milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am in the process of obtaining a mortgage. I applied with a mortgage company that after looking at my credit report indicated that they not process my application because I have XXXX accounts with disputes, and that they would not process the loan unless I remove the dispute. XXXX of the disputes is with collection accounts with XXXX. 
I had disputed the account because XXXX was never able to validate the account and they are claiming an amount for medical services received in NJ in 2012. I have not received medical services in NJ. Last time I received services was due to hospitalization in 2012. 

Reluctant to do and following the instructions of the mortgage company I requested ( see attached a removal of the dispute ). Transunion incorrectly classified the account as a new account placed for collection. My credit score declined overnight from XXXX to XXXX due to the wrong coding of the account. 
Although, I know I do n't owe the money I called XXXX to try to settle the account because I will not be able to obtain a loan with the decline in the credit score caused by Transunion. When I called XXXX today they indicated that they do n't have that account anymore and refused to provide me with an explanation of what happened. Nevertheless Transunion continues to report the account and now to make matters worse they reported this as new account placed for collection. 
In addition to that Transunion does not let me do a new dispute online to provide them with the information I am including here. 
I am requesting that Transunion take immediate action to remove the account completely from my credit report and bring back the score to the level it should be without that account.

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 09-11-2015 about Debt collection (Mortgage) with SUNTRUST BANKS, INC. (CA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I received a phone call at XXXX XXXX my local time, local to the address/zip code that my mortgage is through. When I answered the phone, the representative stated that she is with SunTrust mortgage and asked me for my social security number. She did not disclose that this was debt collection ( failure to use FDCPA miranda ) and I was very confused. She refused to tell me what the call was in reference to. 

I called SunTrust and they disclosed that the call was an automated dial in an attempt to collect a debt. I had already submitted my payment the previous business day before receiving the debt collection call, and my payment was still within the 15 day payment window ( not late ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Debt collection (Private student loan debt) with Javitch, Block & Rathbone LLC (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacted me about an alleged debt. I responded with a debt validation letter requesting several items. They sent me two of the things I asked for. I responded telling them that they did not provide what I asked and that if they did not provide it, I would assume that they did not have the right to collect on it. They did not respond. Instead, they sued me. I know they are currently barred by the CFPB in regard to filing suits in which they do not have proper paperwork but yet they are still doing it.

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 07/25/2017 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (AR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: previous complaint XXXX is not resolved & the nature of the complaint remains the same. I still receive calls daily. Today I received my most recent call from the number listed on the complaint at XXXX XXXX central time. the company response to my previous complaint suggested that I may have additional numbers that I need to provide ; however, XXXX is the only number for my business. I 'm very frustrated with the lack of resolution in dealing with this issue & hope that you can influence a result soon.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have made several attempts to have the account closed and removed for a child support case that was closed over 4 years ago and is still being reported on my credit. I called said agency and was told the account would continue to stay open until I pay a XXXX $ application fee this account was opened in 2012. And was closed the follwing year yet has been reported incorrectly on my credit report for almost 5 years.the child was in my custody from the time of the account opening until its closure the account was opened incorrectly on my behalf.

