milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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 just received confirmation from XXXX credit reporting agency that an item " XXXX XXXX XXXX " was finally deleted off my credit report after there investigation. However I am submitting this complaint about XXXX and transunion credit reporting agency 's as they are still reporting this account on my credit report. It has been disputed numerous times and XXXX and transunion should have received the same response from XXXX XXXX XXXX to remove this account off 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 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OK).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: filled out an application for a XXXX XXXX XXXX credit card at an XXXX XXXX XXXX XXXX XXXX for {$15.00} dollars off on my purchase, the application was approved a few days later I received a XXXX XXXX  credit card along with a congratulations letter. the card had an activation number on it stating call this number to activate your new card I called the number and put in the card number and was congratulated on activating the card. a day or 2 I tried to use the card for a small purchase and the transaction was refused, i paid for the purchase myself and came home and called XXXX XXXX, they stated that they had turned it off because they needed more information, they stated they wanted me to fax a copy of my birth certificate, social security card which I had already submitted and shown to the person at the store and a copy of my drivers license again which i had already shown to the person at the store. now here 's where this all goes bad and wrong my application was approved number 1, my card when i received it was activated by XXXX XXXX number 2, then XXXX XXXX turned it off I assume immediately without any notification number 3, now this one is where i get the bad news, my credit score drops XXXX points number 4. all this for a XXXX dollar purchase. CAN YOU HELP!

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 11-03-2017 about Payday loan, title loan, or personal loan (Payday loan) with DFC GLOBAL CORP (FL).
Issue: Loan payment wasn't credited to your account

Complaint: I asked for a payday loan on XX/XX/XXXX, I WAS NOT INFORMED THAT THEY WOULD RUN A CREDIT CHECK, I have A HARD inquire on my credit file. 
The monet was deposited to my checking account on XX/XX/XXXXAND THE WITHDREW XXXX onXX/XX/XXXX the loan was paid in full! 

But to date, the account XXXX shows as having an outstanding loan, I have a copy of a chat, on XX/XX/XXXX an email sent onXX/XX/XXXXanother chat XXXX ... and went to the local store ... nothing but the run around .... 

I am asking that they CORRECT, their database ... I paid the loan IN FULL XX/XX/XXXX 

Thank YOU

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Debt collection (Auto debt) with Premier Holdings (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Received call from unknown debt collection agency on Wednesday XX/XX/XXXX at around XXXX XXXX  saying they are attorneys and going to take me to court for wage garnishment for account 6 years old. Employee was rude and unprofessional. Employee used abusive and threatening language.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: loan XXXX, loan serviced by Ocwen ; Ocwen will not admit that their creation called Shared Appreciation Mod is dead and cancelled. Signatures are not real by either party. 
Ocwen keeping the mod alive in order to keep the payments made. A new loan mod requested has been submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Incorrect information that has been disputed since  XXXX . False Act information concerning employment, insurance and other information. What it has affected and still affects several issues : Deformation of Character, False Claims entered, Employment and Financial stabilities. Wrongful Garnishment and a host of other issues. In  XXXX - XXXX , I asked   XXXX   XXXX   to assist with these issues, but they did nothing in my disputes because they work for  XXXX  and also have their own company which is  XXXX . I work for a company, who uses their services, and because of this reporting, I would have to take drastic actions like Wage Fraud and EEOC. Even Social Security has been tapered with.

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 Debt collection (Other (i.e. phone, health club, etc.)) with Duncan Solutions, lnc. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I received a letter from professional account management about a unpaid parking fine from 2011. The letter also threatened to boot my vehicle and tow and impound my vehicle. 
The fine was from a late fee for a paid parking ticket. This fine was paid at the time of paying my ticket. 
We no longer have that bank account ; therefore, we can not verify it officially. 
The fact that they 're just now, over 5 years later, threatening me about this truly makes me think that it 's a type of scam. 
Since most individuals would n't keep such documentation as a paid fine past a few years, it looks as if this company is hoping to garner whatever they can from whoever they can.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Debt collection (Payday loan) with Cottonwood Financial Ltd. (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I was contact by a company claiming to be a process serving stating they were going to file a law suit against me and have be served with papers. When I instructed them that I had consolidation company handling this and they said the company could call them. I then asked for him to provide me in writing proof that I owe his company a debt. The gentleman I was talking to started to get irritated and I then said listen here XXXX. His next words were XXXX and he hung up. He stated the call was being recorded. This same company called a former employer of mine and left a message there stating they were a processor server and that I needed to call them back. The message even included a case number.

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 05-04-2016 about Consumer Loan (Vehicle loan) with UNIVERSAL ACCEPTANCE CORPORATION (NE) (TX).
Issue: Problems when you are unable to pay

Complaint: I was responding to UAC regarding an email that I received in XX/XX/XXXX regarding a consent order sent to me by email from the CFPB about this company reporting incorrectly to the credit bureaus. I had a lot of problems with them when I was a customer so naturally I wanted to check to make sure my credit reflected correct information. I was advised if already pulled credit report from annual credit report.com and still wanted a copy that we were entitled to one from XXXX and could request it by calling UAC. I did that in on XXXX/XXXX/XXXX and spoke with a woman who had no idea what was going on but took my request to the credit department and was told would mail it and they took my new address. That was two months ago and I have yet to receive any credit report from them. I then called UAC today XXXX/XXXX/XXXX and spoke to a XXXX XXXX who was incredibly rude he must have interrupted me 5 times during the conversation and was very argumentative. He had the nerve to tell me that it did n't really apply to me because I have n't done business with them in two years when the email I got about it in XX/XX/XXXX which provided additional information specifically said that it involved accounts that were before XX/XX/XXXX so it definatly concerned me. Then when I basically told him to stop arguing with me and put in my request he took down my new address and married name and said would request my credit report. Then a little while later he called me back to tell me that I was wrong and that they are not sending customer 's credit reports but that is what it says in both emails that I received I was treated with incredible rudeness by this customer service representative ony to have him back off multiple times and say he 's just trying to help me I want to know that my information is correct and I want it taken care of as stated by UAC I have not been a customer of theirs for awhile and I would never be again. Every conversation I ever had with those people the whole time I had a loan was disgusting rudeness I was given a loan modification once to help me out and they failed to let me know at the modifcatin that they were raising my interest rate I think they raised it to like a disgusting 24 or 29 % I had a terrible experience with this company and to call back later with a fully paid off account only to be treated like XXXX again is truly annoying.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My debt, which was an electric bill has been paid off for over a year I have called the electric company, national grid, and I have called the debt collector and still my debt has not been removed or marked as paid on my credit report. It is the only debt I have and it is stopping g me from moving forward. They have not helped me at all, so I was hoping you could.

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 05/17/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have paid this debt in.full and went to.the court and filed psper work and paid to.have it removed from the courts and my credit reports but still showing as open in the XXXX county courts and all the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Debt collection (Credit card) with Monarch Recovery Holdings, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Credit card company turned off my ability to pay and I was not able to get them to turn it back on. After XXXX missed payments, they closed my account and I was sent to collections. I received a letter from a collections agency that stated a settlement offer. If I paid half of the amount due, the credit card company would forgive the other half. The letter stated the settlement was an option for the entire length of time that the collections agency serviced my account. I paid the 50 % to the collections agency and thought I was done with this debt. However, a few months later, I was checking my credit and the half amount was still showing as due. I called the collections agency and they told me that the credit card company had requested my account back. Since the collections agency no longer had my account, they apologetically let me know that there was nothing they were able to do. I called the credit card company and asked why the debt was still there if I paid the settlement, and the representative said it was not marked as a settlement. They said they would request the information from the collections agency and get the debt removed. Another couple months go by and I get a letter from the credit card company to open a credit card with the balance of my debt as the credit limit. I call the credit card company again and ask why my debt was not removed. The representative was extremely rude on the phone and went as far to say " what do you want me to do about it. '' I paid the collections agency in XXXX of 2015 and the credit card company requested my account back in XXXX of 2015. I have not been able to get the credit card company to assist me. The credit card company has sent me to another collections agency, which I already claimed a dispute against the debt. 

I have proof of the settlement agreement and proof of payment to the collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been in contact with the credit bureaus in regards to recent hard inquiries on my credit. I work for the XXXX had a malicious cyber intrusion which resulted in thousands of employees information being breeched back in XXXX of 2015. I was an employee that was effected and XXXX sent me email that is attached dated XXXX XXXX, 2015. I have been getting hit with multiple inquiries on my credit and I have communicated in writing, as well as on the phone to all three credit bureaus. They will not remove what has been requested and once again I can not get anywhere,

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 04/28/2015 about Bank account or service (Other bank product/service) with U.S. BANCORP (MO).
Issue: Account opening, closing, or management

Complaint: US Bank recently cancelled the free night award bonus which was a benefit of their club carlson credit card. I had renew my annual membership with them for this card solely for this benefit feature. US bank did not communicate clearly with me that the benefit had changed. Instead they added a small notification in my monthly statement to notify that this benefit was set to expire XXXX XXXX. I feel I was misled by US Bank as they advertized at the time I renew my membership unlimited free bonus award for any nights booked with points. my family do a large part of our banking with US bank and are not considering other options.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax.com asked me authentication questions that come from my credit report to verify I'm me. One question asked me what company I had an auto loan with. I've never had an auto loan, so I answered " none of the above. '' It asked me non-applicable question after non-applicable question like that. It said it couldn't verify me based on the questions. What? I answered every single question correctly. 

I have filed complaints against Equifax, but, instead of addressing and fixing the issue, they respond back with : " Dear XXXX XXXX, we received the complaint you submitted through the CFPB Portal. Please be advised that the authentication questions on the Equifax website are questions designed to be known only by you. Please be aware that these questions are in no way an indication that the given information is in fact reporting on your Equifax Credit Report. These questions may or may not be applicable to you. Its a protective measure that is used to deter any perpetrators from trying to gain access to your Equifax Credit Report. Please note that for future disputes of credit report information, you may visit www.equifax.com '' When I go to other sites such as usps.gov that use authentication questions from my credit report, they always claim I answered the questions wrong too.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Credit decision / Underwriting

Complaint: I contacted my current mortgage company to inquire about refinancing my loan to shorten the term from 30 to 25 years. After speaking with XXXX I submitted an application based on the terms he presented. I was provided with an extensive list of verifications to gather and submit and completed an application over the phone with XXXX. After several days of repeated requests to submit and resubmit the same paper work, I grew frustrated and wrote an email to XXXX informing him that the process was taking too much time from my business day and I didnt care to continue if there would be more paperwork required. XXXX wrote back to indicate he only needed a pay stub and after that he was sure the underwriter would approve the loan and there wouldnt be the need to continue searching for and sending documents. Based on his email to me, I agreed to provide him with the {$500.00} non-refundable fee believing that he was operating in good faith and i would proceed toward a loan. After sending them the funds and waiting a few days I got another message from XXXX indicating that the underwriter now wanted another 8 or 9 pieces of documentation, many of which would take hours and even weeks to obtain, and several that had been submitted previously, some of them more than once. I called to complain and was connected with a supervisor, XXXX, who proceeded to tell me that I never qualified for the loan in the first place and should have been stopped at the application because I do not meet their income to debt ratio. At this point I dont care about the loan, but am curious and very angry about a mortgage lender taking money from me for a loan he knew he could n't make, and worse, wasting significant portions of my time providing documents when the loan had already been essentially denied due to failure to meet credit standards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/25/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: Wells Fargo closed my primary checking account in overdraft, but the overdraft was entirely due to the bank 's assessment of fees for unauthorized debit attempts. 

Now, I can not access any historical data or monthly statements, even though the bank promised to provide 18 months of data online if I went " paperless. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-06-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NV).
Issue: Loan modification,collection,foreclosure

Complaint: my home loan was foreclosed on XX/XX/XXXX with Ocwen loan, but my Ocwen loan XXXX is showing on my credit as late payments of 120 days. the loan company continued to put late payments until XX/XX/XXXX. I contacted the company of the issue and was told the loan was XXXX out on XX/XX/XXXX and will receive a statement in 2 to 6 months. I was not allowed to fix the problem

Company response to consumer: Closed
Consumer complaint received 05/24/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Customer service / Customer relations

Complaint: On my report there are XXXX chase auto loan inquiries from same chase bank they ran the same credit check twice both were not suppose to be ran because I was approved for a loan and the car dealer ran my credit on accident not understanding I was already pre approved. I am asking for them to be removed because I never gave permission to have my credit ran or tried to attempt to get a loan from this bank. This was not my wrong in doing it was a miss communication with dealer that thought I needed a loan but i already had one through my credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Debt collection (I do not know) with The Eastbrooke Group LLC (NV).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I 've continue to receive calls from a company called Eastbrook group who have threatened me stating they have sent police officers to deliver some documents in regards to check fraud claim. I received a phone call from XXXX XXXX who claims she is from the XXXX fraud processing department, requested for my current address information and if I did not respond the XXXX XXXX will issue a warrant to have me arrested. I do n't know what this debt is for, let alone I have not lived in California for two years.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Consumer Loan (Installment loan) with Credit Central Holdings, LLC (AL).
Issue: Problems when you are unable to pay

Complaint: First of all this company makes it an inconvenience to its customers needing to make some type of arrangement for a late payment. They want their customers to come to the office to make the arrangement and refuse to do it over the phone where as all other financial institutions will gladly do it over the phone. This company wants you to leave your employer to come in the office possibility of their customer losing their job. Second this particular branch calls you a day before the arrangement has been set for saying that the arrangement day was missed. You tell this particular branch you mailed the payment and it takes one day to get from the customer 's house to their office via mail. They still call 6+ times a day after 3 days you mailed knowing they have the payment and want to harass you anyways very unprofessional and rude to their customers.

Company response to consumer: Closed with explanation