milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed the late pay indicated on my credit profile, that transunion updated on XX/XX/2016, still showing it was late, but I have a letter from XXXX dated XX/XX/2016 stating it was in deferment and not late. This indicates that Transunion did not investigate the issue reported to them.

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 11-12-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have asked Portfolio Recovery repeatedly to not call. I block XXXX number and they call from another.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2017 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: Was not notified of investigation status or results

Complaint: Transunion is the ONLY Credit Reporting Company reporting false information!!!!! 

I have not ever been late on my XXXX XXXX XXXX XXXX nor my XXXX XXXX. 

This was previously corrected and added back for some strange reason. They said they were going to investigate AGAIN but did n't get around to it. As a result I was denied a loan based on LATE PAYMENTS!! Not FAIR! 

Inaccurate late payment and derogatory comments such as 120 late for both old closed mortgage accounts XXXX XXXX XXXX and XXXX and it was put back on.

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 09-09-2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Credit line increase/decrease

Complaint: I contacted Sears to increase my credit limit for me to buy one of their product I was denied such increase then received a letter from the company explaining the reason which was XXXX unsatisfactory credit and/or derogatory public record references ) I called the company XXXX/XXXX/2015 for more explanation since I was positive that I have no public derogatory on my credit account the customer service was not sure then confirmed that there is nothing on my credit history

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are several discrepancies are my credit report I 've spoken with more than several people at each of the CRA 'S and they will not correct my credit report in the way its supposed to read on toward the public. XXXX of the account in Equifax XXXX XXXX XXXX continues to read PAYS AS AGREED and the account has been PAID and CLOSED that 's the way the account is supposed to read also XXXX has stated that they do n't report account as PAYS AS AGREED only as CLOSED and PAID when and if necessary. 
Ihave documentation from XXXX stating these facts and have sent it to them and no change in my credit report. Also I only have XXXX negative account from a {$200.00} credit card that 's CLOSED and PAID at this time and when I paid the account the account went into good standing with all CRA 'S although it still reports as a negative on credit report for seven years and I understand that but also in the scoring module its a positive factor to close and pay an account and it gives you a higher score rating for the closure of the account whether it was good or bad and again I have not received any points in the positive.There are several more discrepancies but one thing can be done and that 's to update my credit report by hitting ENTER on the keyboard after highlighting an account in the correct areas like the STATUS or BALANCE even though it might say XXXX hitting the ENTER key after highlighting the account will update my credit report and score correctly. 
I have a good credit report and my score is much too low it should be much higher please help with these issues and help correct my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XX/XX/XXXX XXXX XXXX i have called, sent in letter 's. XX/XX/XXXX XXXX XXXX sent in letter 's XX/XX/XXXX XXXX of i have called, sent in letter 's XX/XX/XXXX XXXX XXXX sent in letter XX/XX/XXXX XXXX XXXX sent in letter XX/XX/XXXX XXXX XXXX XXXX called and sent letter to dispute XX/XX/XXXX XXXX XXXX sent letter to dispute XX/XX/XXXX XXXX called and company sent letter XX/XX/XXXX XXXX sent letter XX/XX/XXXX XXXX XXXX XXXX XXXX called and sent letter to dispute XX/XX/XXXX XXXX XXXX XXXX XXXX called and sent letter

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 04-05-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm trying to avoid foreclosure with Bank of America. I 've called multiple times to get a payoff and left voice mails with my phone number as well as my e-mail. No one from Bank of America has responded. I put up my home for sale, and need the payoff information.

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 02-10-2017 about Money transfers (International money transfer) with WELLS FARGO & COMPANY (NC).
Issue: Fraud or scam

Complaint: I was n't sure which category to select -- this is regarding XXXX -- trading. Of course after sending a total of {$80000.00} I finally figured out that this company just takes and takes and a person can never win. I asked that the taxes I paid be part of my account and they gave it to me as a " bonus '' - total {$42000.00} -- which I can never get back unless the money I lost is recovered which I read never happens. Read they were a scam. My account is now down to {$3100.00}. This was my retirement ( IRA ) money and their talk was good to get me to 'enroll ' by sending in the initial {$250.00}. They are unrelenting in asking for more money. I did no trading on my own until I was down to about {$5000.00}. Their trader ( s ) did it for me prior to that and I 've lost nearly everything. Their were XXXX different transactions/funds sent to XXXX. Any way to recoup?

