milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: To whom it may concern : I am filing a complaint against : Trans Union Credit Bureau, XXXX. XXXX XXXX, XXXX, PA, for inaccurate information and not following the law, FDCPA section 807 ( 8 ) and FCRA section 623 ( a ) ( 3 ). I have attached multiply registered letter to both TransUnion and XXXX XXXX XXXX XXXX. 

What am I looking for you might ask? Information showing when I received this late payment. 

Not only have they ( XXXX XXXX XXXX XXXX ) failed to furnish me with any information or statements they ( XXXX XXXX XXXX XXXX ) continue to put remarks on my credit file via TransUnion Credit Bureau. I have sent several certified registered letters to them asking for evidence of this late payment. They ( Trans Union ) have only said to me that they have as per my credit report XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Florida XXXX ( XXXX ) XXXX description : XXXX Verified as accurate as of XX/XX/XXXX. So, how can that be, because I still have not received any information from XXXX of proof or Trans Union for that matter. 

Verified : The collection agency or creditor may provide you with what they call proof, such as an itemized printout of what they claim is your account or billing statement. The FTC has issued an article on this subject, and concludes that an itemized printout does not represent verification. 
Unverifiable - you may want proof that a creditor or debt collector has the right to collect from you, and you find out that they dont have your original hand- signed contract on file anymore - paperwork gets lost. No proof of contract means no authority to report or collect from you. 

I also sent TransUnion Credit Bureau information about the company in question. TransUnion has not been forth coming either, saying that they have spoken with and validated the information to be true. Yet, I still have not received any evidence to prove that fact. 

I would appreciate any help in this matter would be great. I have been trying to get to the bottom of this matte for over a year now. 

Thank you Reference to : XXXX XXXX XXXX XXXX Closed Account showing late payment from XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2015, I made a {$100.00} cash deposit into my checking via ATM location # XXXX located at XXXX XXXX XXXX XXXX, XXXX, IL. This ATM belongs to Fifth Third Bank. A deposit slip printed from the ATM showing my correct ATM card number, the date, and the deposit amount of {$100.00}. The following business day, I checked my online access account with Fifth Third Bank. The deposit had not posted. I called the XXXX branch office at XXXX and explained the situation to the teller who answered. I was advised that I would need to call XXXX and file a dispute. I called and filed. Case number XXXX was opened for me via the Disputes Resolution Dept. and I was issued a provisional credit for {$100.00} in my checking account on XXXX/XXXX/2015. I was provided with a letter regarding this transaction. 
On XXXX/XXXX/2015 I logged into my Fifth Third online access account and found the {$100.00} had been debited from my account with the description " reversal of dispute provisional credit ''. I also received in the mail a letter dated XXXX/XXXX/15 that Fifth Third Bank had denied my dispute because they had determined the ATM to be in balance. I called the Disputes Resolution department immediately and was advised to bring my ATM receipt into the branch where the deposit was made. I went to the branch on XXXX/XXXX/15 and sat down with personal banker, XXXX XXXX, and we together made a call to the Dispute Resolutions dept. where we were instructed to fax a copy of my ATM deposit receipt to XXXX. The fax was made and I was sent home with no timeframe of completion. I followed up with the disputes resolution dept. on XXXX/XXXX/15 to verify the fax was received and to determine a timeframe in resolving my dispute. I was advised the fax was ( 1 ) received, but ( 2 ) my claim was still denied because the ATM was found to be in balance. I followed up with an email to XXXX XXXX on XXXX/XXXX/15 letting him know the findings. I have not been offered any help in resolving this matter. 
I find it to be absolutely unacceptable from a customer service standpoint that a deposit can be made into an ATM, a proof of deposit receipt is provided, and yet the {$100.00} is missing. The XXXX branch has provided absolutely no service at this point. The denying of my dispute by the Dispute Resolution dept after providing solid proof is also unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-06-2017 about Debt collection (Medical) with Ray Klein, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/XXXX I was seen at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, for a XXXX. I was XXXX and had a BRIEF consultation with a physician. I was placed in a XXXX and discharged. For that, I was billed an outrageous amount of {$3000.00}. The hospital deducted {$1000.00} and the insurance paid, leaving a balance of {$1300.00}. 

After arriving back home in XXXX, I went to see my own doctor on XXXX who also XXXX and made an assessment and billed me {$470.00}. 

My insurance paperwork from XXXX XXXX of XXXX states " The amount billed is greater than the amount allowed for this service. Based on our agreement with this provider, you 'll not be billed the difference. '' I repeatedly receive bills from XXXX XXXX and have twice sent in my insurance paperwork as well as faxing the same. XXXX XXXX has never responded to me as to their agreement or dispute of the paperwork. I was surprised then, to receive a notice from Professional Credit Service, located at XXXX XXXX XXXX, XXXX, XXXX XXXX ( or XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX ) attempting to collect this debt of {$1300.00}. 

