milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/XXXX  -     XXXX   XXXX   XXXX   XXXX   XXXX   (  XXXX  ) automatic payment service (   XXXX   XXXX  /mo ) failed to cover a {$0.00} balance on  my HELOC ac count.        XX/XX/XXXX   - I noticed a 30-59 da y delinquent report on my report for my   XXXX   XXXX   reported by TransUnion. This was not reflected on my   XXXX   report.        XX/XX/XXXX  -  I  contacted  XXXX  requesting that they update and correct  my credi  t score o ver this error in their auto-pay system. They agreed and said it would be a few days to update on my credit reports. The update was reflected on the   XXXX   report but not the Transunion report.       XX/XX/XXXX  -  I disputed the delinquency on TransUnion web site, which had lowered my credit scores Transunion and  XXXX , mentioning that   XXXX   was correctly reporting a 100 % payment record.      XX/XX/XXXX - While I did not receive Transunion 's promised " Dispute Resolution Email '', I noticed that the  XXXX   reporting h istory reflected t he 30-59 day d elinquency within n two  days of the dispute. Never did I receive an investigation resolution email.       XX/XX/XXXX  I ag ain asked  XXXX  to correct and update my credit record. Within  two  days,   XXXX   corrected the record to reflect a 100 % on time payment record, while TransUnion did not.       XX/XX/XXXX   I again disputed the record via TransUnion 's web site claiming that I never received a  Dispute Resolution Email  the first time reported and that this is still incorrect.       XX/XX/XXXX   No response received from TransUnion, but again, my   XXXX    score dropped  XXXX  points to  XXXX  from  XXXX  the only change bein g a 30-59 day  delinquent charge, coincidental with the dispute of TransUnion 's report.       XX/XX/XXXX  to date,  no response from TransUnion regarding my any of my efforts to dispute and correct this report.     The TransUnion score and the  XXXX  score which they provide affects my access to loans for which I qualify and could affect my auto insurance rates, among others, of which  I may no t be aware.

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 05/27/2016 about Debt collection (Medical) with Valley Credit Service, Inc. (OR) (OR).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: It has came to my attention that someone other than myself called Valley Credit Services and was given information as to my debts and current garnishment. The caller was told the call was recorded. 
Therefor, I am requesting, in writing, that a copy of the transcript of the call that took place on XXXX/XXXX/2016 at aprox XXXX between an acquaintance of mine and XXXX the debt collector regarding my account be emailed to me.

Company response to consumer: Untimely response
Consumer complaint received 07/27/2017 about Debt collection (Other debt) with EQUIFAX, INC. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Equifax has reinserted a previously deleted account ( XXXX XXXX XXXX ). I 've attached the information to this complaint. According to the FCRA : Section 611 ( a ) ( 5 ) ( B ) of the FCRA clearly outlines the rules regarding the reinsertion of negative information that had been removed in response to a customer dispute. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.26 ( ii ) Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.27

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I sent XXXX a debt collectors validation letter accordingly to the FDCPA they have 30 days to validate the debt. That was not done and Equifax as not removed the debt off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Trouble during payment process

Complaint: XXXX. It seemed there were reversals that were done to correct errors re : posting of extra principal payments towards future payments beginning year XXXX. The previous account activity pulled from the XXXX XXXX showed XXXX {$500.00} payments with trancode XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and appeared on several account activity reports provided to me. They only reversed back XXXX {$500.00} payments on the Account Activity report that was manually prepared and provided on XXXX/XXXX/XXXX pages XXXX and XXXX. On XXXX/XXXX/XXXX - XXXX XXXX of XXXX - shows XXXX - {$500.00} reversals for timeframe XXXX to XXXX due date total {$1500.00}. The FAX regarding this inquiry and missing reposting of my payment was ignored. Previous Account Activity XXXX/XXXX/XXXX mailed to me and XXXX printed from Wells Fargo Bank XXXX also showed the XXXX {$500.00} payments for XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. This would explain why my balance did not go down it would after paying the {$500.00} extra principal. What happened to the other {$500.00} payment? NO response received regarding this.

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 02-12-2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (PA).
Issue: Money was not available when promised

Complaint: I received a payment in the form of a gift via PayPal. Shortly after, PayPal limited my account, without an option to appeal, without notice or reasoning. With that being said, my payment or {$1000.00} is now being held, for 180 days, which is an extreme abuse of power and policy. I did nothing to violate there terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There was confusion on why a collection agency reporting to my credit report that I had an account in default as I had no knowledge of any account of the sort and the location of the collection agency was in a state that seemed like it was not related to me either. Anyhow I opened an inspection into the collection agency through the cfpb which allowed for the collection agency to look further into my case and they found that I had indeed not been notified by the hospital of what was a special deductible/co-pay for a XXXX. I did n't realize that this deductible was separate from my normal medical deductible which had already been covered for the year from a separate XXXX. As a result of this reinvestigation on the Collection Agency 's Part explained to me what the charges were and why I had not been informed about them. They also offered me a " one-time special offer, '' as they put it, this offer as they explained would remove any mention of the account going to the collection agency from my credit files and it would resolve in full all claims by the hospital in question. They said that they would be willing to discount the amount that I would need to pay by XXXX %. I took them up on their offer and their word that it would not appear on my credit report. It now appears on my credit report as settled legally for less than the full amount and it has it under the collection agency 's name as the creditor claiming this fact.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (Private student loan debt) with DISCOVER BANK (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX XXXX sold Loan 20 to Discover bank ( loan number XXXX ) also known and reported on my credit as XXXX - in XX/XX/XXXX. This private student loan was charged off in XX/XX/XXXX by  XXXX XXXX. XXXX XXXX has been the collection agency on this loan : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX The statute of limitation for this debt to remain on my credit in the State of XXXX is XXXX years. I XXXX school XX/XX/XXXX. I did not make payment to this loan and it was first defaulted on XX/XX/XXXX. This loan should have been removed XXXX XXXX. Discover has been fraudulently trying to collect on this loan through XX/XX/XXXX, XXXX and discover bank. This loan appears on my credit report monthly as a defaulted negative loan to date. If the statue according to XXXX XXXX, which stated 7.5 years- this loan should have been removed from my credit as of XX/XX/XXXX. Discover bank stated that a payment was last made XX/XX/XXXX- which would mean under the State of limitation in the state of Florida which the loan was originated and which I reside- this loan should have been removed XX/XX/XXXX. It is still being reported negativity reflecting on my credit adversely. Serving as a detriment to getting further credit approvals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2016 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Other fee

Complaint: I had a XXXX Rewards Credit Card issued by XXXX XXXX. I used the card for business travel between XXXX, XXXX and XXXX for XX/XX/XXXX. This card had no annual fee that I was aware of. I XXXX XX/XX/XXXX, and had no more use for the card. I did n't cancel the card right away because I had unused Rewards points on the card. XX/XX/XXXX, XXXX sent out a notice that they were changing credit card companies, from XXXX XXXX to Barclays. I took little note of it because I was not using the card and had no balance on the XXXX XXXX card. I received a new Barclay credit card in the mail but did not activate it. Around XX/XX/XXXX I received a XXXX balance statement from jetBlueCard. It showed interest rates charged, but I found no note of an annual fee. Around XX/XX/XXXX, I received a bill from XXXX for a {$40.00} annual fee. I wrote a certified letter to XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX, advising that I have not activated the card and did not see any notice that the card carried an annual fee. I asked the company to rescind the fee, cancel the account and remove it from my credit report. I never got a response from the company. They continue to send me a bill for the annual fee of {$40.00}, and have now added interest and a late charge of {$27.00}. I did n't ask for this card ; It never activated this card ; hence, I never agreed to use it. XXXX XXXX has no right to simply send me a card, activate it, and begin billing me for possession of the card.