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with MARINER FINANCE, LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Mariner finance keeps calling my job and telling my employees they are going to repossess a car that is n't under my name. I call them back to inform that they have to stop. Along my job and giving my personal information out. The guy answered back that if I wanted to play games I could.

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 02/13/2018 about Debt collection (Medical debt) with Continental Credit Control (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Original service provider -- XXXX XXXX XXXX XXXX collection company -- Continental Credit Control By law, it is my understanding medical bills are not permitted to go to collections before 180 days. What the original service provider and the collections company they are using are doing is illegal. 

First bill for this was on XX/XX/XXXX -- per my statement. Meaning we're only at 120 days, before the original service provider sent this for collection. Very well before the legal timeframe.

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 07/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Original account was purchased by XXXX XXXX XXXX XXXX and they did not provide validation of debt. Attempted numerous attempts to get validation of the debt and was never provided validation of said debt. XXXX closed there doors and was purchased by another company named Resurgent Capital Services located in XXXX SC. The said debt has been reported to the credit reporting agencies with inaccurate information stating opened XX/XX/XXXX and the original delinquency was in XX/XX/XXXX. Requested a Cease and Desist verbally and the agent refused to acknowledge stating that they only acknowledge cease and desist in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Credit card () with JPMORGAN CHASE & CO. (SC).
Issue: Credit card protection / Debt protection

Complaint: This complaint is regarding my South West Rapid Rewards card ending in XXXX. In or around XXXX of 2014, I gave XXXX verbal authorization over the phone to charge a down payment of {$100.00} dollars to my credit card for a down payment on a car a friend was purchasing. XXXX XXXX proceeded to charge my card {$1000.00} dollars which i disputed with Chase next billing cycle. Chase issued me a credit and started the investigation. Chase then reversed the credit of {$900.00} and charged me {$900.00} dollars for a payment I never made nor can the vendor show any proof I authorized any charge that I gave them permission to charge my card anymore than {$100.00}. Chase has failed to protect me as their customer and I will also be reporting this to The Consumer Protection Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: Paypal flips your purchase to PayPal credit several times during the checkout process. If you miss XXXX of the clicks you use PayPalCredit without knowing it. 
I did this and got hit with {$2.00} minimum interest and {$5.00} late fee. I paid to get my account in good standing. 
When I called to request the charges be reversed I was told that they would not refund the {$2.00} interest ever and they could n't refund the {$5.00} late fee now because I paid it. 
So I paid a total of {$7.00} " interest '' for 2 months on a {$17.00} purchase. 

I think that this is predatory lending.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-11-2017 about Mortgage (FHA mortgage) with LAKEVIEW LOAN SERVICING, LLC (TX).
Issue: Trouble during payment process

Complaint: I reached out to my loan servicer via telephone on XXXX/XXXX/XXXX re : loan payment deferral to to me and my family being impacted by the recent Hurricane. I was told by the CSR that he could not assist w/ my concern and he would ensure a loan officer contacts me within 48 hours. As of yet, a loan officer has not reached out to me. 
On XXXX/XXXX/XXXX I reached out to XXXX XXXX via email at : XXXXXXXXXXXX regarding my concern and have yet to receive a response. 
On XXXX I reached out to Customer support via email at : XXXXXXXXXXXX and received an auto email acknowledgement with a reference/ticket number is XXXX, as of date no response or reply to ticket.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Using a debit or ATM card

Complaint: About three yrs. ago, my husband was notified re : stolen credit cards and identity theft. The people who stole his cards spent over {$12000.00} with his cards. Everyone except Wells Fargo immediately refunded our money back to our card balances. Wells Fargo kept over {$4200.00} of our money and refused to refund our HARD-EARNED MONEY. XXXX, XXXX XXXX, XXXX and XXXX refunded back to us nearly {$8000.00} by doing the right and honorable thing. How can these MONSTER-MEGA BANKS steal money away like that and get away with it? Someone needs to go to prison for this! Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 03/22/2017 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (AL).
Issue: Problems when you are unable to pay

Complaint: I purchased a car and it was reposed. Credit Acceptance garnished my wages and later placed a judgment of {$11000.00} plus {$260.00} for court cost in XX/XX/2009. I 'm trying to paid the judgment of {$11000.00} and was referred back to the attorneys that represented the Plaintiff. The attorney 's office told me I now owed {$23000.00}. It is my understanding that the amount I owe is the amount of the judgment {$11000.00}. I am a XXXX mother in XXXX trying to pay off this debt so I can buy a home for me and my children. This judgment is no longer on my credit report but it is still affecting my ability to become a first time home buyer.