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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I did a dispute with XXXX and Equifax and the report came in that the debt of XXXX XXXX XXXX  was to be removed from my credit report due to incorrect reporting on my account information. As of yet the report for XXXX XXXX is still showing in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I purchased a XXXX from XXXX close to 2 years ago. I was told by the sales clerk that the one I picked out for XXXX dollars was not a good XXXX, so she directed me to a more expensive one that was over XXXX dollars for the device and XXXX a month. It is a device that allows you to have wifi service through XXXX without having XXXX in the home you are in. She told me that XXXX of the XXXX dollar one would be refunded after 60 days of having it. So I bought it. I also, of course, had to sign a XXXX yr contract for it. When I took it to where I work since there was not internet service there, it had continual horrible service. I called 3 times over a two week period to speak to customer service and they said there was nothing they could do and that I could not bring it back. They also said that if I tried to get out of my contract there would be a fee for it. They also said there was no rebate on that device, and that the sales person lied to me, but even if there had been there still would n't be no rebate if I cancelled the service for the XXXX. I was told that the charge would be XXXX dollars. My dispute was that if I kept paying on a product that did n't work for the next three months ... that would be more than my rebate that I still had n't seen as promised. I got nothing but a continual lies from them. XXXX customer service was so rude that I just told them I needed to hang up. I could n't take it anymore. I still had my XXXX phone service but disconnected my XXXXI and then I paid my cell phone along with my early disconnect XXXX fee. I tried a few more times to try to get the charge taken off since it never worked in the first place and I should n't have to pay on something I ca n't use AND that I should n't have to pay just to get back a rebate that some sales person said I was entitled to and then another said that I was n't. All of this just drove me crazy so I gave up. I paid my phone bills and then just dropped XXXX since I had been with them for so long that I no longer had the initial contract with them. It is now and has been for a long time on my credit report under XXXX different companies and is bringing down my score. It is upsetting and I do n't know what to do anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-10-2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a Notice from the court that I was being sued for a Capital One unpaid debt in the amount of {$16000.00}. I was XXXX in XXXX and could no longer make monthly payments on this account. According to my 3 credit reports, Capital One states that I have been making payments on this account up to XXXX, this is false. I have not had contact with this company since XXXX and they closed this account in XXXX. The Statue of Limitations on Debt in Texas is 4 years, so, time on this debt ran out in XXXX. This debt should have been removed from my credit report in XXXX. I sent a letter of dispute to all 3 credit bureaus and both XXXX and XXXX  still have the payment dates listed as me making payments in XXXX!  I think Capital One has given them false information in order to file a suite against me. I want to see proof that payments were made by me in XXXX, such as the cancelled checks. They do not have this proof, since I have not made payments on this account since XXXX or had contact with Capital One since then. I also want this debt removed from my account at the above mentioned credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I made arrangements for credit card payments last year with  XXXX  and representatives advised that my credit would not be reported as " negative '' as long as I kept the arrangements. A  manager pretended to have listed to the phone calls were I was misleaded and now my credit report shows 120+ late  payments which could have been avoided if  XXXX  had provided correct information to me and reported the payments as agreed.  XXXX  reported late payments to credit bureaus when I was making payments under their payment plans.  XXXX  denied removing false data.

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 07-10-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I recently made a transfer from the above referenced account on XXXX based on funds showing available. Somehow the ledger was off by XXXX which resulted in one overdraft fee after another. Totaling {$70.00} for a discrepancy of XXXX Now does this seem okay, to charge consumers? Additionally, I see this as a very unfair and deceptive practice based on how the transactions themselves do not post chronologically which results in more fees to the consumer. I am asking this to be reviewed and rectified by removing the fee. <P/>I can be reached at XXXX or my wife XXXX who is also on the account at 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 monetary relief
Consumer complaint received 03/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have never been or never will be XXXX XXXX, I have written to the agencies before to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Consumer Loan (Installment loan) with B&F Finance Corp. (TX).
Issue: Problems when you are unable to pay

Complaint: they call me at work text me call all my refrences even when im less then 30 days behind they call before XXXX and constantly like 4 times when i do not anwser

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2016 about Debt collection (I do not know) with Phoenix Financial Services LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Making harassing telephone calls but will not disclose any information about the debt when requested. Would not verify debt origination by phone nor by written communication. Just stating a debt is owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Debt collection (I do not know) with Stellar Recovery, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received notification that a Debt for the amount of : {$140.00} on XXXX XXXX, 2016 was place don my XXXX Credit Report and am not sure if there are others from this company. They have not provided any pre-collection attempts or notified me via postal mail, or a phone call. They have the wrong person. Ruining my credit. Needs to be removed ASAP! and A LETTER TO ANY CRA 'S REPORTED TO, TO have it removed. 

I need this removed ASAP! 

Alert Date XXXX/XXXX/2016 Source XXXX Company STELLAR RECOVERY INC Payment Status Collections Status Date XXXX/XXXX/2016 Balance {$140.00} Balance Date N/A Address XXXX XXXX XXXX XXXX, MT XXXX Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (OK).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: When we applied for the account they asked when we would like the due date and we said after the  XXXX  as I get paid on the  XXXX  and  XXXX . Our   XXXX   payday is primarily for our mortgage so all creditors go after the  XXXX . They agreed. I looked at my statement and realized they made the due date some months on the  XXXX  and others on the  XXXX . I have been charged between a {$27.00} and {$32.00} late charge for anywhere from  one  to for days late. This is specifically why I ask all my creditors to make my due date after the  XXXX . When I called the TD Bank to discuss the issue and tell them I had requested a due date after the   XXXX   they told me they ca n't change my due date. This is clearly an abusive practice from TD Bank and/or  XXXX   XXXX   XXXX  to not honor a request of a customer 's due date by a couple of days and penalize them starting at one day late. Clearly it would seem this is a strategy given the closeness of the due date that was requested. Also, not having at least a one day grace period is not only a common courtesy, it 's not even an industry standard. Very aggressive and abusive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/20/2016 about Debt collection (Medical) with PDQ Services, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: As reflected in the attached letter dated XXXX XXXX, XXXX, XXXX states, on its Company letterhead, " We previously sent you a letter on XX/XX/XXXX as a first notice of placing your account with collections with PDQ Services, Inc ''. Their response that it was with another agency to my complaint is completely inaccurate and false. The actual letter sent by PDQ is attached, for the second time, to this complaint as proof to the Bureau of Consumer Financial Protection that PDQ did in fact hold the debt and try to collect on XXXX XXXX, XXXX. PDQ is using ruthless tactics and bad faith when listing the date as occurring on XXXX XXXX instead of XXXX XXXX. This keeps the account listed on my credit report for an additional 2 years as a collection and delinquency -- there 's extending the credit reporting date. PDQ 's possible subsequent re-acquisition date with the dental clinic is PDQ 's complication, not mine, the consumer. PDQ must update the credit file to reflect the accurate date of initial collection as XXXX XXXX, XXXX, not XXXX XXXX, XXXX as it is currently listed on my credit file. Next, as reflected on the attached bill dated XXXX XXXX, XXXX, the account balance is {$490.00}, not the {$370.00} as stated above in their response to my complaint. Once again, acting in bad faith by trying to collection more than the actual bill. How does the Company explain the difference? The bill is for {$240.00}. Not {$370.00}. I will file a separate complaint against the dental clinic. This Company, PDQ, is ruthless and harassing in its collection efforts. Do they inflate the amount owed and prey on consumers that have hit hard times, then later " settle for an amount '' less than the stated value, thereby tricking the consumer? The issues : The Company is purposefully reporting this account as first going into collections on XXXX XXXX, XXXX, after the initial letter written by them on XXXX XXXX, XXXX thereby adding 1 year, 10 months and XXXX additional days to report and collect the debt. The response from PDQ is dishonest and inaccurate when stating they did n't have the collection account in XX/XX/XXXX as the letter written on the PDQ letterhead proves otherwise. This Company must accurately reflect the initial date of collection. Id like an investigation into their billing and reporting practices to find out how many consumers they have practiced these ruthless and unethical tactics with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MO).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I had a man knocked on my door. My husband answered the door he asked if I was home. Then he tried to serve me with some papers told him to leave are property. He left papers on are pourch. We looked at them. It was a summons. So we went to court. It was a dept colecter trying collect debt. The bought it from XXXX. We told the XXXX did not owe the amount. That was said we owed. So the judge set a mother court date. We did not get any paperwork of next court date. So the collection agency got the judgement. I made arangments to make payment. The debt collector wanted a higher amount I could n't pay. My husband is XXXX and the dept collector tried to garnish his bank account with is his ssi check. They are breaking the law. And his name is not on the garnishment order. They talk to my husband about my debt which is also against the law.

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

Complaint: There was a federal lien on me that has been withdrawn by the IRS, but Equifax keeps reporting it as " released. '' I have disputed it twice and both time I received notification from Equifax stating that they verified the lien and the item is being reported correctly on my credit report. They refuse to remove the lien from my credit report even though the IRS has filed a withdrawal of that lien with the county court. I need them to remove that lien from my report because it is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: This is in reference to case # XXXX. I have not received any correspondence from Chase since I received a letter dated XX/XX/XXXX where they admit their mistake and advised me I would have resolution within XXXX days. I have called and left a voice mail with XXXX and have received no response. In addition, after pulling my credit report today, it shows a large " past due '' balance which is not correct. XXXX is also showing that Chase has reported my payments late by 30 days in XX/XX/XXXX and XX/XX/XXXX as well as 60 days late in XX/XX/XXXX. Lastly, I have not yet received my XXXX tax form which I need to file my taxes. This form is " unavailable '' when I log into www.chase.com. I also have no faith in the actual amount that will be reported on this form since my loan is so messed up. I want an update on my loan and resolution to all of the issues I 've listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Disputed a judgement on my report several times and within a couple of days I would receive a response from Equifax stating the investigation was complete and information verified however I never received any verification or proof that information was verified. Before knowing that I could file a complaint with FCRA, I filed a complaint with XXXX and received a response from Equifax stating that after investigation the Judgement was deleted from my report however it is still reporting on my report. I have attached a copy of the response that I received in regards to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Debt collection (Auto debt) with Shermeta Law Group, PLLC (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On X/XX/2017 company did not answer the two questions asked in orginal complaint, why are my payments not being reported to my credit burea and why did they stop sending payment statements after i notified them about a layoff from work in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have an account XXXX in regards to predatory and collection practices of Green tree servicing. I now have XXXX mortgages with them my primary house and an inherited property. They are unreasonable unaccomadating menancing and treat you like a homeless XXXX person reprimanding me at every turn. It was stated by one of the representatives if you are a XXXX and you make this much money you have no excuse to fall behind on your mortgages!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation