milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/28/2017 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: Public record information inaccurate

Complaint: I contacted Transunion about a public record they have listed, Bankruptcy. Transunion have it noted that XXXX XXXX verified the information. When contacting XXXX XXXX they have sent me a letter that my file has not been shared and they have n't provided any information. I also contacted the county clerk that the said bankruptcy was filed and they stated that they do n't verify any information with credit agency 's. Transunion is giving false information. 

Also under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true Bankruptcy listed does not include the information and should be deleted from my credit report.

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 10-09-2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I filed a complaint about 2 weeks ago regarding this account after requesting debt validation in XXXX and still have n't recieved anything. This account is constantly flagging my account as collections DAILY and it is affecting my credit score negatively. I am not sure how that is even possible because i have NEVER done business with NOR have i ever been contacted by this company. Furthermore, this account is listed under medical and i am more than 100 % sure i have NEVER given a doctor 's office or medical facility any permission to share my Medical information. This is clearly a violation of not on my FRCA rights but also my Hippa rights. I demand XXXX to furnish me with a medical release form and a contract bearing my signature stating that i have done any business with them or i will be filing a complaint with my local government agencies.

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 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: Ive been hatched and identity fraud. My online Hatchers keeps accessing my accounts. I cant stop them from going into your data base and accessing my accounts.

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 10/30/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On Friday XX/XX/17, I received an alert from the credit bureau 's that I have a collection on my credit bureau from a XXXX XXXX. I not only did not receive any written notice of this debt, but was never given the opportunity to validate this debt. I contacted Midland Funding and was not able to have them validate the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX foreclosed on our house XXXX XXXX. XXXX delinquency was XXXX XXXX. It 's been almost eight years since then. All XXXX credit reporting agencies refuses to delete the item from our credit report despite many many disputes over the years. Most recently TransUnion reports that the date of " last activity '' is correct even though we repeatedly requested they investigate the date of XXXX delinquency. They also say the account goes off record seven years after last activity XXXX. That is not correct. XXXX is unreachable. It bankrupted in XXXX and the phone numberTransUnion gives us does not provide any way to access anyone. Account should have been deleted XXXX XXXX which would have been seven years after the XXXX delinquency of XXXX XXXX. ( see attached payment schedule ) In XXXX XXXX we got letters from XXXX XXXX noting default and XXXX XXXX we got a threatening letter of default. We tried to work things out but XXXX and later XXXX ( who took transfer from from XXXX in XXXX XXXX ) was uncooperative and we lost the house to foreclosure in XXXX. Although XXXX made us given them money during XXXX and some money in XXXX in order to " prevent '' foreclosure, we were always way behind and the whole delinquency process started in XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Bank account or service (Other bank product/service) with ALLY FINANCIAL INC. (IL).
Issue: Account opening, closing, or management

Complaint: I was perusing the Ally Bank website tonight to see if they were offering higher deposit account rates than what I'mean currently earning. In several locations you 're given the option of comparing their rate to other banks ' rates. Every time I elected to see " other banks ' '' rates, it listed only XXXX - the bank I currently use! I had n't provided them with that information. They clearly did n't feel they had to hide the fact that they had obtained my private financial information. I feel violated and outraged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Platinum Holdings Group, LLC (VA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: XX/XX/XXXX I receive a phone from a Paralegal/Admin Officer name XXXX XXXX who states he works for company that collect debt for XXXX XXXX XXXX XXXX XXXX which I did owe. However I was not able to finishing paying because I lost my job around that time. Im currently working and I made arrangement with XXXX XXXX telephone number XXXX. From XX/XX/XXXX to XX/XX/XXXX. I have been make payment arrangement to settle my debt with XXXX. XXXX XXXX states my last payment will be XX/XX/XXXX and they will email me the balance and completion letter so I can give this information to the credit bureau. However a few weeks back I receive a call from the real debt collection that handles Debt Collection for XXXX Jewelers. I spoke with XXXX XXXX telephone number is XXXX. She states that I fail to pay and settle for XXXX. I explain to her that I having been making payment and told her the people I 've been dealing. She research the matter and stated that they are a fraud/scam and been taking my money. I being paying more than I owed. She advised me to contact my bank institute to discuss this matter. I check my bank statement and the company that been taking my money is called Premium Asset Services recovery. She research that name and they are a scam as well. From XX/XX/XXXX to XX/XX/XXXX I have been making payment arrangement to a company that has been taking of advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have contacted TransUnion twice regarding Inquiries on my account. On XX/XX/2016 someone was trying to open XXXX different credit accounts using my information. they were XXXX. XXXX XXXX XXXX and XXXX. I 've indicated to TransUnion that I 've been a victim of identify theft and that the alleged inquiries were not mine. I contacted the creditors and was told that I needed to contact the Credit Bureau and have them remove the inquiries. Apparently, they only removed one ( XXXX ) but are refusing to remove the other XXXX that are still on my report - bringing my credit score low. These inquiries were fraud, as they all occurred on XX/XX/XXXX. I 'm tired of contacting them and getting no results.

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 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: Equifax online dispute portal has been undergoing " maintenance '' for over a week, this i unacceptable under fair credit standards. it is a simple portal and they have an in-house IT department.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Credit card () with BOEING EMPLOYEES CREDIT UNION (WA).
Issue: Credit card protection / Debt protection

Complaint: I have a dispute with a local towing company. Towing company charged higher amount than they promised and also higher than they are allowed to as per law. Also as per their service agreement they have to take care of all my stuff but they did not bring my front license plate. So I opened a dispute with BECU under their visa dispute program but to my surprise I found that they have contracted it out to third party company and this dispute department did not investigate my dispute properly and their decision was " '' towing services were completed we do not have dispute rights against the merchant '' '' we are not disputing whether towing services are provided or not we are disputing the amount they charged and their service. ( i.e. they lost my license plate ). Also I had to call police because towing company was harassing me at my home. Also I feel betrayed that BECU convinced us that we are protected and they will take care of us in such event but actually they contract it out to third party company who really does not care.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: While banking with  US Bank I  was charged a total of {$360.00} in fees. The issue I have with this is that the fees should not have been charged to my account in the first place. These fees resulted in my account closing and the information being reported to   XXXX   XXXX   for {$250.00}. After disputing this w ith US Ban k there was no correction made. I feel that I took the proper steps to avoid these fees and that I should still have {$100.00} in my account with them. A t one poi nt I even tried to pay the unjust fees with a secured card I had through them. But their lack of concern allowed my information to be sent to   XXXX   XXXX   before  US Ba nk would take the payment. I am now requesting that all information be removed from   XXXX   XXXX    and that the credit of {$110.00} be applied.

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 08-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: In between the dates of XXXX XXXX 2017 and XXXX XXXX 2017 fraudulent charges were made on an authorized users Amex Platinum Business Account. Within 30 days, I the account owner reported the charges as fraud per the authorized user 's report that the card was lost and the charges were not valid. In between the dates of XXXX XXXX 2017 and XXXX XXXX 2017 I, the account owner, reported fraudulent charges based on the report that the authorized user never received the card in the mail. On XX/XX/XXXX Amex contacted me and stated that the charges did not look like fraud and that they needed a police report from the authorized user. I told the rep that I am the account owner and I will provide a police report that the charges are fraudulent. The rep said that was unacceptable and that the authorized user needed to provide a police report. I informed the rep that the authorized user was no longer asscociated with the business so it is not possible to compel the former authorized user to file a police report. Under the Fair Credit Billing Act my maximum liability is {$50.00}, but Amex is telling me that I am responsible for {$8600.00} in fraudulent charges that were promptly reported as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I was recently denied a loan and the reason cited was a " Derogatory public record on credit file. '' I have been aware of this item in my credit report for quite some time and have been working for several months to have this removed from my credit report as it does not belong in there. 

The record at issue is a Judgement which appears in my Equifax report. Attachment A is a letter from the attorney for the prosecution explaining that while I was a defendant in that case, the judgement is against a different party. I was only named because I was a tenant at the time of the lawsuit and the lawsuit sought to possess the property, but never owed any debt related to this case. The XXXX County Court Order in Attachment B supports that statement. I was named in that case merely because I was a lessee. However, I have never owed any debt related to that case. Finally, Attachment C is the case history which you can also access at XXXX 

While this item has been successfully removed from my XXXX and XXXX reports, Equifax unfortunately remains obstinate. I have made two attempts to have this corrected and both times, I received replies that the item has been updated to report satisfied/released. ( See Attachments D and E, disputes XXXX and XXXX ). However, according to several telephone conversations I 've had with Equifax 's customer service representatives, there is nothing I can do to have the record removed entirely from the report. I am told that all I can do is wait until 7 years have passed since the judgement was filed, which is in XXXX 2017. 

The lawyers who prosecuted that case say that there is no judgement against me so it is impossible for them to go to court to have a judgment removed from the court records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-05-2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MD).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX, my 3 bedroom mobile home was repossessed by GXXXX XXXX XXXX after I paid well over amount financed {$17000.00}. I called to ask them my payoff and they gave an outrageous price and company financed in my cousins name when initially he was my cosigner which they never corrected. The mobile home sales person gave me all the information and told me to call the finance company for questions due they had been paid. Green Tree called back in two weeks stating they were pulling the home for no payment. I had already paid on this home since early XX/XX/XXXX's. It was first financed under another company, then XXXX XXXX, then XXXX XXXX XXXX. I asked them what happened to all the money I paid XXXX XXXX  and they stated it was transferred to Green Tree. I was taken for thousands of dollars and still haven't heard anything from them. I called for up to two years now and still no settlement to me as promised. This is simply fraudulent and now they are stating they are Ditech. How do I get my money back? This is so unfair. I even called consumer affairs and channel 5 news to report. Please assist me with my issue by responding who I should contact to resolve this. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016 I opened an account online with Regions Bank. It was an offer to give me {$200.00} if I established direct deposit in the account and utilized their online banking. They sent me emails confirming this, and they mailed me a debit card. I later went to the Regions Bank Branch at XXXX, TN XXXX. I met with XXXX XXXX to confirm my identity, verify my address, and validate the special offer for {$200.00} on my account. He disputed my offer until I produced the paperwork ( printout ) of the offer from Regions Bank. He confirmed that the offer was valid and he even printed out another copy for his verification. We met for over an hour and he tried to sell me everything even though I just needed to confirm information. He said I had verified my information and I could go. 

Two weeks later, Regions Bank sent a letter asking me to verify my address and identity. I went to the Regions Bank location at XXXX, TN XXXX and spoke with XXXX XXXX. XXXX was very helpful, but she said that the Branch Manager, XXXX XXXX had to confirm the information again. She copied my Deed, Utilities, and made a copy of my drivers license. She then said that she had to follow up with XXXX XXXX to make sure he re-submitted my information. 
A week later, XXXX XXXX, 2016, I tried to set-up direct deposit on this account and I could n't. I attempted to log-in, but the website instructed me to call in to Regions Bank customer service line for online banking. When I called-in, I was informed that the account had been closed and no reason was given. Regions Bank misled me to believe that they were going to offer their promotion and give me {$200.00} in 90 days and they had no intention of honoring their advertisement. I want my {$200.00}.

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 09/27/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: UNAUTHORIZED THIRD-PARTY ACCOUNT ACCESS AND CONDUCT CONCERNS Bank of America has been providing my home loan mortgage account information to unauthorized third parties for years. During this time, XXXX the mortgage and service records associated with and related to my home loan mortgage account, the borrower Home Loan Modification Status iportal, the MHA HAMP, and the MHA HAMP TPP process have been mishandled, destroyed, withheld, and otherwise altered to my detriment. This conduct has been intentional on the part of Bank of America and is designed and implemented to coerce and harass through the use and employment of poor and deceptive practices as a matter of standard policy in and during the ordinary course of business with the intention to defraud borrowers of their home while violating written agreements including, but not limited to, the Deed of Trust. 
While Bank of America may hide behind the built-in, go to, standby, default excuse of individual representatives misconduct and their lack of knowledge and skills during and throughout any modification, workout, and loss mitigation processes, Bank of America has no excuses for allowing such conduct to continue and such open disregard for the various and applicable laws, regulations, guidelines, timelines, agreements and their own stated policies, procedures, and code of ethics ( assuming those ethics are in line with those regulated and governed by state and federal laws ). 
I have uploaded XXXX documents submitted with this complaint. I will submit at least XXXX additional documents to the CFPB under this complaint number once assigned later this date.

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 11/17/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Capital One grossly mishandled a dispute with a charge that ended in a {$3000.00} loss and the theft and extortion by a merchant who sold us my engagement ring. Due to Capital One 's gross negligence, misinformation from employees who do n't understand their responsibility to provide accurate and timely information regarding a dispute, and Capital One flat out " losing documents '' on multiple occasions - our dispute with this merchant who defrauded us dragged on for more than 6 months. Now, the merchant who sold us my engagement ring has the ring AND our {$3000.00} - the merchant refused to return our money after accepting the return of the ring which was sold under false pretense and defective - now that they have my engagement ring which they 've since irreparably damaged, they 're keeping our {$3000.00} and demanding another {$1000.00} ( extortion ) to receive the remains of my engagement ring. After dozens of " dispute specialists and managers '' assured we have a strong case with more than enough evidence and expert testimony, Capital One 's position at the end was that it simply was not their problem - despite their reckless handling of the case.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The State of Alabama HR has falsely reported the payment history, balance and subjected payment amount of my child support incorrectly to XXXX  and Experian. I have tried on numerous occasions to have this account removed due to it's wrong reporting. The account continues to come back as a verified account, however I have proof that the information being reported is incorrect. The arrears is incorrect and the amount is still accumulating even though I'm paying every month.

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