milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have attempted to have TransUnion verify public record information that appears on my report. I did not authorize and party or 3rd source to place public record if any to my report. I have reviewed my report with TransUnion and show that they continue to list a public record item on my report that has not be verified with original source. Also, I am aware of their XXXX automated verification system that does not comply per the FCRA law that such a system is considered a viable verification source. I am requesting deletion of stated public record reference number XXXX Circuit Court with no date of file for amount of {$69000.00} to be deleted from my TransUnion report due to not verified with original source and 3rd party does not consent to request information as such to be placed on my report. Also, per investigation I am requesting a copy of any documents bearing my signature of public record that show that stated amount is in fact a legal to collection or owed. If stated account is not verified bearing my signature within 30 days of compliant for investigation per FCRA it was be deleted.

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 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To whom It may concern OnXX/XX/XXXX, and XX/XX/XXXX, I sent a certified letter to XXXX and Experian informing them both that there were a number of inquiries and some are multiples on my report that I did not authorize and to remove them if they are not tied to an account. Inquiries should never be placed on someone 's files unless authorized and I did not authorize the inquiries. OnXX/XX/XXXX, I received two generic letters from XXXX stating that inquiries are factual data ( this is not true because I never authorized for my credit to be pulled from the creditors. After I received the letter I sent the letter again certified and received the same information from XXXX. I still not have received a response from my first letter from Experian and it has been over 30 days. It is very wrong for these credit bureaus to aid in damaging someone 's credit by placing things on there and refusing to remove them after being told over and over again that they do not belong to me. A security freeze is on my reports and both bureaus still allow creditors to access my report without verifying that it is actually me. I am well aware of my rights as a consumer and I am WELL prepared to take the next step if this problem is not resolved and the inquiries are not removed.

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 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My name is  XXXX   XXXX  not  XXXX   XXXX  and my address is  XXXX   XXXX   XXXX   XXXX   XXXX  del  XXXX  not  XXXX    XXXX   XXXX   XXXX   del  XXXX   XXXX   XXXX   XXXX   XXXX  del  XXXX   XXXX   XXXX    XXXX    de  XXXX , and the last for digit of my social is  XXXX  not  XXXX , and my phone number is  XXXX  not  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 07-12-2017 about Debt collection (Private student loan debt) with First Associates Loan Servicing LLC (NC).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I called around the XX/XX/XXXX, to start making payments since I was unable to finish the course. I spoke with XXXX and explained to him that I could only pay XXXX dollars a month, and I would continue paying that amount until it 's fully paid. I further asked if my payments could post to my account? And to taken out of the past status on my account. XXXX explained that I had to pay more than XXXX dollars but I had to pay XXXX exactly. I asked why? When the course was only XXXX dollars? He explained that with interest I now owed XXXX. He further explained that I would be forwarded paperwork that I had to sign and when I signed the paperwork and made my first payment my credit reports would reflect current status. Since I only get paid once a month the payment was supposed to post XX/XX/XXXX. I must explain that my billing comes from XXXX XXXX XXXX ; but when the money was taken from my account it showed XXXX XXXX XXXX while seemed fine. Until on the XX/XX/XXXX it withdrew XXXX three times, then on XX/XX/XXXX, totaling XXXX. To be withdrawn and causing my financial downfall. I called XXXX everyday until I was able to speak with him on XX/XX/XXXX. He voiced his concern and explained that he made a mistake and marked daily instead of monthly. He said my money would be refunded within 4 business days and any overdrafts. It took four days but shortly after I spoke with XXXX and he explained that I needed to sign another contract, and this time my credit report would be updated and in order for my late fees to be paid I had to send in an email.
What XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX did not realize was that because of their mistake my XXXX credit card was cancelled because each time they attempted to collect their payment it was not there because of the aftermath of their mistake. My cellphone has to be paid in cash only because their payment was rejected so many times.
I have went on their website to make a payment but a statement explains that I need to use the mail in method. I have also shown proof to the credit bureau that i was paying and had them removed from my credit report, only to have them placed back on their in two days with no warning or 5 day notice.
Please help me get rid of this financial, credit nightmare.
Thanks for your time, XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was making payments to a medical imaging company and they still turned me over to collections. I told them I could make at least {$50.00} payments a month minimum and they refused it. They said they needed more and that I had to give them a credit card to charge. I was actually sending them more the {$50.00}. I paid {$320.00} on XXXX, {$100.00} on XXXX, {$50.00} on XXXX, and {$170.00} on XXXX. Can they legally turn me over to collections when they refused my payment arrangement, plus I was still making payments?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NV).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: XX/XX/XXXX Opened Wells Fargo EveryDay Checking account with a bonus offerXX/XX/XXXX I met the offer requirements of at least 10 debit card purchasesXX/XX/XXXX I asked Wells Fargo if I met all the offer requirements for {$250.00} promotional bonusXX/XX/XXXX Wells Fargo employee, XXXX XXXX, messaged me acknowledging that I signed up using the promotional offer and informed that I have met the bonus requirements. He also responded that the bonus will post 45 days from meeting the requirements. Wells Fargo had the opportunity to inform me if I wasnt really targeted for the promotion, but it didnt. 

XX/XX/XXXX The 45 days waiting period passed but the bonus didnt post, so I messaged Wells Fargo XX/XX/XXXX Wells Fargo employee, XXXX XXXX, messaged me back saying that I will get a US Mail response within 14 business days. Wells Fargo had the opportunity to inform me if I wasnt really targeted for the promotion, but it didnt. 

XXXX/XXXX/XXXX The 14 business day period ended without any response from Wells Fargo, so I messaged them XX/XX/XXXX Wells Fargo employee, XXXX XXXX, messaged me back asking for 14 more business days for a response. Wells Fargo had the opportunity to  inform me if I wasnt really targeted for the promotion, but it didnt. 

XX/XX/XXXX The 14 business day period ended without any response from Wells Fargo, so I messaged them XX/XX/XXXX Wells Fargo employee, XXXX XXXX, messaged me back saying that I did not meet the requirements. Even at this point, Wells Fargo had the opportunity to inform me if I wasnt really targeted for the promotion. But they claimed I did not meet the offer requirements. 

XX/XX/XXXX I messaged Wells Fargo for the reason behind the evasive, contradictory, misleading information. 

XX/XX/XXXXWells Fargo employee, XXXX XXXX, messaged me back that I wasnt targeted for the campaign. If that is true, why on XX/XX/XXXX Wells Fargo informed me that the offer requirements were met and bonus would post in the future?

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 11/24/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Billing disputes

Complaint: I have docs proof of my purchase was canceled and did not hear from Capital One wanting further docs AT ALL. They recharged me for a purchase that was deactivated because I canceled to the software and now I have to repay? XXXX. Are you kidding me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Credit card () with U.S. BANCORP (MA).
Issue: Advertising and marketing

Complaint: Changed terms in XXXX membership rewards shortly after opening of credit card and paying {$75.00} annual fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I submitted a dispute with Equifax on  XXXX / XXXX / 17  for an account that has been reporting the incorrect balance. Along with the dispute I attached an invoice from the company that is reportin g (   XXXX   XXXX   ) th e incorrect amount. I spoke with a supervisor on  XXXX / XXXX / 17  that was Extremely rude and argumentative that my notice was not sufficient evidence. My notice clearly states the amount and it is different from what they are reporting. I received my results on  XXXX / XXXX /   17  that states the results conclude that  XXXX   XXXX  has verified and OUR company is reporting correct information. I feel as if that supervisor I spoke with was being rude with that " OUR '' statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent a letter to transunion saying that the company collection XXXX has not verified or validated my debt. So I sent a letter Transunion to remove coll recv sv tradelines. Transunion has declined to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (I do not know) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This company can not be reached via mail, their listed address is wrong. this debt was paid in 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 07/13/2016 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Unsolicited issuance of credit card

Complaint: I was charged for a service I did not ask for that they took out of my payments fpr years, this was done through my automatic payments. Though they reimbursed me for the fee I was not reimbursed for the collected interest that I had occurred and had been applied to my unpaid balance. I do not wish to pay them any further money as I believe they owe me money.

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 05-08-2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: To Whom It May Concern, I 'm filing this grievance against Select Portfolio Servicing ( SPS ) for failure to record new terms to my loan with XXXX XXXX County records. A loan modification is a permanent change to the loan terms and I 'm seeking to reduce the possibility of future issues in the event that my loan is transferred to a new servicer. Primarily I 'm concern here is the fact that I 'm reassuming a debt that was previously discharged in XX/XX/XXXX prior to completion of a loan modification on XX/XX/XXXX. 
Per the California Bill of Rights it is required that lenders record loan modifications. 
A recent decision by the XXXX Circuit Court of Appeals underscores the critical importance of timely recordation of mortgage interests and the ineffectiveness of the " earmarking '' and " contemporaneous exchange for new value '' defenses in the face of the strict timing rules set forth in section 547 ( e ) ( 2 ) of the Bankruptcy Code. Lenders should take note of a XXXX Circuit decision earlier this year in which the Court of Appeals highlighted the importance of timely perfection of security interests and mortgages. Rejecting XXXX defenses commonly raised in preference actions, the Court of Appeals held that a lender who takes more than 30 days to perfect a mortgage interest in real property XXXX have that interest voided in a mortgagor 's bankruptcy case if the perfection occurred within the 90 days preceding the bankruptcy filing of the mortgagor. 
I 'm seeking assistance and demand that SPS immediately record my new terms accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I filed chap XXXX BK in XXXX and among the creditors listed was TD Bank. This BK was discharged in XXXX XXXX. 

