T HAVE TO DISCLOSE ANYTHING TO ME. TODAY " XX/XX/XXXX'' ; XXXX XXXX XXXX XXXX. CHECKED MY CREDIT ; WHICH I DID NOT AUTHORIZE. I CONTACTED THIS AGENCY TO LEARN THAT IT IS " AUTOVEST ''. I WAS TOLD THAT THEY DO N'T HAVE TO GET MY PERMISSION TO RUN MY CREDIT, AND THAT THEY ARE GOING TO SUE ME. YET, THEY REFUSE TO VERIFY THE DEBT ; I HAVE SENT EMAILS, AND CALLED SEVERAL TIMES TO NO AVAIL. THEY ARE ILLEGALLY RUNNING MY CREDIT INFO, AND FIRST INVESTORS REFUSE TO REMOVE THE DEBT BEING THAT THEY SOLD IT TO THIS COMPANY.

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 11-03-2016 about Mortgage (VA mortgage) with U.S. BANCORP (FL).
Issue: Loan servicing, payments, escrow account

Complaint: US Bank has not released the lien and sent proper notification by mail to indicate that the loan is paid in full and that the lien has been removed.

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 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NCB MANAGEMENT SERVICES INC (TX).
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 began my dispute with XXXX XXXX XXXX, XXXX XXXX XXXX and NCB Management Services in  XX/XX/17. I disputed these items because I don't feel that they are being reported in compliance with FACTA, the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt does not belong to me I ver had a card from WALMART

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 non-monetary relief
Consumer complaint received 02/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Trans-U is showing negative information that is over XXXX XXXX XXXX. Mortgage XXXX # XXXX - XXXX is over XXXX years old. XXXX XXXX XXXX XXXX LP is not showing up on either Equifax or Experian. They have already removed this ....

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 06/28/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Wells Fargo, whom I contacted by phon e 4-5 times in the past 6 weeks, c laim an account with the name  XXXX   XXXX  had {$4400.00} deducted in  XXXX . The letter is dated  XXXX   XXXX ,  XXXX  to a  XXXX   XXXX  address ( I used to live in the building ), and I requested Wells Fargo to trace the transaction for me -- they did not to date. The letter contains reference No.  XXXX . Note : this is t he 3rd requ est to CFPB also, and the last response I could not open the indicated text!

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 08/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Data Check of America LLC (AL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: After much research and many phone calls, Data Check of America has been repeatedly calling both my home and my cell for a supposed NSF check from 1998. They refuse to mail me anything, give me their address, or a professional license number. When I start asking questions, they hang up on me.

Company response to consumer: Untimely response
Consumer complaint received 02-09-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have contacted this company with letters in order to have them verify and validate this loan they allegedly I owe and have know knowledge of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a collection notice from Linebarger Goggin Blair & Sampson, LLP claiming that I owe a Florida State toll with a license plate XXXX, FL. I have never owned a car with a Florida registration, ever.

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 Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A new inquery came up on my report that does not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Student loan (Private student loan) with Vermont Student Assistance Corporation (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I got my loans from an institution called the Vermont  Student  Assistance Coorporation. First of all, they never specified to me before my freshman year of college which of their loans was private and which one was federally funded, as they offer both -- I applied for the private loans without even knowing that it was. I also believed -- because one of their loan officers told me -- that I would n't have to start paying my loans until 6 months after I graduated. I graduated 1 year ago, and I received my first bill before I even graduated. They had stacked all my payments so that my monthly bill was almost {$2000.00}, and they wanted the first payment the day of my graduation. Now, 1 year later, I 've been trying to get VSAC to lower my payments or separate them back into individual loans to pay them in a way that is more practical for me. I 've had to defer these loans almost every month of this last year. I have been told my multiple loan officers at VSAC that my stacked loans can not be separated, and I have no other option then to make the full payment every month -- they tell me that is the only thing I can do. Having only gotten a full time job for the first time after graduating 1 month ago, there is no way I can pay close to {$2000.00} a month -- I do n't know how they can expect anyone to make a payment like that. I am reporting this not only because it is making my life very difficult, but I ca n't be the only person who has their student loans through VSAC who is going through this. I would like this investigated, not only for myself, but also for others who  may  be going through the same thing.

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 09-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX is reporting that I had an account written off for {$780.00}. TransUnion refuses to remove this false information. This account was my adult son 's account. I use to allow him to use my credit card to pay his bill. My name was never on the account ( which was through XXXX ). I was not present when he opened the account ; and I did not sign any paperwork. I simply paid some of his bills, so they are illegally reporting this as MY debt. In addition, the " last date of activity '' is listed as XX/XX/2014. I applied for XXXX XXXX XXXX XXXX cable services then. This is false as well. I am currently a customer of XXXX XXXX XXXX for the cable services I applied for. I do not believe that TransUnion has investigated the validity of my liability for this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation