milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: On X/XX/2017, I went on to https : //www.transunion.com/ to find a means to access my TransUnion credit report . I was prompted to create an user account on https : //www.transunion.com/. I was notified through email that I had signed up for a credit monitoring service for {$19.00} per month excluding taxes. In total, I was charged {$21.00} per month including taxes. During the account creation process, no mention of signing up for the credit monitoring service was made. Upon finding out this erroneous charge, I looked to cancel the credit monitoring service. I was able to cancel the subscription service within minutes. However, I was still billed {$21.00}. I am seeking a full refund for this fraudulent charge of {$21.00} and will be writing to my state 's Attorney General 's office about TransUnion 's misleading and predatory account creation process.

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 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I had an item posted on my credit report from XXXX of Illinois, XXXX XXXX XXXX XXXX, that reported negative on my account. I have since satisfied the account as PAID and have attached a copy of the paid notice. This item is reflecting negative on my Equifax, XXXX and XXXX when I have paid account and the account is now closed. Spoke with representative who stated information should update and reflect on my credit report but it has been over 120 days and no reflection of paid status and removal.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Nationwide Arbitration Services LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Received a phone call stating some lawyers had bought my debt and those lawyers were suing me, garnishing my wages, suspending my driver 's license, and taking possession of all my property. 

They also contacted my Mom before me. They stated I could resolve this by getting {$3500.00} to them immediately. Luckily, I could n't find anyone with that money. I called back stating that I do not have that money. They did call back stating they have found a way to help, but I have n't called back yet. 

I did contact the original company where I took out the loan to work out a payment plan. 

I would like to know how they got all of my information ... including my Mom 's phone number.

Company response to consumer: Untimely response
Consumer complaint received 04-12-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BMO HARRIS BANK NATIONAL ASSOCIATION (GA).
Issue: Application, originator, mortgage broker

Complaint: I submitted a mortgage application with a mortgage banker, XXXX XXXX, who works at the XXXX XXXX Branch of BMO Harris Bank ( XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ). He mishandled the application so badly that we would have been unable to close on our home at the already agreed upon date. As a result, we withdrew the application and secured a mortgage through another bank. The current issue I have is that XXXX XXXX and BMO Harris Bank ( including his supervisor, XXXX XXXX, and the branch manager, XXXX XXXX ) refuse to return my {$490.00} application deposit. As unprofessionally as my application was handled, at this point, I simply want my money back.

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 01/19/2018 about Debt collection (Other debt) with I.C. System, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Never lived at the address where service was billed was not my account

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 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have an inaccurate status on my credit report. I have tried disputing it several times with no prevail. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting my case 180 days past due. The problem is, I have not missed a payment in almost 2 years. The problem is with experian, and XXXX XXXX XXXX  XXXX XXXX XXXX. My job directly takes the monthly obligation out of my paycheck every two weeks per court judgement that was mailed to them when i first started working there. This is directly effecting my credit score and giving me a bad name.

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 03-02-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have been unemployed from my job since XXXX XXXX, 2015 and I sent in Documentation to Navient indicating that I was let go from my job because they laid us off. NAVIENT gave me a two month deferment. SO recently I sent them a fax for an unployment request and they denied me. So unfair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-12-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have an erroneous Collection item that has been reported to Equifax and XXXX and I have disputed the item with both credit bureaus and the entity who reported the item. Only XXXX has made the correction and the item was removed from my credit report. Equifax still is allowing the derogatory item to stay on my credit report with them. The debt is not my debt and is part of identity theft, which is why I have placed a fraud alert on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This was for new service. The equipment was all returned within days of activation. The service is not supported in the area I live in - and that was not disclosed when I applied for service. I attempted to explain that to the debt collector but, they continued to call and explain I had to pay the debt.

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 11/16/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: This issue with Bank of America and XXXX. 

On XX/XX/XXXX and XX/XX/XXXX transactions were made in error via XXXX to the wrong person. 

BOA and XXXX were contacted on XX/XX/XXXX about the error. Both pointed at each other about how to resolve. On XX/XX/XXXXspoke with an agent in the Move Money Dept of Bank of America. Who provided me a claim # and stated it would take 10 days to investigate. On multiple occasions, I have contacted the bank of the error and no one has a process to rectified a human error. I received confirmation today that they are closing the claim and not issuing my funds back into my account. I have email confirmation that this was done in error.

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 09/16/2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (DC).
Issue: Loan servicing, payments, escrow account

Complaint: PennyMac adds new costs and requirements to the loan at will. When questioned, they say they will fix the matter, but it is not fixed. They have bullied my family regarding increased payments, addition of escrow items including both insurance and property tax, both of which I have paid out of pocket for years. I had finally gotten them to remove the insurance item last year XXXX XXXX. My Insurance company went to great lengths to make this happen. But several months later, they had added another escrow item ( property tax ) to the mortgage with demands that I pay. They are now threatening foreclosure on a loan that has never had a missed payments, nor late payment. I spent hours on the phone with their escrow department in XXXX XXXX, and it was going to take the better part of a week to fix the escrow issue. I was advised to make an extra payment to ensure that I was not foreclosed on while waiting on this escrow fix. Well they got the extra payment out of me, adjusted my payment up. And the foreclosure notices continue to arrive. I am not happy with a company holding our mortgage making indiscriminate changes to the amounts to be billed each month. It is truly a travesty. It is defintely immoral and probably illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have repeatedly asked for proof that the debt belonged to me via certified mail. They can not provide me the information requested and refuse to remove the item from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit card () with CITIBANK, N.A. (PA).
Issue: Unsolicited issuance of credit card

Complaint: Costco sold their XXXX XXXX credit card to Citibank. We did not want a Citibank card so we changed our XXXX XXXX card to a different account. We did not request or authorize Citibank to issue us a card or account but apparently they did it any way. We never received the cards. Instead we received a bill for an unauthorized charge by XXXX auto club. We noted that XXXX also sent an unauthorized charge to our XXXX XXXX. We contacted XXXX, they refunded their charge to our XXXX XXXX. We contacted Citibank about the duplicate charge and they investigated and agreed that it was a duplicate unauthorized charge. After multiple and multiple phone calls, Citibank still has not removed the duplicate charge. We assumed that it was taken care of when statements stopped coming, but now suddenly a statement comes in the mail after months of not being received in the mail telling us that the account is past due with absurd late charges. WE DID NOT REQUEST A CITIBANK CREDIT CARD AND DID NOT AUTHORIZE XXXX TO MAKE A CHARGE TO THE ACCOUNT. WE NEVER RECEIVED THE CARDS AND NEVER HAVE USED THE ACCOUNT. CITIBANK WAS TOLD TO CLOSE THE ACCOUNT AND REMOVE THE DUPLICATE CHARGE ON MULIPLE OCCASIONS, BUT THIS HAS NOT BEEN DONE. NOW OUR CREDIT REPORT IS SHOWING LATE PAYMENTS FOR AN ACCOUNT AND CHARGE THAT WAS NEVER AUTHORIZED OR USED.

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 06/23/2017 about Debt collection (Auto debt) with MAS Financial Services, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company calls at least 3 times a day, once at XXXX ( almost XXXX! ) to collect a payment and when we try to call them at the number they provided in the voicemails, they do not answer. We do n't know how else to tell them to stop sending so many calls a day and how to tell them when their payment will be received.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Midland Funding has been on my file since 2013. I asked several times to show proof of the debt and the company keeps sending me a bill. The problem is Midland Credit debt has been removed off my credit twice, which last week it was removed again now they have placed it back on my credit. The origin creditor which is XXXX is also reporting at the same time for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (AE).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I just received a phone call from a woman who claims to be a representative from Santander Consumer in reference to a loan where the property was repossessed and re-sold to another party. The caller told me that they could cut me a " side deal '' to where I would only pay half of the debt owed and the other party would be responsible for what was left. When I refused and stated to her that the whole thing do not sound right she ( the representative ) began going into a tirade about how she 's going to offer the other person the deal if I did n't take it and that she was going to put the debt into collections and ruin my credit. She also stated that the company would attempt to take me to court for the balance due. This company first contacted me back in XXXX and I expressed to them then to no longer call me and to deal with the former owner of the vehicle. They called a few times in XXXX and instead of leaving messages they just hung up. They would also hang up when I answered. They stopped for a while and had started back calling in XXXX XXXX. When I would answer they would hang up. They would not leave a voicemail when I did n't answer. Today on XXXX XXXX XXXX at XXXX Arizona time, XXXX XXXX time ( where I currently reside ) they called me and I answered the phone and that 's when the woman on the other end began to harass me. The number where the calls are originating from is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I submitted documentation to recertify for  my IBR plan. FedLoan cal culated it incorrectly for the 2nd year in a row. I file a joint return with my wife, and we both have federal loans. It should be calculated as a total amount which we both pay a proportion of. Both years, they correctly calculated the payment for one of us, then calculated the payment for the 2nd person as what should be the combined total. For instance, this year our income went up by about 10  % ( from {$170.00} to {$180.00} ). My wif e 's payment went up by  10 %. Mine was increased by about 30 % ( from {$540.00} to {$840.00} ), to w hat should be the total combined payment for both of us ( {$840 .00} ). I tried to email Fedloan about this (   XXXX   XXXX  ), and got an email saying they were processing my email ... then a few minutes later received a form email directing me to their FAQs and saying I would not be able to get a response from them via email. This is a major issue that needs to be addressed - you ca n't say that you can be contacted via email and then not actually have a way to have an issue resolved via email.     I was able to call and have it resolved after I spoke to a customer service agent. However, my bigger concern is that if this has h appened to me two years in a row, I 'm probably not the only person affected, and other peopl e may be overpaying ( especially if it is incorrectly calculated the first time they certify and they do n't have any point of reference for an appropriate payment ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2016 about Debt collection (Medical) with Centron Services (MT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have received a judgment against me for multiple accounts in collections from medical bills from a non profit hospital over the course of 5 years. At the times several of these services were provided, I had received a statement of financial charity from the non profit hospital releasing me from financial obligation for these services. These accounts are not only listed on this judgment but on my credit reports as well. In addition to the accounts that were forgiven, there are other accounts listed both on the judgment and on my credit reports for accounts that have been paid on, with receipts I still have showing the accounts have been paid. On XX/XX/XXXX, I received my paycheck from my employer and discovered a wage garnishment. I had no prior knowledge of this garnishment, or who to contact regarding any type of exemption or garnishment adjustment. I am the sole provider of my family and currently have an arrangement with another collection agency regarding a debt incurred by my husband. Between the surprise garnishment and the payment plan I had previously entered, my total wages taken from each month equal my rent and almost half of my income. This has created a significant hardship for my family and I do not have any contact information for the creditor who has taken legal action against me from a non profit hospital in the attempt that I could make an arrangement that would not force me to levy my other bills and obligations in order to satisfy one I have already paid and other debts that had previously been forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a difficult time paying online. The people at this company acted so unprofessional and unhelpful. I spent hours talking with different people and no one could even verify that I had previously called. My payment ended up being late and extra charges were uncured. They hung up on me. They promised to call me back and never did.

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 12/19/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Back on XXXX XXXX, XXXX, I filed a complaint against my bank, JP Morgan Chase, for failure to manage my funds properly. I assume my complaint was rightfully founded as a week later Chase refunded overdraft fees I incurred on my account. 

On XXXX XXXX, XXXX, I changed the setting on my checking account that concerns overdraft protection. I changed it to " No '', meaning once my account had insufficient funds to fulfill a purchase made with my debit card, the transaction would be cancelled. 

Today is XXXX XXXX, XXXX. My account is overdrawn - {$130.00} with 3 overdraft fees totaling {$100.00}. The last transaction I made was a withdrawal on XXXX where my account balance was {$1.00}. 

I am so exhausted from arguing with Chase about my measly paycheck every two weeks. For the past 6 months, I have been calling, sending messages, etc and all I get is attitude and dismissive tones about how I am somehow at fault for the math being faulty. I plan to take my business elsewhere after the holidays. No matter the balance, my money is my money and should be handled with care by my bank. 

-XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: In the years XXXX there were four cases in which I attempted to file for bankruptcy. The cases were all dismissed. I was having trouble with my husband and property we had together in which it financially draining to me. During that time we attempted to file, but never had the proper paperwork to get it started. It never went to court, a case was never filed. Nothing. Since XXXX I have attempted to write XXXX and have them investigate and have this deleted off my records. After reading the FCRA I found that they were in violation, because they were reporting something inaccurately. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they had no right to maintain information which the government has deemed nonexistent.
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they were obligated to delete this information from my credit report and send me an updated copy when this action is completed. 

I wrote them and made them aware of this information and they blatantly ignored my request. I even provided them documentation that the bankruptcies were dismissed. Again, nothing. They were kind enough to send me a new copy of my report that stated that they would be keeping the bankruptcies on my report. 

I am filing a complaint because they are going against my rights as a consumer.

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 10/23/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have made over XXXX attempts to have the credit bureaus conduct an investigation to remove a couple of fraudulent accounts from my credit report. We have sent over FTC Affidavits and supporting documents and still the accounts are list on my credit reports. I 'm not sure why they 're allowed to get away with this. Their suppose to maintain accuracy on consumers credit reports. Hoping this will get some closure soon. I 'm attaching the Documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I did not receive any notice of this dept if so I would of put my medical insurance information, I 've had medical/iehp since 2009

Company response to consumer: Closed with explanation