milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 03/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Transunion is supplying data for a habitual violating furnisher without permanently blocking. 
See CFPB XXXX XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX after multiple verifications, updates and certifications continues to damage me with unfactual information. 
On this report they show in collection in the payment record and the case closed in XX/XX/2012 ( this is false ) .They show last pymt made XX/XX/2012 and months of collection following this date ... this is obviously false.The payment records false recency is damaging. 
The furnisher ca n't get the record right after multiple attempts to do so ... ..I do n't have to suffer this without recourse.

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 04-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Data Corporation (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Due to misrepresentation of services and fraudulent practices, we are stuck paying {$4900.00} lump sum in future monthl payments for a product we do n't use Due to misrepresentation, we were stuck in a 48 month contract that did not perform like promised. Now, we are expected to pay {$4900.00} up front. We started working with XXXX in XXXX 2015. XXXX XXXX promised in writing a 1 % rate on all CC transactions and 0 % debit card transactions. It was never disclosed that we would be working with another company ( First Data ) We were also promised a XXXX machine that would be compatible with quickbooks for accounting purposes. We were sent a different model of key pad, but I did not complain since we were going to be saving at least 2.5 % ( 1.5 % more than promised in writing ) on all transactions. For the first few months, I noticed we were getting charged anywhere from 5 % to 9 %. After trying to get a hold of XXXX XXXX, I finally got a hold of XXXX XXXX of XXXX ( XXXX )? We had to settle for 2.5 % and 3.5 % that she refunded for a few months. Then it became difficult to get a hold of her, and we were not receiving any refunds for being charged 9 times more the percentage than promised in writing. I finally faxed a termination/cancellation letter to XXXX asking that we cancel with XXXX, First Data ( I had just learned that they were involved in the actual contract ), and any other companies involved. I stopped payment being taken out from any companies that I did not recognize through my bank because we were n't using their services. I get a letter from First Data about an amount owed. I called back and told them that it was cancelled due to non-performance and misrepresentation. They said that it was impossible to cancel. I was reported to the credit bureaus for non payment on personal and business and chased down by collection company XXXX XXXX. Now my business and personal credit is ruined for years and I am being forced to pay over {$4800.00} for a service that I have already cancelled and was n't performing like promised in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
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 filed a complaint against XXXX Credit Card after someone abused a POA and opened a credit card in my name. I submitted the notarized documents ( attached ) proving this was not an account I opened myself. XXXX and Equifax both stated they would not reinvestigate this matter, saying I needed to send them the very documents I have sent over on more than 3 times. I am starting to believe that they unlike XXXX are unwilling to accept the military investigation results and the notarized documents obtained during that investigation. I did not open this account and am still being held liable for it.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (AE).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I XXXX college on XXXX XXXX with a XXXX and two student loans to pay of. I got married last year ( XXXX XXXX ) and my husband is an XXXX XXXX XXXX XXXX. We are currently stationed XXXX and because of the XXXX agreement that XXXX and the USA have- this does not allow many jobs for military dependents such as myself. I have not had any employment since I got here and over the last year we have been paying off my school loans ( over {$40000.00} in total ) with only my husband 's income. We contacted the lending institutions to see if any options were available for lower interest rates for service members and their families, but one institution, Navient ( formerly XXXX XXXX XXXX, refused to aid us in any way, even after explaining our situation, on the basis that I am not the service member. The interest rate on this loan is almost 10 % .and we are paying both loans off of just my husband 's income. We recently almost emptied out our savings in order to get the loan with Navient to a more reasonable level ; With the dollar amount the loan had been at, and the interest rate, we were not gaining any ground on the loan with just the minimum payment, it actually went up. Why was the total loan amount increasing even while always making payments on time?

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We recently applied for credit and discovered, to our surprise, that Commonwealth Financial Systems, Inc listed the following debt on XXXX : MEDICAL XXXX Collector : MEDICAL Account Number : XXXX Date Opened : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Amount : {$50.00} Date of Status : XX/XX/XXXX Status : Closed There are several concerns regarding this debt : - First and foremost, I have full medical insurance coverage and this debt could not have possibly have been incurred in XX/XX/XXXX. 

- I recall having seen a collection of {$50.00} previously on my XXXX Credit Report but under a XX/XX/XXXX date and XXXX deleted the debt. However, it appears to resuscitate and is reposted again and again on my credit report ; each time under different Collection Agencies. 

- I 've been receiving numerous phone calls on my home phone and recently received one on my cell phone whereby the woman did not identify herself nor her organization and just said, " Hold on please, I 'm going to transfer your call to the person who called you ''.
The Fair Debt Collection Practices Act specifies that debt collectors can not : conceal his or her identity on the phone.
- The Statute of Limitations for a contracted debt in the state of Florida is five years.
- I have received a letter attempting to validate the debt and have responded accordingly. See attachment.
- I reviewed experiences that others have had with this company on the internet and they appear to be a nightmare. I fear that my letter of denial and request for verification of debt will be ignored and I will continue to receive calls and correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit card () with PAYPAL HOLDINGS INC. (TX).
Issue: Other

Complaint: i was trying to buy an XXXX card in XXXX and got the scammed cause the buyer sent me fake codes that didnt work / were already used

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Debt collection (Other debt) with RGS Financial, Inc. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In 2017 I cancelled my cable subscription with XXXX XXXX. All equipment was returned and the bill was paid in full. They then said I owed them for an " early termination fee '' They refused to produce either my signature or my verbal agreement to this contract which they say I agreed to ( which I dispute ) that justified this early termination fee. I have always and still do dispute that I entered into such an agreement. Even though they refused to produce these items I requested they went on and sold this " account '' to RGS Financial ( acct # XXXX ) whom posted this collection account on my credit report.I am once again asking for : '' Debt Validation '' of this account from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: After making on time monthly payments, DiTech has decided to report me late to the credit bureaus. In addition, they continue to state I owe monies that i do not owe. They claim it is due to escrow shortage however, my escrow statement from XX/XX/2016 shows an overage. DiTech states that the payment changed due to escrow changing. Per my contract, it states that the escrow amount XXXX change after the first year, not before I made my first payment. 
In addition, I 've been leaving messages for my DiTech representatives to discuss the matter per their previous complaint response and HAVE NEVER RECEIVED A PHONE CALL BACK EVEN AFTER REQUESTING ONE. Here is a list of dates : XXXX at extension XXXX : XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, and XX/XX/2016. 
XXXX extension XXXX : XX/XX/2016, XX/XX/2016 she stated she submitted a verbal dispute, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, and XX/XX/2016. 
XXXX ( manager ) x XXXX : XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, and XX/XX/2016. 
XXXX x XXXX - I spoke to her on XX/XX/2016 and she said she would have an account manager call me back. I tried reaching her several more times after I did n't get a call and could never get through to her again as she had no voicemail set up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I went to Best Buy to look at a new TV, and the salesman convinced me to sign up for the Best Buy Credit Card, which, if I bought a {$1200.00} TV, would be interest free for 24 months. I just found out that because I did n't pay the complete interest free balance before the 24 month date ( which why would I, it 's interest free! ) I got charged {$1000.00} in interest. Out of the blue. Put the card way over the limit, and embarrassed me IN THE BEST BUY where I was trying to purchase XXXX gifts. They are refusing to reverse the charges, saying the 'interest-free period ' was actually a 'deferred interest period '. None of which was explained in the store - had it been, I 'd of paid for the TV with cash or put it on another card. This is fraud, and it 's just plain wrong. Why offer this to consumers when it 's just a bait and switch? I feel betrayed and embarrassed. I never want to go back to Best Buy again.

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 09/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Other Debt : $ XXXX only owe XXXX {$9000.00} {$8900.00} ( - {$36.00} ) XXXXI only owe XXXX currently

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (FL).
Issue: Managing the loan or lease

Complaint: I disputed TD Auto finance on my credit report because it was reporting that I was delinquent after the account was discharged and closed since 2010. After the credit agency contacted TD Auto, they reopened my account and updated it as delinquent with several late payments and the previous XXXX balance updated to {$2500.00}. Then two days later, TD Auto reclosed the account. This cost me a drop of XXXX points to my credit score. This has to be illegal. I should not have been penalized for disputing a charge on my credit report, but I was! Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/21/2016 about Debt collection (Payday loan) with National Credit Adjusters, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: National Credit Adjusters calls me multiple ( more than 3 ) times per day from different phone numbers. I answered the phone today ( XXXX/XXXX/16 at XXXX ) and I explained to the collector, " Your company calls me repeatedly and I am at work, I am unable to receive calls. '' The woman on the phone stated, " No we do n't, you 're making that up. '' I informed the woman that I would be filing a complaint and calling her supervisor, to which she became increasingly volatile and condescending. I left a message for the collector 's supervisor, XXXX, around XXXX. I have not received a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Transaction issue

Complaint: Credit Card company paid disputed charges without my consent.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I would like to report Equifax for their lax data security. My personal information was stolen in the massive 2017 breach of their systems. Not only was their data security insufficient, they did not release the information of the breach for months after it occurred. Finally, when signing up for their credit monitoring service I discovered afterward that doing so apparently waves the right to any class-action lawsuit or individual lawsuit as a part of clicking yes. No where was it made clear before clicking accept that I was giving up those rights and I certainly would not have accepted had I known what I was giving up. All of this clearly indicates a company who is unwilling or unable to ensure the security of the immensely important information that they store and who is more than willing to cover their failures up and then XXXX the consumer by immediately tricking them into opting out of any lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: I opened a small business checking account with Bank of America, in part due to a {$100.00} bonus promotion. As shown in the attached advertisement ( which has been front and center on their home page for most of the year ), BoA promises a {$100.00} bonus posted to the account within 90 days, so long as a deposit of {$1000.00} or more is made within 60 days of the account opening date. The promotional ad and terms do not indicate that any other action is required other than depositing the required amount within that time frame. I have attached documentation showing a deposit of {$2000.00} on XXXX XXXX, 2015, less than one month after opening the account ( on XXXX XXXX, 2015 ). This falls well within the 60 day window stated in the fine print ). 

I have since had XXXX conversations with Bank of America customer service personnel ( some of which have lasted an hour, as agents round up information from various departments trying to figure out why the debit has not been posted ). Each confirmed that I seem to have met the criteria for the statement credit, and forward the complaint along for resolution. I only received a response from the company on XXXX of the XXXX requests for service that I filed ( Case # XXXX ), in which the emails states " Resolution action : Unable to complete as desired. To ensure the safety of your personal information we can not provide details related to your request in this notification. '' Upon calling the company, the agent noted that the back office requested I come into a branch, though this did not make sense to the agent given that it was an online promotion. The agent was not able to locate additional information, and promised to file another service request, but I did not receive a response. 

I have done as much as I can, and wasted a great deal of time that I could have spent more productively. Each time I am promised a resolution, which never materializes. I doubt that I am the only XXXX experiencing difficulties in receiving this promotion, and hope that some justice can be done. It is deplorable that Bank of America continues to promote this on their homepage while refusing to honor their commitments. They have already roped me into a number of fees commensurate with the bonus, but are refusing to take responsibility for their own commitments to their customers. 

As a small businessperson myself, I appreciate businesses that provide value to their customers rather than draining them of resources, energy and time. It is sad to see that Bank of America seems to fall in this latter category and that I am brought to seek out a regulatory institution to get a resolution. I am glad that there is a recourse to protect consumers who are being treated unfairly by the businesses they pay for service. 

XXXX XXXX, XXXX, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/25/2017 about Debt collection (I do not know) with Newman, Hesse & Associates, P. A. (KS).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I got a judgement placed against me in XXXX ( after the money order for the original debt had been received & cashed ). Anyhow, I thought after they rec'vd the money order they would just drop the case. They did not. They got the judgement because I did not show up to court. I hired a lawyer to help me with the case in XXXX. I thought the lawyer I hired took care of the case, only to find out recently that the Lawyer I hired had been disbarred. Now they are tacking on 10 years worth of interest & they have my social security number on display on the XXXX XXXX XXXX for the world to see. Its a debt collection Law Firm called XXXX, XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax continues to report inaccurate information on my credit file. 

They are reporting several public records that have not been verified to include, a Chapter XXXX Bankruptcy and XXXX released tax liens. Once I disputed, they updated the information and/or records but failed to verify the information and closed my dispute within 4days of receiving the information. 

Chapter XXXX Bankruptcy : If a proper verification was ever completed, Equifax would have known that the public records should be deleted due to the falure to retrieve verification documentation alone. The Bankruptcy has never been verified as they stated. This is due to the fact that my consumer file with XXXX, whom they claim they verified through, was at the time of verification FROZEN and thus could not have been. They falsely reported they did, closing my dispute in 10 days. 

In regards to the tax liens, according to their own website and printed on the dispute results attached " A paid TAX lien remains on file for 7 years from the date released or upto 10 years from the Date filed, whichever is earlier ''. One lien was filed XX/XX/XXXX ( XXXX ) and the other was XX/XX/XXXX ( XXXX ) these accounts should not be on my records. 

XXXX continues to violate my rights by falsely reporting they have verified public record information when they in fact have not. And they also refuse to delete inaccurate information that should have ultimately been taken off my credit file in time. I would like these deleted IMMEDIATELY as they are negatively affecting me as a consumer and violating the FCRA.

Company response to consumer: Closed with explanation