I feel the exorbitant amount charged by XXXX XXXX, especially when compared with my doctor 's visit just 4 days later, was a deliberate and excessive charge on a patient residing out of state. My XXXX residence hinders me challenging this as I can not travel back and forth to obtain information and, as I 've mentioned previously, the hospital has refused to communicate in any way.

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 non-monetary relief
Consumer complaint received 06/24/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Account listed XXXX under XXXX different account numbers. Mortgage servicing transferred between XXXX companies but only XXXX loan. Experian refused to correct and when I tried to upload documentation (included here) Experian placed a block on me so I could not. The XXXX date of delinquency was XX/XX/XXXX and the account fell off all XXXX reporting agencies by XX/XX/XXXX. Unfortunately the duplicate account is still present on the Experian report. By phone on XX/XX/2015 I spoked with (XXXXTeam Specialist) for Experian (would not give me any more identification) informed me that it is my job to verify the data with the creditor and to give Experian the name and number of who I talked to and they would follow up. I informed him that I wanted to know who Experian talked to for validation of my data and XXXX informed me that they did not have that information and was not required to have it. I asked him if the verification was done by automated response and he could not answered. I have enclosed the documents I was unable to upload through Experian below to validate my claim and hopefully get my Experian credit report to show accurate information. I have included a more detailed version of events below. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2016 about Mortgage (VA mortgage) with RoundPoint Mortgage Servicing Corporation (AR).
Issue: Loan servicing, payments, escrow account

Complaint: We applied for and were approved for a VA cash out refinance loan. When we were almost ready to close the loan our existing mortgagee, Roundpoint Mortgage, sent us a letter dated XXXX XXXX, 2016 stating our loan was being sold to XXXX XXXX Mortgage/c/o XXXX XXXX. We signed the documents closing our loan XXXX XXXX, 2016. We received a letter about the transfer of our existing mortgage from XXXX dated XXXX XXXX, 2016 saying they were servicing our existing loan with payment information. We received our borrower 's final closing statement from XXXX Escrow dated XXXX XXXX, 2016 which showed the payoff of our loan to RoundPoint Mortgage not XXXX. Along with that document was a letter from XXXX Escrow dated XXXX XXXX, 2016 that indicated an escrow account was closed. Attached are copies of these documents. As of today, we have n't received the money we had in escrow from anyone in the amount of {$1000.00}. RoundPoint says it was transferred to XXXX XXXX. I ca n't get XXXX XXXX to talk to me as our loan number and last XXXX digits of my husband 's social do n't come up on the automated answering system. Could you please help us get paid our money that was in escrow connected to our paid off loan? Your agency helped us recently and we were very grateful for that. This is just like before, we 've exhausted all of the options that we can think of. Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Advertising and marketing

Complaint: Took advantage of an interest free offer and the bank charged interest even though I paid off the monthly charges on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Loan was delinquent. Ended up paying off the vehicle but vehicle is showing as charged off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (I do not know) with National Credit Systems,Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Morning, I have never done business with this company, I have never received letters from them. I have files a report with BBB. I have never signed a contract nor have this company ever verified this debt is mines.       Date :    XXXX   XXXX  ,2015  total {$500.00} Date :    XXXX   XXXX   , 2015  total  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 05-01-2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (UT).
Issue: Making/receiving payments, sending money

Complaint: US Bank has not recorded all of my payments on a credit card. 
Last month I did not receive a bill. 
I made two payments totaling {$750.00} that did not show up.

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 04-11-2015 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Payoff process

