milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had a collection account for XXXX fall off my credit report in XXXX 2015, as of XXXX XXXX 2015 XXXX XXXX. XXXX put it back on my credit report as a new collection and date, My score when dropped went up, now it is back down with only this collection ruining my credit.. 
Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Alliance Data Card Services (NY).
Issue: Unexpected or other fees

Complaint: I used  Paypal to s end {$25.00} to someone. It was not clear to me that credit was being extended ( I had linked by bank account ). I got emails that my account was due, but nothing to the effect that major fees were being accrued. I figured, given usury laws, the most I 'd be charged would be 22 %, so {$5.00} of fees. Today I find out that I owed  XXXX  {$35.00} fees and  XXXX  {$25.00} fee, for a total of {$95.00} of fees and charges for just {$25.00} sent. This is crazy. I called the company, and spoke to "  XXXX  '' who was rude and condescending, and basically laughed at my plight. I think Paypal is harming consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/19/2017 about Credit card or prepaid card (General-purpose prepaid card) with Empowerment Ventures, LLC (MO).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: Hello, Yesterday ( XXXX ) afternoon, around XXXX cst, I attempted to transfer money from my " XXXX XXXX '' to my main account. I have since tried multiple times without gaining access to my funds. XXXX XXXX allows me to budget during each week. The money is still in my account & visible but I can not spend it until I transfer it back to the primary account. I have continuously received an error stating the feature is not currently available via app & their website. I have contacted them by phone, unable to get to a live person, by email which advised me that service was also down after I pushed send & through their XXXX customer service & received an auto reply. All without getting an answer. There, on XXXX, I saw others were having the same issue, some had not received their direct deposits as of last night. I just need access to the last of my funds, {$50.00} before I end my relationship with this company. Thank you

Company response to consumer: Untimely response
Consumer complaint received 03/21/2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX  XXXX XXXX  is on my credit report 3 different times for the following amounts. {$310.00}, {$280.00} & {$280.00}. I do not owe this company and have no signed contract with them. They are also not licenced to collect in the state of Texas. No debt validations has been provided to me. I asked that this get removed from my credit report as it is not my debt. Thanks

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 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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: On XX/XX/XXXX I sent a letter to XXXX, XXXX, and TransUnion for this inaccurate account that I found shockingly showing on my credit report. XXXX  could not verify the account with the third party collector to be valid so they removed the item. XXXX  and TransUnion responded that they verified the account and all of it's information as 100 % accurate, 100 % timely100 % verifiable, and fair based on the FCRA. I also contacted the collector at the same time directly to ask for validation of the debt per section 809 of the FDCPA and to date have not received any literature or correspondence back from XXXX the collection agency as well and it is not XX/XX/XXXX. That's well over the 30 days for validation by a collector. How is it that XXXX  could not verify the debt and I can not get the debt validated by the actual collection agency XXXX but XXXX, and TransUnion claim they did a honest investigation and found the debt as verified on all level of compliance according to the FCRA.

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 01-01-2018 about Debt collection (Credit card debt) with Dickinson Financial, LLC (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have a case with XXXX XXXX XXXX. According to the online court record, they tried to send me letter/correspondence on XX/XX/XXXX. I did receive information that they wanted to communicate with me electronically. However, I could not access their request due to a name change. The letter specifically stated that if I did not accept the electronic request, they would continue to communicate with me via mail. I could not and did not accept the electronic request. I did not receive any further communication from this company. Last week I got notification from my employer that they were required to begin withholding my wages. I had to go on to the WI Court website to locate the response form, as my wages are exempt from garnishment. I was not notified by the creditor of the garnishment or given the proper time frame or documentation by them to file my response. WI state law requires that they notify both me AND the employer. They only notified the employer. They also updated my address on XX/XX/XXXX, per the WI court reporting website, to an address I have not lived at until XX/XX/XXXX, which is stopping me from getting proper mailed documents, if any were sent, which according to the court file, none were. I did call in XX/XX/XXXX and left them a message in reference to stopping communications with me at work. After that, it feels that their debt collection practices became almost retaliatory in nature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (CA).
Issue: Trouble during payment process

Complaint: Bank purchased my mortgage from XXXX XXXX in XX/XX/XXXX. On the XX/XX/XXXX mortgage, they attached an " other fees '' quantity of about {$15.00} to the charge. I called and they told me that they were charging me for a " property inspection '' that they had to undertake as part of their purchase. When I protested, they told me that I had signed original paperwork allowing for the unlimited sale of the loan. I responded that I had not signed anything accepting costs incurred by the company purchasing the loan during the course of their purchase. They then removed the charge but told me I was no longer eligible for any further " charge forgiveness '' associated with this account. The small amount of money relative to the loan, and the lack of any notice to me that they were doing the " inspection, '' as well as the opaque labeling of the charge on my statement as " other fees '' clearly identifies this as a common theft of money from home owners technique by this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: In the case number referenced above the creditor XXXX loan servicing was deleted from my credit file. As of XXXX/XXXX/2016 the creditor was placed back on my credit file without notice from equifax information services llc

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Sent Trans Union a n otarized affidavit signed by the bank. Requesting to be provided proof I consented to the inquiries via FCRA sect ion 609 and 605 as well as the accuracy of this inquiry via FCRA section 623 .  If you have no proof immediately of any or one, I would like it removed immediately. Trans Union has refused to provide the proof under the FCRA section 609, 605 as well as the accuracy via FCRA section 623.

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 07-03-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I attempted to obtain a credit report from Equifax ; however, I could not due to Equifax not being able to verify my identity. When applying for the report, I was presented a list of identification questions concerning previous addresses that I have never resided, a middle name not belonging to me, and a mortgage that I have never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX in turn sent this unverified account to a National credit Systems , Inc and which they have not provided me any Contract or Lease to verify that I owe to XXXX credit Bureaus XXXX. There is n't any proof of what there claiming

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Shopping for a loan or lease

Complaint: i applied to my bank for approximately the last 20 years capital onebank for a used car loan of approximately {$10000.00}. now I have acredit rating of about XXXX, had over {$30000.00} in my capital oneaccounts, had about {$12000.00} left on an original mortgageof {$130000.00} on which I had made additional principal payments onsince its origination. I was insultingly rejected for a car loan forreasons that made entirely no sense at all XXXX being " too manymortgages '', when I have XXXX and only XXXX and had not had another inabout 30 years. I went to my local capital one bank who could notunderstand the reasoning for rejection just as I could not. it made nosense. even brought it to the manager while I was there and hecould not make any sense out of it, but also acted like he couldcare less. it was after all. only a {$10000.00} loan. well I could not carethen what bank I did my banking with either and told them I willwithdraw all my assets from capital one. I came back a week laterand did just that. the representative asked me why and needless tosay I gave him an earful. I still ca n't believe they would let a 20+year loyal customer just walk for no good reason, but they did. 
I reported this to the division of banking or whatever and alsoconsulted legal that 's how insulted I was. I now have XXXX and very happhappy but still bitter at my treatment by capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I never finished the program and never received a refund. I am on an income based repayment plan and it still showing on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Debt collection (Other debt) with LJ Ross Associates (PA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: On XX/XX/2018 at approximately XXXX XXXX ( eastern ), I ( XXXX XXXX XXXX ) called LJ Ross ( XXXX. XXXX XXXX , XXXX, XXXX XXXX, XXXX, MI XXXX, XXXX ) and asked to speak with a supervisor. I was transferred to a supervisor by the name of XXXX. I related to XXXX that I was unhappy about the communication that one of his representatives had with my father ( XXXX XXXX XXXX ). I advised XXXX that someone called my house last month and that they shared the debt amount ( {$1600.00} ) and the debt originator ( XXXX XXXX XXXX ) with my father via oral communication at my home phone number of XXXX. 

I asked XXXX to research who made the call, XXXX stated that the call was made by XXXX on XX/XX/2018 at XXXX. I then asked him why they would share that information with my dad. XXXX said that my dad must've said he was me. I advised XXXX that my dad would not do that. 

I then asked him that when I call the XXXX # to call in, that I am asked to verify my LJR Account # ( XXXX ) and the last four of my security number every time. And I asked him why his representatives when calling out, don't follow that same practice. XXXX stated to me that he was unaware that the touchtone prompts at the XXXX # ask for a persons last XXXX of their social and then said that they do verify name and addresses, but don't always verify the date of birth or social security number when calling. 

I am highly upset with their practices and sharing the information with a third party. As I informed XXXX that it severely impacted my relationship with my father and that because of this ; I will be filing a complaint. He said that he will look into it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Debt collection (I do not know) with Harris & Harris, Ltd. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: for several months we are getting calls from Harris and Harris several times a week. We did call back XXXX, the debt belonged to someone else who does not live or has ever lived at that phone number. we informed them and asked them to stop -to no avail

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (OH).
Issue: Loan servicing, payments, escrow account

Complaint: on XX/XX/XXXX we paid our regular mtg when we did evidently the teller ran the pymt wrong left out our credit life ins noticed the error when received our monthly statement contacted us bank at XXXX said was ran towards principal put in work order XX/XX/XXXX talked to a XXXX on XX/XX/XXXX went I XXXX branch to pay XX/XX/XXXX pymt asked teller if error was corrected said talk to XXXX she called mtg department they stated they had ra n it towards interest this time ran twice wrong making pyt appear late and more than then accuatall due ex pymt {$580.00} plus XXXX equal {$620.00} ast due asked for copy of all transactions to be sent to me on XX/XX/XXXX as of XXXX nothing has been received.XXXX at XXXX branch said another work order would be sent in making XXXX work orders for the same problem making us owe more after we paid the pymt than before the pymt was due. 