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 08/14/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Billing disputes

Complaint: I ordered XXXX XXXX ounces of patriott power greens from XXXX around XXXX, received the product and got billed for {$58.00} on XXXX XXXX, 2016 and this was a plain one time order and no monthly automatic order was mentioned or talked about.received another merchandise on XXXX XXXX and got billed on XXXX XXXX. I immediately returned the product at the post office, return to sender process.Called the company and cancelled any incoming order. I received a credit on XX/XX/2016 for {$58.00} towards the charge for the XX/XX/2016..Then on XXXX XXXX, 2016, the company sent me another merchandise and got billed for $ XXXX.I then returned the product thru the post office return to sender system.Then i received a {$58.00} credit on XX/XX/XXXX for the purchase on XX/XX/XXXX.Then Capital one rebilled me for {$58.00} on XXXX XXXX, 2016 for the XX/XX/2016 which was credited on XX/XX/2016.Then on XX/XX/2016, Capital one rebilled me for {$58.00} against the credit of {$58.00} on XX/XX/XXXX.In summary, I kept XXXX XXXX ounces of their product, returned XXXX of products that wasnt ordered, then Capital one rebilled me {$58.00} XXXX times..total of {$110.00} hard earned dollars ... ... Their information ... phone number XXXX Patriot HealthAlliance ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-10-2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (MN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: STELLAR RECOVERY INC ; has not posted a debt for XXXX $ as a new collection item to my credit report three times on : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I called to inquire why they are submitting as new collection items each time having to figure out what the XXXX $ was on my own as I did not receive any form of communication from Stellar Recovery in any shape of written, phone or electronic. They were exceedingly verbally abusive and was transferred to an auto voice giving me an email to write to them about my " concern. '' I called a second time and finally talked to someone who only said they will look into this but it is their policy to report at least once a week, in essence resetting the collection date to re-age the account and force the person to pay to avoid more credit damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Problems when you are unable to pay

Complaint: I am extremely and severely being harassed by this bank. I had my car towed away 3 times. I feel this is racism. Today XX/XX/2016 my car was towed and I was in shock. I ca n't believe it .Me and my kids are in shock. I looked maybe I 'm made a mistake. I checked my bank account XX/XX/2016 XXXX paid,XX/XX/2016 XXXX paid,XX/XX/2016 XXXX paid,XX/XX/2016 XXXX,XX/XX/2016 XXXX paid. The bank is being paid. The first time my account had a fraud company deducting money out of my account, my checking account took too long to refund my money. They towed my car in 1 day to New Jersey I had to hire an international car service to get my car back. that was when I received my independent foreclosure for {$6000.00}. Anothrer time they took my car in 1 day to 2 hour drive upstate. Every time they tow my car it is 2 or 3 three days from my payday. I get paid {$55000.00} to {$60000.00} a year.I get a raise every year. And every year I can take a pension loan for $ XXXX.There is some extreme jelousy going on. my statement on line has {$2300.00} in tow and repossession fees and it says Recent payment XXXX 0n XX/XX/2016 and payment due XX/XX/2016 XXXX It stays on my credit report. my loan is reducing now down to {$12000.00}. I 'm trying to retire in 2 years and buy a home not be harassed and have my credit ruined by this bank. 2 years ago a female texted me I complained and my car got towed away. it seemed like I 'm begging for my car.I 'm in fear I keep their checks being paid out of my account because the pull 2 times 4 days and 8 days. they are always paid and i 'm charged {$30.00} fees. I fell on XX/XX/2016 I have a few XXXX. My XXXX is on it 's way.i just made payments.My kids and grandkid ca n't get to work or school.I still ca n't believe my car is gone.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: When I reviewing my credit card statement I found transaction on XX/XX/XXXX for XXXX XXXX it was $ {$1200.00}. I did not made this transaction and my XXXX account is blocked before that date and I did not use it. 
I filed a fraud claim on XX/XX/XXXX to bank of america and they return the amount to my credit card account on XX/XX/XXXX. 
But on XX/XX/XXXX the charge me again XXXX I called bank of america again they told me that the items were shipped to my address but I did not receive any thing. He told me that I can active that claim again.I answered ( Yes please ) but the amount still in my statement. 
I received a letter from bank of america on XX/XX/XXXX that they were unable to assist and the decision has not changed. 

I did not made this transaction. 
As I know I should be not liable for this transaction. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/25/2016 about Consumer Loan (Installment loan) with M&T BANK CORPORATION (NY).
Issue: Managing the loan or lease

Complaint: I never received a statement for a payment, when notified I immediately made a payment by phone. Upon completion of making the payment the representive demanded my insurance companies name even after I declined to provide. I was advised my husbands place of employment was called twice in XXXX day via auto dialer reading the mini XXXX via recording to his employer. This call was placed prior to the call on his cell that we answered on the first call from the auto dialer. After I requested a cease and desist and made the payment, both my husband and I received a call with in 20 minutes regarding the account. I was denied copies of the original statements and was denied by XXXX associates to speak with a member of their compliance team.

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 07-03-2017 about Mortgage (Conventional home mortgage) with FCI Lender Services Inc. (OH).
Issue: Trouble during payment process

Complaint: I would like you to please take a look at my case. In the past 5 years my mortgage has been sold to another company 10 times. Since XXXX XXXX   has taken over my mortgage every time I made a payment the total amount owed went up. They were charging me {$3200.00} for my property taxes. My taxes were only {$2400.00}. They were charging me {$2400.00} for my insurance, and my insurance was only {$1800.00}. I have been disputing with them since they took the note that there was an issue with how much I owed. They refused to try anything to get things resolved. The employee was very rude, called me and " XXXX '' and told me I did not know how to read my own taxes and insurance because banks do not make mistakes. I have never missed a payment, paid two extra payments in the last 15 months prior to our foreclosure. I was told I owed {$5000.00} in back payments but I provided documents for proof that those payments were paid. The employee told me that she would " show '' me and put me into foreclosure. I hired a attorney and they made a payment arrange for my so called missed payments. XX/XX/XXXX the bank started refusing payments, and started a foreclosure. We managed to stop the foreclosure. By them refusing my payments they skipped all the foreclosure paperwork and the courts and put my house up for sheriffs sale. My attorney stopped the sheriffs sale. Since then the bank has been to my house twice to get me to sign a loan modification. I denied them and told them to speak to my attorney. We have a court date on XX/XX/XXXX, but being that our attorney will be out of town that whole week, he is rescheduling. How is it right that I am overcharged, then refused to take my payments, put me and my wife through harassment and stress issues with fear of loosing our house when they do not even have a signed loan document from me. They are going back to XX/XX/XXXX trying to say that I owe the same amount now. I have every single document and payment papers to prove everything has been paid. My attorney has these documents and has proven it to them many times. They are stating that they are still paying taxes and insurance for the past two years even though I pay them on my own. I have all the documented proof that I pay my taxes and insurance on my own. I really need this resolved. Thank you very much for your time and consideration! Please contact me with any questions or clarification. Contact XXXX XXXX at XXXX XXXX  XXXX, XXXX. ( XXXX ) for any documents. Again thank you very much!

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 04/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Enhanced Recovery has XXXX filed a collection account against my credit reports for a bill to XXXX that I do not owe. The collection was originally placed last week. I verified with XXXX that the debt is not owed and Enhanced Recovery removed the collection. Today, Enhanced Recovery placed the collection back on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2015 about Credit card () with PAYPAL HOLDINGS INC. (PA).
Issue: Closing/Cancelling account

Complaint: PayPal Credit ( dba BillMeLater ) refuses to post refund from XXXX to my account in a timely manner, claiming it take XXXX weeks to process. They further refuse to provide on-line access so that I can check on the status without using their call centers. They are continuing to apply late fees and interest to an item that was refunded and close the account. I believe that this company is engaged in deceptive and fraudulent practices.

Company response to consumer: Closed with monetary relief