On my credit report for XXXX XXXX this account showed XXXX balance and closed. 

Then in XXXX for some reason TD changed this status to open, and with a XXXX balance. 

By my request, my bankruptcy attorney XXXX XXXX sent a letter to TD Bank ( attached ) asking that they correct the innacuracy. 

To date, TD has not done so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I want the CFPB to continue its investigation on the 2017 Equifax data breach affecting nearly every American who uses and has ever used credit in this country, as well as many non-Americans abroad.

For the CFPB to announce that they are not going to continue their investigation is unconscionable. American tax dollars are funding this agency specifically to look into these kinds of issues and the agency needs to continue the investigation into wrongdoing on Equifax 's behavior that caused the information to have been leaked, and their potential criminal behavior especially from their CEO/CFO 's in between the time they learned of the hack and the time it was announced to the public, and since. 

Specifically, the illegal selling of stock market shares after learning of the attack and before making the public announcement. 

Specifically, the extremely long time between learning of the attack and the public announcement. 

Specifically, the attempt by Equifax to try to shirk their liability in an insincere and deceptive way by sneaking it into an agreement by accepting their offering of credit monitoring services. 

The CFPB needs to do their job here and those at Equifax need to be looked into, and those responsible for the mishandlings of personal data need to be held accountable for their actions. I'm calling on the CFPB to continue their investigation fully.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (KY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I was in deference on my loan because I was n't work at the time and they reported late payment for 6 months.. I emailed them and called they keep saying they had the late payment removed but they are still on there ... I even sent a email again on  XXXX   XXXX   2017 a nd nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2018 about Debt collection (Credit card debt) with Convergent Resources, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting 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 explanation
Consumer complaint received 09-06-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (VT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I applied for a different income-driven repayment plan through FedLoans. I was already on an IDR but was eligible for a REPAYE loan to lower my monthly payment, as I plan to apply for the public svc loan forgiveness program. They told me I would be on administrative forbearance until the new payment arrangement started. They warned me that my first payment under XXXX would be bigger. I paid {$5.00} in XXXX for the forebearance payment and not two days later, they said I had XXXX student loan payment due on XXXX. They only gave me 2 day warning that I had a {$210.00} payment due! They did n't respond to an email asking for clarification. I was late paying about a week and surprised the payment was due. I wish they had to inform me of the new payment and give me at least 30 days to make that first payment. Otherwise, all is well. I just want them to communicate more clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Ocwen bought our discharged chapter XXXX bankrupt loan from XXXX mortgage in XX/XX/XXXX. Our bankruptcy was complete XXXX XXXX they have harrassed us for payments for loan and home insurance for the past 5 years on a house that we did not own. We have sent them file after file, and calling to no avail, even having our attorney help us. They finally discharged our debt XX/XX/XXXX, completely ruining any chance of cleaning up our credit. We now have to wait another 4 years before we can purchase a home which is where I would set up my business. Ocwen needs to have a Class Action law suit filed against them

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2015 I had prepaid for a rental car {$210.00} and once I picked the car up I was charged another {$350.00}. Since I was double charged, I contacted my bank and filed a dispute against the charges and returned the rental car. I was refunded the {$350.00}, however the {$210.00} has been refunded and withdrawn from my account on three separate occasions even though I have mailed, faxed and took copies of documentation to the actual branch office. I have yet to receive the credit to my account of the {$210.00} and due to them continuing to credit and then withdrawal the {$210.00}, I have had incurred additional insufficient fund fees. I have spoken with multiple individuals, including a branch manager and have been treated terribly and received no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This item was originally disputed with XXXX XXXX mortgage company, who has completed their investigation and confirmed that they have NOT reported my being delinquent to Equifax Credit Bureau. I spoke with XXXX XXXX XXXX at XXXX department, XXXX x XXXX and he stated that they have NOT reported any delinquency to Equifax for XX/XX/2013. I am attaching a copy of the results of the investigation with XXXX XXXX, and XXXX XXXX said that Equifax in improperly reporting inaccurate delinquencies. I have circled the XXXX items that need to be removed from my credit file by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (Auto) with CU Recovery, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I had attempted to negotiate a reasonable settlement of past due car payments with the original note holder. XXXX XXXX XXXX XXXX. We could not resolve. I voluntarily returned the vehicle. The vehicle was sold for an amount equal to or higher than amount owed. I attempted to resolve the quoted 'balance due after sale ' with XXXX XXXX. No response at all. Then I was contacted repeated by phone ( to the point I blocked the caller ). I responded in writing requesting no further phone calls and an accurate breakdown of charges. To this date I have not had any compliance from the debt collector - C U Recovery and they have actually sent me information with other individuals names on it stating they owe the debt as well. This C U Recovery appears to not have a professional representation nor is willing to assist in resolving this debt.

Company response to consumer: Closed with explanation