milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Diversified consultants reported a paid account to my XXXX credit report. Their reporting indicates that they reported a debt for the first time after it was already paid. Reporting already satisfied accounts to the credit reporting agencies are illegal and malicious. This account needs to be removed asap because it was satisfied prior to reporting to my credit report. This company reported this to my credit report after I inquired about as to why I was receiving communication from them when the debt was already paid. Illegal and malicious practices.I have contacted the credit reporting agency and as per the credit reporting agency Diversified Consultants continue to verify with the credit reporting agencies that this information is accurate and it is not because this company should never have reported this collection account that was already resolved before the initial reporting. Not only is that a violation in itself ; they continue to violate by verifying this information as correct.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: TRANSUNION REPORTS XXXX, XXXX XXXX XXXX, ACCT. XXXX ON MY CREDIT REPORT.ON XXXX/XXXX/2016 THE ACCT WAS SETTLED FOR MORE THAN THE XXXX REPORTING ( SEE BANK STATEMENT ATTATCHED ) .SO A FEE WAS ADDED BY XXXX.THE AMT. AND DATE PAID ARE NOT LISTED ON THE CREDIT REPORT.IN CALIFORNIA ANY FEE IN EXCESS OF THE COLLECTION AMOUNT MUST HAVE BEEN LISTED ON THE ORIGINAL CONTRACT ; OTHERWISE IN CALIFORNIA, AS IN THE CASE HERE, THE FEE CHARGED ON XXXX/XXXX/2016 WAS ILLEGAL.IF THE CREDITOR THINKS ITS LEGAL PUT THE TOTAL AMT PAID AND DATE PD ON THE 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 05/19/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: After going through several iterations of filing disputes and uploading supporting documentation in order to remove all mistaken references appearing on my Equifax Credit Report ( related to a closed home equity line of credit account with XXXX XXXX-see attached dispute resolution ) I am convinced that the record in my Equifax Credit File has corrupted data that can not be updated properly as directed by XXXX XXXX to Equifax. The dispute resolution clearly states, " The results are : The date closedhas been updated. This account has been updated. Additional information has been provided from the original source regarding this item. '' However, when viewing my credit report ( or talking to an Equifax rep on the phone who is looking at the record on their system ) it is clear that the closed date field is still empty and all references to the Chapter XXXX Bankruptcy have not been removed as directed by the lender. Only the comment reference to " re-investigation in process '' has been removed. Therefore, either the system can not change the data due to corrupted data or the person performing the task is incompetent. Being that the other XXXX credit reporting agencies are reporting the same account properly from the same reporting info received from XXXX XXXX, it is obvious that Equifax is to blame for this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I reported to XXXX in XX/XX/XXXX that the XXXX XXXX adverse accounts were the same accounts listed under Department of education as satisfactory accounts. I am no longer liable for any XXXX XXXX accounts. These were paid by insurance. They are also way older than 7 years. I was never given a final response on my dispute filed XX/XX/XXXX. I believe that they thought I would just forget about it. I am XXXX years old and just now learning about credit reports. Instead of teaching me my mother was getting school loans in my name, but that is not the issue. I am no longer liable for them anyway. XXXX has been grossly negligent with my report. They had medical information not coded on my report, listed a XXXX as my address from XX/XX/XXXX and did not list and of my professional work experience from after I graduated college. They only still have a fast food restaurant from XX/XX/XXXX. They had my address as living in XXXX, Ks, XXXX, Ks and XXXX, Ks all in the same month and did not notify creditors about the address discrepancy. The XXXX XXXX accounts are settled. They have also been selling my credit report willy nilly without a permissible purpose listed on my account review inquiries without my consent. There are people who try to tell me they got my report because I got a homeowners ins quote, but I do n't own a home and they say I am not giving them the address that the quote was for. There are a few who just tell me they ca n't find any account for me. This is a blatant disregard for my privacy.

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 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received an alert in regards to my credit report that changes were made on my credit report and inquiries were made on my credit report. The following information below is fraudulent inquiries and changes that were made on my credit report without my knowledge. EMPLOYER REPORTED - XXXX XXXX XXXX - I HAVE NEVER WORKED HERE. THIS IS NOT MY CURRENT EMPLOYER. THIS FRAUDULENT INFORMATION THAT IS ON MY CREDIT REPORT IS A RESULT OF SOMEONE TRYING TO GET CREDIT IN MY NAME. REMOVE THIS EMPLOYER IMMEDIATELY. AS YOU KNOW ACCORDING TO THE FCRA, ALL INFORMATION ON MY CREDIT REPORT SHOULD BE 100 % ACCURATE. AS THIS INFORMATION IS NOT CORRECT, REMOVE IT FROM MY REPORT IMMEDIATELY. I WANT A FRAUD ALERT PLACED ON MY REPORT. IT MAKES NO SENSE HOW THESE CREDIT REPORTING COMPANY WILL PUT ANY AND EVERYTHING ON YOUR REPORTS AT ANY GIVEN 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 non-monetary relief
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Ask to remove address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX from XXXX and XXXX due to I have never lived at this address and this was incorrectly reported by a 3rd party, XXXX XXXX XXXX who had to refund me my money due to fraudulent information.

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 07/22/2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is a XXXX account and the last activity was back from 2006 which is past the statute of limitations to report but this company keeps on reporting. I have disputed with no results and this company continues to list. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The following accounts and inquiries are a direct result of ID theft yet Equifax refuses to remove the accounts/inquires from my credit within 30 days are required by law : Accounts : XXXX XXXX XXXX and XXXX and XXXX XXXX. 
Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I submitted a letter on XXXX/XXXX/16 to all XXXX Credit bureaus asking them to verify and validate debts listed on my credit report not only did they not verify some of the accounts updated on my report as if they are still active. XXXX keeps falling off my reports then reappearing saying I owe XXXX dollars to capital one but they have not responded to my request for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Other

Complaint: Kohls Credit Card Department offered me an option to keep my credit account which was past due open, they stated through every communication they were Kohls department store. In XXXX of last year they convinced me to go into a payment arrangement for XXXX months at which time it would catch the account up and all late payments would be removed from the account. After the last payment was made I continued to receive calls and informed them the arrangement that had been made with their agents and was informed that the card was closed and that I could try and reapply but otherwise it would remain closed, which was not what i had originally agreed upon when i made the arrangement with them. I told them before I would even consider anything else I wanted a bill, which i never received. Now they are harassing me saying the bill is over the amount i had already was supposed to have paid off because they added late fees yet again because they have not sent a bill. So now I was conned into going into an agreement with them which i honored to get use of my account back only to have been lied to and the account closed, and they continue to harrass me on my private cell line after being informed to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with First Data Corporation (FL).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: We ran a small XXXX XXXX. We called our credit card company, First Data on XX/XX/XXXX to close the account effective XX/XX/XXXX. We were closing the business. I saw charges on one of our bank accounts that we were keeping open to pay any bills after XX/XX/XXXX. They charged us for XX/XX/XXXX & XX/XX/XXXX a total of XXXX with no activity at the business. We called to have the charges stopped & reversed, but instead were billed for XX/XX/XXXX. We have closed the account at present to stop the charges, but when we called, the representative told us that we were supposed to call on XX/XX/XXXX, of which we had not been told & that there was no supervisor to speak to ... of course untrue. 

Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I opened a non-reporting installment agreement with XXXX XX/XX/XXXX. Our agreement specifically stated that no reporting to credit bureaus would be used, and no reporting of payments or status of the account to any of the major reporting agencies. The company changed its receiving company XX/XX/XXXX, and there was an error in my payment history and amounts due. After I paid what was my correct balance, XXXX decided to break our agreement and place an erroneous balance on the Equifax report. I filed a dispute with Equifax XX/XX/XXXX, and this information was removed. Now I find out recently, that XXXX has placed this information back on Equifax as a revolving credit card. I never had a credit nor a revolving line of credit with this organization. All information about this account is erroneous and should not be reported per our original agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Debt collection (I do not know) with Coastline Financial Resources, LLC (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I got a call from XXXX. Saying they had to verify my address because some " legal documentation was being sent '' I did some research about this number, and I believe its a scam.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX RAN MY CREDIT TWICE AND GAVE PERMISSION TO RUN SOLF ONLY

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 02/15/2018 about Debt collection (Credit card debt) with Machol & Johannes, LLC (OK).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Malchol and Johanson LLC Filed papers at the courthouse in my county threatening to sue. This was for a credit card from about 7 years ago. I set up a payment plan and made the first payment of {$100.00}. However in order to send them another payment they were supposed to send me a receipt that reflected the amount I paid. After several attempts to get a receipt, they still have failed to do so. Now theyve threatened me with my account is in default. After several calls today, still no reply.,

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 07/13/2017 about Mortgage (FHA mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (WA).
Issue: Trouble during payment process

Complaint: I called in to my mortgage servicing company, Rushmore Loan Management, to complain that I have not received any monthly statements for several months. The servicing company advised me that since I have gone through a chapter XXXX  bankruptcy, that I would have to send a letter stating that I re-affirm the loan before they will send me statements, that it was a new company rule that went into effectXX/XX/XXXXXX/XX/XXXX. The problem is, the bankruptcy debt was discharged XX/XX/XXXX and I have been getting monthly statements from them with no issues since them. They have just begun to hold my statements hostage as of XX/XX/XXXX. I advised the customer support agent that at the time of the bankruptcy I was working on a loan modification and that I had signed a loan modification agreement, in effect taking on a new loan outside of the bankruptcy and that I have been on time with payments since the new agreement went into effect. The CSR advised that I would still need to send a letter stating I re-affirm the debt or that they will not send me monthly statements. I believe this behavior violates the periodic statement rule outlined in 12 CFR.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Mortgage (Home equity loan or line of credit) with Synovus Bank (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I filed for Chapter XXXX Bankruptcy on XXXX XXXX, XXXX. All accounts included in that bankruptcy and the public record were removed from my credit reports except for Columbus Bank and Trust ( CB & T ) on my XXXX report. On my XXXX XXXX, XXXX XXXX report this account reported correctly that it was " Discharged through Bankruptcy Chapter XXXX '', " This account is scheduled to continue on record until XXXX XXXX '', and " Debt included in Chapter XXXX Bankruptcy on XXXX XXXX, XXXX ''. The data on subsequent reports on XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; and XXXX XXXX, XXXX each erroneously updated this account. XXXX XXXX, XXXX report changed to " Debt included in Chapter XXXX Bankruptcy on XXXX XXXX, XXXX '' and " This account is continue on record until XXXX XXXX ''. The XXXX XXXX, XXXX report indicated " Account Charged Off. $ $ $ $ $ $ written off ''. I disputed the item with XXXX, who instead of removing the account now has updated it to " Discharged through Bankruptcy Chapter XXXX Never late. '' and " This account is scheduled to continue on record until XXXX XXXX. '' I proceeded to dispute this again via certified mail, but XXXX still did not remove the account. I can only assume that CB & T is saying their information is correct when it is not. CB & T needs to have XXXX remove this account from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Hello, we have contacted XXXX XXXX as well as the credit reporting agencies to removed the XXXX 30 days from our accounts, from my credit report as well as my husbands XXXX XXXX 's. It is a joint account. 
Our Issue is, We called in for a payment option. Ready and willing to make the payment on time that day. After speaking with one of the customer service members I called in. I was given the option to pay {$1900.00} on XXXX XXXX, 2016 and {$2900.00} for XX/XX/XXXX and XX/XX/XXXX. I was told that I would receive paperwork in the mail but that all I needed to be aware of was making the first payment on XXXX XXXX, 2016 so that the payment plan would not default. The payments have been made as directed and are not considered late. Though they are reflecting on our report as late. The agent did not advise us that by choosing this plan it would effect our credit score and or show up as late on our credit report or we would not have chosen this option. I feel it should be told to you by XXXX XXXX customer service who suggest this plan that if you do choose it t could negatively impact your credit report for 7 years. This would have drastically changed are decision towards this payment plan. When we called to explain to XXXX they said the representative would be reprimanded but they could not fix the error. We advised we were in the middle of a home sale and or refinance and something of this nature could drastically effect that. We have paid on time for 3 years to XXXX XXXX, never missing one payment. By choosing the option they suggested as a payment break up it now shows we are 30 days late not on time and completely effects our future situation on home buying as well as character. I feel it is fully unethical on chases part to not advise you of this when they are suggesting " Options. '' I am in the middle of a re-finance and can not move forward because of this negative impact on my credit score that was never disclosed to me when I accepted what the agent advised me on XX/XX/XXXX. Can you please remove this from our credit score? I Greatly Appreciate you taking the time to do this. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2017 about Debt collection (Payday loan debt) with Global Trust Management LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a call from  XXXX   XXXX  of  Global Trust Management  today stating he previously left a mesage with  XXXX   XXXX  in regards to the debt. I explained that I had not receieved any message. He then wanted me to provide my date of birth, I told him due to the amount of identity fraud I refuse to identify any information and all communication should be through the mail. He stated he needed to verify my identity before discussing the debt. I again refused and asked him to send all correspondence through the mail. He stated the address and I said yes send all replies via mail. He then proceeded to discuss a debt stating I do n't have a paid in full letter and he is reaching  out one last  time before he decides what to do with it. I have heard nothing from this company or gentleman nor have I received correspondence un the mail in order to dispute. He then became belligerent at which time I disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Can not receive my free credit report online. I am only able to purchase for a fee. They are requesting validation of identity to provide the online report even though I can purchase it without the validation. I have made online disputes to credit report and they respond to the online dispute, they just will not provide the free report without red tape and delay which causes me to not access the free report. They are using this tactic to make money off of me, in violation of my FCRA rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I attempted to get my free annual credit report online from the TransUnion website, and due to some error on their end, I was unable to do so. I tried a second time and got the same result.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-10-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I opened a Wells Fargo checking account on XX/XX/XXXX as part of a promotion that would provide a {$250.00} bonus after opening a new checking account and setting up a direct deposit amount of {$500.00} or more within 60 days of account opening. All terms of this offer were met and completed on XX/XX/XXXX. The bonus was supposed to be issued within 45 days of meeting the terms of this offer. It has now exceeded 45 days. The bank is now claiming that I was not targeted for this offer on their internal system. <P/>I have attached the screenshot from Wells Fargo describing the offer as well as a copy of my checking account application email confirming my enrollment in the offer.

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