milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-02-2017 about Debt collection (Credit card debt) with Second Round Limited Partnership (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am writing in response to a collection company ( Second Round LLC ) that is reporting an alleged debt ( # XXXX ) on my credit report that they have not, to date, been able to provide me with supporting legal documentation stating that ( 1 ) the debt belongs to me ( 2 ) the fact that they have the legal authority to collect anything from me. I have sent this company debt validation request multiple times, disputed this alleged account with XXXX, XXXX and XXXX when I first received correspondence from them in 2016. In return, ( Secound Round LLC ) sends me an acknowledgement of my request for validation and ask for me to supply " their company '' with documentation of my personal information in order to validate this account. I 'm baffled because I do n't understand, how they are validating the information with the credit Bureaus but do n't have the information?! This derogatory information remains on my credit report to date without being validated. How does this happen? How is that even possible? I initially disputed the information with Second Round LLC back in 2016 requesting debt validation to include the alleged balance and calculation from the opening to the closing of this account, it being sold or transferred, proof that the account is correct and information that the statute of limitations are valid with the alleged account and have not expired, signed documents showing that I agreed to pay this debt and agreement that grants them the authority to collect this debt. To date, I have not received any legal obligation from them that I am responsible for this debt. The company in question Second Round LLC, has been unable to provide me with any form of legal validation. This is inaccurate information and therefore ; according to the law should be deleted from my report because it has not been validated by the company actually providing the information. I would like to note that since submitting a complaint about this company ( for the 2nd time ) to CFPB and the BBB, this inaccurate and erroneous information appears to have been deleted from my XXXX file but not my XXXX credit file. I am asking for a complete removal of this account from the remainder of my credit report immediately. Per the FCRA, the credit bureau is required to report timely and accurate data and any inaccurate information that can not be validated should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 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 information incorrect

Complaint: Loan # -- -- -- -- -- -- belonged to a propriety that I used to own, but was sold in XXXX. The mortgage was completely paid off in the sale however at some point XXXX XXXX noted it on my credit history as a Bankruptcy. When I first attempted to resolve this matter I was told another customers bankruptcy had been mistakenly attached to my loan. I was told this matter would be corrected. I never have filed for bankruptcy and a letter acknowledging this mistake needs to be sent to me and all credit reporting agencies. This matter has caused me to not be approved for other loans and caused me financial hardship relative to my current loan. I have been attempting to resolve this matter for over 2 yrs. and have constantly been given the run around, with some of the XXXX XXXX responses being : - the bankruptcy belonged to someone else - the loan can not be found - the loan is no longer in our system - some of the old loan numbers may have changed after the XXXX acquisition - you ( me ) didnt send in the correct loan number - old records may have been purged from our system - the records are sitting in archives - Its a manual process - were looking into it Finally when I did receive a letter that I thought was a resolution to this matter the XXXX XXXX representative XXXX XXXX ( Executive Resolution Specialist ) referenced the WRONG loan number. When I spoke with XXXX the excuse he gave me for this matter not being resolved was that he recently took over my case which is a lie because I have a letter from XXXX XXXX, XXXX in which XXXX referenced the wrong loan number. Afterwards he kept trying to blame me for not submitting the correct loan number claiming that is the reason he has not been able to resolve the matter yet. 2 weeks ago I physically went into a XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TX ) where I spoke with XXXX XXXX and gave him the exact loan number in question. ENOUGH WTH TRYING TO BLAME THE CUSTOMER FOR XXXX XXXX LAZINESS, LACK OF ACCOUNTABILITY AND UNPROFESSIONALISM. THIS IS RIDICULOUS!! But it seems to be just another case of systematic unethical practices by XXXX 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 11/17/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CO).
Issue: Using a debit or ATM card

Complaint: XXXX XXXX submitted dispute charges on his Debt card with USAA and USAA issued credit for those disputed charges. Then over 70 days later took the money back out of our account without no warning and no advanced warning. Called and Called trying to rectify the situation and to no avail even the XXXX office and not XXXX party would help or explain how they could violate their own agreement with XXXX that they have 60 days to reverse charges and/or mediate the dispute as well. Those charges hurt our family in major ways we were staying in a hotel room paying day by day and living day by day and trying to get a new permanent home as well. Which our check bounced for deposit our insurance payment bounced and stressed out for no valid reason per ethics or contract law. We even asked for help from their donation department to help and they could not help us out with a deposit for our new permanent home. Our account become overdrafted and we moved our direct deposits to another bank, Once over drafted and we owed them money for the past money we are locked out of our other accounts other than paying the bills on our mobile device we can not pull old statements from our bank accounts, add a car online to our insurance or pull old statements on our credit card or market account. Documented on Facebook as well as other notes and a printout showing how we our locked out of our account. XXXX XXXX was punished just the past 60 days for this behavior. When we call to get resolution we are on eternal hold for over XXXX30 minutes several times. USAA violated the trust given to them by many and business ethics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Closing/Cancelling account