Complaint: When using the autopay option, Chase only allows me to pay either the full amount due on my card or the minimum due each month. I am trying to pay off the card, and by refusing to let me pay more than the minimum due each month using the autopay system, I feel Chase is forcing me to pay more interest than I should. Please require Chase to offer more autopay options. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Portfolio Recovery continues to contact me. They do not leave a message. I was involved with a class action suit with Portfolio Recovery that was settled a few months ago. I have filed a complaint against this company a few months ago and the calls have increased and they call from different numbers in different states. This harassment needs to stop. I do not owe this company any money. My last complaint was also for them pulling my credit without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/29/2017 about Debt collection (Credit card debt) with FEDERAL PACIFIC CREDIT COMPANY, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: After repeated call to my cell phone and employer, I was finally able to call the company back and spoke to XXXX. I asked what they were calling about and they said I had a debt with XXXX XXXX from 2011. I advised " XXXX '' that this was not my debt and asked him for further information such as dates. I advised him that this was supposed to have been disputed and resolved so then he said " I thought you said this was not your debt! '' and before I could get a word in he threatened to pursue legal action and file a XXXX form with the IRS and hung up on me. I called back and spoke to another man, whose name I did n't get, and advised him of my conversation with XXXX. I told him that XXXX rudely hung up on me assuming the debt was mine. I advised him that this was not my debt and I had submitted a dispute long ago and had gotten this resolved. I advised him repeatedly that this was not my debt. He asked for my name and the last 2 of my ss # and after I provided that information to him I tried repeatedly to ask him to send me proof of this so-called debt in writing but he kept interrupting me. It felt almost like he did n't want me to say my request although I tried he talked over me and then abruptly placed me on hold for several minutes until I had to hang up because I had to return to work. I thought that I had gotten this incorrect information fixed long ago until this week when I began receiving multiple calls and messages from XXXX XXXX XXXX. The most frustrating part is that these men will not give me the time of day to properly request information in writing and advise them of the dispute resolution. Before he rudely hung up on me, XXXX said not to call them back unless I 'm ready to come to an agreement and that if I do n't resolve the matter they are filing a XXXX form. I should not have to go through the headache of disputing a XXXX when I already " resolved '' this erroneous debt years ago, nor should I be coerced to make " arrangements '' for something that I am not liable for.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Debt collection (I do not know) with Financial Credit Service, Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Received a phone call this morning from ARA XXXX claiming to be a law firm ( XXXX ). Claimed I owed a line of credit to XXXX XXXX XXXX for {$20000.00} from 1992 and that I needed to pay immediately or they would file a lawsuit with the XXXX XXXX Courts and the sheriff would be at my door with a summons. I told them I have never done business with XXXX XXXX XXXX and have never had a line of credit. He said that it has showed up on my credit report for years and many attempts have been made to collect. I told him I have never seen this on my credit and I do not owe the money and that the statue of limitations has already passed. He said I must owe the money because I know of SOL and that he could make a deal with me to settle the debt if I paid now. I once again told him I did not owe the debt - he then processed to talk over me in a very threating manner saying that he was going to file the suit and the next time I hear from then it would be the sheriff at my front door - he then screaming some profanity at me and hang up. I am over XXXX and feel that this type of behavior is getting out of control especially with the senior population.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Rewards

Complaint: Bank of America closed my credit card account with no warning. The account was current with no issues. I had earned {$300.00} in rewards. The bank is telling me that since the account is closed, I have forfeited these rewards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was recently sold to Nationstar ( from XXXX ). I made my last ACH payment of {$1200.00} to XXXX on XX/XX/XXXX but that payment was never credited to Nationstar. After countless calls, including with a supervisor, this is still not resolved and my credit score may have been already hurt. Nationstar said they are " investigating '' this but they re not doing anything, t 's been 2 months now every time I call I have to start from the beginning, as if its the first time I call. On top of that, I get automated calls every morning from their computer TRYING TO COLLECT MONEY THEY MISPLACED, ITS INFURIATING!

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: this company accessed my credit with no permissible purpose and without my written or verbal consent. The credit bureaus refuse to remove it and state that I must contact the creditor. This is not a case of ID theft or Fraud. This is simply a case where XXXX accessed my credit file without my written or verbal permission or the credit bureau reporting a soft pull as a hard pull. Either way it must be removed per the law as no permissible purpose exists and never has. I need this inquiry removed immediately. Account name XXXX Date of request XX/XX/2017 Comments per the bureau : Unspecified inquiry ( NO PERMISSIBLE PURPOSE )

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FIDELITY CAPITAL HOLDINGS, INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Based on the TFDCPA : Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.I like to build this case on the collection company in hand because they do n't have the right to collect any debt in the State of Texas. They have sent me a packet XXXX/XXXX/2016 trying to collect in my state without the proper legal document require to collect in the state of Texas.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Problem with fraud alerts or security freezes

Complaint: In the wake of XXXX XXXX unethical handling of our information that we did n't choose to provide, I have been unable to immediately get credit freezes because of demands for police reports, newly created run-arounds by TransUnion in order to trick me into buying their fraud monitoring instead of simply allowing me to get the credit freeze I need, as well as steep fees for the credit freezes that keep myself and others like me from being in control of our identity.

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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My loans were in deferment for 1.5 years during XXXX school. As I was planning to begin repayments of prior loans and loans ending their grace period, I noted many inconsistencies on my online account. The online accounts are not updated to reflect payments made regularly. It was also impossible to determine when payments were due for different loans. This information was not only unavailable online, but inconsistent with different customer service representatives even within the same day. Over the last month, I had been contemplating consolidating with another company due to the poor service. I am a responsible consumer and my experience in trying to repay my loans has been terrible. I do not trust this company in servicing my student debt and educational investments.

Company response to consumer: Closed with explanation