milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Dear XXXX XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX/XXXX  XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX/XXXX XXXX XXXX they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX/XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Pursuant to new CRA guidelines public records in the form of tax liens should possess the following information DOB and/or SSN. This information is not being accurately reported on my credit report and is therefore out of compliance. I would like for this tax lien dated  XXXX  2016  to be deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with WINN LAW GROUP, APC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Winn law group bought a 10 year old judgement from XXXX XXXX. Never informed of anything and had never heard of Winn before they stole all the money out of my bank account on XXXX/XXXX/2016. Called them, they informed me that I was returning my own mail. That 's a lie.I understand that Winn is a form of a boiler room for layers, I get that. They have more than doubled the debt, and I have no clue where to go from here.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Deposits and withdrawals

Complaint: This is my complaint I sent Bank of America : Why does it take so long for merchandise that I purchased using my debit card and pin # several weeks ago to clear or continues to pend, thereafter deducting funds from a new deposit? 

Based on my salary and infrequent pay periods I am the working poor and a college student, So I have to maintain meticulous records of all my transactions and after auditing my account it is unnecessarily below the amount I have calculated due to these pending transactions when the first several deposit ( s ) of funds were clearly available at the time my card was swiped. If this was n't true I would n't be able to make any purchases not even with " credit ''. 

In the end, with no fault of my own, I become the victim of overdraft chargers and/or insufficient fees shifting money from my savings account to clear transactions I assumed were cleared in good standing. 

I am scared to touch the same money I earn and deposit because I feel like I am doing business with a loan shark. 

Please help me to understand how BOA conducts business regarding my concern.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XX/XX/XXXX I have be unemployed for longer that 24 months I can not get a good job to start my life over. do to unfavorable credit history.I i would like all negitivative and incorrect data to be deleted.I have enlisted a companies help to remove all these charge off and inquies account.They have been unsuccessful. 
charge off XX/XX/XXXX XXXXXXXX  XXXX XXXX, {$6000.00} reported as chageoff, not removing incorrect information. 

XX/XX/XXXX XXXX  XXXX, {$5900.00}, reported as chageoff, not removing incorrect information. 

XX/XX/XXXX XXXX XXXX XXXX, {$3800.00}, reported as chageoff, not removing incorrect information. 

XX/XX/XXXX, XXXX XXXX XXXX, {$2300.00}, reported as chageoff, not removing incorrect information. 

XX/XX/XXXX, XXXX XXXX XXXX, {$8500.00}, reported as chageoff, not removing incorrect information. 


XX/XX/XXXX, XXXX XXXX XXXX XXXX, {$9500.00}, reported as chageoff, not removing incorrect information.

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 02/14/2017 about Bank account or service (Checking account) with M&T BANK CORPORATION (OR).
Issue: Deposits and withdrawals

Complaint: My name is XXXX XXXX and I work with XXXX XXXX XXXX. XXXX XXXX and her daughter, XXXX XXXX, have hired our firm to work on their behalf to recover stolen funds at M & T bank. I am acting as power of attorney. XXXX and XXXX have signed all necessary documents to assign power of attorney to our firm but M & T will not honor the power of attorney documents and so far has refused to speak with our firm about the issue. 

Someone stole checks from XXXX, forged them, and then cashed them. XXXX mail was diverted by the thief and the fraudulent checks continued to be cashed. The total is in the XXXX dollars. M & T refuses to reimburse the funds under the Electronic Funds Transfer Act and has only offered XXXX a very small amount of reimbursement. So far M & T has refused to put their denial of reimbursement in writing. The fraud was reported to M & T on XXXX/XXXX/2016. 

M & T made no effort to contact XXXX, or compare the signatures on the checks with XXXX true signature. The signatures differ substantially. The checks were also outside of her normal spending habits but M & T still continued to do nothing to protect the funds or verify the legitimacy of the checks. XXXX has not given M & T any permission or authorization to honor these fraudulent checks. 

M & T has stated to the victims that they would speak with our firm regarding this issue but has so far refused to return calls or letters. 

XXXX is XXXX years of age and her nest egg to live on has been cleaned out. We urge M & T to reimburse the full amount of the fraud and go after the perpetrator for restitution. The perpetrator has been arrested and is awaiting court proceedings at this time.

