milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I 've been trying to contact transunion credit report because I 've been monitoring it. I noticed that a were removed & have been re-inserted. I have n't received any notification or written documentation from transunion to advise me of this. I know according to the fcra this is against the law & I would like it to be corrected.

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 02-05-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Hello - I received an Escrow Account Statement for my mortgage dated XXXX/XXXX/XXXX indicating there was a surplus of {$1700.00}. My mortgage is serviced by Seterus Inc., loan # XXXX. In the past, Seterus was very good about issuing a check for a surplus. I waited about 30 days but did not receive a refund. My loan is current, in fact, I make extra payments. Sometime in XXXX I called them inquiring on the status of the refund. they indicated that it takes up to 8 weeks. I waited ... I called back in XXXX, spoke with XXXX XXXX and she indicated that that it would take another 4 to 6 weeks, I asked to have this escalated as this did n't sound right. I called back the next day and spoke with XXXX and explained I was calling to confirm the escalation. she indicated there was no escalation. asked to speak with a supervisor ... during the transfer was disconnected so I called back. was connected with XXXX ... he was very nice but again said there was nothing he could do and needed to wait another 4 to 6 weeks. Asked to speak with a supervisor and was connected with XXXX. He requested a 'task ' to issue a check for the surplus but again it would take 4 to 6 weeks. I reminded them that according to the rules, the surplus should have been disbursed within 30 days back in XXXX. I feel that they are in violation and taking advantage of me ... Asked him to escalate the request. Called back today XXXX/XXXX/XXXX, they show a task to disburse the surplus but again will be in 30 days. I 'm very frustrated and not convinced that I will receive a check ... this company is not responding properly and i have asked to file a complaint their response is 'a task has been submitted and you should receive a check in 30 days '. I feel like I may not see the funds ... They have my money ... They have benefit ... I 'm at a loss of what to do ... Can you please help.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: The creditor did not verify this debt per FCRA rules within 30 days after receiving notice. 
I asked for verification and their balance reported to the bureau differs from what they claimed I owe. Without validation of the debt as per FCRA, they went on to report despite numerous letters to them. I have attached all relevant documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ).
Issue: Billing disputes

Complaint: For my cfpb complaint @ XXXX, against XXXX, I was advised by a cfpb agent that I needed to submit a paper Dispute document from my credit card company, USAA. I called USAA again today for a document that I could complete and scan and was told that no such document would be forthcoming, as my call to them on XXXX/XXXX/16 inititated a verbal dispute with XXXX. I asked to be transferred to a supervisor, XXXX XXXX, for some type of document I may complete and forward to cfpb ... .even a Statement of Fraud. I was told no such document would be forthcoming. I therefore am filing a separate complaint against USAA because they are not assisting me in my complaint against 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 06/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted by the debt collection agency regarding a debt. I informed them that I did not owe the debt. I emailed them a copy of the payment that was given to XXXX XXXX XXXX. The debt company moved forwarded and placed a negative report on my credit report. I have asked them to remove the statement and they refuse to. They simple state " Debt Paid ''. However it was not paid to them but the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ProCollect, Inc (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I submitted dispute letters to XXXX, XXXX, and XXXX on XXXX/XXXX/XXXX regarding a collections acct that I did not recognize and did not receive a credit report showing investigation results or any other type of correspondence letting me know the status of the items that I disputed.

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 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX is reporting a tax lien that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Privacy

Complaint: Capitol One credit card company makes collection telephone calls to numbers they obtain and maintain in their file that do not belong to the credit card holder and are family members, NOT THE CREDIT CARD HOLDER. Additionally, they are leaving personal information on the generic voicemail 's ( the voicemail does not identify who the phone belongs to ) relative to the credit card holders name, the reason for the call, the company they are calling from and they are willing to work out a resolution to resolve the collection issue. When I called them to advise they are calling family members and leaving this information, they requested I give them the numbers of all family members so they can remove them from their file. I explained the person that they seek to contact does not live in the USA and does not have a telephone number, therefore, there should be no number on file at all. It appears they are using public information to obtain the numbers of family members without regard to privacy laws. I have made several telephone calls to Capitol One and am transferred to several departments. I am asked the same question, " which numbers should be deleted from the account? '' I respond the same way. ALL OF THEM. I also have reminded them in each call, several times that leaving a message for a specific person, with specific private information on a generic voicemail is a privacy violation. This needs to cease. If they are doing this to one person, I am confident they are doing this to others.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Debt collection (Payday loan) with Premier Recovery Group (TN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have received several calls on my cell phone and at my work number from XXXX, with messages stating that a complaint has been filed with their company, Premier Recovery Group, under my name and social security number. I returned the call, using my personal cell phone, at XXXX XXXX. on Thursday, XXXX/XXXX/2015. I spoke with XXXX XXXX XXXX. I asked for a debt validation letter be sent to my home address, and I told her that they are not to contact me at work. XXXX XXXX said, " We 'll continue to contact you as long as you owe this debt. '' Then, XXXX XXXX hung up on me. I received another call today, Friday, XXXX XXXX, 2015, at XXXX XXXX from the same XXXX number, with the same message, at work, even though I instructed XXXX XXXX the day before not to contact me at work.

Company response to consumer: Closed
Consumer complaint received 05-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion fails to remove the XXXX account. Transunion reports incorrectly that this account is paid monthly. Transunion reports incorrectly this medical account is an open account. Transunion reports incorrectly the date of first delinquency. Transunion fails to verify the authenticity of this account. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I am filing this complaint about the TransUnion glitches in  XXXX  and  XXXX , where inquires were removed and them put back on without notifying the consumer. I tried to call  TU about th is today and they have an automated recording and they refuse to help me any further. I had  XXXX  inquiries on m y TU report  that should be removed due to these glitches. It is not legal to take something off a report and then just put it back on without notification.

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 03-05-2018 about Debt collection (Medical debt) with Phoenix Financial Services LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Highest Balance {$4100.00} Opened XX/XX/2017 ( 6 mos ) Account status Open Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX It has now been put to Phoenix Finacial Serv. 

I had went to the emergency room for a XXXX  on my XXXX, I had insurance, and had my card I put down my information thinking this was a urgent care, I had understood this was an urgent care after everything was said and done I was told my insurance would cover it and went on my way, now I'm looking at a XXXX $ bill I have no idea how I got no information was sent to me it just got out into collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX shows with TransUnion I have a balance of XXXX, however this has been paid in full.

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 02/23/2017 about Mortgage (FHA mortgage) with MOVEMENT MORTGAGE LLC (NC).
Issue: Settlement process and costs

Complaint: I have a family friend that I used as a cosigner/coborrower. 
Movement Mortgage still put us as married despite me telling them numerous times AND sending in signed documentation/letter saying we were not married. 
Now my deed/title to the house says we are married -- which btw I never received a copy of -- I only found this out because I 'm in the middle of a refinance!!! 
Movement Mortgage got bought out XXXX. This is just a huge mess!!!!!!

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 06/25/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: IM POSTING THIS SAME COMPLAINT AND DO NOT CLOSE IT!!! CFPB LEAVE MY COMPLAINTS XXXX XXXX ALONE AND STOP BEING BIAS AND ALLOWING CRIMINALS TO COMMIT FELONY CRIMES, THEY HAVE NEVER PROVIDED A VALID RESPONSE!!!!! LEAVE MY COMPLAINTS ALONE!!! criminals of america refuses to show their side of the accounting, that in fact they are doing business selling my name as a bond and doing business with the secretary of the U.S. treasury, they are XXXX lying criminals, they can not respond with clarity to one complaint ive filed,,, they respond with total XXXX talk and irrelevent information, and its a XXXX shame that CFPB allows this to happen, and my complaints being closed fraudulently bank of america refuses to send me notification of closed account and NO CURRENT CONTRACT!!!!!!!!!! secret accounting without full disclosure and A LIFETIME CONTRACT OF TOTAL FRAUD, THEY OPEN AND CLOSE AN ACCOUNT AT WILL AND TRADE A FICTITIOUS NAME FOR $ $ $ $ BEHIND MY XXXX BACK,!!!!!!

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 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: 2nd attempt : Although I have tried multiple attempts to resolve this issue with Experian via telephone, they continuously refuse to adhere to the FCRA rules and regulations. Experian also refuses to provide me with a Method of Verification that they used to determine both the validity and accuracy of the item ( s ) that that is required by law, pursuant to 611. Procedure in case of disputed accuracy ( 15 U.S.C. 1681i ). Therefore, Experian are in violation for both their willful and negligent non-compliance according to 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) and 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ). These are some but not all of the violations that were committed by Experian ; yet, the remaining violations are listed in my attached documents. Furthermore, due to the severity of this violation I will also be filing complaints with the FTC, BBB and the Attorney General 's Office.

