milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-10-2017 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: Old information reappears or never goes away

Complaint: Seven years from the original delinquency date of the debt after which it was never again current. 

XXXX XXXX XXXX XXXX is using charge off date not original delinquency date to determine the 7 year mark and has refused to remove this old debt from my credit reports.

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 07/17/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: can not accesss free report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2015 about Consumer Loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (MO).
Issue: Problems when you are unable to pay

Complaint: Having an issue with collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Bonneville Billing and Collections (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Bonneville Collection Agency is trying to collect a debts from XXXX on XXXX court fines that were paid in XXXX. Unfortunately I threw out all records of payment about 2-3 years ago. Since no one had made any attempt to contact me in 10 years, I was certain the matters were closed. The amounts of the fines originally were between $ XXXX {$500.00} and now with 12 years of interest accrued are around {$1500.00}. 

On speaking with the representative originally she acknowledged that at least XXXX of the files was so poorly documented that she could n't understand what was owed. She also told me that it actually appeared to her that I should not owe anything to her and she would have someone else look at it. I was just contacted again and told that I needed to pay the full amount, but I refused.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (TX).
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 order an item from Walmart.com and the item was never received by be or anyone in my household. I called the credit card company to tell them that my packaged was never received by me. but they believed Walmart since walmart shipped the packaged and have tracking number but it does not have any proof of delivery. I even went as far to file a police report but they told me I could not do that since nothing really was stolen from me .walmart is telling me I need a police report which the police wont give me. so that is the reason I try a dispute with my credit card company but they sited with Walmart. what a surprise. thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: this loan company me almost 7days a week XXXX times a day. I know i owe them for my debt but harassing me constantly is just starting to upset me

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (I do not know) with Diversified Consultants, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Diversified Consultants, Inc. pulled my credit report for no reason. There was a fraudulent account from XXXX that was opened under my name, but they did not collect on it ( another company did ). So they had no permissible purpose to pull my credit. They have a consent order in place from the New York Department of Consumer Affairs concerning their handling of collections, credit reporting, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 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 status incorrect

Complaint: Written XXXX Credit several time about a medical bill but it has never but disputer dispute me sending cert. mail and fax letter and phone calls this company refuse to address my concerns. example of last letter sent : Mail XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, GA XXXX Phone XXXX XXXX Dispute XXXX XXXX XXXX This was my State treating doctor for my XXXX  injury, XXXX When I was hurt on the job at XXXX XXXX XXXX XXXX XXXX was my treating doctor. Under State Law a treating injury doctor should bill my job due to the nature of my injury under XXXX XXXX. This is a XXXX bill due to state regulation. Therefore, I am requesting this item to be remove due to the fact XXXX pass my medical bill due to injury by the State of Texas Please attach statement

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Capital one is showing an inquiry on my credit report for transunion that is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Last year I signed up for FREE services from XXXX XXXX. I was sent an email from XXXX XXXX saying that my credit score went down. So I logged into XXXX XXXX. I looked at what they said caused my score to go down and I logged off. I was charged {$2.00} to do that apparently. Where is the Free Services? 
Then 8 days later I get charged {$22.00} by TransUnion. I called them and they said by checking my credit report that day on XXXX XXXX that signed me up for credit monitoring for {$22.00} a month. 
This is ridiculous! They are taking advantage of EVERYONE. XXXX XXXX says they are free but they charged me {$2.00}. Then Transunion signs me up without my consent. I never inputted any credit card or account information with them. How did they get my account information to even charge my credit card??? They charged my account for {$22.00} without my consent. That is illegal! 
Not only can you not trust computers and identity thieves, now you can not trust the people that are your only hope of protecting yourself from identity thieves!

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 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My personal identification have been stolen. Drivers license, Social security card. All of the names of my former employers have been changed with Equifax.. All of my former addresses have been changed. My first name is spelled XXXX with vital records in Tennessee. I 've spelled it as XXXX, because of the way it 's pronounced. XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX.. I changed my name to my maiden name in Probate court when I learned I was a victim of identity theft in late XXXX-XXXX. XXXX XXXX XXXX XXXX is my former employer. In XXXX the company amended & restated my tax return and sold my first mortgage. The company is a S-corporation, they used {$53000.00} of my retirement money to make this transaction through IRS to get The Golden Parachute Tax Break. My mortgage was sold to XXXX XXXX in XXXX XXXX. My mortgage was current when sold. While at work XXXX XXXX, XXXX XXXX & many others had access to my information. It was on file, I was in a group. The company filed all of my medical claims with XXXX & XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Billing disputes

Complaint: Over the holidays I traveled and had difficulty assessing my account to pay bills through Amexs telephone billing system. Their automated system is consistently glitchy and does n't accept or recognize my account info, and boots me from the system. Their recognition software is extremely poor. And the wait times to get a live service rep are always ridiculously long. I have complained of this several times as I 'm sure other consumers have. As a result I did not pay my bill and was approximately a week or so late until I returned from traveling. As a result Amex jacked my interest rate up to a penalty rate of 27.49 percent ( almost double my regular rate ), charged me a XXXX dollar late fee and forfeited XXXX frequent flier miles. All essentially bc of lapses in their system and customer service which make making payments accessible. This is incredibly bad faith behavior, in my opinion, and given that their telephone system has always been difficult to access with poor recognition software, I feel reflects negligence on their part. I attempted to resolve it with Amex directly- again being knocked out of their glitchy telephond system several times and then being required to wait for extended periods to speak to someone- but they refused to reverse all the charges and restore my miles. Again, stemming from deficiencies in their own system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-02-2017 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Account opening, closing, or management

Complaint: Capital One mislead me and then lied to me about bank account opening bonus and is now refusing to honor the offer after I have met all the requirements for it Capital One advertised this offer XXXX and I applied for a new account recently and set up my direct deposit etc and met all the requirements for the bonus. 
I called today to check on the bonus and they are now telling me that I am not eligible for the bonus. They put out these advertisements out there and then refuse to honor them. When I opened the account, I read all the fine print of the offer and it had no language regarding there saying that it is for specific people only. They ca n't put out these offers and then deny people the bonus when they have gone through the effort of opening the account and setting up the direct deposit, etc Now they have added this to the fine print but it was not there earlier " If you did not receive an email or mail piece directly from capital one 360 with the above code, you are ineligible for this bonus offer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with DISCOVER BANK (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PINNACLE RECOVERY, INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Pinnacle debt collection company tried to collect our quarterly maintenance fee of {$370.00} ( for XXXX quarters ) and we were willing to pay the past due but they said there is an additional fee of {$120.00} for collecting service which we can not agree with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I attempted to cancel an automatic payment, but soon after another payment was taken, and the attempted cancellation did not go through their system. I asked the company to return the overpayment, and they stated that it would take XXXX days. It took XXXX months. During that time, I had {$1000.00} of bank charges for bounced transactions from my other bills that automatically were deducted from my account. This all occurred before I realized that they took the XXXX payment. They state that they did hear the recording of me asking their representative for the return of funds. They have not accepted responsibility for the bounced check fees. I requested that they add a letter to my credit report, which has been significantly affected secondary to the missed payments, which they have not done. I will file a XXXX complaint about another company that was complicent in my credit score as a result of this event.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Vehicle loan or lease (Loan) with Cascade Capital, LLC (AR).
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint: XXXX   XXXX   XXXX  charged off a voluntary repossession on  XXXX , closed the account on  XXXX . They sold the note  to Cascade Capitol, LLC  in  XXXX , FRAUDULENTLY showing a payment as having been made in  XXXX  in order to re-open the account. There was NO payment made. The y ( Cascade ) began  reporting late on our credit starting  XXXX , continuing to present date.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I obtained my credit report and discovered multiple errors. I send a letter to XXXX stating I was disputing a Bankruptcy on my record. The first letter that I sent was on XX/XX/2017was signed for. I received a letter back stating they had " verified '' this using a third party ( XXXX ). I sent a second letter on XX/XX/2017 and it was signed for, stating that I was requesting the information that they used to " verify '' the bankruptcy. Again, I received a letter saying they verified this information using XXXX, but did not provide any documentation to me as verification. I mailed my third letter on XX/XX/2017 and it was signed for and still the same answer. I called Equifax and asked to speak to a supervisor in dispute. Again, I was told that the information was verified and I was denied any proof when I requested to have it sent to me. My inquiry to the U. S. Bankruptcy Courts confirmed XXXX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. I have given Equifax multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Trouble during payment process

Complaint: STREAMLINE MODIFICATION - back in   XXXX   XXXX    Wells Fargo  sent us a letter saying they woudl lower our mortgage through an " in-house '' " steamline '' modification. The payment would have been {$3100.00} This would be much easier to manage. We made the payments according to what was said by  XXXX  over the phone. They claimed what was said over the phone was incorrect and did not honor what the rep had said. We had also made  2 of the 3  payments. The last payment hit before we had made a deposit. We called immediately and said we can take teh cash to a local bank to make the payment. They claimed since the check came back insufficuent they woudl not allow us to modify - even though we had the cash the next day. this seemed extremely unfair but they would not budge. If our payment was {$3100.00} now it woudl be much easier to pay.     MODIFICATION - So recently we tried to modify again and   Wells Fargo refused and simply said our situation had not changed enough.
INTERST RATE - We   have asked repeatedly for  Wells Fargo  to lower our interest rate down from 6.5 % to anything lowe r ( w hich would help us by making the mortgage payment lower ). They refused to modify the interst rate.     PMI - The appraisal on my home ranges from $  XXXX  to $  XXXX   (  depending on who you use  ).  I only ow about $  XXXX  on the home. So clearly I am below 80 %  LTV (  loan to value ) and I would like them to remove the mortgage insurance from the loan. I has asked them to do so over and over again yet they refuse. it is my understanding that they are legally required to do so once the  LTV is pr oven. Not to long ago Wells fargo appraised our home at $  XXXX  so this should not be difficult to prove at all.     If they would simply lower our interst rate or remove the PMI our mortgage payment woudl go down.     I request assistance with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Mortgage (Conventional fixed mortgage) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: First Tennessee Bank had this account charged off, closed, void and released back in 2012, however they continue to report this account as BALANCE DUE AND PAST DUE account on my credit report.. which is damaging my credit ratings and has been causing me a lot of financial distressed. I find this to be a violation of my consumer rights when the bank states they charged off this account, no longer want to collect on it however keep reporting it on my credit report EVERY MONTH as a closed account with past due balance. I have been trying to resolve this issue with them for 4 months now, was told to submit a request in writing which I did 4 times now ( see attached ). They claim NOT to have received my letters and NOW they are ATTEMPTING TO COLLECT DEBT ON THIS ACCOUNT BUT CALLING ME NON STOP AT ODD HOURS OF THE DAY ... .PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Payoff process

Complaint: XXXX, as a part of it 's XXXX transition, is closing my XXXX account, which is fine. Unfortunately, my last statement has a due date of XXXX XXXX but when I attempted to use their mobile app to pay my bill ( as I 've always done ), I can no longer log in. Now trying from a computer, I can not use their online system ( computer or mobile ) to make a payment either. They have deactivated my account profile, blocking my ability to make an electronic payment as I always have in the past. 

I then attempted to pay by phone, but the phone system says this is no longer an option either. 

My paper statement says I can pay by computer or pay by phone, yet when I try either method, XXXX is not permitting me to continue. I would simply mail a check, but I happen to be out of checks. Because XXXX is blocking my account from phone/web payments, despite what their statement says, I now have to go through many steps to avoid being delinquent. 

This is a rough transition and I am likely not alone in this situation.

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