milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: RE : Report # XXXX I 'm complaining because Transunion have failed to comply with, furthermore wilfully ignored, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing back in XXXX. On XXXX XXXX of this year, I sent them a dispute letter requesting that they verify all data for the disputed account and 40+ days later I have yet to receive anything of the sort. Because it is well past the 30 days permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. I ask that you resolve this matter with urgency as my character is being defamed by their wilful non-compliance with the FCRA. 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 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hi Im really taken back from by how they are reporting this XXXX card on my credit report they said the did an investigation but if they are following reporting laws they would see they cant report an account late after its closed. And that what they did I have the proof what do they offer me for further damaging my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Debt collection (Credit card) with Element Global Services (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Keep calling with a very aggressive tone, I stated I would try to make a payment when I can and now they are still calling and threatening me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a vehicle financed with  XXXX   XXXX   XXXX   XXXX . At one point my loan was issued to a particular  XXXX   XXXX  account manager. During the time this employee managed my account, he would constantly harass and call my husband and I, yell, scream, make insulting comments about our financial ability to pay for the car, and was overall verbally abusive. I came to the point where I did not answer phone calls from  XXXX   XXXX  because I refused to be subjected to this type of abuse at the hands of a major financial companies employee. I filed several complaints with the  XXXX   XXXX   XXXX   XXXX   Office of the President.  Nothing was resolved. Towards the end of  XXXX ,  XXXX   XXXX  added a {$200.00} insurance charge to the monthly payment claiming I did not have insurance on the vehicle. I was attending school out of state and was not aware of the additional charge tagged on ; however, we continued to make the normal monthly payments. The paid additional surcharge was calculated as nonpayment. The account manager put the car up for repression in  XXXX   XXXX . As a result, my husband and I immediately redeemed the vehicle and prevented the repression by refinancing the loan with a different financial servicer,  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX   XXXX . The car was redeemed, the  XXXX   XXXX  loan was paid in full, and I kept the vehicle. I filed appropriate complaints with  XXXX   XXXX   Office of the President  and other agencies. Again, nothing was resolved.      XXXX   XXXX   XXXX   XXXX  reported the redemption as a repression to a consumer credit agency. The account is still incorrectly reported as a repression rather than a redemption with the account paid in full and closed. I have contacted both the credit agency and  XXXX   XXXX   XXXX   XXXX . to have the inaccurate report removed. I confirmed with a  XXXX   XXXX  customer service agent that the account states the loan was paid in full, transferred to a different financial institution, and closed. Nonetheless, the account was incorrectly reported as a repossession. I am having a difficult time correcting the matter with  XXXX   XXXX  and on my credit report. Apparently, there is no one in the dispute resolution department that I can speak to verbally to confirm the information. After being subjected to unlawful emotional and verbal abuse as a paying customer, I am still enduring financial harm due to the inaccurate report to the credit bureau. This is a mistake on the part of  XXXX   XXXX , yet I am having to spend an inordinate amount of time contacting the financial institutions, issuing paperwork, and documenting all the communication. I fear  XXXX   XXXX  will continue to provide incorrect information and subject me to financial and professional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Debt collection (Medical) with CREDIT BUREAU OF NAPA COUNTY, INC. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am receiving constant calls from Chase Receivables regarding a medical debt I never received a invoice from the original provider. I spoke with the the collection agency several months ago and requested documentation on the charges. I provided a supervisor my name and address and told them I would research and call them back. I never received anything from Chase Receivables. Chase has continued to call my home phone number XXXX to XXXX times a week.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Recovery Management (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Assumption : XXXX and XXXX facilitate my Social Security number to collection agencies. 
Explanation : I received a service from a medical clinic last years ( XXXX ), my co-payment some how was not process and the clinic sent my case to a collection agency. Notice that I never shared my SS # with the medical clinic nor with the collection agency. 
Last XXXX 2016 the report showed on my son 's XXXX credit report. At that time, I called the collection agency and inquired on how they reported a service on my son 's credit without his SS # ; when I was the one who received the service? They responded : " We just send the information to the credit reporting agency and they place the inquire on your credit ''. 
I called XXXX, submitted a complain, and the report was removed from my son 's credit report. 
This month XXXX XXXX ), I notice a change on my credit score from XXXX. There was an inquire from the same collection agency on my credit report. 
Question : How is the collection agencies reporting to XXXX and XXXX without SS #? 
How is XXXX and XXXX obtaining information and adding it to credit report without SS #? 
Are XXXX and XXXX randomly adding information to consumer 's credit without SS #? or Are they facilitating SS # to collection agencies to add inquires to consumers report?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (MA).
Issue: Billing statement

Complaint: We were not receiving paper statements on our credit card account with USAA, so we contacted customer service to change our billing preference. That was over 6 months ago and after monthly calls to USAA customer service, including a problem resolution department in XXXX, we have yet to receive a paper billing statement. As a result, we are unable to verify purchases, review interest charges or know our minimum monthly payment. This is a breach of our card member agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My husband and I have started looking into a home mortgage and we discovered that I had a few unknown items/errors on my credit report. For this complaint the credit card closed and charged off is showing from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX. This account shows as closed on XXXX/XXXX/2013. The balance showing owed/charged off is {$2700.00}. I have no knowledge or ownership of a credit card account from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have worked for the same company for 17 years. 
City for XXXX, XXXX XXXX. 
They are same Employer, City of XXXX IL.

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 06/14/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Settlement process and costs

Complaint: Bank of America is not trying to help me get the paperwork done so that I can get the fha loan modification in my name only, they expect me to get a modification with the co Barrower.! no Disclosure statement, they have had the Special Waranity Deed from my divorce attorney sence 2012. They also had the Divorce Decree, letter from the court, ,letter from the co- Barrower, Chapter XXXX Discharge papers, proof of The Barrowers Protection Plan insurance from BOA when I got the mortgage loan, and the personal protection order /restraining order against the co Barrower.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (OH).
Issue: Taking out the loan or lease

Complaint: I purchased a XX/XX/XXXX Ford Explorer XX/XX/XXXX. I had XXXX for the first year of payments and then was transferred to Santander for the remaining. I paid my payments for a total of 7 years on a 6 year loan and ever time I would think I was going to pay it off I would still owe {$3500.00} to {$4900.00} dollars. I tried to call them and ask them how this is and how I still owe this amount and they were really rude about it and would n't give me an answer. I paid a total of {$42000.00} dollars for this truck that 's worth about {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: I called JP Morgan and  chase  on  XXXX / XXXX / 2017  where they mysteriously told me that my account is closed and they can do it anytime at their discretion which is true but if they had closed the account I called in on  XXXX / XXXX / 2017  to send in a wire of {$220000.00} as I work for an international company and it 's on record they gave the account details including the  XXXX   code  and all whereas they could 've simply told me the account is closed. They have even blocked my funds amounting to {$9300.00} without my approval. I would request urgent assistance as these are the only funds I have access to.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Credit Services Inc. (AK).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I received a phone call XXXX in the morning in XXXX XXXX. The person told me I owed money for a gym membership that I did not pay for 3 months since XXXX XXXX. I normally paid {$15.00} per month and the gym membership was on auto pay from my credit card. I did not received any notice of non-payment from my gym. The collector also continued saying I owed {$100.00} for the 3 months of missed payment. My membership was {$15.00} dollars a month and now is it {$100.00}?!?!?!? I asked why there is a huge increased, the collector responded for msc fees added to the account. The priced double. The collector stated if I pay now, I can get some discount from cost and they would need my credit card number now. 

I thought this was a scam because I was never notified of any late payment. I told the collector to email me the debt information. They agreed to email me the information. Now in XXXX XXXX, I received XXXX phone calls a throughout the day at weird hours from different numbers. I asked them several times to email me the information and never did I received an emailed copy of my debt information or my rights. I am sick and tired of being bothered with weird numbers and they can never email my debt information when I asked several times. 

They have been leaving me messages stating if I do n't pick up the phone, I had confirmed I am that person on a voice message!!!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MERCANTILE ADJUSTMENT BUREAU, LLC (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XXXX XXXX, 2016 the following collection agency flagged my account : MERCANTILE ADJMNT BUR XXXX XXXX XXXX XXXX They claimed that there was a bill past due- but I had already attempted to close my account with XXXX XXXX over the phone multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I lost my home when XXXX lien holder foreclosed on my home. the XXXX lien holder never paid off the XXXX mortgage. the XXXX lien holder sold the property and the new buyer did not pay off the loan. I have contacted chase several times to ask them to release me from liability or call the loan and they have refused to work with me. I no longer own the home and chase has refused to call the loan or release me from liabitly. the home has been sold twice and now chase is trying to have me make the loan payment on a home I no longer own. I never gave permission to have someone take over the payments

