milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Employment Data Reported XXXX XXXX XXXX Current Position XXXX  XXXX XXXX XXXX XXXX PA XXXX Phone Number XXXX XXXX XXXX Current Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone Number XXXX XXXX XXXX  Current Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone Number XXXX XXXX XXXX XXXX Past Position XXXX  XXXX XXXX XXXX XXXX XXXX PA XXXX Phone Number XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Phone Number XXXX XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX XXXX XXXX Past Position XXXX These are my current and past employers on my file the credit Bureaus have Employers that are not the right name nor have I work for them I have provided the right information with address and phone number to verify There is to much wrong information on my credit file and makes no sense this incorrect information or how it was obtained is wrong I have sent pictures of credit report errors and wrong changes and still month after month wrong information and not corrected right from what ever source

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 09/17/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (LA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I am filing a complainant on Midland Funding, LLC. I have sent letters to Midland Funding, LLC on XX/XX/XXXX and to the local attorney office XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX requesting debt verification on more than one occasion. They are claiming I owe {$2200.00}. Upon until  this point, they have failed to provide the correct information or documentation with my signature on it. I 'm requesting since this company have failed to provide me with the information requested, that this account be deleted and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2017 about Checking or savings account (Checking account) with Fidelity National Information Services, Inc. (FNIS) (GA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2017 I attempted to make a purchase at XXXX 's in XXXX, XXXX and pay for it by check in the amount of {$630.00}. The check was declined by Certegy, the XXXX 's vendor, and I was given a phone number to call for information regarding the decision. After numerous attempts I finally spoke with a customer representative and they could give me no specific information regarding the reason ( s ) why this happened. I received a letter from them stating that the decision was based on risk profiles established by Certegy. They stated that there was no derogatory information on file regarding me-as confirmed in their Consumer file report which is attached. To decline a transaction without reason is derogatory. To provide false derogatory information about an individual is unacceptable. Furthermore, to ignore the request to provide information that was used to that individual in order to correct a mistake is unacceptable. To share this inaccurate information/decline with another company that provides similar services which may impact future transactions is unacceptable. THis information was shared to Chex Systems Inc.

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 09/22/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian refuses to conduct their own proper investigation and to honor a District Court order ( XXXX District court, XXXX XXXX Mi. XXXX ) directing the deletion of XXXX charge-off 's from XXXX XXXX BXXXXnk XXXX XXXX and XXXX XXXX credit cards. I had filed lawsuits against XXXX and XXXX and due to these lawsuits my accounts went into a charge-off status. However, the lawsuits were settled and as part of that settlement agreement the entire trade-lines were to be deleted from my credit reports. ( see attached settlement documents ). 

However, Experian refuses to honor the court order. Here is the latest dispute letter I have attached the Settlement agreement with XXXX ( SEE page XXXX half way down ) directing removal of trade line. 
Additionally, I have Provided Experian with the case number, Court phone number to verify the terms of the settlement. but they have refused to investigate

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 01-03-2016 about Mortgage (VA mortgage) with SUNTRUST BANKS, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: On the XXXX of XXXX I made a payment for {$600.00} to my mortgage company ( SunTrust ). I made that payment using my banks web-site service. On the XXXX I made another payment using the SunTrust ( ST ) web-site. That payment got lost and they claim they never received it. I contacted SunTrust and informed them that I had a tracking number and the money was taken out of my account. ST told me they have not received it and that their web-site takes you to a third party when I make this kind of payment and they have no control over it. I was also told to fax my account statement to prove my complaint. After getting no where I was able to talk to management and I was told my second payment was mailed instead of being sent e-pay by third party which provides this service for ST. She told me that she would waive the late payment and she was sorry. On XXXX XXXX, received an email stating next payment due for XXXX 2016 is {$1100.00} so I assumed the problem was corrected. On XXXX XXXX, 2016 I received another e-mail that a payment of {$2300.00} is due now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Debt collection (Credit card) with Credit Card Receivables Fund Incorporated (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was contacted by a debt collection law firm XXXX XXXX XXXXthat I was being sued for a debt. I have never received any noticeof a letter to dispute, just a court date. I attained counsel and was represented on my behalf by counsel. The disposition was judgement for defendant, me.There was not enough and or wrong information to verify debt. I once again been contacted by the law firm stating " you are in default because you failed to enter a written appearance or by attorney the court with your defense. unless you act in 10 days from date of this notice a judgement may be entered against you. '' this letter was received XXXX/XXXX/15, judgement was entered on XXXX/XXXX/15. also letter on XXXX/XXXX/15 from law firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX asking office of XXXX to docket civil action. (? ) XXXX XXXX XXXX and XXXX XXXX XXXX have a long history of making bogus claims against individuals claiming they owe a debt and that they intend to collect by any needs necessary. There is numerous documentation about this law firm and XXXX XXXX to that claim.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: After entering some basic information into the University XXXX website, I had received several calls in a few days ' time. An enrollment counselor contacted me to ask about my interest and aggressively pursued my enrollment in coursework for a XXXX Degree in XXXX from the XXXX University XXXX forum, explaining a XXXX degree would boost my chances of getting a high-paying job in the field of my choice. The format and cost were explained and the first course started the following Tuesday. I began the coursework expecting preparatory instruction for the beginning of a career. I was, in fact, given little guidance toward a secure, high-paying job in the field and I believe the education i received in this coursework has not expanded my opportunities for a career in the way I was led to believe.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: We Continue having a credit reporting issue, from all credit agency  XXXX   XXXX , Equifax,  XXXX . Reporting that we still have an auto loan from  XXXX   XXXX   XXXX    XXXX   that no longer exist. We continue to ask this issue to be corrected without success. Any help with this problem would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: First off, thank you so much for helping me. My Cell is XXXX I have a pre-trial appointment XXXX/XXXX/2015 @ XXXX XXXX XXXX XXXX XXXX XXXX. I would have gladly settled or paid this debt if it were mine..i swear on my life. The original creditor XXXX XXXX ( i currently have XXXX credit card from them in excellent standing ) & i had never done business until 24-36 months ago, when i first obtained a credit card from them. My legal name is on everything i own, owe on, etc. as XXXX XXXX XXXX. My closest friends call me XXXX, not XXXX & i never lived at the XXXX address this account was associated with. I am being threatened by this outfit & the lawyers of XXXX XXXX, XXXX XXXX XXXX XXXX. I have had to use pto days off & pay {$65.00} dollars to file, certified letters to attorneys, for a debt i do not owe. Sorry for complaining, i try to keep in mind my blessings each & every day, but how they are doing me is wrong. I will gladly pay whatever is mine, but this is not only not my debt, it was from 10 years ago. Thanks so much & please tell me what i should do next. 
-- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Debt collection (Medical) with Overton, Russell, Doerr and Donovan, LLP (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been making monthly payments on medical bill then received additional collection bill for same company even tho I disputed the additional amounts as being incorrect. Now collection agency is filing a judgement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Unable to have XXXX, Equifax, and XXXX ( XXXX XXXX ) update my credit reports for creditors XXXX XXXX XXXX XXXX ( credit card ) and XXXX XXXX XXXX XXXX ( auto loan ) to current and correct data. I have disputed these creditors at least four ( 4 ) times in the last three ( 3 ) months. They keep sending me credit report updates that state, " Results : DISPUTED INFORMATION UPDATED ; ( OR ) DISPUTED INFORMATION UPDATED AND OTHER INFORMATION UPDATED. '' After reviewing credit reports, the information is still unchanged. 

The following creditors have been disputed with NO updates on credit reports : Creditor 1 : XXXX XXXX  XXXX XXXX XXXX ; Dates disputed : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. 
Dispute : XX/XX/XXXX and XXXX XXXX payments not " 30 days late. '' ( Actually confirmed with XXXX XXXX XXXX XXXX XXXX that they ARE NOT late. ) Creditor 2 : XXXX XXXX XXXX XXXX ; Dates disputed : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. Dispute : Data entry is not current/correct.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On the dates of  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  I have unrecognized inquiries from the following company :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , DE  XXXX  (  XXXX  )  XXXX  I have sent a letter to address listed on  XXXX / XXXX / XXXX  but have yet to receive a reply.

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 02/22/2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC ().
Issue: Fraud or scam

Complaint: Made a purchase of a puppy off a website XXXX XXXX The puppy never existed ( only pictures fraudulently used on website ). The seller was working with a non existent shipper whose website has now been suspended. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I lost a lot of money as they were very believable. Please do not respond to websites for purchase of items especially pets that you actually can, t see.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Calling while at work every 2 hours, unwilling to work with me requiring amounts of money that I can not come up with ... wants me to st up automatic payments which I do not feel comfretbale with the XXXX co signers

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Consumer Loan (Installment loan) with HUNTINGTON NATIONAL BANK, THE (IN).
Issue: Managing the loan or lease

Complaint: I created a loan XX/XX/XXXX initially with XXXX which was later purchased by The Huntington National Bank. 

The problem began in the course of a divorce settlement and I was dismissed from responsibility from the loan. I received the loan marked paid and also received a cover letter acknowledging the loan being paid in full, the letter was dated XX/XX/XXXX signed by XXXX XXXXXXXX XXXX. 

Since then collection efforts have been made and the debt is still shown as outstanding on the three major credit bureaus. 

I have the original note marked paid and the letters acknowledging the obligation being paid in full. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Payday loan () with Risecredit, LLC (MO).
Issue: Charged fees or interest I didn't expect

Complaint: This company loaned XXXX and with all the interest fees it is charging over XXXX. I have defaulted on the loan and it was sold to a collection agency XXXX. I was able to dispute the loan with this company and have it erased from my credit report, now the original lender is trying to come and collect, once they sell the loan they no longer can collect on it.

Company response to consumer: Closed
Consumer complaint received 09/18/2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (OH).
Issue: Trouble during payment process

Complaint: I had a complaint filed with PNC BANK in XXXX XXXX they closed the account - they said my name was OFF the PROPERTY. I just got another BILL from PNC for property insurance & flood insurance. I got a bill XXXX XXXX XXXX and I thought that was the last one- XXXX XXXX XXXX PNC said she took care of the matter and I get ANOTHER BILL! this nightmare will NOT END! my stress level is over the top!. I just emailed XXXX XXXX and posted on PNC Bank XXXX page plus contacted XXXX XXXX XXXX 's office - they are who got me to you to begin with. this is what I sent XXXX XXXX & posted on facebook : well I thought the matter of my name being attached to the flooded unlivable property at XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX was taken care of?!! I got ANOTHER BILL for insurance on the property in MY NAME!! 
I leave in the morning to visit my in laws - this is a just another great timing on PNC behalf! 
I will contact the consumer finances AGAIN! AND ANYONE ELSE - maybe the NEWS Stations can will be able to get this taken care of- if not i 'm sure there is an Attorney out there- i 'm sure this falls under HARRASSMENT of some type! 
I would think in all this time I have made phone calls, PERSONALLY went to the local branch, emails, and YOU giving me your word you would see to it this matter was taken care of that there should be XXXX person that can do their job and get MY NAME OFF THIS UNLIVABLE PROPERTY THAT WAS FLOODED IN XXXX XXXX & XXXX PAID NOTHING- OUR HOMEOWNERS INSURANCE PAID NOTHING - WE LOST EVERYTHING & THE HOUSE HAS TO BE TORN - IT IS NOT FIXABLE NOR LIVABLE! PNC BOUGHT THIS HOUSE BACK AT SHERIFF AUCTION GET MY NAME OFF IT! 
HAVE A REAL GOOD DAY- PNC HAS COMPLETELY TURNED MY DAY TO A XXXX ONE ONCE AGAIN! 
THANKS FOR NOTHING! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX FLOOD HOUSE XXXX OWNS ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXXXXXXXXXX I will not answer phone calls from PNC for 2 weeks as I will be with my family - email is just fine!

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Through a credit monitoring agency, I received a notice that a hard inquiry was placed in my Equifax credit report by XXXX XXXX XXXX on XXXX/XXXX/2016. Someone used my SSN to order XXXX cell phones. After contacting XXXX XXXX XXXX Fraud Center on XXXX/XXXX/2016, they confirmed I did not make the purchases and that XXXX unfortunately had already delivered the phones earlier that day to my previous address, a house that was empty. I had filed a credit dispute with Equifax on XXXX/XXXX/2016. Today, XXXX/XXXX/2016, I checked on the status of my dispute and Equifax states that the hard inquiry will remain in my credit report, even though XXXX XXXX XXXX admitted that the inquiry was fraudulent. How is it that Equifax will not exonerate an identity theft victim? What can I do to have the incorrect inquiry removed from my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Credit reporting () with Experian Information Solutions Inc. (ID).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I was denied credit, based on an Experian credit report. I quickly fill out a request for my credit report at experian.com/reportaccess, as stated in letter, and it gives me a timed out error message every time. I feel this is an attempt to block people from getting their credit reports. Error page is attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2017 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Using a debit or ATM card

Complaint: BY CHANCE, I HAPPENED TO CHECK MY BANK STMT. FOR XX/XX/2016 AND FOUND AN DEBIT FROM " THE UNIVERITY OF XXXX XXXX ''. NO ORTHER INFORMATION. I CALLED THE BANK AND WAS TOLD THEY COULD NOT DO ANYTHING ABOUT IT BECAUSE IT WAS MORE THAN 60 DAYS SINCE THE TRANSACTION. 
I CONTACTED ALL 4 BRANCHES OF THE SCHOOL SYSTEM AND THEY COULD NOT FIND THE XXXX DEBIT CREDITED TO THE SCHOOL SYSTEM. 
I CALLED THE BANK AGAIN AND THE REP SEARCHED HIS DATA BASES AND COULD NOT TELL WHAT OR WHO IN THE SCHOOL SYSTEM ACTUALLY GOT PAID. 
THE REP ALSO ASKED ME IF I HAD CHECKED WITH THE 5 OFF CAMPUS LOCATIONS. I DID NOT KNOW ABOUT THEM. THE LAST TIME I ATTENDED XXXX AND XXXX WAS IN XXXX.WHEN I TRIED TO CALL THE DIFFERENT OFF CAMPUS SCHOOLS, XXXX XXXX XXXX, THEY TOLD ME THEY HAD NO AFFILIATION WITH THE XXXX SYSTEM. I TOLD THEM THE XXXX WEBSITE EXPRESSLY NAMES THEM AS OF CAMPUS.I TOLD THEM I HAD NEVER ATTENDED XXXX.THEY TRIED TO LOOK FOR RECORDS OF ME BY MY SOCIAL AND OF COURSE THEY DID NOT FIND ANYTHING.I BELIEVE I WAS THE VICTIM OF ID THEFT.THE COMPLAINT I HAVE IS THAT BANKS SHOULD HAVE DETAILED INFO LIKE CONTACT PHONE NUMBER ON THE BANK STSTEMENTS JUST LIKE THEY PROVIDE MERCHANT AND CONTACT NUMBER ON INTERNET PURCHASES. 
YOUR AGENCY COULD HELP HERE AND GET THE BALL ROLLING TO REQUIRE ALL BANKS TO PROVIDE THIS INFO JUST IN CASE AN ISSUE DEVELS LATER. I PROBABLY CAN NOT SUE THE BANK BECAUSE EVERY COMPANY NOW REQUIRES ARBITRATION.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Closing/Cancelling account

Complaint: On or about XXXX/XXXX/2016 I had submitted a payment to Walmart but unbeknownst to me the payment was subsequently returned for lack of sufficient funds in my checking account when I was made aware of the problem which was four days after I immediately Submitted another payment which posted to my account successfully I then logged into my account to view my payment history and to my surprise without Prior Notice Synchrony Bank which is a Spin off and or Subsidiary of GE Capital Bank closed my account their reason being that this had been the second instance of a payment that was presented had been returned it should be of note that at the time the item was presented I had sufficient funds available to cover but it is my financial institution policy to pay at the their discretion if I did n't have enough to cover I spoke with an " Account Manger '' who at first said that there was nothing that she could do to reopen the account which turned out to be an outright lie because she further went on to say that the only way the account could be reopened was if i faxed and or snail mailed them correspondence from my Financial Institution stating that it was an error on their part i than received correspondence from Synchrony Bank dated XXXX/XXXX/2016 apologizing and that my account has been corrected and that I was a valued customer and they hoped that I continued to shop and or patronize them which I can not because my account remains closed this is in fact not the way you treat a " Valued Customer ''

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 04/25/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: I was issued a civil suit from MCM. I settled and made payment before hearing. They didnt contact the court house like they said i would. I payed the debt off, but on my credit score they still say i owe money and they payment amounts are wrong. I contacted them and they give me a number where i dont get any assistance.

Company response to consumer: Closed with monetary relief