milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TransUnion is reporting an account with XXXX XXXX twice and both are showing charged off with a balance. There was only XXXX account and I have spoken to several people at XXXX XXXX about this issue. XXXX XXXX indicated there was just XXXX and there was no balance because it was an account they were given from a different company. The letter that I received from XXXX XXXX and forwarded to all three bureaus shows there is no money owed along with a contact person 's name phone number. I do n't understand why TransUnion continues to report it twice and with a balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/30/2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CMRE. XXXX XXXX. {$150.00} Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (IN).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: JUST LIKE MY WIFE  XXXX   XXXX   XXXX , I MYSELF APPLIED FOR  BARCLAYS  CARD AND WAS DENIED BECAUSE THEY ARE IN AGREEMNET WITH  XXXX . IF THEY CAN NOT GET OUR ELECTRNIC SCORES THEY JUMP TO OTHER BUREAUS W/O PERMISSION.     THIS IS IN VIOLATION DODD-FRANK, F.CA.C.T.A. FACT-ACT ETC.     WE WILL CONTACT OUR ATTORNEYS TO FILE SUIT AGAINST  BARCLAYS  AND   XXXX   FOR THIS ONLINE APPLICATION FRAUD.

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 05/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent out a dispute letter via certified mail to TransUnion on XXXX/XXXX/2015 and received a receipt showing the letter was delivered and received on XXXX/XXXX/2015. It is now XXXX/XXXX/2015 and I have yet to receive any type of response from TransUnion. According to the FCRA all accounts that were disputed must be removed because the accounts could not be verified in that 30 day time frame period. I will include the original dispute letter and certified mail receipt when submitting this complaint. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I asked my bank BBVA COMPASS BANK for a loan modification several ti times and they just say no without allowing me to do an application or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was an  XXXX   XXXX   XXXX  customer for several years before, on their suggestion, I switched to their  XXXX   service ( after th ey had bought  XXXX   ). I kn ew I was moving in around a year, so I vehemently asked and asked about early termination fees, and was told I was n't subject to them because I was already a customer. I was required to pay some of the installation fees over the phone then. When technicians visited my home to perform the install, I once again asked about early termination fees and was not told of any. After they installed the equipment, and after they charged me the final installation fee, they then asked me to sign their agreement on their electronic device. I once again asked about early termination fees, and they said none.     Fast forward a year, I request to close my account because I 'm moving. My bill comes with a {$340.00} early termination fee. I disputed this with  XXXX  and  XXXX   XXXX   XXXX , wrote a letter to their Office of the President, and was finally told they would n't reverse the early termination charge. They even told me they 'd just draft the money from my bank account I had been using for autopay, even if I removed it from my account and after I, in writing, told them they were not authorized to draft from my account. They still tried.     I heard nothing for several months until  XXXX    XXXX   when they handed the account off to Diversified Consultants (  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , FL,  XXXX , (  XXXX  )  XXXX  ) who I never received any statement or letter of debt from, nor any phone calls. I would not have even known this was a " collection account '' if not for checking my bureau.     I do not owe this debt, I have reported it to the FTC for deceptive business practices and my  state AG. I will  be filing a lawsuit against both  XXXX   XXXX   XXXX  and  Diversified Consultants.      *Attached is a certified letter sent to  XXXX   XXXX   Office of the President  .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XX/XX/XXXX I submitted a complaint with my police report showing I have been a victim of identity theft. There were several items taken off of my credit including inquiries that I did not authorize. In XX/XX/XXXX I received notice that XXXX had experienced a data breach and information was compromised. On XX/XX/XXXX and XX/XX/XXXX I pulled my credit report to qualify for a home loan and a account from XXXX XXXX XXXX and several XXXX XXXX and XXXX inquiries were located on my credit report. I have called all 3 credit bureaus as well as XXXX XXXX, XXXX XXXX, and XXXX to resolve this issue. I have faxed over police report and findings and these credit bureaus have refused to remove these derogatory items. I also noticed that I have a inquiry from XXXX XXXX XXXX XXXX which I also did not authorize. There is specifically a note on my account that advises credit cannot be pulled without my authorization and that has not happened. If you take a look at my record these derogatory items keep appearing on my credit report. I truly feel like my right as a consumer under the FCRA have been compromised. Please look into this matter immediately.

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 Debt collection (Credit card debt) with Colony Brands, Inc. (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XX/XX/XXXX , {$35.00} The company gave me a credit limit of {$400.00} I have been using this account from day  one. B ut this is what I have been running into lately. This company says that they have sister companies.   XXXX   XXXX   did the same thing with me. After being approved for credit, then I am told they can not allow me to order anymore because of a bill I had with a sister company in  XXXX . I paid that bill off with  XXXX . Now   XXXX   XXXX   is doing the same thing and I owe them no old account. They are because I owe an old bill with a sister company, even though I pay them before my account is due. They will not release an order for {$35.00} to me. I do not understand their method of business can you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Consumer Loan (Installment loan) with ALLY FINANCIAL INC. (NC).
Issue: Managing the loan or lease

Complaint: In reviewing the fraudulent truth in lending statement from Ally Finance, it appears that the lender was receiving kickbacks on the interest rate. Whomever was paying this enormous payment deserves some sort of restitution as Ally really raked them through the coals. Obviously, they did not pull my credit report because I had a fraud alert and freeze. I am wondering if they pulled anyone 's credit or simply stuck a unreasonable rate. They need to be held accountable. They have gotten away with so many dishonest things it 's ridiculous. The truth in lending states there is gap insurance on this automobile. Why would one need gap insurance on a brand new automobile if it were factory to dealer pricing unless the purchase price were jacked up? I am lucky this is not my loan. But whoever did take this deserves to be compensated because Ally totally charges them a massive rate and doubles the price of the vehicle. Who would agree to pay XXXX for a XXXX? you can have a XXXX for that amount of money. Ally financial are crooks and they better remove their fraudulent account from my report. If it is not fraudulent and if you did not know that, why wo n't you produce the documents. Because you know it is fraud. I never made payments to you and here you have quite an extensive payment history, Your reputation definitely has been earned.

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 07/31/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Specialized Loan Servicing LLC (NC).
Issue: Trouble during payment process

Complaint: The recent response to complaint # XXXX stated in the letter that a copy of note and payment history was attached. We were provided only a letter no other attachments.

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 05-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with TIAA, FSB (IL).
Issue: Settlement process and costs

Complaint: I purchased a home in XXXX 2004, it was a conventional ARM withno income verification or documentation, based on my good credit score. 
I was not able to get a refinance and was to by the servicer of the loanthat I did not qualify for a loan modification after at first telling me that Idid. However, I was later served with foreclosure papers and have beendefending myself in court for the last 3 1/2 years against Everhome Mort.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I applied to switch from one income-based repayment plan to another ( IBR to REPAYE ). I applied to switch to REPAYE as soon as it was made available in XXXX XXXX. My application was not processed for months. It took 6 months for my application to be approved. FedLoan Servicing said there was a backlog because many other customers applied for the new REPAYE program. However, the representatives noted that my wait time for processing was excessive. I have been in Administrative Forbearance during this time, while my interest is accruing on my loans. I have had to make over 20 phone calls to FedLoan Servicing from XXXX XXXX to XXXX XXXX to get switched over to the new REPAYE repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I discovered around XX/XX/XXXX that Navy Federal Credit Union was reporting a Line of Credit loan in the amount of {$12000.00} on my XXXX, XXXX XXXX and XXXX reports that does n't belong to me. The account belongs to my mother, and sister. I never applied for nor co-signed for this loan. I was added to my mother 's account as a joint owner so that I can handle her financial affairs since she has XXXX. I disputed the account and received my XXXX dispute result on XX/XX/XXXX which Navy Federal reported to them that they were reporting it correctly. I called Navy Federal and spoke with the loan department and asked them why they 're reporting this account as if it is mine. They told me that because I 'm a joint owner on my mother 's bank account and have access to the Line of Credit that 's why they 're reporting it. I disagreed and told them this ca n't be legal and that I want it removed. They told me the only way they would remove it is if I dropped myself as a joint owner on the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I no longer want to dispute this account because I am trying to get my insurance company to pay the bill and was told by XXXX at commonwealth that they will not remove the dispute comment until I pay the account in full. I also can not get XXXX to remove the comment because the creditor placed the comment. There are XXXX accounts that need the comment removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am a senior citizen and to make ends meet took a partime job as purchasing manager for XXXX XXXX. They would transfer funds into my Capital One credit card account with a {$5200.00} credit limit. Once the funds cleared, I would purchase items on the CC up to the amount of the transfer. I called Capital One to confirm if the funds had cleared. They advised me that the funds were available. XXXX separate transfers were made about a week apart. I coordinated the purchases for {$9200.00} through the Fraud Dept of Capital One to make sure the CC was not denied. The Capital One Fraud Dept cleared all of the purchases. About a week later I receive a notice that my CC account was overdrawn by almost {$8000.00}. I asked how that was. Capital One explained that the funds that were transferred, the account they were transferred from was overdrawn and funds were unavailable. I asked how that could be since both Capital One and their Fraud Dept cleared the transfer and allowed the purchases. The CC rep said the funds actually did n't clear but were posted to my CC acount because I was such a good customer for over 15 years. I asked them to remove the charges from my account. They refused. I then filed a police report with the XXXX County Police Dept. Report # XXXX. I then called the Ohio Attorney Generals Office who referred me to the Controller of the Currency who referred me to Consumer Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Loan servicing, payments, escrow account

Complaint: We have had a lot of trouble with Nation star mortgage. we had to hire a lawyer a couple years ago to resolve some issues. We have been making our payment within the standard period on the XX/XX/XXXX or XX/XX/XXXX of every month for years. every mortgage company has a deadline of the XX/XX/XXXX for payments. there are even financial advice columns about making sure you pay no later than the XX/XX/XXXX. after much research and a phone call with nation star i have discovered that this bank ( the only XXXX i can find ) actually has a 10 day period.. this company has been very confusing and hard to deal with. i have never heard or known of anybody who does n't know about the XX/XX/XXXX being the last day to pay. so even though they say now that there policy changed it is extremely shady and had we known we would have been paying on the XX/XX/XXXX. why would we always pay by the XX/XX/XXXX if we were knowingly late. so they give a grace period that is not the standard 15 days and now we are being forced to pay {$1800.00} in fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Debt was paid however it was never removed as agreed, account is still showing it 's in the collections process. Even after validation of debt was never received. I 've requested the information before. I would like a signed contract, showing proof of original date of service, date of delinquency and service address not an account statement. A statement does not prove who opened the account. Account seems to keep re reporting and being re aged instead of having been removed for several violations. Company stated prior that debt does not have to be validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2017 about Credit card or prepaid card (General-purpose prepaid card) with Blackhawk Network Holdings Inc. (MA).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: XXXX prepaid card terminated service. They said they would send out checks with the remaining balance. I never received the check. I have called and they repeatedly tell me the check will arrive in 30 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Northeast Collection Bureau (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received numerous phone calls to my cell phone ( XXXX ) from XXXX ; sometimes, 2-3 calls back to back in one day. The number will ask you to press XXXX to speak with someone ; however, no one is ever available to take the call. 
Today ; I was called, yet again and this time XXXX XXXX answered after selectingXXXX, I advised I had no knowledge of the bill stated owed XXXX, he advised I needed to look it up on the internet to find out. I asked him to no longer contact me. He stated he would contact me at a later date. The repetitive phone calls to my cell phone are harassing, and should be covered under the TCPA. Since Northeast Collection XXXX is n't able to provide any details to the bill, yet continue to harass me, I request a cease and desist before I move forward with legal action. 
A written request has also been sent XXXX XXXX XXXX XXXX NY XXXXEvery call received ( answered and missed ) is documented and printed, including the voice mail messages left.

Company response to consumer: Untimely response
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/18 Dear Sir or Madam/To Whom it may concern, You have reported an inaccurate item to the credit bureaus about me and they are on my files and I need to have them removed as soon as possible. The inaccurate item ( listed below ) is affecting my credit score and livelihood. Please delete it immediately. 

Here is the erroneous account you have listed. Please delete the following : XXXX XXXX XXXX XXXX Account : 1. Mortgage Account : XXXX XXXX XXXX Loan Term : 360M Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, 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 12-12-2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: I notified Wilshire Consumer Credit that in XX/XX/XXXX that I was experiencing a hardship. Account number is XXXX. Instead of the normal monthly payment, I would be able to pay $ XXXX for XXXX to XXXX months and that I could resume full payments of {$750.00} in XX/XX/XXXX. This is fully documented. XXXX even executed a skip-a-payment in XX/XX/XXXX to assist. During a phone call today during which I notified I would be making payment earlier than normal ( this Friday the XXXX ), and for {$600.00}, the rep indicated the car has been sent for reposition. This is completely in unacceptable considering what is documented and offered. I pay this bill every month.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Debt collection (Medical) with Collection Bureau of Fort Walton Beach, Inc (MS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Credit Bureau Services was unable to verify an alleged debt so it has been removed from my XXXX credit report. However, Credit Bureau Services has began to report the debt under Other Loans and has reported a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I returned from a XXXX on XXXX from the XXXX XXXX. The information from the Portfolio Recovery Associates , LLC showed up on my credit rep I returned from a XXXX on XXXX from the XXXX XXXX. The information from the Portfolio Recovery Associates , LLC showed up on my credit report around XX/XX/XXXX. I tried to contact the Company to get additional information. They were not able to supply me with anything. I told them I was on a XXXX, the information showed up on my credit report without warning. I was not given the allotted time to resolve the issue prior to having it showed up on my credit report as I was on a XXXX.

Company response to consumer: Closed with explanation