milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX purchased this debt from XXXX and decided to temper with the original dates. I contacted XXXX to inquire about the date of delinquency in this account which was the first day after I missed a payment XXXX XXXX 2009 and should have been reported within 90 days .this account should be in default After I did n't make a scheduled payment for a period of 270 Days from last payment according to federal Regulation. I included documentation for payments schedule and proof that XXXX got no payment past the date stated above and admitting to the last payment date ... XXXX XXXX XXXX provided fraudulent information to the credit agencies to default the loan at a later date so the status of limitations can be changed giving them a longer time to try to collect. Negative account information should not be reported after 7 years from the delinquency date which was XXXX XXXX 2009. Yet till this day XXXX XXXX XXXX is posting negative information and their customer service is unaware of federal regulations and ignore my submitted documents that I provided. XXXX XXXX XXXX should remove all negative information from all credit bureaus since the delinquency date was more than 7 years and no payment have been made since. Legal action will follow for this 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 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello, In regards to the entry of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$320.00} {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX I am disputing 100 % of this profile collection entry. 
I am demanding that this entry be removed and blocked asap from my name and personal information on file with the CRA. 
With the on-going XXXX security breach, it looks like you are continually allowing bad data to take over your records. 
Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. 
Look at my history with you, in disputing junk and erroneous information. 

This does not belong to me and you are again aiding in ruining my credit profile with this erroneous account. 
REMOVE THIS 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 non-monetary relief
Consumer complaint received 12/18/2017 about Debt collection (I do not know) with ONEMAIN FINANCIAL HOLDINGS, LLC. (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I see where Transunion reinserted a previously deleted information on my credit report. This is for XXXX account number XXXX. I disputed this with Transunion and nothing was done. This appeared after the glitch.

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 08-09-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: On XXXX/XXXX/2016, an unauthorized person logged onto the Experian website and used my personal information ( ID theft ) to pay {$1.00} for a 7 day trial to get access to my credit report. I did not know this until XXXX/XXXX/2016 when I received in the USPS mail notifications from XXXX banks ( XXXX XXXX and XXXX XXXX ) that online checking accounts were opened in my name and that {$5200.00} has been transferred from my own personal savings account at XXXX XXXX Bank into these XXXX accounts. I immediately worked with XXXX XXXX and the XXXX other banks to retrieve the {$5200.00} and place fraud reports with each of them. I also filed a local police theft report, an FTC fraud report, social security fraud report, and placed a 7 year fraud alert with all XXXX credit report companies. The problem I have is that when I initially contacted Experian on XX/XX/XXXX ( contacted them on XX/XX/XXXX and XX/XX/XXXX but was told to call back on XX/XX/XXXX since that fraud department was closed for the weekend ) I was told after over two hours on the phone and being transferred to XXXX different people that they do not have a fraud department to handles fraudulent access to credit reports. That they only had a fraud department to handle fraudulent items on the credit report itself. When I tried to explain to these people that it was not me that accessed my credit report on XX/XX/XXXX, they kept telling me it was me based on the information they had. When I asked them to release to me the email address and the credit card used to gain access to my credit report on XX/XX/XXXX, they advised they had that information but would not release it to me. To this day, I can not get Experian to release that information to me. I have asked the local police department to request this information from Experian via a summons, but they do not seem to have the time to do that (? ). However, the local police were able to narrow the thief down to a local person due to other information they gathered ( so it was not a thief from XXXX or other non-USA location ), but they seem to have stopped working on the case due to other priorities. If there is any way you can get Experian to release the CC number and email address used in opening this {$1.00} trial account on XX/XX/XXXX so I can give it to the local police for additional follow up, that would be great. Or if you have any other suggestions on how to get this information to help in the police investigation, please advise. I was very disappointed that Experian would not help investigate this unauthorized access to my credit history, and also amazed at how easy it was for someone to gain access to my credit history via their website. I can provide additional information upon request.

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 07/16/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Advertising and marketing

Complaint: The quicksilver capital one credit card sent me a letter for me to sign up for their credit card. 
I called their customer service number to see if I can be taken off their mailing list. They make it impossible to be removed from their mailing list if one has a XXXX with the USPS which I have. They asked me to leave my name on their recorded along with my address and phone number. They are obviously doing something wrong. They also are in business with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (NM).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Iam 3 weeks late on a payment. I tell them when they call that I will pay them Friday XXXX XXXX, 2016. I wo n't secure the payment with a card till that date so the calls wo n't stop. thats fine. But they call me several times a day after I have asked them to stop. Told them once a day is fine, but if nothing financially for me changes from day to day, it certainly wo n't Change from hour to hour.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Problem with fraud alerts or security freezes

Complaint: I placed a freeze on my credit report related to multiple reports of identity theft with Trans Union and the others to reporting agencies XXXX and XXXX. I applied for a mortgage loan and as informed that I would have to have the credit freeze lifted from all three agencies to apply for the loan. XXXX and XXXX responded and lifted the credit freeze within moments. TransUnion refuses to lift the credit freeze without a pin number that they claim they sent to me on XX/XX/2018. I have not received this pin number and I have informed TransUnion daily for the past 5 business days. Each time I called I was transferred to special handling and told over and over again that the pin number was mailed out on XX/XX/XXXX and to allow seven business days for the letter to be received it has been nine business days and I still have not received any communication from TransUnion. The TransUnion representatives will not help in any other way other than to offer me another mailing of the pin number in the interim. I am losing thousands of dollars in a frozen transaction with the purchase of a new home!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Please see the attached letter. -- especially the sections about ( i ) Green Tree 's post-XX/XX/XXXX-Settlement lies XX/XX/XXXX, to the effect that my house was going to be sold at foreclosure on a " sale date '' of XX/XX/XXXX, and ( ii ) Green Tree 's utterly unreasonable proposed loan-modification terms requiring me to take on an entirely new debt to Green Tree ( of roughly {$250000.00} ) without even extinguishing the original, existing note to XXXX ( originally {$280000.00} ), which XXXX purportedly still owns. 

I am challenging the foreclosure in the District Court for the District of New Jersey, and neither that Court nor any other has ever ordered or authorized any foreclosure sale. 

Green Tree has also violated both the XX/XX/XXXX GMAC/ResCap settlement order and the 2015 settlement order by failing ( i ) to send me the mandatory package informing me that I qualify for the automatic XX/XX/XXXX " Settlement '' loan-modification and ( ii ) to send me final automatic loan-modification documents for my signature after the XX/XX/XXXX settlement, without forcing me to submit a new loan-modification application with new documentation. 

Green Tree should be held in contempt for violating both the XX/XX/XXXX settlement and the XX/XX/XXXX settlement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (MD).
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 called XXXX XXXX XXXX XXXX XXXX XXXX XXXX at ( XXXX ) XXXX today at XXXX XXXX. Spoke to XXXX ; I asked if the they could remove an error from my credit report. I told her that under the FCRA section 604 ( a ) ( 3 ), this reporting does not fall under these terms use in this case : accessing my credit report was not for employment purposes, underwriting for insurance, eligibility for a license, investor, a credit transaction and so forth. 

I spoke to XXXX and spoke to several representatives starting at XXXX XXXX today. The last person I spoke with was XXXX who advised me to contact Core Logic. This error is preventing me from obtaining credit and to build towards getting a loan for a home.

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 07/19/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Using a debit or ATM card

Complaint: I want to know why my bank does not immediately credit back to my debit card? If I pay a service with my debit card and then cancel it, it can take 4 to 5 days for that credit to show on my account? Who uses that money for those days? I am charged immediately so why not be credited the same way? The bank says it is the fault of whatever company I was dealing with, not the bank. Having been a XXXX myself, I know that transactions are settled on a daily basis with most companies so I do n't think this could be correct. Ca n't seem to get a straight answer out of Wells Fargo bank either.

Company public response: Company chooses not to provide a public response
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 KEYCORP (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The institution halted my ability utilize a private credit line based incorrect data from the credit bureaus. I have provided evidence the information utilized was erroneous. The decision to close the account negatively impacts my financial credit worthiness.

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 07/28/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Common Wealth Finance is trying to collect a medical bill that does not belong to me. Amount of debt is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Debt collection (Credit card) with Financial Credit Service, Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Hello, Today, XX/XX/XXXX, I received a phone call from " ARA, Inc. '' telephone number XXXX. The guy on the phone stated that I owe XXXX XXXX Bank -XXXX card {$6400.00}, which was a total that included balance and interest. The guy also mentioned to settle the account " Right AWAY '' with him via phone for {$2400.00} and that he will waive all the interest and charges fee. I replied by saying " NO, I do n't owe anyone anything, and I do n't recall that information. '' He said that this account was open XX/XX/XXXX. 

After that, he put me on hold and transferred me to another guy named XXXX XXXX, he wanted to settle the case for {$1400.00} if I provide him with my credit card information otherwise they will take me to court and sue me for total amount {$6400.00} plus attorney fees which will be over {$10000.00} total. 

The guy I spoke to has ALL my information such as the last XXXX digits of my SS number and my wife 's information. He also has my bank name and how much credit I have with XXXX Credit Card. He was forcing me to give him the information otherwise tomorrow morning, they will charge my credit card for {$6400.00} because they have some legal rights to do this. He told me to " Think about it '' and that this " this {$1400.00} offer is just for TODAY only '' and he will call me later. 

I received a call later from a different telephone number, XXXX, XXXX, from XXXX XXXX XXXX. I told him to send me a paper statement with this issue and he hung up the phone. 

I spoke to one of your representatives, Bureau of Consumer Financial Protection, I told her about what had happened, she said this issue seems like a fraud case and this claim is too old due to the statute of limitation in XXXX is XXXX years and now I am living in XXXX and the statute of limitation is XXXX years, if they take you to court, go to court and show the judge the statute of limitation for XXXX states. She also mentioned to file a complaint with you, Bureau of Consumer Financial Protection. 

Please I request you to look into this matter as soon as possible. 
Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Problems caused by my funds being low

Complaint: Bank of America continually uses their various account access resources ( web module, mobile app, etc. ) to display incorrect balances for my account, causing me to confidently make purchases for which there are no actual funds. These transactions results in irreparable " overdraft fees '' which are exorbitant and unnecessary. I have repeatedly asked that my ACTUAL balance be shown, that my transactions be made in chronological order, and not in a predatory hierarchy, and that transactions for which there are no funds simply be denied rather than overdrafted. When I bring up these concerns I 'm assured that my concerns will be met. I write this currently overdrawn, because an overdraft fee was issued when my account displayed one amount of money, and a purchase was made for LESS than that amount of money. I was told this was because I did n't ACTUALLY have that much money in my account at the time of purchase ... .well then why in XXXX 's name did your app, your website and your ATM all say I did??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/31/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: Bank of America Account Problem The problem occurred when my wife deposited XXXX checks in our Bank of America checking account on XXXX XXXX, 2015. She did so at our local branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The XXXX checks were in XXXX and totalled XXXX XXXX. Copies of the XXXX checks are attached. I told my wife to expect a dollar total of roughly {$1000.00} and I have attached copies of both a manual deposit slip prepared by the teller and also an electronic transfer slip, both totaling {$1000.00}. I checked my account later that day and saw a deposit of {$1000.00}. I have no idea why the cents should be different but this did not concern me greatly, I assumed that this was the deposit of the XXXX checks. I saw an unexpected correction of ( {$770.00} ) at around the same time and began to investigate this entry. When I called the service number on my ATM card I was told that it was to correct the check deposit which was only XXXX check and not XXXX. I was astounded and asked to speak to a manager to find out what was happening. I spoke to XXXX who confirmed the story about there being only XXXX check. I pointed out the deposit slips prepared by B of A in the branch and explained to her it was impossible for the XXXX check she could see to equal {$1000.00}. I explained that the deposit slip was proof that there had been another check and asked her if they could have lost it. She was indignant and told me she could do no more for me and I should go to the branch on Monday. I told her the bank had no authority to take money out of my account without my permission when I owed them nothing. I was extremely angry. Her response was- '' whatever ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Due to misrepresentation of services and fraudulent practices, we are stuck paying {$4900.00} lump sum in future monthl payments for a product we do n't use Due to misrepresentation, we were stuck in a 48 month contract that did not perform like promised. Now, we are expected to pay {$4900.00} up front. We started working with XXXX XXXX in XXXX 2015. XXXX XXXX promised in writing a 1 % rate on all CC transactions and 0 % debit card transactions. It was never disclosed that we would be working with another company ( XXXX XXXX ) We were also promised a XXXX machine that would be compatible with quickbooks for accounting purposes. We were sent a different model of key pad, but I did not complain since we were going to be saving at least 2.5 % ( 1.5 % more than promised in writing ) on all transactions. For the first few months, I noticed we were getting charged anywhere from 5 % to 9 %. After trying to get a hold of XXXX XXXX, I finally got a hold of XXXX XXXX of XXXX XXXX ( XXXX )? We had to settle for 2.5 % and 3.5 % that she refunded for a few months. Then it became difficult to get a hold of her, and we were not receiving any refunds for being charged 9 times more the percentage than promised in writing. I finally faxed a termination/cancellation letter to XXXX asking that we cancel with XXXX, XXXX XXXX ( I had just learned that they were involved in the actual contract ), and any other companies involved. I stopped payment being taken out from any companies that I did not recognize through my bank because we were n't using their services. I get a letter from XXXX XXXX about an amount owed. I called back and told them that it was cancelled due to non-performance and misrepresentation. They said that it was impossible to cancel. I was reported to the credit bureaus for non payment on personal and business and chased down by collection company Hunter Warfield. Now my business and personal credit is ruined for years and I am being forced to pay over {$4800.00} for a service that I have already cancelled and was n't performing like promised in writing.

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
Consumer complaint received 05/31/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: on both of my credit reports XXXX XXXX and Equifax is showing bankruptcy even though I dismissed that bankruptcy that the lawyer was misleading me into, and I settled the case with XXXX regarding my line of credit.Bankrupcy is dismissed and it is showing as active on my credit reports.Can it be corrected please?

Company response to consumer: Closed with explanation