milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Paid my state tax bill and it shows as a lien on my and my husbands credit report. 

XXXX XXXX XXXX XXXX Paid XXXX XXXX 2016 Lien # XXXX Acct # XXXX Amount paid in full 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 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My XXXX credit report continues to show 2 missed payments for the months of XXXX and XXXX 2016 for XXXX XXXX reporting as XXXX XXXX despite 3 disputes to XXXX not only by myself but also from XXXX XXXX General Counsel for XXXX XXXX requesting that the reporting reflect no missed payments as this is incorrect information. 

Despite receiving my personal disputes on 3 seperate occasions and 2 faxes from XXXX XXXX General Counsel XXXX XXXX  requesting correction to my credit bureau after 1 year of disputes by both me and the creditor XXXX has continues to wrongfully report this account to my credit bureau.

Below is a copy of an e-mail from XXXX XXXX General Counsel sent to XXXX for a 2nd time on XXXX-16.

XXXX XXXX 
   Reply all|
Wed XX/XX/XXXX, XXXX XXXX
XXXX XXXX 
Inbox
Dear XXXX. XXXX:
 
I confirmed that we updated your information via XXXX, which should go to all the credit bureaus.
 
Best regards, 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 01/30/2017 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I requested that ChexSystems remove an erroneous address ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX ) from my ChexSystems report. It seems ChexSystems is refusing to respond or remove the offending information.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have paid the debt in full and was told by creditors that this would be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: The credit bureaus ' investigations have taken too long. Its been 51 days, and I still do n't have a response.

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 06/15/2017 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: Public record information inaccurate

Complaint: Hi. I had filed my taxes for   XXXX   online and was told I owed   XXXX   {$210.00}. I made an agreement to pay the total and even made a good faith payment of {$25.00} earlier this week. I was assured by the IRS that all collection efforts would stop and I needed to make the final payment on  XXXX .     Today, I got a notice that a public record was placed on my credit report by the   XXXX     State Country  clerk for the entire amount of the debt. I contacted the IRS and they explained that the credit bureaus must have sent someone to review the public records to add to consumer credit reports before the country clerk got notified and that is why it is on 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 non-monetary relief
Consumer complaint received 07-01-2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Payoff process

Complaint: Hello. I have a past due credit card account with USAA. I have been making attempts to contact USAA for the past XXXX weeks in order to settle this debt. I have yet to reach anyone about this. I have waited on hold for up to an hour to speak to someone and I 'm still unable to get through. I recently received my XXXX rating from the VA. I have been diagnosed with XXXX from being an XXXX in the XXXX XXXX serving in XXXX, XXXX. My experience took a very big personal toll on my ability to properly manage my finances and personal matters. In addition, I was caring for my father who was at the time, a XXXX patient. My father was receiving XXXX from a result from his condition. This income was being used to manage our shared finances. He passed away from his condition and the XXXX payments stopped. I dealing with my father 's death and loss of income, I was not in the right mind to manage my personal finances. I could not afford the payments on this account and it caused it to charge off. I have not heard from USAA in the last couple of years in reference to this account. Now that I received my XXXX rating from the VA, I also received a large payment from them. I immediately set out to settle my debts. USAA was the first company I attempted to contact but I was unable to reach anyone. I have since settled other debts and now I have a little under XXXX XXXX dollars to settle this debt. My intention was to settle this debt for a reasonable amount but now this is all that is left. This is very unfortunate since I had the ability to pay this off and USAA was the first in line.

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 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I sent letters of dispute on XXXX XXXX and XXXX XXXX of this year to Trans Union regarding their failure to remove my account from their reporting and showing a derogatory that is more than 8 years old which by law must be removed after 7 years from the first " late '' payment. This was a XXXX XXXX credit card account that was closed some years ago.. XXXX XXXX  replied to T.U. that they would not remove the account/derogatory at this time.

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 12/27/2017 about Debt collection (Credit card debt) with Preston Clark & Quinn (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX XXXX XXXX contacted me in XX/XX/XXXX in regards to a delinquent debt. I spoke with representative XXXX XXXX. He informed me that I owed a debt from XXXX XXXX XXXX, to which I responded that I was pretty sure I had already settled that debt, and emailed him a copy of the Paid in Full letter. I used the phonetic alphabet to confirm the spelling of the email address the account representative gave to me. When I spoke with him after I emailed the letter to him, he informed me that there was a second debt, for my XXXX XXXX XXXX. At this point, I worked out a one-time payment, which I paid between 2 accounts on XX/XX/XXXX, for a total of {$1400.00}. I never received a paid in full letter from XXXX XXXX XXXX. It was not until my military pay began being garnished in XX/XX/XXXX that I discovered that XXXX XXXX XXXX did not own the XXXX XXXX XXXX debt, and was not legally allowed to collect on it. After a month of trying to contact XXXX XXXX XXXX directly, I filed a complaint through CFPB. XXXX XXXX XXXX responding by stating that they never mentioned a second account, and would send me the paid in full letter for the account I supposedly settled with them. I still have yet to receive the paid in full letter, and have again been unsuccessful at trying to contact this agency to settle matters on my own. I am providing proof of sending the original paid in full letter to the XXXX XXXX XXXX representative for the original debt, the paid in full letter, and the bank statements showing my payment to XXXX XXXX XXXX. I still maintain that the account representative mentioned a second account ( the XXXX account ) once I told him that I had the paid in full letter for the XXXX XXXX XXXX account, and that they defrauded me by collecting on a debt they did not own.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/16/2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: I applied with Freedom Mortgage and then cancelled my loan to go with another lender. I have asked them numerous times to have my FHA case number transferred and no one wants to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have tried to call the XXXX XXXX number for Equifax to obtain a copy of my credit report. Several times it was busy and I could not get through. Today XXXX/XXXX/17 I did get a message machine asking for my information. I asked for a copy of my credit report, the reply was that I had to pay for it and insisted that I give them my credit card number to be charged. I never spoke with anyone personally and I did not leave my credit card number. I did leave my address, social security number and state which had been requested prior to demanding a fee for my free credit report. Please go after this company. I received a letter from a retail outfit that I have been doing business with for years stating Equifax reported a problem on my account. I need to get this resolved. Now my excellent credit score I have had for over 50 years has been tainted! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed unauthorized inquiries with Equifax that were not made by me on my report and I have not heard anything back from them regarding this matter

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Meridian Financial Services, Inc. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I had a timeshare over 10 years ago was paid off and I told them to keep the timeshare I do n't want it no more. I stop paying the maintenance fee each year. Timeshare said I was stuck with them for 30year which I was never advise about this or even sign any documents making me aware about a 30year. Anyway timeshare was paid off and I do n't want it at all. I have never use the timeshare which was a bad investment making me loose over {$10000.00}. Timeshare is with 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 02-11-2018 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is not my account. If there are no proof of signatures then I am requesting for this account to be removed from XXXX, XXXX, and 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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Apparently happened in XX/XX/XXXX or XXXX of 2017. No actions taken on company as of yet. Just found out. 

My SSN, DOB, full address and driver 's license have been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After reviewing my credit report, I regret to let you know my credit file is reporting negative information in regard my amazon account. My account is reporting unknown payment status for  XXXX     2017. I 've  been making payments for this account and I 've never been late, therefore this " unknown payment status '' is hurting my credit report. So, Im kindly requesting an update to my file.   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 explanation
Consumer complaint received 07-02-2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Customer service / Customer relations

Complaint: I have received 11 calls from Citi Bank on my cell phone asking me to call them. I call and I am asked my account number. I do not have an account with Citi Bank. I had several managers of Citibank research by the last 4 digits of my social security number and they find no records connecting me with Citibank. I have spoken with 4 different managers who said they would stop these calls. They continue. I have a high credit score, am a lawyer and I am stumped on how to stop this harrassment. Can you help me? They cal from XXXX and XXXX. I am directed to call them at XXXX, and then they ask me for my account number. Every day I tell them I do not have an account number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Debt collection (Federal student loan) with ECMC Group, Inc. (OR).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: My taxes of {$7400.00} were taken and being a single mom needing to move to better my life this was definitely a huge barrier. Please review to see if any money can be returned. thanks and XXXX bless!

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 08/22/2017 about Payday loan, title loan, or personal loan (Payday loan) with ZARVAD III S.A. (IN).
Issue: Charged fees or interest you didn't expect

Complaint: I received another call today including a previous call that I reported from XXXX on XX/XX/XXXX at XXXX p.m. On this phone call I was informed that this person was calling to work our an arrangement on a debt. I informed him that he never mentioned it was an effort to collect a debt and proceeded to give personal information without notifying that it was an attempt to collect a debt which should be done on every phone call because he does not know if he is even speaking to the correct person when the call is answered. He said he did on the first call when he called me on XX/XX/XXXX which I do not remember. A XX/XX/XXXX phone call does not verify he is talking to the correct person on XX/XX/XXXX without verification. I informed him that he said my own personal information to me without having me verify which seems like a scam to me. On this phone call I expressed how I did not agree with the collection practices and how I felt it was a violation of the Fair Debt/Credit Practices. The gentleman became irate and expressed that this company paid off my debt with My Pay Day Loan and that I owe them in return, but never mentioned the company name. I have never received any information stating that this happened nor is it listed on my credit report. If the debt has been paid, then why am I being contacted? The gentleman also expressed that they would not accept any payments from me and would be reporting it to have my wages garnished. I called the # back to find out the name of the company that was handling the debt for My Pay Day Loan, but the gentleman hung up on me once he realized I knew it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am delinquent with my home mortgage and have a foreclosure sale date scheduled on XXXX/XXXX/15. My mortgage company is Ocwen and they are reviewing me for a loan modification. I need help getting the sale date postponed to give more time for the review. Any assistance you can provide is appreciated, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Filed a dispute with Equifax had some accounts deleted off my credit due to the fact that do n't belong to me ... These accounts have since been added back.. Never received a letter informing me if adding these accounts back. This is illegal please assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I am unable to find a phone number that will get the to the correct person and/or get the report I need. On-line just says can not do it on-line due to information not matching but I verified I entered correct information. I had personal info hacked on an account and need to get credit report but not letting me on-line and can not get hold of anyone to see what the issue is.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Payday loan, title loan, or personal loan (Payday loan) with Enova International, Inc. (MI).
Issue: Can't stop withdrawals from your bank account

Complaint: I placed the loan on XXXX/XXXX/XXXX for {$400.00}. I called them last Friday XXXX/XXXX/XXXX to ask for an extension for my loan. On XXXX/XXXX/XXXX, I spoke with someone from the Collections Dept. to able to repay my loan in 3 installments, I did this with online chat. The rep told me that in XXXX I could start repaying my loans which totaled, {$460.00}. Today, I went onto the website and it stated that I would have to repay the entire amount of {$440.00} on Monday, XXXX/XXXX/XXXX. I called Cashnetusa on the phone and the rep told me that the company would attempt to take out the entire amount and then my loan repayment could proceed on XXXX. I told them that I would not be able to start repayment on XXXX. I 've performed this several times, without incident. My account will be arrears because of this transaction even though I 've made 2 attempts to rectify.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Student loan (Private student loan) with SLM CORPORATION (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I took out a Sallie Mae loan. I became XXXX while in school ( which I still graduated ) However, after my XXXX I was diagnosed with XXXX XXXX XXXX and could not work. They harassed me by calling me on SEVERAL different phone numbers. They have caused me XXXX XXXX and have threatened me with ruining my credit and my security. My mother had to file bankruptcy and she was the co signer, she was DISCHARGED from her debt, and they continue to contact her MONTHLY. I have had it with this company, giving them any money back makes my stomach TURN because they have been so EVIL. I do not even know what to do with them. They do not even have payment plans for struggling SINGLE mothers like myself, trying to work, do the right thing, and survive. I want them to leave my mother ALONE, she has been DISCHARGED of the debt. They are heartless company that I wish I would have never went with. They granted me a student loan in high hopes that this would happen.. to rack on as many fines as they possibly can. I have no intention of doing something about this matter. I will not succumb to their evil behavior to the working class people who are WILLING to pay back these loans, on a PAYMENT PLAN. Life happens, I had a child, shes XXXX now, I work 40 hour weeks, and barely have money for my bills, let alone a huge bill they keep sending me, along with harassing my mother.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problems caused by my funds being low

Complaint: My rent check ( {$1000.00} ) was bounced for insufficient funds in my Bank of America bank account, even thou i made a a check deposit for {$6600.00} before XXXX the day before as i was recommended by the bank 's representative. Now they Charged the check to my account and also at the same time a {$35.00} fee for check returned. If they knew the check had insufficient funds and charged a fee, why would they apply the amount of the check on my account balance, forcing my account to remain a day with an overdrawn balance?. 
After doing this, they place a hold on my bank account for {$6400.00} ( first {$4800.00} would be available on XXXX XXXX and {$1600.00} on the XXXX ). However, my complaint comes when i see XXXX different small charges ( like XXXX XXXX, or the grocery store ) that actually were prior the mentioned Check in red on my account, as the Bank of America Representative told me they would charge {$150.00} ( XXXX overdraw charge fee ) only on charges plus the {$35.00} charged already ( {$180.00} total ) my complain why do the bank knowing the check has no funds, is going to be bounced and even charge a fee for it, apply the check amount to my account forcing all other transactions to produce an overdraw fee?. They are obviously forcing my account to be overdraw so they can charge this outrageous amount of fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief