milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/21/2017 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: Personal information incorrect

Complaint: TODAY XXXX WHILE GOING OVER MY CREDIT REPORT I SAW SEVERAL ACCOUNTS A ADDRESSES ON MY XXXX XXXX, XXXX, AND XXXX  REPORT THAT DO NOT BELONG TO ME. MY DATE OF BIRTH WAS WRONG AS WELL. THERE WAS SEVERAL PHONE NUMBERS LISTED THAT DO NOT BELONG TO ME. THERE WAS ACCOUNTS WITH THESE COMPANIES NEVER DONE BUSINESS WITH THESE ORGANIZATIONS.DIRECT LOAN SERVICE SYSTEM # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. I AM UNABLE TO RENT OR BUY A HOME NOW WITH THESE UNRECOGNIZED ACCOUNTS ON MY CREDIT REPORTS. 
MY CURRENT AND ONLY ADRESS IS XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH 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 05/17/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: In short, my home was foreclosed upon due to a divorce where my ex-wife would not sign any documents related to the foreclosed home. I understand that the mortgage company is not responsible for that. Regardless, of the circumstance, the foreclosure falls on me. The court proceedings for the foreclosure were concluded over two years ago ( XXXX/XXXX/XXXX, Court Case # XXXX, XXXX XXXX ( MD ) XXXX XXXX ). The property was transferred to Wells Fargo on XXXX/XXXX/XXXX ( according to XXXX Property records ). The property was then transferred to HUD on XXXX/XXXX/XXXX ( according to MD Property records ). Wells-Fargo has left the foreclosure as open and active all this time. Their contention is that the foreclosure was not final until they improved the house for HUD to accept. I know that the house was not in the shape that it should take two years to rehabilitate to living condition. I do not believe that I should have to wait all this time for Wells-Fargo to make what little improvements were necessary for HUD to accept the home. Additionally, the house was conferred to HUD in XXXX of XXXX. Yet, the foreclosure remains open and the account is being reported to the Credit Bureaus as being delinquent.

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 09/15/2015 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Delinquent account

Complaint: My problem started in XXXX 2013 when I had a credit card issued by Synchrony Bank and I had stopped getting monthly bills from them, at this point I was unable to login online, or contact anyone through their customer service line, because they stated that I had passed away. Now as you may or may not know I am writing this so therefore have not passed away, and am very much alive. I 'm left unsure of where to turn with my problem and thought that maybe it would eventually go away. Now I 'm stuck with a credit card that was Charged-Off due to non-payment, which they would n't take. Due to this issue still not being resolved my credit has dropped significantly, and they are still unwilling to resolve this matter. Please if you can I would very much appreciate your help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have disputed XXXX different XXXX accounts with Equifax asking that the collection company prove the following : Right to collect Verification of debt through a 1st Party on not a 3rd party online system Original promise to pay with Signature Equifax is not actually investigating this they keep sending the same records of previous statements to me accepting those as proof of the verification. This does not prove that they have the legal right to collect or that the account is accurate, or its originality. This is not the proof of verification that is requested. XXXX has already deleted these items because they were not able to verify as the law states that they must. 
Equifax will not fix this and I do not have the funds to hire a lawyer to make them do what they are suppose to.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I did not sign any contract with the XXXX and when I cancelled my service they asked me to pay the penalty for breaching the contract which I never sign so the ... .I am willing to pay the dept if they have any proof that I owe them this money ... .thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MD).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XXXX XXXX, 2017, while reviewing my XXXX XXXX XXXX report, I noticed an alert to a credit card balance with Discover in the amount of over {$3000.00} for an account ( no. ending in XXXX ). I immediately contacted XXXX and told them that I never applied for a credit account with Discover. I contacted Discover and informed them that the account in my name was fraudulent. I also filed a police report. Discover denied my claim of XXXX XXXX and Credit card fraud without providing me any information of probative value in defense of my claim. They indicated that I would be billed under a new account number. I sent a letter dated XXXX XXXX, 2017, requesting reconsideration of their decision, along with a request for information and documents. I also submitted compelling data in my defense : Indisputable data from my Bank transactions and Phone GPS tracking log, other info, that clearly show that I was nowhere near the location that the fraudulent credit card activities occurred. I demonstrated that I have an excellent credit rating and that my purchasing travel and payment habits have remained consistent for years. Discover refused to retract their decision and failed to respond to the request for information. Ultimately, Discover closed the fraudulent account ( no. ending in XXXX ), and opened a new account, ( no. ending in XXXX ) in my name, without my approval. Discover then transferred the approximately {$3900.00} balance from the fraudulent account ending in XXXX along with a transfer fee of {$140.00}. to the new account ( no. ending in XXXX ).
To date, I have filed claims with the major three credit reporting agencies : XXXX, XXXX, and XXXX, Discover, XXXX Md. Police., XXXX Inspector, FTC , MD Attorney General, and the FBI 'S Internet Crime Complaint Center.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: My dispute is with Discover Card. XXXX XXXX XXXX charged me {$7200.00} to handle an IRS issue. I had to sign a form to authorize them to charge my card so they can start working on my matter. {$4000.00} was charged to Discover. XXXX never resolved the problem and left me hanging with the IRS. I had urgent letter from the IRS faxed to XXXX and the case manager never acknowledged two emails, four phone calls so I had to hire another tax attorney for another {$1000.00} to try and resolve the matter. Discover told me to mail my documentation and I did so and they sent me the contract that I authorized XXXX to charge my card that is fine if they did the job they contracted to do. There is a clause that all urgent letters be sent to XXXX immediately and the client ( me ) must respond promptly to their calls. I guess it does not work the other way they never got back to me until the BBB contacted them. Then their quality assurance person told me we can partially refund you if I drop all complaints against them and take down bad reviews. That is " Blackmail '' Discover is not working on my behalf they accepted the non fact that they provided the service which not the truth why would pay another {$1000.00} to tax attorney to take over the handling. I wrote to the CEO of Discover and waiting on response. This is " no brainer '' XXXX did not do what they advertise to do and told me what they would do. I been ripped off.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Medical) with Renton Collections Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Renton Collections. This has been going on sin ce  XX/2016 . They c ontacted me by phone several times over the past few months, in which I requested written proof of the debt in question. I asked for proof and even went to dispute it, but I was told it was easier to pay it off. In which I have paid monthly payments of {$50.00} to {$150.00} and now find out that not only is the debt in dispute, the total amount was charged off and I do not owe any money and that it was paid by my insurance company. Not only am unsatisfied with their operation, practices, but false names false acquisitions and finally, They WITHDREW {$50.00} ON  XX/XX/2016    YOU WERE NOT AUTHORIZED TO DO.   I do not have any responsibility for the debt they are collecting, I told them if I am responsible for this debt, mail me the documents that make you believe that. THEN THEY stop all other communication with me and with this address under RENTON, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and sent it to another DEBT Company and also would not indicate to them that it is disputed. reported it to a credit bureau, also report that the debt is disputed. I contacted the BBB, They have numerous slanderous complaints. They do this to people under different names. i even told them THEY were being recorded and they changed their name and hung up.     Thank you for your cooperation.   Sincerely,  XXXX   XXXX ,  XXXX .    XXXX  see :  Renton Collection    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Making/receiving payments, sending money

Complaint: I set up automatic bill pay of my credit card from my checking on XXXX/XXXX/16. Tech support confirmed this, my credit card is due tomorrow XXXX/XXXX/16 and was not paid. They recognize the auto pay and ca n't explain why the system did n't pay the credit card. I was on the phone for over 2 hours and got cold transferred 5 times.

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 11/17/2016 about Debt collection (Medical) with Receivables Management Partners, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Contacted creditor for proof of this debt to validate this is actually my responsibility. Creditor sent me information related to this debt that proves it belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I 've noticed my XXXX XXXX go down then up then down ( due to an account consolidation - which I understand ) but after it went back up it should NOT have gone down again. 

I wanted to check my credit report due to the security breach and I can not get it from my free annual report.

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 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (TN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: lexisnexis was told to remove info. they passed the buck onto XXXX. XXXX refuses to budge. 

FCRA- " NEW '' accounts need verification. My accounts are hardly new. In fact over XXXX  years old. request for info to update database based on my blood type etc. is HEREBY DENIED.
EACH AND EVERY REPORT GIVEN has not had the demanded dispute letters, emails, etc. I have not gotten phone recordings, etc. PUSH BUTTON mechanics. NOTHING RESOLVED. I AM ESCALATING CLAIM.
NOTHING IS GETTING REMOVED. I SAID TO SUPPRESS THE INFO. I SAID I DIDNT WANT MY INFO STOLEN. NOBODY GIVES A FLYING XXXX. EVEN if addresses are OVER TEN YEARS OLD. INFO SHOULD NOT BE ON MY FILES ANYWHERE. FILES SHOULD NEVER BE CONNECTED to the internet ( EQ ).
I DENY any right to waive lawsuit. I INSIST ON SUING for damages due.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Previously removed inquires however some of them are still reporting, and there are some duplicates as well for the same dates. I also have a fraud alert on all XXXX bureau and inquiries are still being fraudulently made. I have tried to have them removed, but Equifax will not validate. I would for them to remove the following inquiries, or provide me proof of who validated the inquiries, and how it was validated. 
XXXX- XX/XX/XXXX,XX/XX/XXXX Duplicate- XXXX-XX/XX/XXXX,XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX. : : Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX : : Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX : : Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX : : Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX Date of Inquiry:XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Account opening, closing, or management

Complaint: Company responded USAA Federal Savings Bank said : Explanation of closure XXXX XXXX, we regret the frustration and inconvenience you experienced as a result of this matter. Our research found that when the payment was received, we were unable to identify where the payment was to be applied as it did not reference an account or member number. As XXXX XXXX, of our staff, informed you, the {$350.00} payment was posted to your credit card account. XXXX XXXX submitted a request to the consumer reporting agencies to have the XXXX through XXXX 2016 late payment reporting removed from your credit report. In addition, credits totaling {$56.00} posted to your credit card on XXXX XXXX, 2016, for the interest and late payment fees that were incurred. XXXX XXXX remains available should you have any additional questions. We appreciate you allowing us to review your concerns and respond to you. 
Relief On XXXX XXXX, 2016, credits totaling {$56.00} were posted to your account for the late fees and interest charges incurred on your account. 
{$56.00} UNRESOLVED COMPLAINT : With numerous attempts to contact XXXX XXXX at XXXX, to resolve this issue for updates on when this item will be removed ; I have remained unsuccessful due to miscommunication of not returning my phone calls. Per discussion, XXXX XXXX informed me that my final payment would be {$14.00} which was paid on XXXX. Also, during the discussion I was informed my credit report would reflect a change in which I also have not seen. Instead, my score continues to drop do to USAA failing to update payment status to my account. At the beginning of this process my credit score reflected a XXXX, due to the defects of USAA I now reflect a XXXX. Please assist on removing such indecency from my report eliminating further harm to my important credit history. I am looking to purchase a home and this deficiency has ruined my reputation to the upmost worst reflection of my character and history of responsibility. 
BOTTOMLINE : I am still receiving negative activity to my report corresponding to failure upon USAA updating the status of my account. Please represent a paid in full amount and/or remove from credit report completely. 
Thank You, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Debt collection (I do not know) with SIMM Associates, Inc. (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Sims Associates called someone in my neighborhood whom I have never met in my life told them of my debt and my address and who I was and they therefore took the message and came to my house and knocked on my door with this information. I feel violated.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Debt collection (Medical debt) with Fidelity Properties Inc. (WV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: There is a medical bill from XXXX XXXX XXXX XXXX located in XXXX WV on my credit reports in the amount of {$280.00} which is now with Fidelity Collections. I have NEVER seen any physician at this office nor did I authorize any treatment for anyone stating that I would be responsible for any debt. I did contact XXXX XXXX personally and I assumed this was removed from my credit report as he stated he would take care of this with his office staff.

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 08/30/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Addendum to case # XXXX XXXX - approved for XXXX based repayment -- payment is much lower than I 've ever paid, but my family size and income have remained the same XXXX - called to make sure XXXX payment amount is correct ; account rep said my family size was incorrectly input as XXXX. Account rep says that it was probably an input error. I checked my form later and there 's no way I filled in I had a family of XXXX. Now, I have to resubmit my XXXX application with correct family size ( which is nothing, because it 's just me ), even though it was their fault, and I had to figure it out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/23/2016 about Debt collection (I do not know) with Glass Mountain Capital, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Glass mountain capital is trying to collect a debt which is not mine. I am a victim of identitytheft

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (I do not know) with American Collection Systems, Inc. (OH) (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a debt on my credit report for American collection systems for XXXX New York that should not be there because XXXX servicing is already handling all my school loans.

Company response to consumer: Untimely response
Consumer complaint received 08/13/2017 about Debt collection (Auto debt) with TrueAccord Corp. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: TRUEACCORD SENT ME AN EMAIL STATING THAT I COULD PAY MY DEBT TO THEM. I HAVE NEVER BORROWED MONEY FROM TRUEACCORD, NOR DO I OWE THEM MONEY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (VA).
Issue: Account opening, closing, or management

Complaint: Hi, I applied for a promotion for XXXX XXXX miles after opening a checking account and following a couple of terms and conditions. They confirmed on XXXX that I met the offer and fulfilled all the terms and conditions and would get the miles by XXXX. Now they are stating for the past one month that they are investigating this. I have spoken to several people and have confirmed will get the miles, but they do n't show up.

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