milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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: Repeatedly, since and before XXXX XXXX, TRANSUNION has refused to comply with applicable federal law by providing the proof they are required to have on record regarding requests for my credit history. I have demanded that TRANSUNION provide the ( 1 ) method of verification TRANSUNION utilized and the ( 2 ) name and address of the furnisher to whom TRANSUNION sumbitted its dispute investigation and from whom XXXX received the investigation report. TRANSUNION has continuously refused, failed, and ignored my demands for TRANSUNION 's compliance with federal law. Instead, to my detriment, TRANSUNION has and continues to assert erroneously that the XXXX CNTY COURTS is responsible for furnishing the derogatory public record information. Personally, I have discussed at length with the XXXX XXXX CLERK OF COURT and have been advised in writing and verbally that the neither the OFFICE OF THE CLREK nor any court, municipal, state, federal court makes any reporting of public record to a credit bureau! Hence, TRANSUNION is a XXXX defamatory liar! As recently as XXXX XXXX, XXXX in TRANSUNION File # XXXX, TRANSUNION is still reporting a RELEASE OF TAX LIEN on my consumer credit report while trying to sell to me credit score subscription and other consumer credit reporting services. TRANSUNION is aggressively continuing to report this unverified, invalidated derogatory public record even though I have successfully had applied to the consumer records maintained by XXXX, a permanent freeze. TRANSUNION 's lies about having having verified the the reporting as accurate is a XXXX lie!

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 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Receivables Management Partners, LLC (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I received numerous threatening calls from Account Receivable Solutions, XXXX XXXX XXXX and Allied collection Group demanding that I pay the debt owed, otherwise I would be sued or taken to jail. They also threatened to come to my home and place of employment. Arrangements were made to pay debt in full, and the following accounts were supposed to be removed from my consumer credit report : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$35.00} 2. XXXX XXXX XXXX {$340.00} XXXX. Allied Collection Group-XXXX XXXX {$450.00} I am requesting full DELETION of these accounts from my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (AZ).
Issue: Managing the loan or lease

Complaint: I filed bankruptcy in XXXX, it was dismissed. I purchased a vehicle XX/XX/XXXX, GM financial reported my account as included in bankruptcy ( which does n't apply to this vehicle XXXX years after a discharge ), continued taking payments up until I purchased a new vehicle XX/XX/XXXX, but states I stopped making payments XX/XX/XXXX. This incorrect information is being reported on my credit report. I have disputed this with all XXXX credit bureaus as well as GM financial who said the information is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In XXXX XXXX I started to receive collections phone calls from Navient. I was receiving several in one day. They stated I was delinquent ( a {$450.00} ), however I had the canceled checks on my bank account showing I paid. I made several dozen phone calls, often being on hold for upwards of 45 minutes. I ended up speaking with XXXX ( employee number XXXX ) a supervisor from the months of XXXX XXXX to XXXX XXXX to have the problem resolved. As it turns out when I mailed my checks, they processed two incorrectly on their end. They cashed my checks to the XXXX XXXX XXXX, the WRONG department of their company which I do NOT have loans with. It was a bit confusing to me that they have 2 separate departments. Even though it was their error, and they admitted to it, they could not just transfer the money internally in their company. They said the only way to fix the issue was to cut me a check and refund my money. Then with that money, I could re pay them and they would apply payment to the correct department. I waited for this refund from XXXX XXXX to XXXX XXXX. Each time I called they said it was coming. It never did. In speaking with XXXX in XXXX, he said they refunded the wrong person ( not me )!!! They ended up eating the cost because they made another mistake. He said I was all cleared and paid up, not to worry about getting a refund and repaying to the correct department. They ended up in the end, just transferring the money I already paid to the CORRECT department. This is what I asked them to do in XXXX. The issue was not resolved until XXXX ( six months ). <P/>However, it has come to my attention that they have done the same thing with my XXXX and XXXX XXXX payments ... .cashed them incorrectly to the wrong department in Navinet . So on their end, it looks like I am delinquent. However I have the canceled checks to prove I paid and they cashed them. I have left a message with the advocate, they have not called me back.
<P/>
Attached are the cleared check for what they are saying I did not pay. Attached is also the Navient statement saying I paid as well!

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit card () with SYNCHRONY FINANCIAL (MI).
Issue: Other

Complaint: I opened a Walmart credit card account with GE Capital Retail bank ( now Synchrony Bank ) in XXXX, of XXXX. I lost my job in XXXX and fell behind and was unable to make payments. I worked it out with Synchrony by going on a payment plan to get the account paid and closed. The representative said that as soon as the payment plan was completed that the account would report as " paid in full '' and they would remove the late payments from my credit report. 

XXXX shows " pays as agreed ''. XXXX shows both " Payment after charge off/collection '', and " Settled-less than full balance '', and XXXX shows " Account Paid In Full For Less Than The Full Balance '', and they are also still reporting all of my late payments after the representative specifically said that they would remove. I do n't understand how they removed them from XXXX and XXXX but not from XXXX. 

I have attached a copy of XXXX XXXX credit report pulled on XXXX/XXXX/XXXX for your records, so you can see the erroneous and inaccurate reporting. 

Due to the erroneous and inconsistent reporting across the XXXX credit bureaus, I am requesting that this trade line is removed from my credit reports, or is updated to " paid in full '' and all late charges are removed.

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 01-04-2018 about Debt collection (Other debt) with ERC (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This account is listed on my credit report as being opened on XXXX/XXXX/2017, for {$450.00}. i did not authorize any purchases to this company ( XXXX ) and this debt collection agency is not licensed in my state to collect this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX I received a call from a Wells Fargo rep stating that to avoid forclosue on my home I was to pay XXXX by XXXX XXXX. She gave me both the amount and date. I went to local branch on that day to pay and the local rep called in on how to proceed with payment. She was informed that I actually went into forclosue the same date of the phone call. I was then told I would have to be sent a reinstatement letter and pay that by due date. They never sent. I called back again and they apologized and would send another. I got it and it was XXXX more than the initial agreement. I called to dispute as the deal originally was past due payment only, no late fees or anything else. The reinstatement had late fees and attorney fees on it. They then put my account to review for the dispute. Then delayed the outcome of the review at least once maybe twice. When I finally got an answer they said everything was handed properly from their side. Admitted that the original called had given me the dollar amount but said no where on the tapes did she give me that date. Which is an outright lie. I requested a copy of the original call recording and they refused that unless they were court ordered to. If they have nothing to hide why are they refusing? They are trying to pull a fast one on me as they have to many others. It is n't right and I wo n't stand for it. I want a copy of the original recording. And I want them to come to an agreement on the original deal. It will be more now, yes but it should be what was promised in the beginning. All past due payments. Late fees on the back end and absolutely no lawyer 's fees as this is there companies mis communication not mine. I have been trying to pay since XX/XX/XXXX but I wo n't pay what was not agreed upon. Please 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 12/24/2017 about Debt collection (Credit card debt) with Zakheim Law Group, P.A. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: I was sued by Zakheim Law Group allegedly representing XXXX XXXX on a credit card debt XX/XX/XXXX- case # XXXX XXXX XXXX XXXX XXXX . I answered ( pro-se ) alleging they had no standing as they did not appear to have been actually authorized by XXXX to represent them. Subsequently they filed an affidavit ( 149 pages ) containing my complete account records for over 2 years including the unredacted account # s and ID of various medical and other accounts. After losing my case and my counterclaim I was told by the Court that I could file to have this data redacted. This was not the case as I do not qualify for that and I am not permitted to have this filing made private as that is something only the plaintiff is allowed to do. I had notified Zakheim on XX/XX/XXXX in  my answer that I am a widow on a fixed income from SS and a small pension and exempt from any possible garnishment or attachment as I have no assailable assets. Zakheim proceeded to obtain some sort of authorization in XX/XX/XXXX to actually represent XXXX and proceeded to obtain and record a judgment against me, as well as proceeding to file judgments in several other cases that were in the same Court that were still open and had no activity for 3-6 Months prior. It is my contention that Zakheim had used the Court as a collection agent in many cases without actually at the time of filing being authorized to do so. In addition the publication of my account records including the names and account # s of various medical payees is a violation of my privacy rights under HIPAA.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Debt collection (Credit card) with Dynamic Recovery Solutions, LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dynamic Recovery Solution XXXX XXXX XXXX, XXXX, SC XXXX, XXXX XXXX XXXX XXXX sent me a notice in the mail trying to collect on a supposed debt. They said the original creditor was XXXX XXXX XXXX, and that I owed from a credit card back in 2002. I have never had a XXXX XXXX XXXX card!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2017 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: Information belongs to someone else

Complaint: wrote letters to all 3 credit bureaus ... accounts on that are not mine ... was told these were verified ....

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 08/18/2016 about Debt collection (Federal student loan) with Account Control Technology, Inc. (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I found out I had an outstanding student loan this year after I filed my taxes, when my refund was taken. I made contact with the XXXX XXXX loan and the collector.I explained the situation and that I was disputing as the information that they had on file was from over 20 years ago : the address was from when I still lived at home with my parents, my phone number was incorrect, my email was incorrect and I was not aware of having this loan. I was told that I would need to file a dispute and contact them when I heard back - this would have been in XXXX. I started the dispute and requested copies of the paperwork at that time. I was assured that it would be sent. I never received it. 
In XXXX I received apx 20+ calls from number I did not recognize that only left partial recordings on my voicemail- none identified the company, who they were trying to reach, or why. 
In XXXX and XXXX the same. Multiple calls from a robodialer, sometimes minutes apart. None identifying who they were, why they were calling, other than " an important matter '', and a partial message on my voice mail. 
I actually spoke with a XXXX ( or XXXX ) XXXX in XXXX. I answered the phone and was immediately bombarded with rude and abrupt questions and threatened with having my wages garnished if I did n't immediately do as she said. I attempted to explain that I was disputing the loan and her reply was " You 've had enough time, you need to pay this now ''. I asked for her to send me the Promissory note- she told me that she would not. I asked if it could be emailed, no. I asked for her supervisor and was told that he was n't available and that he would n't be able to help me. 
I hung up the phone and called back after work- The Company that has my loan is Accounts Control Technology. I spoke with a XXXX XXXX who claimed to be XXXX Supervisor. I explained the issues I had been having, requested the paperwork again, and was told no problem, he would mail it out. 
It 's been 3 weeks and I still have n't received the paperwork. 
The phone number they have been calling from is XXXX. The extension I was given was XXXX. These people are harassing, threatening, bullying, and intimidating me in an attempt to get money for a loan that I am trying to prove I did not take out to begin with. I have no idea where to go with this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Had no issues at all when student loans were serviced by XXXX, XXXX, or XXXX. Starting in XX/XX/XXXX, XXXX started misappropriating my loan payments into the wrong accounts, even though my bank had the proper loan numbers on the payments. ( Account numbers were given to me by XXXX ) They even threatened, by letter, to send me to a collection agency, in addition to the collection department calls from XXXX themselves. They were also charging me late fees and calling my accounts delinquent, when they were the ones who made the mistakes. This happened 5 months out of 6 in XX/XX/XXXX. Every time I called to try to straighten out their mistakes, they blamed me or my bank and were hostile and rude. Now the same thing has started again in XX/XX/XXXX, where they are misappropriating my loan payments again.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 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: Personal information incorrect

Complaint: I have been asking the credit bureaus to fix my credit report for over 6 months now. They have my birthdate wrong and accounts on my file that are not mine. All of the bureaus have been notified and still nothing. They WILL NOT CHANGE MY BDATE.
Also they are showing 2 accounts from national credit adjusters that are not mine and a bankruptcy on XXXX. I have had a issue with id theft and these are just not my accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted multiple times, through phone calls, and letters to report that there are unauthorized pulls on my credit. I did not authorize these claims. I have reached out to the companies individual and they were not able to identity me authorizing the credit pull as well.      XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   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 explanation
Consumer complaint received 01/29/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with UBS BANK USA (CT).
Issue: Unexpected or other fees

Complaint: In XX/XX/XXXX, I established an account with UBS through an entity called XXXX  XXXX XXXX, with an approximate value of XXXX XXXX, and later added to that account an additional XXXX  XXXX approx, resulting in a total value of XXXX  XXXX deposited with XXXX XXXX of XXXX XXXX XXXX. In XX/XX/XXXX, I was fraudulently induced by XXXX XXXX to transfer this account to XXXX, where XXXX XXXX XXXX was then situated. I acceded to XXXX XXXX 's instructions to leave UBS because I received no alternative proposal from UBS to preserve and grow this account, and issued instructions to UBS to transfer the full amount in this portfolio to XXXX. However, UBS ignored these instructions ( for unknown reason ) and retained a portion of this money, exact amount unknown, in a retirement account XXXX XXXX XXXX. For several years, I received zero communications from UBS about this account, and was unaware of the fact that the money had not been transferred in accordance with XXXX XXXX 's instructions. I then started to receive monthly statements from UBS as to the value of the account, roughly {$6500.00}. I asked UBS to transfer this money to XXXX  XXXX XXXX, but they stated that this could not be done. Since that discussion, this account has remained at UBS, has been totally unmanaged, yet has been charged quarterly maintenance and annual account management fees. No one has managed this money despite these fees, and I now wish to get back from UBS the full amount of the value of the account from the date I requested transfer to XXXX, plus statutory interest.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I mailed 2 certified letters to the University XXXX asking them to verify that the debt is mine. One was mailed XXXX XXXX, 2016 and one on XXXX XXXX, 2016. It 's been over 60 days and I have not received verification that this debt is mine. Per the FCRA law, they had 30 days to both mark it as disputed on my credit report and send verification. They broke the law but not responding and I want it deleted off of all XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Bank account or service (Checking account) with FIRST CITIZENS BANCSHARES, INC. (NC).
Issue: Deposits and withdrawals

Complaint: I made an online purchase using my debit card on XXXX XXXX 2015. The merchant did not have one of the items I ordered in inventory, and said they issued a {$10.00} credit for the item. I have never received the credit. I talked to the merchant and they said everything has processed on their end, and there was nothing more they could do, and to call my bank. I called my bank, and they said there is nothing they can do. My understanding is that the bank has an obligation to investigate any reported error, however they refused to do so. They said my only option is to return the part of the order I did get and get a refund for the entire order, or dispute any incomplete refund from there. This does not make sense. I feel the bank has an obligation to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: TransUnion is reporting a XXXX XXXX on my credit report. This transaction was not initiated by myself it was a towed vehicle that was sold by myself. 

Transunion and finex group have no standing in reporting anything on my credit report since this was not initiated by me.

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