Complaint: Bank of America closed my credit card account at some unspecified time without notifying me. I 'm not sure when, but I paid off my balance last month. When I called to ask why they closed the account they said it was because I had n't used my card in 60 days and they were n't receiving money from me. They reopened it, but until I receive a new card, which they estimate will take 2 weeks, I ca n't use my existing card even though apparently my account numbers, etc. are all the same.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Closing/Cancelling account

Complaint: Chase bank is reporting a charged off credit card on my credit file. I have requested the debt be validated and have yet to have any documents furnished. I recently recieved a cancellation of debt from the IRS on XXXX/XXXX/2015, which shows that Chase has written off the debt and has left with the tax burden .Also they are reporting and still actively trying to collect the full amount of the debt as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have always paid my bill online every month with a bank and they always show that they receive my payment however, one time I got notice 30 days after i made the payment they never received the payment even when the website says they did. This caused a 30 day late pay to show up on my credit report by no fault of my own and has damaged my ability to get the best rates on loans.

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 03/17/2018 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: Account information incorrect

Complaint: I have tried to dispute with Transunion about a couple things on my report like XXXX  which a loan company they updated the info but yet left the incorrect balance on there and its still showing open. The account is closed. Also XXXX XXXX XXXX XXXX. They reported me as a missed payment when I made a payment on XXXX XXXX. They also never informed me that this particular account had a due date. XXXX XXXX told me I had no missed payments because I was in the hardship program but yet Transunion is updating not deleting as they should.

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 06-06-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AL).
Issue: Managing the loan or lease

Complaint: I have an auto loan with Santander Consumer USA. I have a XX/XX/XXXX XXXX XXXX I made and it was taken out on XX/XX/XXXX ( I Have my proof to show that a payment was made ) However they saying the las payment was posted on XXXX XXXX. A really nice rep helped me out and informed me that it was thier mistake because they applied it to the wrong account. Now it seems like I 'm paying for thier mistake and no one is contacting me back and to make matters worst they reported it late to the credit bureau. I 'm asking if someone can please call my asap in regards to this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i found that this account is not belong to me and i found that this account is damaging my financial life

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 09/18/2017 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: Information belongs to someone else

Complaint: I have pulled my credit to find out there is a repossession of a vehicle linked to my name and personal information. I have never purchased a vehicle and would like this deleted from my credit files immediately. I have contacted the company and was advised I appeared as a consigner to a vehicle and that the car had been repossed. I have no knowledge of this and would demand this be deleted immediately from all my credit files as this information is innacurate and misleading as it 's fraud. I am requesting the company to provide proof and they ca n't provide anything that I opened this account such as id state issued, driver license, passport, social security card and they have none of this on file apparently

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2016 about Mortgage (VA mortgage) with TD BANK US HOLDING COMPANY (MA).
Issue: Application, originator, mortgage broker

Complaint: My wife and I applied for a mortgage with TD bank. After 12 days they had not processed our application or scheduled an appraisal of the property. After calling repeatedly I was finally informed that the credit card my wife gave them for the appraisal fee was expired ( It 's a brand new card expiring in 2020 ) I gave them my credit card number instead which was quickly charged {$430.00} for the appraisal. On XXXX XXXX after calling several times I finally received a letter of conditional approval with a " to-do '' list with a due date for everything of XXXX XXXX. After another week the appraisal had still not been scheduled nor had we seen any progress of the application being processed. We decided to start working with another mortgage company because of the lack of progress from TD. I promptly informed our mortgage officer and mortgage processor at TD that we would be withdrawing our application with them and that I wanted to be refunded the appraisal fee because the appraisal had not been carried out or even scheduled. They assured me that it would be refunded. It has now been ten days and I have not yet been refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/28/2017 about Student loan (Federal student loan servicing) with ACS Education Services (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: -Original loan amount XXXX -current payoff XXXX -Payments made since 2002 total XXXX -Applied to principal since 2002=XXXX -Applied to interest since 2002=XXXX -Interest rate 7.625 % I have called several times throughout the years to have the above expla

