milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In late-May I contacted  XXXX ,  XXXX  and TransUnion with the following request. " Please remove the following derogatory report from my credit report :   XXXX   XXXX   XXXX   Date Reported -  XX/XX/XXXX  Payment Status - 120 Days Late Account Status - Derogatory Account Number -   XXXX   Account Type - Conventional real estate mortgage Original Loan Amount - {$260000.00} Date Account Opened -  XX/XX/XXXX  Date Account Closed -  XX/XX/XXXX  This property was sold via the HAFA program on a short sale. The short sale was approved by  XXXX  in writing on  XX/XX/XXXX  and the transaction was completed on XX/XX/XXXX .
Since it has been over 3 years from the date of sale this should no longer be reported as derogatory. This was not a foreclosure, even though we were informed by   XXXX   on XX/XX/XXXX  that they insist on using the foreclosure code even for short sales. Unlike other homowners who lived for years without paying their mortgage, we only missed 10 payments between  XX/XX/XXXX  to  XX/XX/XXXX , prior to the short sale, after the market crashed in  XXXX . This derogatory reporting should no longer be reported as derogatory. '' I initially contacted   XXXX   XXXX   XXXX   who advised me that I needed to contact the credit reporting bureaus. It was interesting when I spoke with   XXXX   because they said that my account shows a foreclosure, not a short sale. I offered to provide evidence of the short sale, but they declined, stating that even a short sale is listed as a foreclosure.
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I was told by   XXXX   as well as licensed realtors that if I did a short sale it would be on my credit report as derogatory for three years. I feel I have either been lied to by both, or that   XXXX   XXXX   current practice is incorrect. I would really like to know rules or laws, if any, apply.

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 11-10-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: they keep calling me from several numbers for a debt that is not mine. they are harrassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On or about XXXX, 2014. I noticed that a XXXX phone bill had appeared on my credit files. I requested that XXXX validate the debt and send me a copy of the application that was used to open this account. They never replied back to the debt validation letter. Now Jefferson Capital Systems is coming after me. I have continued to request that they validation and they continue to allow this to report on my files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Hello, I have written to Experian three times about an address that is reporting on my credit report that does not belong to me. I have never lived at this address : XXXX XXXX XXXX, XXXX IL XXXX ]. Experian claims that they have verified the address via public records, however, I have personally contacted ALL of my past creditors and not one has stated that they reported this address. I want the address deleted asap. I have never lived at this address. It belongs to someone else with a similar name. Not me.

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 06/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I faxed in a copy of my Identity Theft Packet and Police Report to TransUnion along with a letter indicating that I was a victim of identity theft. I requested that TransUnion block the fraudulent accounts reporting on my credit report and identified in the police report in compliance with the Fair Credit Reporting Act to report only accurate information and Section 605B to block fraudulent accounts from reporting in error. TransUnion willfully refuses to comply with federal law and sent me a letter indicating that they will " investigate '' the accounts and only remove them if the fraudulent creditors instruct them to do so. TransUnion willfully choses to cause me great harm by continuing to report fraudulent accounts despite receiving documention that the accounts are fraudulent. TransUnion willfully continues to cause me intentional emotional distress by ignoring federal law and upholding the reporting of inaccurate and fraudulent information on my personal credit profile.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On  XXXX   XXXX , 2017 and again on  XXXX   XXXX , 2017, I attempted to dispute inaccurate information on my credit report with Transunion, and was told that they do n't allow for the dispute of inquiries, that if they are on my report, they are accurate. I feel they are passing the investigative process on to the consumer, and violating the FCR A.  XXXX  and  XXXX  allow for the dispute of inquiries, but ne  ither do a reasonable     and adequate investigation, both completing their " investigations '' in less than 24 hours.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Credit determination

Complaint: I am writing to dispute my Costco/retail services Capital One credit card. I found out my credit score took a significant hit from XXXX to XXXX since XXXX XXXX. This was alarming due to my score having been XXXX or greater for the last 10 years. My Credit Lender pointed out that it was due to a Costco account that has been delinquent since XXXX XXXX in the amount of {$150.00}. This amount reflects late fees on a yearly Costco membership that I was never notified of. My lender stated that he has seen this situation with other clients from time to time. 
Our situation is that we moved from XXXX, XXXX in XXXX XXXX. We have not used our Costco card since XXXX XXXX. Since our move, I personally had all mail forwarded to our new address in XXXX, XXXX. We have been receiving our normal bills with the yellow change of address labels affixed. Mysteriously we never received any notifications or bills from Costco/Capitol One. This was never a thought due to the card not being used in over a year. 
I immediately contacted Capitol One and spoke with a supervisor. I presented my case to her. After some review, she found that our mail was returned to sender ( Capitol One ). Not only was my mail returned, my account had been closed. I wrote a letter to Capital One credit department on XXXX/XXXX/XXXX without any resolution of removing this delinquency from my credit report. I am requesting that this be removed from my credit report and taken care of as soon as possible. As you can imagine this greatly affects the status of my loan aplication. As mentioned, my above credit score is a reflection of my timely payments to all of my creditors. As you will see in my payment history with Costco since approximately XXXX, I have never been delinquent. I hope you can see the uniqueness of this situation. I greatly appreciate your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Problem with fraud alerts or security freezes