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 01/20/2017 about Consumer Loan (Installment loan) with AmeriCash Holding LLC (MO).
Issue: Problems when you are unable to pay

Complaint: The company keeps calling my workplace even though XXXX have demanded that they stop. It has caused me much embarrassment from my staff members as well as comments about me by them. I am uncertain if my references have been getting the same calls or not.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX Bankruptcy filed XX/XX/XXXX- property surrendered in bankruptcy. Lender and XXXX notified. 
Lender sold mortgage to : Nationstar Mortgage , LLC, XXXX, TX XXXX - on XX/XX/XXXX. 
Nationstar was notified by Certified Letter dated XXXX. The property had been surrendered XX/XX/XXXX bankruptcy. 
XXXX attorney has filed charges and obtained judgment based on incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Bank account or service (Other bank product/service) with PNC Bank N.A. (MD).
Issue: Account opening, closing, or management

Complaint: Our father passed away XX/XX/XXXX. XX/XX/XXXX, he completed paperwork at his bank, naming his XXXX natural children, my sister and myself, as Pay-On-Death beneficiaries on his checking account with PNC Bank. My father had no mental or memory problems, especially when it came to his money. He kept a close eye on everything. Upon presenting proper identification and the death certificate to the bank, they would not allow us to take out the money. Over the last 5 weeks, the bank manager, XXXX XXXX, has given different excuses. First, it was that we had to wait for Social Security and his pension to be returned. Then she kept telling us she had to have authorization from her " higher ups '' because the account held over {$20000.00}. She then added that our step-sister ( who is co-representative of the will ) but is not now nor has she ever been on this account, has to sign off on it before we can withdraw any of the money. On XX/XX/XXXX, I called and she gave me the same excuse and when I asked to talk to one of these " higher-ups '', she told me that the step-sister ( she used her first name, XXXX ) was contesting our right to the account, and that the account has been frozen. When asked why we were not notified of this by bank headquarters or by an attorney for the step-sister, I was told that she could not discuss any of that with us. She told me this 3 times, then basically hung up on me. Since then, my sister, who is on the account as a POD, went into the XXXX, Maryland PNC branch, and was told that in internal notes a XXXX XXXX XXXX had asked for a hold to be put on the account XX/XX/XXXX to allow her to make sure my Dad had signed the papers and that he had not done so under duress. My sister informed them who she was, showed her ID, the death certificate and a bank statement showing her as a POD. She told them the person who did this definitely was not her. She questioned if they had verified this person 's ID and the bank quickly changed their story, and the internal bank notes to state it was the step-sister, XXXX XXXX who requested the hold. After almost three ( 3 ) hours, my sister left the bank with no money and was told no one was allowed to discuss anything with her, and that she should probably contact PNC Corporate Customer Service in XXXX. Upon doing this, she was told that there was no one who could talk to her and she should communicate with her local branch. Then he changed his tone and told her that her lawyer should contact Corporate. Contrary to us being told that " XXXX '' had requested a hold, PNC is now stating that they put the hold on the account on XX/XX/XXXX, in order to do an internal investigation to be sure they had done nothing wrong. In addition, my sister has numerous health problems, and the stress is definitely causing her more problems.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been struggling financially for years to pay my loans. I originally called XXXX XXXX at the time, and was advised that I could either do a deferment or forbearance. But was advised forbearance was the better option. Since then I have continually filed forbearance. I have seen a lot of interest added on to my loans since then, and wonder if I will ever be able to repay all the debt, if at all. My loans originate from going to school at XXXX XXXX, and XXXX XXXX online.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Jim Bottin Enterprises, Inc (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Some fitness company is calling claiming there is a problem with my account. I do n't have a membership. They call during my work hours non stop.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: there are names or alias on my credit report i never used ... also ... an address i never lived at or had

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (UT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have tried multiple times to contact USAA to have them remove an account that shows a balance of {$550.00}. What happened was I lost my card and I guess when that happens they open a new account. So I have this random account that is 50 % of the limit that is hurting my credit and showing a payment is due. I have disputed the item twice with all three bureau. It looks like XXXX removed it but it is still showing on both XXXX and XXXX. This has been going on for over a year. I figured I should submit a complaint because I need this fixed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XX/XX/XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX added the following unauthorized charges to my credit card account in the amount of {$3700.00} during transaction : The following items have been marked on as Not Receivedmeaning items were not requested for purchase, but appeared on an unsigned invoice and physical product was not given or sold to customer. 
1. XXXX XXXX XXXX XXXX {$270.00} 2. XXXX XXXX XXXX {$240.00} 3. XXXX XXXX XXXX  XXXX {$100.00} 4. XXXX XXXX XXXX XXXX XXXX {$190.00} 5. XXXX XXXX XXXX XXXX  XXXX {$190.00} 6. XXXX XXXX XXXX {$170.00} 7. XXXX XXXX XXXX XXXX XXXX {$2000.00} 8. 
I contacted XXXX XXXX of XXXX via phone who assisted me during my visit at the store. I made the call on XX/XX/XXXX at XXXX at XXXX to let him now the issue with billing. He told me that that I am mistaken and was not receptive to my explanation. The following are dates and times I called XXXX in an effort to rectify my being charged for merchandise I was never sold : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX The Merchant refused to assist me and denied any wrongdoing. 

At this point I initiated a fraudulent dispute claim with CapitalOne Credit Card ( this was the card used for the transaction ) CapitalOne Credit Card provided me with documentation that XXXX  have provided to support their case for valid charges on my account. Upon reviewing the documentation submitted by the merchant, XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX it became apparent that the copy of receipts presented fraudulent signatures that were duplicated Im two separate days and in two separate timestamps along with falsified subtotals.

CapitalOne Credit Card sided with the merchant an overturned my fraudulent dispute claim in their favor despite the obvious falsified documentation submitted. 
CapitalOne customer service informed that despite the documentation submitted by the merchant present as falsified, XXXX is the one that is accepting the merchant documents that includes falsified signatures and timestamps, dates and incorrect subtotals.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Upon receipt of the enclosed notice, I am sending this letter to regarding my response to ( See Enclosed file Attached ) notice I received from Enhanced Recovery Company , LLC on XX/XX/XXXX. First and far most, this appears to be a fraudulent statement. Any one or any agency can submit an invoice of this nature to a consumer demanding a payment from a company. For example, according to this questionable billing statement, implies this service could have possible been provided to a XXXX - Here is my advice, Please provide consumers with specific details for the address as to where this service was provide. Next, I never received any Billing Statement from XXXX saying that I still owe this amount after closing the account XX/XX/XXXX. XXXX XXXX years ago ) Furthermore, I am in dispute of any XXXX XXXX provide during this time, since there have been reports released alleging " A class action lawsuit filed in Superior Court accuses XXXX of unfair and deceptive business practices, claiming the company charges customers for services they did not receive during time periods in which their XXXX services were suspended and/or disconnected. '' XXXX of consumers have been harmed financially and emotionally by their illegal and unethical practices. What many consumers may not realize is that they have legal rights. 



Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair CREDIT BILLING ACT, and validation is requested. Also, this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am writing to dispute the following information in my file. Attached please find copies of the credit reports and court documents. This item : Judgment ( docket # XXXX ) on the lien amount for {$69000.00} recorded on XX/XX/XXXX is improperly designated to the wrong XXXX XXXX. The social security numbers of both mine and the correct XXXX XXXX XXXX Not match as seen on attached Complaint & Note dated XX/XX/XXXX, which would have made me XXXX years old. I am requesting that the lien be removed from my report immediately.

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 05-04-2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed several items on my credit report that are the result of someone using my information for XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I have a phone through XXXX XXXX and have had cable at my address for several years in my wife 's name. I have disputed these items several times and called XXXX XXXX XXXX etc. and they have removed these due to fraud. Yet a collection agency still is trying to collect for all of these. I want them removed ... .or proof of my drivers lisence used with my picture on it. All of the phone companies and cable company do not require photo id ... .and these are not mine. I want proof this is me, or remove them immediately. What ID was used to open these accounts???? Also XXXX XXXX XXXX?? There is not even a XXXX XXXX XXXX in the state of Washington ... .I have never lived anywhere but here and this account is fraud. What information was used to open these accounts?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2017 about Debt collection (Other debt) with The Phoenix Recovery Group (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In  XXXX    XXXX   I reviewed my credit report and notice an account that was not accurate to me. I mailed a validation letter on  XXXX   XXXX ,   XXXX   requesting the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent.   To date I have not received a response from  Phoenix Recovery Group  regarding the account they claim I owe them. I notice that the amount owed to  Phoenix Recovery Group  from  XXXX  to  XXXX  has changed significantly. I am requesting that they send me information regarding the account or remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Bank account or service (Checking account) with U.S. BANCORP (IL).
Issue: Problems caused by my funds being low

Complaint: I called the XXXX number because they were several {$36.00} fees on my account. I have n't called to have any of the fees waived on my account in years. I am disable and I asked the young lady XXXX employee # XXXX could she waive any of the fees. XXXX advised me that US Bank do n't waive any fees. When I asked her for a number to someone that I could speak to that 's over her. She gave me a p.o.box nnumber. I have been a customer at US Bank for over XXXX years and have even recommended family members to open up an account. I felt that the young lady was very rude and was n't even trying to work with me. To loose a customer that 's been a customer for years over {$72.00} fee is insane. Before I became XXXX I worked with many customers in order to make them happy. An employee like XXXX employee # XXXX could give US Bank a bad name with consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief