milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Describe what happened so we can understand the issue ... 
I have a chapter XXXX bankruptcy listed on my credit reports with all XXXX credit bureaus. According to FCRA 623 ( a ) ( 5 ), if the credit bureau can not VALIDATE the information, they must remove said information from my credit file. The United States Bankruptcy Courts DO NOT report any activity to credit bureaus nor do they verify that the information reported is accurate because Federal law protects the privacy of most personally identifiable information reported. Credit bureaus however actively search public records for any judgments and tax liens through third party research. I would like these markings of bankruptcy removed from all XXXX credit bureaus because of defamation, negligent enhancement of identity fraud, and violation of the Fair Credit Reporting Act.

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 10-02-2017 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: XXXX XXXX is still showing on my credit reports, this is a debt that 's over XXXX years old and should automatically be removed from my credit report, the debtor has written this debt off and due to new law ruling passed effective XX/XX/XXXX, no judgments are to be reflected on your credit report also due to : Federal Trade Commission, Office of the Attorney General, Department of Banking and Finance, Office of Thrift Supervision, Better Business Bureau, Advocates for Fair Credit Reporting this must be deleted from all 3 credit bureau 's effective immediately and to date this has not happened after several letter attempts to Transunion, XXXX  and XXXX by law this is illegal. Please remove from all 3 credit bureau 's immediately. I was advised from a free legal counsel service which advised it is against the law for XXXX XXXX to attempt to sue for garnished wages of which they attempted to do in XX/XX/XXXX, even the court advised they are not allowed to attempt to ever sue for garnished wages again.

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 07/23/2017 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I HAVE DISPUTED THIS ACCOUNT MANY TIMES STARTING BACK IN XX/XX/15 I CONTACTED TRIDENT ASSET & DISAGREED I WAS ADVISED I NEED MORE DATA, I PROVIDED TWO RECIEPTS SHOWING I TURNED IN ADDITONAL CABLE BOXES AT A LATER DATE, DATED AFTER I SURRENDERED MY SERVICES WITH XXXX, ( 1 ) DATED ON XX/XX/13 SHOWES I WALKED IN MY DEACTIVATED EQUIPMENT AT A XXXX LOCATION IT SHOWS 3 CABLE BOXED & 1 WIRLESS ROUTER & XX/XX/13 I WALKD IN AN ADDITIONAL BOX THAT WAS A DEFECTED, IT 'S A SEPARATE RECEIPT SHOWING THAT I WALKED IN ANOTHER CABLE BOX, THEY CAME BACK WITH THE SAME RESPONSE I OWE THIS DEBIT WITHOUT A WRITTEN EXPLINATION INCLUDING A BILLING BREAKDOWN OF THE CHARGES, HOWEVER TRIDENT SENT ME A INCOMPLETE BILL THAT ONLY HAD FOUR PAGES & FAILED TO PROVIDE AN ITEMIZED BREAKDOWN OF THE CHARGES INDICATING I OWE THE BILL THAT HAVE BEEN GIVEN TO ME DOES NOT STATE ( 1 )  DETAILS OF CHARGES WHICH WOULD SHOW THE TYPE OF SERVICES I RECEIVED, SUCH AS INTERNET & PHONE BUNDLE ADDITIONAL SERVICES & EQUIPMENT FEES & OTHER CHARGES, I HAVE CONTACED TRIDENT THERE AFTER ON MANY DATES XXXX & XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX TO CURRENT XX/XX/XXXXAND DISAGREED EACH TIME WITH TRIDENT THAT THIS IS A BILLING ERROR, & I HAVE REQUESTED EACH TIME TRIDENT ASSET PROVIDE ME WITH A WRITTEN EXPLINATION PROOF OF CLAIM & CLARIFICATION OF CHARGES WITH VALID VERIFICATION PROOF, IN WHICH TRIDENT CA N'T PROVIDE VALID PROOF SHOWING HOW THIS MONEY IS OWED, THEY ONLY CAN PROVIDE AN INCOMPLETE BILL THAT HAS NO BREAKDOWN. THIS IS FRAUD I FEEL THIS COMPANY IS TRING TO EXTORT MONEY FROM ME, I 'M REQUESTING THAT THIS BE REMOVED ASAP IT 'S CAUSING HARDSHIP & HENDERING ME FROM MOVING ON. TRIDENT FAILED TO PROVIDE VALIDATION OF DEBIT.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: I was not receiving regular communication about my account from my bank. I was not getting quarterly statements like I was supposed to. I also was never informed that they were starting to charge fees for their savings account. When I finally did get a statement I saw the fees and called customer service. I requested that the fees be reversed because I was never told about the fees and I requested a supervisor call me and explain why I was never told and to have the fees reversed. My final request was that the account be closed to prevent this from happening again. I was never called back, the account was never closed, and the fees were not reversed. I asked that the account be closed at least 5 times. And I made the request e to 2 diff erent reps. BofA is defrauding their customers by charging fees without informing them, not sending regular statements, and when requests are made on the accounts, those requests are not fulfilled. I want ALL of my money back, I want ALL fees reversed and I want the account closed. This " bank '' is a joke.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/16/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I was forced to do a Short-Sale of my home by GreenTree Mortgage Servicing which is now Di-tech by misleading practices. I was given 90 days to do my short sale per our agreement. After the sale my home within that time it shows that I was 90 days late by Di-tech. I have tried to resolve this issue with them and they have ignored my request. I have also disputed the item with all 3 credit bureaus but no change. Attached is the letter from CFPB proving the mishandling of accounts and fraudulent activity by GreenTree. I would like this item removed from all 3 credit bureaus as it is affecting my credit score and it should not be there in the first place.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Adler Wallach & Associates, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This account is reporting open when it should have been closed company was suppose to send verification but it was never received

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit reporting () with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Chase has been mishandling bills for all my accounts. Chase has changed my address with out my authorization and consent for XXXX account and has failed to change my billing address for another account despite several request and this has now effected my credit score as we moved from that location and were not able to receive the bills. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ASSET MANAGEMENT OUTSOURCING, INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX WAS WELL AWARE THATXXXX WAS PART OF FTC I.D . THEFT REPORT. THEY PROCEEDED TO SUBMIT THIS CHARGED OFF ACCOUNT IN 2008. THEY SENT TO XXXX COLLECTION AGENCIES WHICH DESTROYED MY CREDIT AND ENDED UP PAYING AMO RECOVERIES IN ERROR OVER {$1200.00} IN ERROR, IN VIOLATION OF FTC, FCRA, FDCPA AND TCPA SO ON!

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX continues to verify a Synchroncy bank/gap debt to XXXX, during the dispute process, that has been reported as fraud. XXXX have received XXXX police reports from XX/XX/XXXX & XX/XX/XXXX from XXXX & XXXX, and have removed their reporting to those credit agencies. The report from XX/XX/XXXX was from XXXX XXXX Police, & XX/XX/XXXX was from XXXX XXXX Police Department. There was fraud on my account with gap from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. 

In CFPB case XXXX, gap stated in writing, through their Corporate Consumer Relations Specialist, XXXX XXXX that, " they have verified the amount owed by me. '' However, it is idenity theft. And gap 's account listing on my XXXX report, should be removed. I have been unable to talk to XXXX XXXX because when I call, it goes to voicemail. A request to set a specific time to call & discuss this matter by email, gone unresponded to. 

I am unaware why XXXX continues to verify the debt. A separate CFPB case complaint will be filed, to have them answer to that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2016 I called Wells Fargo about depositing my {$1000.00} loan from my XXXX check. I was told that it would be added to my balance on the following day. I deposited the check and the bank added the check that morning and then removed it from my balance telling me that the check had been returned. I then contacted XXXX, my XXXX company and asked for a explanation. I was told that they did not have any problems on their end. So I contacted the bank and let them know what was going on. The bank told me that my check would be released the next business day. However, I came to find out that wells Fargo has placed an extended hold on my check so that it does n't get released until XXXX XXXX. This is ridiculous and then the bank told me that it was nothing I could do and I could not get the check back and that I would have to ride it out. I told them that it was an emergency and that I would n't have done it if I could wait until the XXXX. However they told me that I could n't do anything about it. I spoke with a supervisor who basically laughed and said " We have had problems with this company before, so you will have to wait ''. This is not a normal bank practice and I am angry. I do n't believe that this is a normal business practice. I have had bank accounts with several other banks where the customer is not lied to like this. My check was not returned. I received the cashed information from XXXX, where the check was cashed XXXX/XXXX/16 and paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-09-2017 about Debt collection (I do not know) with Credit Collections U.S.A., L.L.C. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently checked my credit report and discovered that this company reported that I owe them a debt and to my knowledge I have never done business with this company and nor have they provided me with goods or services

Company response to consumer: Untimely response
Consumer complaint received 03/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a collection letter from Resurgent Capital Services for a debt owed to XXXX XXXX XXXX. The charge off date was XXXX/XXXX/2003 for {$610.00}. Resurgent is demanding payment in the amount of {$1200.00} for XXXX. I sent RCS a letter explaining that I do not owe this amount due to the statute of limitations, and I believe I made payment on this debt at an earlier time. Their response, received on XXXX XXXX, was that they were still pursuing payment because the information I sent was insufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (I do not know) with U.S. BANCORP (KS).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Payment reported as late but mailed in plenty of time. Late charges were reversed, but my deceit report showed 30 days late. I want the 30 days late removed from my credit report. 

Thank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Debt collection (Federal student loan) with GREAT LAKES (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I did not receive notice from Ohio that I was in default in my student loans ( actually had worked out a payment plan a few months prior ) and in danger of my pay being garnished. Instead, I received a notice from work that they were going to garnish my pay, so I contacted Ohio XXXX loans office to try to work something out so this would not happen, and they were rude to me and told me I could n't stop it, and would not work with me at all, and have begun garnishing my pay, even though I am a head of household with low income and now am being forced to file bankruptcy to stop it. I did receive notice from Missouri and have been able to work with them, but Ohio did not send me notice, and were very rude and will not work with me and instead disregarded letters I sent and calls and have started to garnish my pay. Is there a problem with Ohio student loans? I need to be able to work this out rather than file bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A law firm is trying to collect on a debt that was settled in a class action law suit and I am no longer liable for the debt. They sent a letter to my employer stating everything that I owed, what it was for etc to try and collect on this. My information should not have been given to anyone without my consent. I sent them a certified letter with the proof that I do not owe on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I received a call from someone stating he was with the XXXX XXXX County court and was trying to contact my Mother. I asked what it was in regard to and he stated she was being served and he needed to verify that someone would be home. He stated they had made 2 attempts and if she was not available after the 3rd attempt the legal proceedings would begin without her. I was given a number to contact to get more information about the case. The caller stated due to federal regulations he could not give more information because was in the dispatch center. I called the number that was provided and it was the corporate office for XXXX XXXX in XXXX California. That 's when I knew something was n't right. I was able to provide my mother 's social security number so they would speak to me about the file. My mother is deaf which is why she did n't call herself. I spoke with a XXXX and was advised that a debt was owed for an HSBC/XXXX credit card that was opened in XX/XX/XXXX. When I explained that there was no way a credit card was opened in XX/XX/XXXX, he said then why has someone been making payments on the account. He said the last payment received was for {$180.00} on XXXX/XXXX/XXXX. He said that 2 letters were already sent out and wanted to know why they were ignored. I said, I 'm not my Mother so I have no idea. When I asked about it being fraud, he said that would be decided in court. I also asked why this does n't appear on my Mother 's credit report. ( I know what is on her report because I help her monitor her credit. ) He responded there are XXXX reasons. XXXX because they are either waiting on a judgement from the court or for the client to accept an offer an pay the debt. I again said there is no way any credit was opened in XX/XX/XXXX and I know this because I opened up card on my Mother 's behalf in XX/XX/XXXX. He said then you did open the account. I said, no sir that was in XX/XX/XXXX. He told me all calls are recorded and wished my mother the best of luck in court. The call ended. I called back to get more information on the company. XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX. When I asked for more information, he refused and said that he would provide more info when my XXXX mother called. I said I 'm trying to get information so she is available when she is served. He then said that she will be served when he submits the order. That 's when I knew something was really wrong. Someone originally called and said he was from the courts trying to serve my Mom, but she 's always home and no one has served her. The original caller must have been associated with XXXX XXXX and mis-represented himself. The validity of this debt and the dates involved are in question.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: In XXXX, 2017, I began receiving multiple calls, daily, to my cell phone, from a company called DIVERSIFIED CONSULTANTS INC, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, claiming that I owe {$260.00} to them and demanding immediate payment over the phone. I told them I did not owe this for multiple reasons. I then wrote to them and demanded verification of the debt, for them to validate it, to show me how they arrived at the amount, when and what this was for, and the agreement I signed. They did not. We have not had XXXX XXXX here for at least eight years now, maybe longer. It did not work as advertised, it was a service failure, and we canceled and returned the equipment many years ago and the issue was resolved directly with XXXX XXXX. It was installed poorly, did not work properly, and we returned everything and canceled shortly after the install. We have not heard a word about this for many years. Suddenly, the harassing calls began, relentlessly. and I had to block the number to my cell phone from their multiple lines. Today, they have attacked my perfect credit reports at all three agencies. It has caused my credit score to drop significantly. They are claiming we opened this account in XXXX of 2017 in a fraudulent attempt to re-age what would be an expired debt if it were valid, which it is not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XX/XX/XXXX I wrote a check, # XXXX, in the amount of {$2700.00} payable to XXXX XXXX in order to close out my credit card account with it. The check was mailed on XX/XX/XXXX.
I received a letter from XXXX XXXX, dated XXXX XXXX XXXX, stating that it had not received the due payment. A call to XXXX XXXX  confirmed that the check had not been processed and due to the time lapse recommended I put a stop payment on check # XXXX for a fee of {$35.00}.
On XX/XX/XXXX I called XXXX XXXX to discuss the matter and the representative confirmed that my check had not been processed and that my account had incurred a late fee of {$15.00}. The representative told me that the late fee would be waived if I would make a " 1 time immediate on-line payment or automatic phone payment. '' I asked to be transferred to a supervisor for expedited payments. The representative agreed to transfer my call however after a 30-minute hold, I hung up and opted to file an on-line complaint via Synchrony 's website, which promised to respond within 3 business days. I did not receive a response.
I called my bank to set up the stop payment on check # XXXX and I made the 1 time phone payment of {$2700.00} to Synchrony via a funds transfer from my account.
XXXX XXXX XXXX failure to process my XX/XX/XXXX payment in a timely matter resulted in my incurring a stop payment fee of {$35.00}.

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 monetary relief
Consumer complaint received 06/15/2016 about Debt collection (I do not know) with WORLD ACCEPTANCE CORPORATION (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Sent a dated letter to this company which including information needed to verify debt ( name, account #, amount ) and the company claimed I sent a " frivolous '' undated letter without specific enough information!! They also have the incorrect account number written on the response letter they sent back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Checking or savings account (Savings account) with GOLDMAN SACHS BANK USA (IL).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: Most likely the Bank wont open my account because I do n't have credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ECMC Group, Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: The student loan was through XXXX XXXX XXXX acct number ending XXXX. The account status says it is 120 past due. This account was turned over to a collection agency and has been paid off for 2 years now. I would like to have it removed from my credit report. The information supplied to XXXX by the following agencies are out of date or inaccurate. please fix

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