milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/19/2018 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: Problem with personal statement of dispute

Complaint: In XX/XX/2018, I received a letter from XXXX indicating my {$25000.00} credit line was being reduced to {$14000.00}. 

Because I understand the ramifications of that action upon my FICO score relative to the current balance on the account ( {$13000.00} ), it would show that I was Maxed out on utilization of credit : a negative impact to me, whether XXXX states in their letter they have nothing to do with FICO, their actions do! 

In our attempt to pay down our balances, we moved ours to XXXX because it offered a lower interest rate, and for two years have successfully been lowering our debt accumulated with XXXX children. 

I was making some real progress, picking up odd jobs and then boom, my husband, unknown to me, made 2 mistakes : missing a payment, and then posting the payment to a closed XXXX   account we had. As a result of these delinquencies now - even though he made a payment ( technically ) after missing that one - they made this decision to lower my limit. That changed my utilization percent of debt from a 50 % to a 96 % use rate - which impacts me negatively on the credit report. When I called to explain all that I found out : the payment made to the wrong account - that resultant effect to them showing 2 delinquencies which really was not - husband just posted incorrectly - and subsequent reduction of limit - causing a negative impact to my credit score which would negatively impact me - asking they reinstate it - the man on the other end of the phone, rudely stated that it was my responsibility to pay the bill. His name was XXXX on the enclosed docs. I have personally been the XXXX to my mom with XXXX for the last year and XXXX children, 4 dogs, 6 cats etc. This is why my husband pays the bills. He is the income and maintains the knowledge of what needs to be paid when. I had all this going on which I explained to XXXX, further explaining that my only concern was the result of their decision on my credit report/and score/and skewing the utilization %. He didn't care. Said they had nothing to do with FICO. But they do. They absolutely do. They make decisions based on small mistakes consumers make and don't care when you point out that the payment was sitting in the incorrect account. They fixed it and moved it, once I pointed it out to them, but were unwilling to address my real concern which was the change in my debt utilization % due to their decision to reduce my credit limit, which I was not even using, due to our efforts to pay off our debt.

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 01-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Trans Union has not been able to provide me with an online view of my credit reports despite many calls and speaking to several supervisors about the issues. They continue to state they are working on the problem but there is never a resolution. This issue has been ongoing for over a year. They insist that I call in every time I need to file a dispute or apply a security freeze on 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 06-02-2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was sold without notice I found out the day before the effective date! I get my Documents online but was never notified in that method and have not seen any letters.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My credit card was used by someone else ( which I do n't know, it was all made online ). It is under investigation due to fraud and when I called Capital One they said they could take up to 90 days until they solve the issue. Also, I closed my secure credit card with them because instead they give me a credit card for people with better credit. However, in my credit history looks like I have XXXX credit cards with them. They are a mess and I 'm just trying to have a good credit.

Company response to consumer: Closed
Consumer complaint received 01/23/2018 about Debt collection (I do not know) with Ability Recovery Services, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: i have never been to this school or received anything from them

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit card () with WELLS FARGO & COMPANY (MO).
Issue: Billing disputes

Complaint: My bank account was compromised due to fraud. XXXX XXXX XXXX made me close the account and start a new account. i contact my credit card company Wells fargo Home Furnishings and informed them about it. In the past one month itself they kept running my EFT payments with the old account almost 4 times a month and then charging me a fee for it. I want all the fee waived and stop them from doing 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 monetary relief
Consumer complaint received 03/24/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (TX).
Issue: Making/receiving payments, sending money

Complaint: I GOT A PHONE CALL FROM A PERSON CLAIMING TO BE MY COUSIN FORM XXXX. I INNOCENTLY BELEIVED IT AND WAS EXCITED TO SEE THEM. THEY ASKED IF I COULD SEND XXXX DOLLARS TO THEM ( AT THIS POINT IM STILL THINKING ITS MY COUSIN FROM XXXX IN NEED ) TO SUMMARIZE I GO TO MY NEARBY WELLS FARGO WHICH I WAS ASKED TO DO SO ... I CAME UP WITH 2000 AND WENT TO A TELLER GAVE HER THE ACCOUNT # THEY SUPPLIED ME WITH AND THE NAME OF THE PERSON MONEY WAS BEING DEPOSITED TO. SHE DID TELL ME IF I WAS SURE BECAUSE IT LOOKED AND SOUNDED LIKE FRAUD AT THIS POINT THIS PERSON THAT I THINK IS MY COUSIN SOUNDED DESPERATE AND IN NEED SO I SAY YES ITS MY COUSIN SHE AGAIN ASKS ARE U SURE BECAUSE IT LOOKS LIKE FRAUD SHE WAS UNABLE TO PULL UP THE ACCOUNT AND ASKS FOR THE NAME AND SHE SAYS I FOUND IT UNDER THE NAME YOU HAVE THE LAST XXXX DIGITS WRONG AND PROCEEDS TO SCRATCH THEM OUT ON MY PIECE OF PAPER I HAD IT WRITTEN DOWN ON AND GOES FOWARD WITH THE TRANSFER. I GET BACK HOME AND THEN RECEIVE A CALL FROM MY UNCLE LOANED ME THE MONEY AND AT THIS POINT HE CONTACTS MY COUSIN AND CONFIRMS THEY ARE UNAWARE OF THE WHOLE SITUATION. I GO BACK TO THE TELLER BUT AT THIS POINT MY UNCLE WAS GONE AND I DONT HAVE A CAR TO GO BACK TO THE BANK. I DESPERATELY CALL AND AM TOLD I ONLY HAD 20 MIN TO REVERSE THE DEPOSIT SO NOW ITS TOO LATE. I GO BACK TO THE BANK AND ASK WHY IF THEY THOUGHT IT WAS FRAUD DID THEY LET ME PROCEED? THEY ARE TRAINED PROFESSIONAL I AM NOT SADLY I WAS FOOLED OUT OF 2000 DOLLARS. THE MANAGER TOLD ME THEY ALWAYS VERIFY ACCOUNT # S AT WELLS FARGO AS LONG AS YOU HAVE THE FIRST AND LAST NAME THAT I CANT DO ANYTHING NOW THEY WERE RUDE AND INCONSIDERATE NOT TO MENTION THE EMPLOYEE WAS NOT THERE TOADY WHEN I WENT BACK TO SPEAK TO THE MANAGER WHICH LOOKED SUSPICIOUS VERY RUDE MANAGER PLEASE HELP ME WHAT CAN I DO?

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Bank account or service (Other bank product/service) with BB&T CORPORATION (NC).
Issue: Deposits and withdrawals

Complaint: In XX/XX/2008 my wife at the time withdrew XXXX dollars out of my IRA acct. XXXX individual times with forged signatures infill acct was closed.I did not give her permission. During this time the banker at the time witnessed to me that my wife at the time had her totally fooled. The bank was bb t XXXX branch on XXXX nc. Bankers name was XXXX. I am seeking retribution or someone to own up to the XXXX dollar mistake

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 03-12-2018 about Debt collection (Medical debt) with Professional Recovery Management (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XX/XX/2016 the amount of the Debt is XXXX. Talk to a woman 1 time and told her that my insurance paid for that. Even the lady at the office said my insurance was taking care of that. If I would have known that my insurance wasnt going to take care of it I wouldnt have never went through with the process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I received a letter from the  National Credit System   XXXX / XXXX / XXXX  in reference to a debt from a  apt . c omplex called    XXXX   XXXX   XXXX   .  that I use to live in. In  XXXX   XXXX  or so I filed a dispute in reference to I think  XXXX  and some change that I wrote about on my credit report for which I did n't hear anything else about it so I thought this issue was over I had to put a deposit down between  XXXX  or  XXXX  and they kept it which was enough to cover the normal wear and tear of a apartment that I lived in for almost 3yrs and I took pictures of the way I left the apartment and I believe they are over charge to get more money and for National Credit to send a letter stating that they would put liens on my property, garnishes wage and take me to court to get more from me and it was in my best interest to contact them. I felt their letter of intent was rude and illegal and I am not sure how companies get away with this behavior but they need be shut down by the federal government and the money they are claiming I owe I do not and it was stated in my explanation on my dispute that I did with my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2016 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was settled with a debt collection agency. The cc company XXXX XXXX has sold the debt to another collection agency. The new collection agency is trying to collect a debt.

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 08/21/2016 about Credit card () with CITIBANK, N.A. (MI).
Issue: Other

Complaint: After going through my credit cards I could n't figure out why my Best Buy credit card balance was not going down even though I had been paying {$100.00} a month for over 3 years. I never paid close attention to the balance because I had continued to charge items as needed. I was notified that my promotional period was ending on my card and I would be charged an additional {$1000.00} if my promotional balance was n't paid. After deeper investigation of my bill I called a phone number where it listed I was paying a {$30.00} fee per month. The man on the other end explained that I have been paying for a debt protection service since 2011 that I never agreed to. NO WONDER MY BILL WAS N'T GOING DOWN! After reading online I realized that I was not the only one scammed by this and I need help in rectifying this issue and getting my money back. It turns out that many people have been scammed in this same way because the service is added on by a sales rep or in some back ended manner without approval from the card holder. I was never notified of the fees when I signed on and I pay my bill paperlessly. This is a true reflection of consumer gouging and taking advantage of people. It is a crime that I insist must be investigated and repaid.

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 10/19/2015 about Mortgage (Other mortgage) with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2015, I visited Banco Populars Loss Mitigation offices to apply for an alternative [ toforeclosure ], since I was unemployed and my mortgage loan is in arrears, and I want to keep my home. 
To this day, XXXX XXXX, 2015, I havent received any notification from the bank. I didnt receivenotification within five working days of filing the application, and now more than 30 days have gone by, and I havent been informed of any decision. I am including a complete timeline of my case. 
I hope you can help me, because I dont want to lose my home, and I want banks to learn to treat theircustomers well. 
Thank you in advance!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This is a complaint stemming from the Equifax security breach reported in XXXX 2017.
I have had to place a fraud alert on my credit history with all credit bureaus. This is going to cause delay in the financing process as I am currently working to purchase a home in a highly competitive market. Sellers in my area are closing from many many offers from buyers and time to close is becoming a huge differentiator in this market. Due to this incident, my time to close will likely be delayed due to the fraud alert requiring additional verification on any credit inquiries. This can make the difference between my family being able to purchase the home of our choice or not. 

As this was a direct consequence of what appears to be negligent security practices on the part of Equifax, it is not out of the question to ask for some remuneration to offset the possible lost time and lost opportunity that we will now experience in buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (I do not know) with USCB Corporation (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i just saw the debt pull up no inquiry i am unaware of  XXXX  college or the collection agency i filed a theft report this is not my debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Debt collection (I do not know) with GMA Investments, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am receiving calls from " Summit Receivables ''. Their phone number is XXXX. I do n't answer these calls because I believe them to be fraudulent. A woman leaves a message on my voicemail stating that I spoke with someone in a different department and left a negative impression, so things do n't look good for me. She also says she does n't have much time to resolve my debt issue and that she 'd appreciate a prompt call back. She says this is an attempt to collect a debt. 
I have n't spoken to anyone at Summit Receivables. I do n't have any outstanding debts. I have a good credit rating and I check my credit report with a service every three months. I hope something can be done about this terrible company!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 06/13/2017 about Debt collection (Other debt) with The CBE Group, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received an email from this company telling me that I owed them a debt and that I gave them permission to contact me via my email and I did not. I could not access the content of the email so I called the company. I instructed he representative that I did not know what the alleged debt was in regards to and he kept trying to get me to set up a payment arrangement for a debt that is not mine. I refused and told him that they were no longer allowed to contact me via phone or email but throu gh US mail only. I instructed him to send me everything the had in regards to the debt so I could review  it

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 10/20/2015 about Prepaid card (Mobile wallet) with Empowerment Ventures, LLC (VA).
Issue: Fraud or scam

Complaint: RushCard informed us on an update to their systems that would take place for 5 hours. As of this writing ( and 8 days later ), there are still thousands without their money. Their customer service lines either ring busy, disconnected, or with hold music that 'll last for an hour before another disconnect. This has happened for days. The only updates ever provided from the company regarding this are delivered via ONLY XXXX and XXXX ( and XXXX XXXX ' Instagram ). This has caused an outcry on social media as some uses have been without money even prior to the update.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/15/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I applied to pay my loans through XXXX. During the application period I had XXXX payment to make, but was advised by the FedLoan Servicing not to make this payment because I would be placed on administrative forbearance while my application was being processed. However, FedLoan later decided, without notifying me, that I was not eligible for administrative forbearance, which let my account slip into past due. I noticed this on my own, again receiving no notice from FedLoan, and called FedLoan to figure out why the account was now past due. A FedLoan employee advised that the paper work for my administrative forbearance was not correct and that he would re-do the paper work so that administrative forbearance would be applied and my loans would not be past due. Again, this never happened and I was not notified until my account was now 90 days past due. FedLoan reported the 90 day delinquency to the credit bureaus and my credit score drop from XXXX to XXXX. Shortly thereafter, my XXXX application finished processing and the previous payment that I owed ( and was falsely delinquent ) was removed from my balance. I never had to pay it, once the XXXX application processed. However, the damage was already done as FedLoan falsely reported that I was 90 days delinquent and my credit score has gone from Good to Bad.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (PA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: XX/XX/XXXX I applied for the America Express " XXXX XXXX XXXX '' card. I was declined with a credit score of XXXX as I am a XXXX building credit. I feel that the selective process in which America Express used to decide my creditworthiness was not fair. I am a XXXX XXXX in my late XXXX. Honestly, from my perspective, the credit industry as a whole is flawed to the point that it is a disgusting degenerate sore in our society. The percentage rates for people building credit are unfair to the point I feel like a third class citizen. This feels as if the credit industry has the right to be credit XXXX for the lack of a better term. I contacted American Express on XX/XX/XXXX at approximately XXXX XXXX. to dispute the declined status on my creditworthiness as I do not agree with it. American Express listed off several reasons why they declined my application for credit ; the most I took away was that my credit score of XXXX was not good enough, and the representative said those exact words.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Transunion is reporting a public judgment on my pristine credit report.     This is misinformation. This small claims action was filed by a company that had no legal authority to do so. Is n ot manager or  owner of property as falsely stated on petition.   XXXX  I am in the process of challenging the procedure.   XXXX  I was under the assumption that this public record would not be a facet of a consumer credit file as of  XXXX   XXXX ,  2017 .   XXXX  However, Transunion continues to report this inaccuracy ' I have notified the company previously without resolution.

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 03/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I canceled my cell phone service with XXXX because they misrepresented a feature they offer they said for a additional {$10.00} a month I can have service without borders in XXXX and XXXX I accepted and paid {$10.00} every month a year later they said I violated a term then they said the phone that was using this feature was costing them to much money so they were going to turn it off so when they turned it off I changed providers I was under no contract with them so when I received their final bill I established a payment arrangement they agreed I made a payment and they still sent my balance to a collection agency there was a payment arrangement in place??? hope you can help 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 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I reached out to Experian about someone elses name appearing on my credit along with that persons collection account was told it was a records error call back in 3 days. 2 weeks later no resolution..

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