milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: TransUnion XXXX XXXX XXXX Why is an error still reporting on my credit file? I have sent over many certified letters only to have a computer investigate continuously. 

I am sending this message in regards to the error that was n't removed off my credit file. This has been a problem for months and I have contacted my lawyer about this situation. You will be receiving an affidavit to appear in court and why. I have given you enough time to fix this error and the investigation but it seems that you guys insist on keep this error on my file credit. I can name more several Sections in the FCRA that you have broken according to FCRA. I never signed up for an apartment so i am not clear to what is going on or who placed this account on my report so I 'm filing two different lawsuits on TransUnion and 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 10-12-2017 about Debt collection (Other debt) with ECMC Group, Inc. (IN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: This company put a tax levy on my checking account. Which the bank took {$150.00} legal fee out of my account, which cauesed a overdraft. which cost me another {$29.00}. XXXX XXXX of XXXX XXXX XXXX, works for the state on Indiana. when i called them to try to arrange, some kind of payment plan, They where unwilling to cooperate.They told me i had to pay {$1100.00} up front then 11 payments to pay the rest off. The only money i get, is social security amount {$1500.00} a month. My rent and my prescriptions food car ins total. {$1200.00} that leaves a little over {$300.00}, for the rest of the month. there is no compromise with these people. I tried a couple of years ago but to the same result. there way or no way. oh that money they made the bank take was exempt funds social security.

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 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX paid XXXX XXXX XXXX credit card # XXXX settlement amount in full in the amount of {$750.00}, payment confirmation # is XXXX. The payment in the amount of {$750.00} was paid to the collection agency that XXXX XXXX XXXX hired who is XXXX XXXX XXXX-XXXX-XXXX. XXXX XXXX and XXXX XXXX XXXX both have informed me that credit card # XXXX for XXXX XXXX last 4 of social security number : XXXX shows a XXXX balance. I informed them that on all three credit reports the account with XXXX XXXX XXXX and XXXX are still showing unpaid and delinquent. All I am asking is for XXXX XXXX and XXXX XXXX XXXX correct my credit report as paid and remove all negative collection 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 explanation
Consumer complaint received 04/27/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I had a bill with XXXX XXXX in which was paid. I submitted my paperwork showing this judgement was paid and for some reason XXXX or Equifax did not remove this off my credit report and wont allow me to dispute it. I just recently went through the cfpb to help me with XXXX and It was just recently removed off my experian but now I see it popped up on my XXXX and Equifax. Why??? why are these companies giving me such a hard time taking it off my credit report.Once again I contacted XXXX district court in Michigan in which they stated the same thing I had to reach out to XXXX XXXX and Equifax as I did experian to have it removed because XXXX district never put it on my credit report. I reached out to both companies and was told to call the XXXX number for each company why?? they wont give me a reason. Like I explained before in the previous dispute I 'm just trying to buy a home and this public record is really a hurting factor on my credit report. The judgement was satisfied and the courts did n't put it on my credit report so why do I have to suffer when all I 'm trying to do is maintain a good credit score and purchase a home for my family to live in. XXXX and Equifax need to remove this off my report its unfair & XXXX it really is. Once again I also called XXXX XXXX in which the representative suggested I contact cfpb. All I want is for this public record to come off my account its unfair that this is holding me back from obtaining a financial loan. The courts acknowledged they did n't put this on my credit report so why is it so hard to dispute it. Please I need this off my transunion and my equifax report why would it show up after it was taken off my XXXX? Can you please help me with this situation attached I will submit the information for the satisfied judgment. 

Regards XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/18/2016 about Credit card () with Experian Information Solutions Inc. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: my personal information was used to obtain XXXX platinum card, the card was never issued. I contacted both XXXX as well as Experian credit reporting agency to delete the credit inquiery from my Experian file but so far nothing has been done, I also forwarded Experian with the police report but no action has been taken by Experian to remove the inquiery from my credit file.