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 05-06-2016 about Credit card () with CITIBANK, N.A. (WA).
Issue: Other fee

Complaint: Citi Cards issued me a Citi XXXX Credit card. 
Citi had problems shipping me a credit card which delayed may aces to a card for 3 weeks after i was confirmed as being approved for the XXXX Credit Card. 

Per XXXX credit card I was going to charge on XXXX XXXX for XXXX {$250.00} purchase and be reimbursed {$250.00}. In addition Citi Manger XXXX, XXXX, notified me I was also eligible for the {$250.00} XXXX XXXX charge. 

Citi has NOW REFUSED to me credit for XXXX and XXXX. Citi recognized due to misinformed agents and late delivery of card I was prevented on making the initial {$250.00} in XXXX XXXX so XXXX, Kentucky Manager at Citi cards, authorized a {$250.00} credit in XXXX. 

Now Citi has CHANGEd the credits and REMOVED my {$250.00} credit for XXXX which had XXXX {$250.00} credit. 

Citi refuses to respond to this dispute and XXXX, Kentucky Manager will not call me back in 2 months! 

Citi is unprofessional and unethical to make promises to me and not reimburse my account as promised.

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 08/18/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: On XX/XX/XXXX, I attempted to open a credit account at the checkstand of the local Kohl 's Department Store.  When I entered my SSAN into the card reader, it showed the number belonging to an XXXX XXXX. Because of this, I was unable to open an account. On XX/XX/XXXX, I contacted Kohl 's Fraud Department by phone. A representative used the " national database '' to verify that the SSAN is indeed mine. I was told that on XX/XX/XXXX, a letter had been sent to XXXX XXXX, whose address is in California, and who opened the account in XX/XX/XXXX, requesting that he provide documentation to verify his information. If there was no response to their letter to in 30 days, another letter would be sent. The representative also told me that XXXX 's name was associated with another account that used a SSAN with one of the middle digits being one number off from mine. He said further that the name is also associated with another SSAN that belongs to someone by another name. I was offered the option of faxing or emailing to Kohl 's fraud department my photo ID, a copy of my SS card, and a copy of a current utility bill to verify MY identity. I objected, citing security concerns, and was told that there is no other protocol because of Kohl 's agreements with credit card companies. I asked for an address to mail a form letter from the identity theft website but was told emailing the letter would be faster. There is no option for emailing a letter at identitytheft.gov ( and none of the letters covers my specific problem ), and I 've been unable to locate a mailing address for Kohl 's headquarters. I called Kohl 's fraud department again on XX/XX/XXXX. A representative there checked the file. There has been no further activity, although my previous telephone call has been documented there. The rep suggested that the use of my SSAN for the other account could even have been the result of " XXXX fingers '' when someone entered it into their system initially ; but there is no other recourse for closing the file or removing my SSAN from it. She suggested notifying the Social Security Administration to prevent identity theft. It 's been 12 years since the Kohl 's account was opened and it has not been used. In my opinion, that is enough reason for Kohl 's to close the account and remove my SSAN from their system. Because I was notified this week that my identitytheft.gov account would be closed if I did n't log in, I logged in today and chatted online with a representative there. He suggested I file a report with consumerfinance.