problem number 2 received letter dated XX/XX/XXXX received XX/XX/XXXX from us bank stating they had reviewed our acct russ consultating phone number XXXX issued a credit tour account on XX/XX/XXXX toward principal for reremediation harm received a XXXX amt of int of XXXX amt applied was XXXX problem never notified in beginning this amt had been added to our acct called XXXX XX/XX/XXXX stated it was for invoices for qualtity assurance as thirdparty for us bank problem 3 have received XXXX different mortage with different interest and different balances last one recived on XX/XX/XXXX withn yet another different interst amount and different balance on acct if you take the previous mortage interest statement it is the difference of {$440.00} which is the balce credited on XX/XX/XXXX added back on to our acct

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I need your help in getting these incorrect name spelling removed from my credit file : XXXX, 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 non-monetary relief
Consumer complaint received 07/25/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (CO).
Issue: Money was not available when promised

Complaint: My Name is XXXX XXXX Western Union was supposed to transfer some money for me to the XXXX XXXX. They did not complete the transfer and they refused to reimburse me. I sued them in court and I was awarded the money plus court costs. I sent them a copy of the court decision with the amount of money they owe me but Western Union has been giving me the run down. Every time I call them, a new person sends me to another new person that tells me they will get back to me. My case number with Western Union is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Debt collection (Medical) with Healthcare Collections-I, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was not living in Arizona during the dates reported. I have requested verification of debt and detailed bill, with my signature and insurance information and have not received any.

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 06/21/2016 about Credit card () with WELLS FARGO & COMPANY (AZ).
Issue: Advertising and marketing

Complaint: I did not get anything other than the logo that I was promised. 

XXXX/XXXX/XXXX : Press Release XXXX log on info provided ( so I could write my own press releases ) XXXX/XXXX/XXXX : Provided a press release for XXXX which I edited and returned on the same day XXXX/XXXX/XXXX : One article for XXXX ( XXXX Article ) - Problem : the article promotes a watch I do not have for sale on the site XXXX/XXXX/XXXX : Provided the revised version of the Press Release sent XXXX XXXX XXXX/XXXX/XXXX : Provided a second article for the XXXX site XXXX/XXXX/XXXX : Provided a third article for the XXXX site that is promoting the same item the second article had promoted XXXX/XXXX/XXXX : I sent an email requesting clarification with regard to what exactly they were supposed to be providing per our agreement XXXX/XXXX/XXXX : They responded to the above request by directing me to contact their fulfillment department XXXX/XXXX/XXXX : I received XXXX Article # XXXX to which I sent a response asking what I am supposed to be doing with the articles and where the press releases are sent along with the question : do I send them out or do they. I further expressed concern over lack of communication and my inability to contact them by phone ( I have forwarded that correspondence to XXXX office. ) XXXX/XXXX/XXXX : I was provided with the final logo for XXXX XXXX/XXXX/XXXX : I received a response as to why XXXX Articles are important, but not explaining what I was to be doing with them. They also included the fifth XXXX Article. 

XXXX/XXXX/XXXX : I responded to the XXXX XXXX email from them and asked for more clarification XXXX XXXX - XXXX XXXX Multiple back and forth emails attempting to schedule an appointment with no luck.

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 06/20/2017 about Debt collection (Other debt) with Amsher Collection Services, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Amsher Collection Services  is attempting to collect a debt that they claim I owe to  XXXX . My account with  XXXX  is current and I do not owe them {$1500.00}, as  Amsher  is claiming. Amsher does n't even have a file number for this alleged debt.  Amsher  has not sent me correspondence or invoices in attempt to collect this alleged deb t. Amsher has ne ver contacted my by phone, email or mail with regard to this alleged debt. The only reason I know  about Amsher is  that I just happened to check happened to check my credit report last week and saw that they had placed this account on my credit report. They claim that it 's been since  XXXX   2017  but I have never received anything from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XX/XX/XXXX my loan at the time should have been in deferment and i was told that it will be update. So I ran my credit today XX/XX/XXXX and my credit report shows a negative stating my Payment history guide shows 60 days past due as of XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX which is hurting my score and I cant get a home loan or life insurance policy.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been the victim of ID THEFT in the past and Equifax has removed and blocked several fraud accounts. All of a sudden within the past 60 days every single account is begin re reported and Equifax refuses to remove these fraud accounts. They keep saying they have been verified accurate!!! I have gotten letters from the fraudulent creditors confirming these accounts are fraud and that they have notified the credit agencies of these and told them to remove these accounts!! EQUIFAX still will not remove the fraud accounts!!! Once more they continue to say they belong to me!!! I have sent copies of the letters I received to EQUIFAX. Some accounts were removed and some remain!!! The following are Still fraud and need to be removed!!! 
1.XXXX XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XX/XX/XXXX 3.  XXXX XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation