milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: To Whom it May Concern, If you sold the debt to XXXX XXXX XXXX then therfore you should not be reporting on my credit report as a charge off. Please remove this account from credit report. Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the  Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishments of the quality of my life. 
I am now demanding the immediate and complete removal of this tradeline from my credit reports ( XXXX XXXX and XXXX XXXX ). 
As I am currently attempting to apply for credit, time is of the essence. Please understand that I am extremely concerned about the consequences of the actions your firm is having on my life. Please be advised that, if this matter is not resolved within 30 days, I will take any and all necessary steps to protect my rights. 
Thank you in advance for your attention to this matter.

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 09/23/2017 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (NY).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I had a loan with Toyota Financial Services ( TFS ) for a XXXX XXXX. I set up auto deduction for {$400.00} at the beginning of the loan. Every payment was posted on time. At the end of the loan I had a {$310.00} balance right before my XXXX XXXX payment was due. On XX/XX/XXXX Toyota Financial Services ( TFS ) deducted the same {$400.00} amount. I contacted them and I was told that since I authorized {$400.00} they pull {$400.00} no matter what the balance. I was also told that on XX/XX/XXXX a  refund check was cut. As of today, XX/XX/XXXX, I do not have that check. By the time I receive this money, deposit it and the check clears my bank it will be at least 7 calendar days. That is 7 days of " float '' on my money that I will not be getting. Now, that amount is very small until you sum up all of the customers that they have done this to this year. Then it becomes a large 0 % loan on the backs of the consumer. I believe that is unethical. I believe you have the power to force them to deduct the regular monthly payment or the payoff balance each month whichever is lesser. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 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: Their investigation did not fix an error on your report

Complaint: On XX/XX/XXXX I checked my credit report on XXXX XXXX and I had a total of 19 collection accounts & 4 hard inquiries removed from my report. I checked my account again on XX/XX/XXXX and I saw that all 19 collection accounts & 4 hard inquiries were placed back onto my credit without sending me a reinsertion letter as required by FCRA section 611. I have called XXXX several times since the incident to try to get this issue resolved but I have not received any help. Reps wo n't assist me nor will they transfer me to the fraud department telling me that they know what happened but they ca n't help me so basically it 's too bad & that I should file a complaint because they wo n't fix the issue. I have faxed proof that I was affected including screenshots of the removals/re-entries to XXXX but they continually say theyve not received anything from me. Since then I have successfully had the original creditors remove some of them from my credit file after theyve confirmed and validated the accounts as false. Also since then, XXXX has added a recording that can be heard when calling their toll free numbers ( XXXX ) XXXX & ( XXXX ) XXXX explaining and admitting to technical issues taking place on the dates between XXXX XXXX & XX/XX/XXXX XX/XX/XXXX that affect account and inquiries being removed and added back on.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 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: Hello I would like to submit a complaint against Transunion I have disputed a account that does n't not belong to me the credit agency name is FAIR COLLECTIONS AND OUTSOURCING and I have ask for proof showing that this account belongs to me I have contact the credit agency also and they have this account under a person name  XXXX   XXXX  and my name is  XXXX   XXXX  I have never changed my name or used another name and have contact both parties and nothing has been done expect Transunion has sent my credit report to be stated " VERFIED '' but nothing was sent to me showing how this was verified I sent over a copy of my ssn and Drivers lincense card to them and still nothing has happen and they have not verified to me how this info was verified I would like the incorrect info off of my credit report as this does not belong to me

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 11-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given to me which is a violation and I am requesting that ALL inquiries be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Debt collection (I do not know) with Vital Solutions, Inc. (FL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: There name is vital recovery systems I asked for there address because they were calling XXXX to XXXX times a day for a debt I never heard of or owe.I sent them a letter telling them to cease the calls there leaving messages on a business number and stating that they were a collection company using the number XXXX.Now when I pick up the phone is makes it seem like I was placing the call and says " I 'm sorry we can not connect you we are experiencing technical difficulties '' They have harassed me for weeks! The people that call are very rude and sometimes they call back with a false caller ID number from my area.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's 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. 

This account was removed from my report, and then illegally reinserted to my transunion account. In accordance with FCRA I was supposed to recieve a notice within 5 days that this account will be added back to my report. I believe as an consumer this violates my rights as I have once proved I have no knowledge of this account for the amount of {$570.00}.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have several student loans and I 'm having a hard time repaying them.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent certified letters to Experian in reguards to the collections agencies XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, and XXXX. Theses certified letters were sent XXXX XXXX or XXXX sometime and Experian has failed to provide me with the requested validation of these debts. In my letter then I stated the following. - This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. - to date I have not recieved anything validating the debts and they have stated that they verified with the companies that the debts are mines but not one company has validated themselves either. I spoke to several different people with XXXX in particular who have confirmed with me that the ssn they have attached to their accounts do not belong to me yet they continue to update my credit report with Experian If information I have no paperwork on confirming the debt belongs to me. In speaking with representatives at Experian I have explained to them that XXXX already confirmed with me a social that is not mines. Yet the continue to damage my credit and hinder me from obtaining credit that I would otherwise be able to get without their negligent verifications. I have enclosed a screen shot of the accounts that have not been validated. I am requesting removal of all invalidated collections accounts or I will seek a civil lawsuit.

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 08-11-2017 about Debt collection (Other debt) with Northeast Collection Bureau (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: On XXXX XXXX 2017 @ XXXX, a woman contacted a family member & informed my relative that she is calling to speak to me regarding " a legal matter that we have in our office. It is important she contacts us right away ''. That woman gave no regards to my relative requesting she contact me herself directly at the number provided. When asked for the company name, phone and her name ... she did not provide the company name or her name, but only provided the phone number for me to contact. She then ended the call giving no other opportunity for my relative to ask for her name & company name once again. On XXXX XXXX 2017 @ XXXX, I received a call on my wireless phone from a number located in XXXX XXXX , FL XXXX w/ no voice message left. However, the number that appeared on my wireless phone is the same contact my relative was given so I returned the call @ XXXX using that info provided. A male individual named " XXXX XXXX '' stated to me, " unless specific details was given to you or a message was left, disregard the call as I am not able to assist you ''. As soon as I ended that call, my employer was receiving a call @ XXXX from the same phone number. The receptionist greeted the inbound call accordingly stating the company name, and " XXXX XXXX '' proceeded to state " this call is in regards to the pending legal case we have in our office for XXXX ''. " XXXX XXXX '' disregarded the fact that he contacted me at my place of my employment even after the company was disclosed. All representatives involved in this situation from this company, XXXX XXXX XXXX XXXX XXXX, violated my privacy rights under the Federal Consumer Rights Act. As well as, prior to the rounds of calls placed in one day, no written correspondence was sent to me on any level ( via email or ground mail ). This company has a valid address to send correspondence to reach me at, which would allow me to respond accordingly. But instead opted to handle the matter by calling other parties unaffiliated to the matter on hand. Upon requesting for proof to validate call made concerning this " pending legal matter '', On XXXX XXXX @ XXXX, I received a correspondence via email from NCB with no signature or title of the person who the correspondence is from

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Money transfer, virtual currency, or money service (Foreign currency exchange) with Travelex NY, Inc. (FL).
Issue: Incorrect exchange rate

Complaint: XXXX XXXX, 2017 Exchanged {$1200.00} USD for {$920.00} Euro ( see attached ) I even did more than I wanted to because they offered a 3 % discount if it was above {$1200.00}. ( this is the part that bothers me most, not only did I not get a discount they even increased the exchange to their favor,  a complete lie ). 
The published exchange rate was XXXX The given exchange rate was XXXX They said this is the cost of business. 
I was n't aware of the price gouging until I reached my destination where they gave me the fair value in trade. 
When I returned to US I called Travelex XXXX XXXX to complain. They said I should have not done the exchange if I did n't like the rate. Again, I was n't aware of the gouging until I got to my destination. I figure the exchange cost me an added {$200.00} from the unfair exchange.

Company response to consumer: Untimely response
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: An account I had went to collections after I moved. After I was made aware it went to collections and was placed on my credit report, I paid the balance in full. The payment was made XX/XX/2017. I have contacted collection agency asking them to report it the all credit bureaus as paid in full. I have sent copies of the cleared check from my bank to all credit bureaus with a letter asking them to update account to paid in full. I have disputed the item with all credit bureaus in excess of 30 times still getting the same response as before. The account is paid in full. They have all necessary documentation showing that it was paid in full. It needs to be updated as such asap.

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 04-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with PENTAGON FEDERAL CREDIT UNION (VA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have two areas of Concern. 

1st - For my Pentagon Federal Credit Union XXXX Credit Card on XX/XX/XXXX I received a 12 month 0 % balance transfer of {$9000.00} to help pay off another credit card. I have been paying on this credit card for 10 months. The expiration of the 0 % transfer is due to expire on XX/XX/XXXX according to my statements. On XX/XX/XXXX I called Pentagon Federal inquiring on another balance transfer for another 12 months at 0 %. In the discussion the attendant told me that any payments would buy down the first 0 % balance transfer made on XX/XX/XXXX as long as no interest or other purchases were made. I then decided, on XX/XX/XXXX to have another 0 % balance transfer of {$6000.00} to help pay off another credit card. I paid {$950.00} that month and all the money, minus balance transfer fee, went to the XX/XX/XXXX balance transfer. On my XX/XX/XXXX statement I made another {$950.00} payment where {$580.00} went to my XX/XX/XXXX balance transfer and only {$180.00} went to help pay off my XX/XX/XXXX transfer. I called Pentagon Federal on XX/XX/XXXX and asked why it was not paying off my 1st transfer and they said something about congressional calculations and they had no way of fixing or having my payments go first to the promotion XX/XX/XXXX transfer. In this case I will be paying interest on the first balance transfer until I have both balance transfers closed out. This was not explained to me and Pentagon Federal said they could not " allocate '' how the payments are done. Please help me with this as I never intended to a 0 % balance transfer cost me any interest. They are not taking the Expiration date of the 0 % balance XX/XX/XXXX into account and not considering that I still have 10 months to pay off the other XX/XX/XXXX balance transfer at 0 %. It looks like they are penalizing me on having two 0 % balance transfers. 

2nd Additionally on a separate note, It appears they changed the expiration date for both transfers from the XX/XX/XXXX and XX/XX/XXXX Statements confusing me as to when the expiration of each promotion was to end.

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 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello, RE : Credit Bureaus Reports Issues : -Information is not corrected and explained in plain language. ( For example : Balances, old accounts listed ) -XXXX does not provide me the opportunity to " dispute online ''. 

On XXXX, XXXX, I became a member through Experian to have easy access " online '' to the 3 Credit Bureaus. I am enrolled. My purpose is to make sure my reports are accurate. 
- XXXX does not allow me to dispute " online ''. Why? I do not know. No answers about it. I sent written " disputes ''. Results " Unfinished Business ''. No corrections made. 

The 3 Bureaus do not sent explanations of what specifically was " corrected ''. It seems to me the 3 Bureaus take a generic letter of " acknowledgement letter '' and help yourself. 

Still, I see the same incorrect information listed. Then, the frustrated cycle continues. 
In particular, after the back and forth " XXXX '' keeps listed in my report that I have a " Balance for {$25000.00} with XXXX XXXX initial balance for a new car at that time. Also listed as REPOSSESSION. It was my " Voluntary ''  Request to XXXX XXXX '' to pick up the car. I wanted to refinance the loan. No success. Which it was paid off and included in a Chapter XXXX Bankruptcy. Now, " DISCHARGED '' since XXXX/XXXX/XXXX. 
- I asked and presented specific details to the 3 bureaus to update my balances. It seems to me the 3 bureaus are very concerned about collecting money by selling their products and in exchange they provide the customer a very poor quality work. Please advise. 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 non-monetary relief
Consumer complaint received 04-09-2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: After numerous times to obtain a loan modification with PNC only to have them repeatedly lose my info, I attempted to do a short sale. There were so many unresolved issues with PNC and I hired several attorneys to help me work through this. As PNC threatened foreclosure, my attorney recommended bankruptcy to stall the sale while we continued to work with PNC. There were several offers but PNC would not consider them. My real estate agent ended up getting himself hired by the Trusteee. The bank changed the sale date several times and even though there were offers, they foreclosed on the house and sold it to XXXX of my attorneys. It was my understanding that an attorney could not benefit from their client 's misfortune. I have spent so much time and effort attempting to do my part, only to left with the deceptive talk and work done by PNC. I am hoping there is come recourse. It is my understanding that the house is getting ready to go up on the market again ... ... .. Thank you!

Company response to consumer: Closed with explanation