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Vehicle loan or lease (Loan) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I PURCHASED A NEW HARLEY DAVIDSON SEVERAL YEARS BACK. I MADE THE PAYMENTS ON TIME. IN MORE RECENT YEARS I HAD A FEW ISSUES FINANCIALLY THAT CAUSED ME TO GO OFF MY PAYMENT TRACK. I LOST MY JOB TWICE AND TRIED TO CATCH UP AS QUICKLY AS I COULD. BUT MY HOLE WAS DUG TOO DEEP. I FELL BEHIND WITH XXXX XXXX XXXX BY 90 DAYS. I CONTACTED THEM VERY FREQUENTLY AS I TOLD THEM I WAS MAKING EVERY EFFORT TO PAY THEM OR I PAID WHAT I COULD BUT IT WOULD NOT TAKE ME OUT OF 90 DAYS. THEN I RECIEVED MY TAX RETURN AND PAID THE BALANCE IN FULL AND ASKED IF THEY COULD REMOVE THE NEGATIVE MARKS OFF OF MY REPORT SINCE I WAS PAYING IN FULL. I WAS TOLD NO THEY WERE WELL WITHIN THEIR RIGHT TO REPORT ON ME. IT IS FOR THIS REASON I WILL NEVER BUY ONE OF THEIR VEHICLES AGAIN. I WENT THROUGH A HARDSHIP AND FOUND A WAY TO PAY IN FULL WHAT I OWED, THEN I ASK FOR HELP AND THEY SPIT IN MY FACE. I JUST WANT MY PAID IN FULL ACCOUNT REMOVED OFF OF MY CREDIT REPORT. MYSELF AND LEGAL TEAM HAS NOT HAD ANY RESULTS. I WILL ATTACH A COPY OF THE CREDIT REPORT SHOWING THE ACCOUNT AND A LETTER I RECENTLY RECIEVED BACK FROM THEM ABOUT MY DISPUTE. WHEN I AND THE LEGAL TEAM DISPUTED THE ISSUE I SENT A CERTIFIED MAIL LETTER CONTAINING MY REQUEST AS WELL AS A COPY OF THE CREDIT AGENCIES REPORTING THE NEGATIVE INFORMATION. ON THE LETTER HAD ALL MY PERSONAL INFORMATION. HOWEVER THEY SEND A LETTER BACK STATING THAT THEY DID NOT HAVE ENOUGH INFORMATION FOR A CLAIM. THIS IS HOW THEY KEEP AVIODING US. I AM JUST ASKING FOR FAIR TREATMENT FROM A PAID OFF CREDITOR. IT SHOULD NO LONGER BE AN ISSUE FOR THEM TO REPORT ON ME THEY HAVE BEEN PAID. I HOPE YOUR ORGANIZATION CAN PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Debt collection (I do not know) with P&B Capital Group, LLC (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A XXXX I believe from P & B Capital Group called my daughter and left a message stating they are attempting to collect on a debt. 
I have no idea who this person is and I believe it is against the Fair Debt Collection Act to contact family members.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Debt collection (Medical debt) with Green & Sons Agency, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Per my XXXX  REPORT, SHOWS 13 ACCOUNTS OPENED UNDER MY NAME AS A RESULT OF IDENTITY THEFT. I SENT THE POLICE REPORT TO XXXX  AND NOW I AM SUBMITTING THIS FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Debt collection (Medical) with Merchants Credit Corporation (WA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I have just received a letter from " Merchants Credit Association '' regarding a bill that I apparently owe a medical institution in XXXX called " XXXX Hospital XXXX XXXX ''. 

I have certainly never stepped inside this medical center, let alone been anywhere the company they claim to represent ( I have been to XXXX once in my life ). This so-called collection agency has sent me a letter saying my " account '' is in arrears, yet I have obviously never had such a letter from any medical establishment. It 's all incredible vague and suspicious. 

A few weeks ago I started XXXX, and of course registered for XXXX LLC. I set my home address as the public domain address on file, and I assume these guys are trawling the Washington State XXXX database and looking for victims to extort money from. 

The letter is very vague, and I ca n't find out much about the collection agency, so I 'm not sure what the correct course of action is. I do *not* want to invoke correspondence from these guys, as many reviews online states that this is used to be able to ascertain your telephone number in order to constantly harass you. 

Again, having this absurd demand and have never even stepping foot inside this medical center, or even hearing about them makes me think that they are purely looking for victims using Washington 's online small business database. 

I include a copy of the letter I received. 

Many thanks, XXXX

Company response to consumer: Closed with explanation