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 10/19/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Using a debit or ATM card

Complaint: I was fraudulently charged XXXX by a cosmetic internet dealer. Instead oftelling
telling me to return the merchandise BofA employees gave me "bounce"
protectection which added XXXX ISF charges. A week later the
same thing occurred again and when I noticed the XXXX overdraft and
went to the bank. No help was forthcoming. I returned four more times.
Same result. On the 6th visit I was given a busy phone line which no one ever
answered. On the 7th visit I was given another "executive" complaint line
which no one answered. On the 8th visit I encountered a new face who
said "return the merchandise and we will try to fix things". Another intern
-net transaction occurred raising the total to around $900. Finally today I
was told nothing could be done and to pay XXXX and cancel the card.
I told the bank 'executive' I would rather go to court and tomorrow morn-
ing I will be talking to a lawyer about it.  What advise do you have?
XXXX 

 
the bank to inquire as to what had happened. I was not helped at all and
returned 5 more times.
XXXX visits

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (Other debt) with Amsher Collection Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I disputed the debt with all   XXXX   credit bureaus. They keep verifying the debt. I requested from the credit bureaus copies of the documentation that shows the information has been verified. The credit bureaus told me to contact the creditor because they do n't receive documentation all they receive is an electronic file.   I contacted the creditors and received a letter stating that they dont have any documentation and that they need to contact the original creditor. I have not heard from the collection agency or the original creditor to whom i allegedly owe the debt. My question is how is it that they can report information but don ; t have any documentation to provide as proof of the debt?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Diversified Consultants apparently placed a bad debt in the amount of {$660.00} on my account for a XXXX XXXX balance. The initial report ( on my XXXX report ) shows XX/XX/XXXX, and they have reported the debt again as a negative item this month, XX/XX/XXXX. I have n't had a XXXX XXXX account since XX/XX/XXXX. I have had no recent account with them. The balance that was owed from XX/XX/XXXX was included in my Ch. XXXX bankruptcy filed in XX/XX/XXXX. I suspect that what Diversified Consultants and XXXX XXXX XXXX ( the original holder of the debt ) is attempting to do is illegal, and I 'm tempted to contact an attorney regarding the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/17/2016 about Mortgage (FHA mortgage) with LoanCare, LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage is through XXXX, I pay my payments at XXXX but they say the loan is serviced by MyLoanCare. I am unable to get either company to respond to my requests for information. My homeowners insurance changed dramatically ( from $ XXXX/mo to ~ $ XXXX/month ) and I no longer have an escrow but these companies are still charging me the original amount and I can get no one on the phone who can address the issue. I have sent multiple e-mails and 'contact us ' thru myloancare and freedom mortgage websites with no response.

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 12-07-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Portfolio Recovery is reporting a collection on my credit report all 3 credit bureaus. Portfolio Recovery is not a licensed agency there is a office in XXXX TN but does not show the name of a location manager which is required. Unlicensed activity in the State of Tennessee potentially subjects the debt collector to civil and criminal prosecution.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (KY).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: On XXXX at approximately at XXXX. I received a call from XXXX ( which is the name that appeared on my screen ). This man asked to speak to my daughter ( he did not identify himself ) and I proceeded to tell him that she did not live here. He asked if there was a better number to reach her at and I stated no. He paused for a moment and then said " XXXX '', it was very plain and loud. He then hung up. I called the number, XXXX and it was identified as Portfolio Recovery, a debt collection agency. I asked to speak to the Operations Manager or Compliance Manager. I spoke to XXXX XXXX, Ops. Mgr. I told her what had happened and she apologized. She asked that I call her back at her direct line to ensure she had all the info she needed. I called her at XXXX ext. XXXX and she answered and advised me that she had all the info to investigate. I asked if she pulled the call and she stated she had all the info. I asked that my number be removed and she stated that it already had been. At XXXX the same day I received another call from the same number but no one identified themselves and after a moment of me saying hello they hung up. I called XXXX XXXX back and advised her that they had called again and that she did not do what she stated. I advised her that I would need to contact my attorney and also file a CFPB complaint. Not only is this a FDCPA violation, but totally unacceptable behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: i was affected by trans-union taking inquiries off my credit report and not notifying me properly and would like to have them removed.

Company response to consumer: Closed with explanation