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: My stepmom has a savings and checking account. Before leaving for a prolonged trip in  XXXX   XXXX ,  2016,   she had in saving accounts at t Wells Fargo  {$5300.00}. In checking account, as of  XXXX   XXXX , had {$9500.00}. Through an  XXXX   XXXX  account of unknown origin, a total of {$14000.00} was removed from checking account and {$2700.00} was removed from saving account.  Wells Fargo  gave back {$6500.00} from checking account and {$1700.00} for saving. When asked about the rest of the m oney, Wells Fargo manager sa ys that they are not responsible for it because we did not enquire about missing money until past the 60 days. My stepmom was out of town for  8  mo.s and did not internet access established.   There is still over {$8600.00} missing from her account for wh ich Wellsfargo does not take responsibility for, stating that it was past60 days that we notifie d them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Debt collection (I do not know) with ERC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I Never applied or use this company in anyway

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I opened a secured credit card with  XXXX   XXXX , I deposited money in my account that was already open and they took it from there. I never received a notice as to where the funds would be deposited or if I was getting interest on the account. My account was closed by them and I never received a letter stating where the money i deposited was applied to. They originally reported that I owed {$410.00} and I disputed that and th ey brought it down to {$110.00} only because I disputed it. Those action lowered my credit score. And I ha ve yet to receive any letters on what happened with the deposit.

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 08-08-2017 about Mortgage (Other type of mortgage) with FCI Lender Services Inc. (CA).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX a Substitution of Trustee was filed with the recorders office by California TD Specialists on behalf of XXXX XXXX  because of a revolving line of credit that was taken out with XXXX XXXX XXXX ( Which was siezed by the FDIC ). We included this revolving line of credit on our personal BK ( Chapter XXXX ) in XX/XX/XXXX.
We also included the home in the BK and also included that the home was backwards at the time of the BK. We just recently found out that the Judge requested our Attorney to submit more document proof in regards to the value of said house. ( Which he did not ) In XX/XX/XXXX The note for the revolving line of credit was sold to XXXX XXXX  and we explained to them what had happened and they wrote off the debt and we did not hear from anyone for over 7 years.
Then the note was sold to XXXX XXXX, we spoke with them telling them the same story, and sent reporting documents as such. They said they would get back to us. Then we started to receive invites from foreclosure help vendors. We then called XXXX XXXX and they will not return our calls.
We then received notification from their Attorneys, I called them they said they could not speak to us, that we needed to call XXXX XXXX, I explained to them that they are not answering us, they had no further direction offered.
We have contacted Senator XXXX 's Office and are seeking counsel but we are trying all areas to save our house we have liven in for over 20 years.

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 03-05-2017 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I went through and completed a student loan rehabilitation program in 2013 after being defaulted for all my student loans. Per the regulations of the US Department of Education, after a 9-months rehabilitation program, all my student loans are restored to good status, and it is currently are all in good standing since 2013. It 's been over 4 years, but select loan servicers ( XXXX aka XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ), did not fully restore my status to current as stated by the regulations. Therefore, due to their negligence it showed that I have serious deliquency status, although, I 've since consolidated all the loans together, and is currently in good standing with the all the loans according to the National Student Loan Database, a service of the Department of Education. I 've shared this information with all XXXX credit bureaus and provided documentations, and they refused to remove the deliquency status per the regulation. This is causing tremendous hardship and negatively affects my financial records in this negligent case, even though I 've tried in the last 4 years to get it removed. I am unable to obtain a mortgage, and refinance my current car due to this lack of action from the credit bureaus and the student loan servicers. Please help!!! Thank you.

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 07/14/2016 about Consumer Loan (Installment loan) with EQUIFAX, INC. (NC).
Issue: Managing the loan or lease

Complaint: Equifax continues to list a " Public Record '' of XXXX from XXXX County Magistrate. I have provided them copies of latest judgement in response to XXXX of which I won and the debt was dismissed. This should be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I recently received my credit report and noticed there are inquires on it  that are damaging my credit score and my ability to obtain new credit is being jeopardized. I formally request that all non account holding inquires be removed immediately.

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 06-04-2015 about Debt collection (Medical) with Professional Finance Company, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am on the Do Not Call registry. This number called me and gave me an account # XXXX for a debt of $ XXXX for XXXX . They tried to verify more personal information from me. I only gave name and DOB. I do not owe any medical debt that I am not already paying off from a number of years ago. This is not anything I have a debt for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (I do not know) with National Judgment Recovery Center, L.P. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: I went to my bank and they told me that my account was frozen and gave me the number to NATIONAL JUDGEMENT RECOVERY CENTER A  COLLECTION AGENCY XXXX. 
I called them and they just ignore me and they won't return my call. I don't owe this agency any money and have not had any debt in over 18 years. I WAS NEVER SERVED ANY TYPE OF PAPERS, I WAS NOT CONTACTED. I CALLED THE COURTS AND THEY DON'T HAVE ANY JUDGMENTS ON ME.I don't know why my bank, XXXX would allow them to freeze my account. 
PLEASE HELP ME THIS IS SO WRONG THIS IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICE ACT

Company response to consumer: Closed with explanation