Complaint: Trying to do a credit freeze on all the credit reporting agencies due to the Equifax fiasco. Am being told there is a {$5.00} charge to freeze/unfreeze an account in Arizona at all three agencies. This is outrageous. Have already contacted the Arizona Governor, the  Attorney General, and all my legislators about having this regulation for fees rescinded. Three legislators have called me back and I am being told they will not be able to introduce any bills till after the new state session starts in XXXX. 

Citizens should not have to pay any fees for this freeze service. The credit agencies make enough money already and do n't need to subject us to more payments while we try to mitigate this disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Debt collection (Credit card) with Niagara Credit Recovery (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I obtain a XXXX XXXX from XXXX XXXX XXXX, making my monthly payments on time, even got an increase of credit. Well in late XX/XX/XXXX i received notice the current credit card was being transferred to a XXXX card and they will send notice when the new card has been sent out. I continued to make my monthly payment on time, during the months of XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX i called XXXX in concern because i had not received the new card, i was told due to the Holidays the delivery of the card maybe delayed XXXX XX/XX/XXXX XXXX. When i spoke to the individual in XXXX, i could not make any payments as the account showed the balance as zero, i called in again to make the payment and they wanted to charge me a phone fee, so i we went back in front on how i do n't see as a customer who has n't received the new card to set-up the online account to make a payment should pay a phone fee. The individual got rude so i hung up. No communication from this company but today i receive a voice mail from a male stating he was on his way to my home and if i was n't in he would be traveling to my place of employment to serve me papers. He left a number and a case # but no information as to what this was in regards to. I called the number left XXXX XXXX XXXX, the gentlemen who i spoke with stated they were suing me for {$1900.00} on a so called {$580.00} balance ( which the balance should have been around {$350.00} from the last time i made a payment ) stated, XXXX had written off and sold the account to them. I have never received any communication from XXXX or this collections company so how can they immediately sue for something that XXXX was negligent in not providing the new card or account information for me to continue to make payments? Please review and help on this matter.

Company response to consumer: Untimely response
Consumer complaint received 09-09-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Belk company has the same account listed on my credit report twice. The amount due is the same yet different account numbers are noted. I have requested validation for each account and have not received any validation. Therefore I concur both accounts are incorrect and would like them removed from all 3 credit bureaus.

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 09-12-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: My checking account was used against my permission to transfer money to another account. When I discovered the transaction I was traveling on the XXXX XXXX of the US where there are no branches and am scheduled to leave for XXXX on a trip for over 3 weeks in 2 days. I was told that in order to remedy the situation, that both accounts needed to be closed, and that I would need to establish a new account. 
AT THAT TIME I WAS VERY EXPLICIT IN MY QUESTIONING OF THE REPRESENTATIVE TO THE EFFECT THAT I MUST MAINTAIN ACCESS TO MY MONEY VIA DEBIT/CHECK CARD OR OTHERWISE BE PROVIDED A REPLACEMENT PRIOR TO MY DEPARTURE IN 2 DAYS. I MUST HAVE REITERATED THIS POINT 5 TIMES. 

I was assured that this would be taken care of. I was assured that my new account would be opened overnight and the next day that my old debit card would be assigned to the new account where it would be able to access all of the funds. 

In the interim I WAS REPEATEDLY ASSURED THAT WHEN I NEEDED MONEY LATER IN THE DAY THAT I COULD CALL THE FRAUD DEPARTMENT AT XXXX XXXX XXXX XXXX AND A REPRESENTATIVE WOULD AUTHORIZE A 1 TIME ATM WITHDRAWAL WITH A CURRENT CARD IN MY POSSESSION. I MUST HAVE HAD THEM REPEAT THIS BACK TO ME AT LEAST 3 TIMES. 

Tonight, I went out for dinner for business purposes. I offered to pay the tab. My guests had to catch a flight and i offered to pick up the tab. After they had left it dawned on me that my cards were invalid, and I have no cash on me. The manager would n't accept my drivers license or watch as collateral so I called TD Bank. They told me I was out of luck. I asked to be transferred to the fraud line. They informed me that my account was restricted in a manner that could not be remedied. They also asked why I would think that such a scenario could exist to remedy the situation. BECAUSE YOU XXXX TOLD ME SO. 

So as i stood in the Bank auditorium, speaking very calmly with the representative, and their impotent manager, it dawned on me that they completely misrepresented my ability to access my own funds to me, simply to protect and limit their own liability. I would have accepted full liability for further breaches just to keep access to the money i need to pay the bills that I incurred and travel this week. I told the fraud department exactly that. Seemingly they do not care. 

I 'm not sure why I 'm complaining about this via the CFPB. I am so embarassed by being handcuffed, not to mention furious for being held handcuffed and held outside of the restaurant like a piece of trash because my bank is paranoid that my password is n't secure that you can absolutely guarantee that i 'm going to file every single complaint available to me and every single lawsuit in every single jurisdiction I can find a court to subject you to. 

See you in XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Worthless customer service. Wronfull reporting of payment history, overcharges on intrrest, when i request indormation they never send it. Plase help me with this nightmares im sure they have recording of my endless calls

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Other financial service (Debt settlement) with GLOBAL CLIENT SOLUTIONS, LLC (LA).
Issue: Unexpected/Other fees

Complaint: This company has a problem telling the true with their debt settlement program. When I signed up XXXX, I thought they was handling my settlement program. I was told there will be no additional fees for service and they will contact my creditors to handle the proposal. However, this was a lie. 
They have another party Global Client Solutions XXXX and UCAN involved and they are the unprofessional and rudeness people to deal with. Refuse to call back, refuse to talk with the creditors on a proposal and lied about what is available since they are also taking fees that I was told at the beginning will not occurred. 
Today I talked with a supervisor XXXX and he was rude and told him I do not like the wait he was talking and gave me a very caustic answer.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Medical) with Central States Recovery, Inc. (MN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I Called the collections agency at XX/XX/2017 XXXX check the status in my account because was show is my credit report without any information o letter from that company, when I explain I was dispute portion and I request validation of the debt they claim since they do n't have license in Minnesota they cant mail any letter, but they can report it.last month they updated another account in my credit

Company response to consumer: Closed
Consumer complaint received 05-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ability Recovery Services, LLC (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Company never contacted me in reference to account. Had no knowledge that account ever existed until this morning XXXX/XXXX/16. Account has not been communicated what so ever

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Incorrect negative credit claims have been included on my credit report form Experian. The claims are from XXXX XXXX in the amount of over {$6000.00}. 
The negative credit claims do not belong to me.

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 11/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Cardinal Accounts, Inc. (IN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a a unverified account fromI CARDINAL ACCOUNTS INC. I had previously disputed this account. I have never done business with CARDINAL ACCOUNTS INC. Pursuant to the Fair DebtXXXX Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CARDINAL ACCOUNTS INC. Cease and Desist all further communications and collection actives and provide the verification of the purported 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 06-03-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: As of XXXX XXXX, I have not been able to pay on this Wells Fargo Acct # XXXX, the interest and late fees, just keep adding up, I would make weekly payments and it did not put a dent in this acct., I have tried to consolidate with Wells Fargo XXXX and was denied, I went with another Consolidation Company who has helped me consolidate my accts and have all been paid off including another W.F. acct .witch has been paid off, this W.F. acct is the only XXXX holding me back to start a better future, attached I have a statement that shows all the late fees and interest, what the problem is, that W.F. will not work with my consolidation company because on XXXX XXXX, XXXX they took a payment of {$960.00} from my daughters account, witch they have returned to us after I made a complaint with your bureau, when they took the money they said it made my account courant, but now no one knows how to adjust this problem to make my acct. past due since the money was returned to me, this has caused me a lot of stress because this is something I can not pay on my own, I am asking that you please help me to help them resolve this problem and work with me and the consolidation company, every time we call, they have been rude and say they do not know how to resolve this problem, if they would have never taken that money they would have excepted the payoff, I hope you can help me with this matter.

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

Complaint: Equifax allowed my personal information ( name, SSN, address, driver 's license number ) to be released in a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XX/XX/XXXX I called Equifax to notify them that previous attempts to have hard inquiries that were not authorized by me. I was told by XXXX they would be deleted. I was notified on the following day that they were verified as factual record of file access. They were not deleted as told to me on the XX/XX/XXXX and were updated as verified the following day. On XX/XX/XXXX I sent a letter to Equifax instructing them to remove these inquiries as they were not authorized by me and were n't related to any firm offer of credit, insurance, employment, or court order as the FCRA has put in place to protect consumers against actions that could be detrimental to their credit. This has in fact hurt my credit. On XX/XX/XXXX they placed that it was received and the XX/XX/XXXX they resent the same information " Inquiries are a factual record of file access. '' They are continuing to violate my rights as a consumer. Please investigate this for me and inform me of the results of the actions taken. 
Thank you

Company response to consumer: Closed with explanation