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 05/29/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Other

Complaint: I spoke with a company called XXXX and explained that I could n't afford to make a payment on my Capitol one account that day but I would call back on XXXX/XXXX/16 and set up payment arrangements on the account. I am not sure of the date that I spoke to them about the payments but I believe it was around XXXX/XXXX/2016. 
Today I recieved a phone call from a relative that I have n't spoken to for two years saying she spoke to someone from the same company who told her that I was in default on my Capitol one credit card. They gave her my balance, told her that they spoke with me about my account and that I told them I would call back to make payment arrangements and never called them back. They gave her a date that they spoke with me and everything!! Now that relative has told my whole family that I can not pay my bills and is dragging my name through the mud. I called XXXX agency and spoke with a manager named XXXX and he told me he would look into listening to the call and apologized for what happened. After speaking to him I decided to call back and make a request to hear the call, and XXXX stated that he did n't believe there was a way to do that. I have contacted my lawyer because I believe my FDCPA rights have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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 am filing this request because Transunion as ignored my request to provide me with the documents that their company as on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified. '' Please resolve this manner as soon as possible. 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 explanation
Consumer complaint received 10/14/2017 about Debt collection (Other debt) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I sent 2 certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section. 

2. Failed to provide copy of the original contact bearing my signature. 

This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item. 

Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Payoff process

Complaint: In XXXX, I got an XXXX XXXX, COSTCO branded credit card that I used extensively and with no problems, no late payments, always paid my balance in full each month. COSTCO transferred that card to Citi in the spring of XXXX and my XXXX card was cancelled and I received a Citi VISA card. This was quite an annoyance since I had over a dozen automatic accounts on the Internet and elsewhere that referenced my now-defunct XXXX credit card. Later that XXXX, a merchant issued a credit for over {$4000.00} to my defunct XXXX card that was sent to Citi, I decided to use that Citi card extensively to " spend '' that large credit. Then on XXXX XXXX, I paid the balance on my Citi card, completely with a {$250.00} payment using an ACH withdrawal and auto payment from my XXXX XXXX bank account. My intent was to use another XXXX XXXX credit card account and terminate the Citi card. In error, on XXXX XXXX I sent an ACH payment of {$2500.00} to my old, now defunct XXXX account instead on my new XXXX account and that was automatically routed to Citi! I discovered this error a few days later when I received an email from XXXX noting a missed payment and assessing my with interest and late fee penalties.I immediately called Citi and XXXX to notify them of the error- I asked that my Citi overpayment be refunded and sent another check for {$2500.00} to XXXX. 
A few days later, another merchant applied a credit of over {$5000.00} to my defunct XXXX account- and it to was transferred to the Citi account creating a credit of over {$7800.00}. I called Citi again on XXXX XXXX requesting that I be issued a check or a direct deposit for that balance and I was told that it would be done- in 3-5 days over a recorded line. 
On XXXX XXXX, I called again and made quite a fuss to a sequence of Citi employees over a recorded line. In essence, I was told that the " 3-5 '' days was the time to issue a check AFTER an investigation was completed and that there was no timeframe for that- it could be YEARS! I even had my bank on o conference call where they confirmed that the {$2500.00} was in fact paid on XXXX XXXX to a Citi supervisor. I asked them to issue a check, and call me when the matter was resolved. As of this moment, I have heard nothing.

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 Vehicle loan or lease (Loan) with American Credit Acceptance, LLC (NC).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: On Monday, XX/XX/XXXX American Credit Acceptance received 2 packages for the payoff of two cars a XXXX XXXX andXXXX XXXX. On XXXX/XXXX/XXXX I reviewed the account to see that the XXXX XXXX and had been processed as paid off and not the XXXX. 

On Thursday afternoon I called again to see the issue with the XXXX not being payoff and was told they could NOT FIND THE CHECK. American Credit Acceptance clearly does not follow proper lockbox procedures. I provided them the tracking number for the XXXX payoff check, the dollar amount {$27000.00} and the records that they signed for the check on XXXX/XXXX/XXXX at XXXX XXXX and they still tell me as of today they can not find the check. The account number XXXX was also placed on the check.

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 02-11-2018 about Debt collection (Other debt) with Perfection Collection (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I check my credit report every month for accuracy. In XX/XX/XXXX there was a new item from a collection agency attached to XXXX XXXX XXXX for {$1700.00}. We had just recently installed our first system with them and were current on our bill so I knew this was an error. I called XXXX  and they said it was at an address in our neighborhood under my name. I filled out a fraud report for them and returned it within a day. I heard nothing for a month and called them to find out they had turned it over to another company, XXXX. I called XXXX  and they didn't have the file. I started the whole process over again which includes having papers notarized. In XX/XX/XXXX still nothing else had been done. I got a copy of the original contract with the installation address and attached the county records for this address with the owners name. The system had been installed XX/XX/XXXX and they had moved in on XX/XX/XXXX. I attached our records also proving we had lived here since XX/XX/XXXX. No response yet. I called yesterday and still nothing. I made a dispute with XXXX and they decided to add the fraudulent address to my credit report and are sending information to it now! We signed up for XXXX service in XX/XX/XXXX. Strange we never received a phone call, letter or bill on this account until we signed up for their service. They say my name is on the contract. I am sending a copy of the contract and the two county forms I sent to them.Hopefully you can straighten this out as they seem totally unable to help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax Data Breach ; Equifax said to go to their site to find out if you have been involved with data breach, that is all. By entering my name and the last six digits of my SSN, Equifax now claims in small print Terms of Use on website that I have lost my legal rights by arbitration clause. This has been reported by the XXXX XXXX. 

This is patently dishonest and deceptive, a troll and a trap ; of course you want to see if you are exposed but the terms are hidden in small legalese ; but the idea you give up your rights to find out if Equifax messed up with your personal information is a Catch-22.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (VA).
Issue: Application, originator, mortgage broker

Complaint: My mortgage Application was canceled. I started this process in XX/XX/XXXX and licked my interest rate in at 2.875. The canceled my application because they said they requested updated documents in XX/XX/XXXX that had to be uploaded by XX/XX/XXXX. I never received any emails or mail requesting documents. I uploaded them on XX/XX/XXXX because I had retained an attorney for a title issue and thought something was going to get done but this was not a request by BBT. I have requested proof because there is no way I would let that rate slip by since the new 15 year with BBT is 3.5 %. I had agreed to extend the rate lock until XX/XX/XXXX and have the document proving that. I was having trouble with the appraisal, I had that completed in XX/XX/XXXX and submitted a ROV on XX/XX/XXXX. They sent it to the appraiser one month later and they did not reply to his request. I have all the documents to prove this. This is an unfair and deceptive situation. It seems like the right hand does not know what the left hand is doing there. This could be tens of thousand in interest and this only benefits them since now I have to apply at a time when rates a severely increased.

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 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CarMax, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have sent letters out multiple times and nothing has been done to address my issues. 
I have not received any correspondence from the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: Macy 's American Express credit card is reluctant to credit Macy 's Worrynomore voucher in the amount of {$220.00}. The voucher was issued on XXXX/XXXX/15 by Macy 's as reimbursement for not using the furniture protection plan and has to be used only towards the purchase of furniture, it expires in 90 days from the issue date. I purchased the furniture from Macy 's over the phone and was told that the voucher would be credited before the XXXX statement. As per worrynomore program, the voucher was redeemed on XXXX/XXXX/15, but never credited to my account. The furniture was delovered on XXXX/XXXX/15. I called Macy 's worrynomore program and credit card customer service multiple times since the purchase in attempt to get the voucher credited towards the purchase, I also filled out the dispute of charge form. I was told to fax the voucher to Macy 's, and I did so to several different numbers provided by different customer service reps ; but no result. The reps refuse to provide their names or ID numbers, and refuse to connect to supervisors. Last time I was tols it takes 30 days to process the voucher, but today is over this limit, and the credit not applied. It seems to me that the Macy 's worrynomore is a consumer scam to inflate the furniture price and to trick into purchasing " refundable '' protection plan. 
The Macy 's customer service never responded to my multiple e-mails. 
Every phone call takes no less than XXXX min ; I have no choice but to request your help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Debt collection (Other debt) with CONTRACT CALLERS INC (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a notice in regards to a debt that was sold/transferred from  XXXX   XXXX  to  CCI C ontract Callers Inc, I called within the required time to advise that I am disputing this debt and was told by a  XXXX   XXXX  that they have up to 30 days to send me information regarding this debt as it will affect my credit. I advised the that I do not need anything negative on my credit as I am purchasing a home and again dispute this debt. I spoke with the representative on  XXXX / XXXX /  XXXX   @  XXXX   XXXX . I received a credit alert this morning advising that my score is now adversely affected and the company that has placed a collections account and dropping my   XXXX   score  XXXX  points  XXXX . Either this company sold this account not wanting to deal with a dispute or  XXXX  is their parent company. They need to remove this negative item from my credit report and legally follow the processes in place for disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Mortgage (VA mortgage) with Supreme Lending (TX).
Issue: Application, originator, mortgage broker

Complaint: Property Tax on my Closing Disclosure and TILA vs actual Property Tax were grossly under valued by XXXX %.

Company response to consumer: Closed with explanation