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been in contact with equifax numerous time about errors on my report. I have done all their steps to get issue resolved however every time i call, i speak with a different person who providers different information.The are a numerous inquiries on my report that was not authorized by me and when i tried to reach the companies they can not locate me either. The companies   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (IN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I switched insurance companies in XXXX from XXXX to XXXX. I had an outstanding balance due and received a final bill from XXXX in early XXXX. I sent a payment of {$5000.00} to them on XXXX XXXX and was going to pay them {$50.00} every 2 weeks until the debt was paid. I received a call today from Caine & Weiner a debt collector as XXXX turned my account over to a collection agency after they accepted my partial payment. I have a bankruptcy on my credit report and we are trying to buy a house this summer. We were told by our mortgage banker that we can not have any late payments or collections on our credit. I tried calling progressive today and they said I have to refer all my communications to the collection agency. They say that the final payment letter went out to me on XXXX/XXXX/2016 and they do not accept partial payments however they gladly accepted mine. What can I do now?

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This matter started in XX/XX/XXXX to XX/XX/XXXX. First received a call from Portfolio Recovery stating they were trying to collect a debt from my ex-wife and because she has a problem writing and reading English I offered to help. I first told them I would remit a check in the amount of {$170.00} if I found that she owed the debt to XXXX XXXX. They advised that XXXX XXXX had sold them the debt. They pressed me to send the check that day but I told them that I needed to check to see if she owed the debt first. After checking with her found that she had continued to pay the amount in question directly to XXXX XXXX and the next time they called I explained the above to them. They said they had no knowledge of her payments. I then asked them to provide written evidence of this debt and hung up and found out a week later she had not received any information from them. They called again and I reminded them they had not sent any information evidencing the debt, also reminded them she had made payments directly to XXXX XXXX and they became insistent we should pay without having the evidence. I eventually hung up on them and that is when the barrage of calls started. I have received at least 15 calls from them on an every other day frequency. Each time the individual on the phone denied they had called and when I ask for them to check their records they refused and continued demanding the payment and also requesting how they could contact her directly. I refused and at least 10 times now I have demanded they stop this barrage of phone calls even telling them that my phone was on the do not call list but as recent as XX/XX/XXXX at XXXX they are still calling. Please have them cease and desist with their phone calls making demands for payment of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Credit card () with WELLS FARGO & COMPANY (NY).
Issue: Credit card protection / Debt protection

Complaint: I bought some furniture from XXXX furniture and I was about to pay the whole balance upfront as I had the money at that time. 
But the sales person insisted to open the credit card with zero interest for 12 months. So I have applied for the credit card. He has mentioned that I have to pay interest if I will not pay off the balance in 12 months. He did not tell that if I do n't pay the balance on the whole amount of the furniture. 

So I paid off {$2400.00} in 12 months and remaining balance was {$1000.00}. Now they have charged me interest charges of almost {$900.00} saying that its accrue interest on the whole balance. According to the customer service, that is written in terms and condition that accrue interest will be charged.However, when we opened the account sales guy did not mention a word about the accrue interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On XXXX/XXXX/XXXX I received alerts on my trans union monitoring service that my report had been pulled in response to a credit line increase on one of my credit cards with XXXX XXXX Upon checking I noticed my report was pulled 3 times. I called to discuss it and they said they were n't able to generate a report so they wo n't count. Further more they pulled XXXX the same day as I was on the phone with under writing to process the request. On XXXX/XXXX/XXXX I received another alert and upon checking noticed XXXX new pulls on my report. Again I called XXXX XXXX and was told they did n't pull my report and to contact Trans Union. I called and they said I need to call XXXX XXXX because they are in fact hard pulls done by XXXX XXXX I do n't know what to do at this point because each is pointing the finger at the other but I have XXXX unnecessary credit pulls in 2 days and 1 on XXXX for a simple credit line increase.

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 10-12-2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Account opening, closing, or management

Complaint: I was locked out of my checking and savings accounts with Navy Federal for failure to pay enough on my credit card bill. I was unable to access any of my money while XXXX and unable to work and fell behind without access to my accounts. I was told I could not access it until enough had been paid on my credit card and no access in two years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My yonger sister bad credit is on my credit.

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