milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: My student loan reports that I was on drinking 20 days late with the previous student loan company but I was never late I always maintained.  XXXX   XXXX  is currently my provider but was not my provider when it had the delinquency of a  hundred and twenty  days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TCF NATIONAL BANK (NJ).
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 have XXXX XXXXXXXX XXXX XXXX XXXX for my car payamnt. Due to my old age, i have a hard time seeing the numbers on my phone. I have recently gone through an error with my car payment. I was supposed to pay {$530.00} for my car payamet and due to my lack of vison i put in {$430.00} for my car payment. In doing so it has droped my credit score from being an XXXX credit score to XXXX credit score. In the docoumnet below as you can see that I have payed my payment in full every single year but due to one simple mistake it has cost me to lose my credit score from the XXXX mark to the XXXX mark. Sorry for the trouble and will not happen again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Status : Collection account. {$670.00} past due as of XX/XX/XXXX 
Status Details : This account is scheduled to continue on record until XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Debt collection (Mortgage debt) with Gross Polowy LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XX/XX/XXXX Notice of Chapter XXXX Bankruptcy Case, Meeting of Creditor, & Deadlines filed. ( Notice attached ) XX/XX/XXXX Notice of Appearance with request for copies of all orders, notices and pleadings under bankruptcy rules 2002 ( g ) and 9010 ( b )  filed by XXXX XXXX XXXX, XXXX as servicer for the XXXX XXXX XXXX XXXX   XXXX XXXX XXXX. ( Notice attached ) XX/XX/XXXX Final bankruptcy Decree received that included referenced mortgage property. ( Letter attached. ) XX/XX/XXXX Received letter from XXXX XXXX XXXX, XXXX stating the following : " This letter was sent to acknowledge that we are in receipt of your request regarding the REO inquiry through correspondence received from XXXX XXXX. '' -I did not make this request and sent a certified letter, with return receipt, stating the property had been surrendered in a chapter XXXX bankruptcy with all of the applicable filing information. ( Letter attached. ) XX/XX/XXXX Received NOTICE OF OWNERSHIP CHANGE from XXXX XXXX XXXX, XXXX stating that the mortgage account had been transferred. ( Notice attached ) XX/XX/XXXX-XX/XX/XXXX Several invitations to pay and miscellaneous notices from " XXXX XXXX '' received . 

XX/XX/XXXX Debt validation notice received from Gross Polowy LLC. 
-XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and ALL of its servicers are well aware that this property was discharged in the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Payday loan () with Opportunity Financial, LLC (VA).
Issue: Can't stop charges to bank account

Complaint: I am seeking relief from a cah advance loan Opp loans phone number Opportunity Financial LLC in XXXX the interest rate is 160 % I am trying to work out a reasonable settlement but they will not work with me the website is www.opploan.com I donot have the money to pay them back my entir pay is going towards vash advances

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02/24/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have mortgage with Wells Fargo for a rental property that I own with XXXX other partners ( we are an LLC, but the mortgage is " personal '', in that it is not in the name of the LLC. One of my partners in the business is the primary " money '' person, so he is the one that mails the check to Wells Fargo. He made an honest mistake. In ordering new checks, he mistakenly changed one of the digits on the account number of the checks that he reordered. He send out all his bills, and then started getting notices back from his creditors that the checks were invalid. Recognizing his mistake, he reached out to every one of the creditors that he knew got a bad check and let them know what happened. He was told by Wells Fargo that everything was fine and there would not be a problem. I personally can monitor this account from my online account, so I happened to notice that " all the sudden '' the mortgage account was over 30 days in arrears and in the same amount of time, my credit took a XXXX + dive. They dishonored the check ... which put the account XXXX days over due ... prompting them to ding my credit score by well over XXXX points. There was a letter sent out to the primary account holder ( my partner ) which he did not receive until well passed the due date and grace period of the mortgage. As soon as I saw the error, I paid the overage out of my own pocket. I contacted Wells Fargo, as did my partner and explained the issue. They told us that they would be working on a resolution to the issue and get back to me after 15 days. I have not heard anything from them, and I want to resolve this.

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 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Issues Incorrect Age of Credit reported on credit reports Late Payments remain on my Credit report that were suppose to be removed in Dismissal/Settlement of my educational loans due to TPD ( have the credit bureaus check their facts which they have incorrect. 
Hard Inquiries should have minimal effect due to performing within 30-40 day period should only count as one inquiry. 
Incorrect Credit Limit Total that I hold : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ================= Total {$9000.00}, and {$9500.00} if you contact XXXX I hold an additional credit line of {$500.00} through them. All accounts are in great standing and I have never been late with any accounts within the previous 2 years. Though the Credit bur are reporting still monthly late payments. That is clearly incorrect. 
The XXXX creditor that states Written Off, was not as it was Paid in Full, and I provided the credit bureaus with the Paid in Full letter and they refused to change the incorrect data in the above issues, also proof from the bank where the payments came from were provided. 

Upon the settling and clearing of my Federal & Student Loans ( though an issue still remains on my Credit Reports in regards to student loans ) All interest, Late payments, etc WAS APPROVED to be removed in both matters of the Federal loans and the Private Student loans. I here again provided information to the Credit Bur 's and they refuse to ammend and correct the issue ( s ) This is unacceptable, especially after we hear and see that a Credit Bureau knew of the US largest hack in XXXX and opted to not tell anyone until XXXX. That is awful, and that bureau should be removed of course. Almost 5months without reporting the incident ARE YOU SERIOUS? Someone there maybe the CEO should be arrested, as I seen about two officials recently quit. So you have that AND they can not seem to manage people 's credit report/score appropriately. I am XXXX myself, and very independent but I rely on the fact that as of the last year or so I have had GOOD credit, and these incorrections are making unfair, and cruel to not properly disclose my credit information properly let alone securely for XXXX sake. 

I can not afford XXXX XXXX, though I would if I could. I would like the complaints above investigated and actions taken appropriately to rectify the failures that occurred, and still occur to this day. 

Documents/attachments are available upon your request.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Privacy

Complaint: I am writing about the privacy notice I received along with my new Chase credit card. The notice informs me that I have the right to " limit '' the personal information about me that Chase shares with its affiliates and non affiliates. My concern is that the document never defines what it means by " limiting '' the information it shares. What does it mean to limit sharing? How much of my personal data will still be shared if I opt in to limit sharing? Given the language is so vague I am assuming they are still sharing some information about me with these parties.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a credit card that was charged off in XX/XX/XXXX that should have reported 1 time-30 ; 1 time 60 ; and 1 time 90 and it was written off after that. However, the company reported that I was late 1-time 30 on 15 different occasions on my credit reports showing the most recent late in XX/XX/XXXX. A correction was requested on several occasions but the same information is being updated.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was contacted regarding this debt in XXXX of XXXX, the debt collector spoke with my wife, however I was present. We were informed they received this account in XXXX of XXXX and that it had not been reported on my credit report as of yet. We explained this was incurred due to XXXX our new phone company not paying off our account as we were told they would. It was still suggested we pay on the debt in the meantime to avoid it affecting my credit. We were told since we were making arrangements early on it would keep this off of my credit report. We scheduled the first payment for the end of XXXX XXXX, XXXX/XXXX/XXXX as it was stated something would be needed in the month of XXXX to secure the agreement. The first XXXX payment was for XXXX/XXXX/XXXX for {$75.00} and has been paid every two weeks for {$75.00} by automatic withdrawal. So XXXX/XXXX/XXXX, XXXX and XXXX/XXXX/XXXX all for {$75.00}. Now imagine my surprise when I pulled my credit report on XXXX/XXXX/XXXX and not only seen this account on my report when I was told it would n't be, but also it is reporting late when I have made all scheduled payments as agreed! My wife called in my presence on or around XXXX/XXXX/XXXX and received very rude service. She spoke with two people who both stated that payments had been received and on time, but since they are collecting for XXXX and the XXXX account is not in good standing since it was sent to collections this is why the account has a negative standing. They stated they are reporting the payments, but have no idea how the credit bureau puts out info. My wife said the CB can only report what you tell them, but they insisted it was not their issue to correct and we should call the credit bureau. Of course I understand I am not in good standing with XXXX, but convergent should be reporting the on time payments to convergent that are being made. It is clear to anyone a collection account is a negative thing, but you dont get to report on time payments as late to punish a consumer. Included are bank statements for the dates listed above. Please note the payments listed under XXXX, which also has their phone number listed. Also I have attached email statement notices from Convergent. I can not go all the way back to XXXX as their links expire in 90 days. Also a copy of this item on my 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 explanation
Consumer complaint received 02-05-2016 about Consumer Loan (Installment loan) with SECURITY FINANCE CORP (GA).
Issue: Problems when you are unable to pay

Complaint: On XXXX XXXX of XXXX, I filed chapter XXXX Bankruptcy. In the XXXX XXXX ... I notified all my creditors, including SECURITY FINANACE ... .located in XXXX , GA. But for some reason they continue to call me and harass me, not only on my account. But XXXX others accounts of individuals .... who I had referred to this institution .... Things had gotten so bad that I had to file a complaint against the branch manager of this location .... ON Tuesday XXXX XXXX, XXXX, cause she ( Branch Mgr ) had called me on Monday the XXXX of XXXX .... Demanding that I come into her office and make a payment on someone else 's account ... .. I only know her by the name of XXXX, but her illegally debt collecting practicing have reach its limitation with me .... The individual, few months ago, gave me copy of another individual credit report that she had ran ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Alliance Data Card Services (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I ordered a phone from XXXX on XX/XX/2016. The phone was financed through XXXX finance company COMENITY BANK. 
The phone never arrived. XXXX was the shipper. They declared it a total loss. Fully insured by shipper, XXXX was paid IN FULL. My order was cancelled for a phone. I have been called by COMENITY BANK for payment on this phone & shipping Charges. I have explained this to them on every call. I have called XXXX about this. I have an email from XXXX assuring me a credit has been issued. Still COMENITY BANK calls for payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-10-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Billing disputes

Complaint: my JCPenny has been altered on their online site someone used my old email address as their user name " XXXXXXXXXXXX '' my real address now is XXXXXXXXXXXX this makes it diffcult to get info online at synchrony bank not JCPenny where I signed up

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: in 2009 in Nevada someone opened up a XXXX Phone in my name, I called XXXX and tried to reason with them, they wanted me to pay over {$800.00} to clear my name. It was to be taken off after it aged out in XXXX..A new collection shows up for XXXX collections in another name ..This is a Debt I have been battling for 7 years and it keeps rising.it is now XXXX $

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 12/23/2016 about Credit card () with BMO HARRIS BANK NATIONAL ASSOCIATION (FL).
Issue: Application processing delay

Complaint: I have overpaid a credit card for an account that has been closed by {$1300.00}. The bank has not refunded the overpayment.

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 07-10-2017 about Debt collection (Medical debt) with GLA Collection Company, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Called by collector XXXX XXXX [ with GLA Collection Co. ( XXXX ) XXXX ] about medical account for XXXX  XXXX due to inpatient admission of my daughter, XXXX XXXX ( admitted XX/XX/XXXX - XX/XX/XXXX ). He advised that bills were returned as bad address. We discovered the bills were being sent to zip code XXXX instead of XXXX ( these locations are approximately 400 miles away ). I advised that I would be happy to pay the bill, but required an itemized list of charges to satisfy records requirements for my Health Savings Account. He said he would send them to me, although to date he has n't. However he advised that unless I paid now, this would be reported to my credit file. I told him I need to review the bills and since they were sent to the wrong address at no fault of my own, I am not delinquent. He insisted that unless I paid immediately, my credit would be damaged. He told me he had been working in this industry for 25 years and was certain I was at fault and even if I disputed, it would n't leave my credit report. He then proceeded to inquire about my employer. I contacted XXXX XXXX and took care of the matter with them, paying the bill in full.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Other

Complaint: This is an additional inquiry to Citicards. This additional inquiry is necessitated by the fact that Citicards has repeatedly failed to answer XXXX simple question regarding my Citi ( R ) XXXX Platinum Select ( R ) Visa Card ending in XXXX. As a result, I will ask the question here again with the hope that a rational and intelligent human being at Citi can provide an answer. 
What is the date of first delinquency of this account? 
Can Citi provide all information reported to the Credit Reporting Agencies regarding this account upto and including XXXX 2014 - the month that Citi stopped reporting this account? 
I understand that Citi no longer owns the account and no longer reports the debt to the major credit reporting agencies. I also understand that Citi is the original creditor of the account, and can provide information pertinent to this case. I also understand that Citi is liable for violation of the FCRA for willfully providing dishonest and inaccurate information to debt collectors in a bid to aid its debt sale practices. I also understand that this is a follow-up to CFPB Case # XXXX. 
This is the final request before this complaint is forwarded to an attorney for legal action. 
Sincerely, 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 07/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (GA).
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: I am a single woman with no kids and I live alone. I purchased a couple of TV 's on line through Best Buy website. Both Tv 's were delivered. I went out of town 2 days later for work because I travel for my business and I also had to go out of town to check on my family who was in the hospital at the time suffering from XXXX XXXX. upon my return I scheduled to have the Tv installed over my fireplace on XXXX XXXX. Before finishing the installation by putting the TV on the wall, the installer notice a chip on the bottom corner. I have attached a copy of the picture that was taken at the time it was on the wall. I called Best Buy to inform them of the problem, they referred me to XXXX and when I spoke with them they said the TV was in good working condition when it left there warehouse and the responsibility falls onto Best Buy since it was delivered. Neither company was taking responsibility for the damage tv. I took the Tv to the local Best Buy store in XXXX on XXXX XXXX. I spoke with the Store Manager XXXX XXXX and he noticed the damage on the box and mentioned that it was a common problem. If you see a damage on the box is where the damage on the TV will occur. So he sent the TV to the XXXX XXXX to see if they would fix it and told me that I would still be responsible for paying for the cost. I told him at that time if there is a cost to fix I would n't pay it because it is not my fault the tv was damaged. I asked if he had another tv like the one I had for purchase. I purchased another tv the same day before leaving because I needed the installation person to complete his job so he could get paid for services. On XXXX XXXX I received an email stating that the tv could be fixed XXXX didnt have the part and the XXXX XXXX could n't fix it. They stated there was nothing else they could do nor could they refund me for the damaged tv. I later dispute the transaction with my credit card and the credit card company was told by best buy that they have a 15 day return policy and I was past that time frame. Now my best buy credit card would n't refund me nor would they cover the warranty like most credit companies when using major credit cards. Now I am stuck with paying for a tv that I no longer have in my home and ca n't use and this is unfair to me as a consumer to have to still pay for merchandise that I did n't damage --

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