milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My husband and I are in the process of refinancing our home, we wanted to take advantage of the lower fixed rates before they rose. Much to our surprise our credit scores, the one indicator that is supposed to help us to secure the best rate in the market failed us. We have NEVER been late, we have NEVER had a BK, we have NEVER had a charge off, yet our middle lowest score is what the banks use to determine our RATE at the bank and it was a XXXX, my low was a XXXX from Transunion and I am totally embarrassed by this. My sister who has a Charge off, a repossession and many late payments has the same score as I do. Then I did some looking and the credit reporting agencies have changed their model which primarily takes credit utilization as their primary source of scoring in their model, however it is missing one vital component to ensure that it is a fair assessment and that is my income, it only has one piece of the pie, then they have added a " potential of bankruptcy '' indicator, how is this possible, I would dispute its accuracy. This is straight up unfair and deceptive practices. I am now forced to refinance my house at 5 %, when my REAL credit, 24 years of never late, no charge offs, no delinquencies, ( 3 ) mortgages over $ 1.3M paid in full, never late, no bankruptcies and I am a XXXX  for the purpose of the rate I deserve. No matter what you say to the banks, look at my history, there is nothing that justifies the rate you are quoting me, and their response is that they have to go by the score, regardless of your history to protect themselves from regulatory scrutiny.

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. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX I mailed off a certified letter to the following credit bureaus. I noticed that it has been past 90 days now and nothing has been resolved at this point your company continues to report inaccurate information on my credit report. I am now sending my second letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that you breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached a letter of the inaccurate information that is listed on my credit file by your company. The accounts listed on my credit file are reporting inaccurately and theyre listed in the attachment below. You removed some but you didnt remove the following in the attachment.

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 04/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: about 7 years ago i started a cellular service with XXXX the plan i choose was a XXXX minutes for XXXX phones with an automatic cut off when the minutes run out. the store did not give me the plan requested and i end up paying XXXX overtime the XXXX month and when i call customer service they told me that i where going to correct the mistake and change the plan, but that never happened and again the the following month i got another bill for XXXX for overtime, so i pay only the regular plan and cancel the service, then they send me a bill for XXXX early cancellation plus the overtime. 
# 1 the store mistake cost me XXXX five hundred dollars # 2 customer service did not change the plan as i was told # 3 customer service was a bully when i ask for an adjustment # 4 XXXX breached our original agreement # 5 arbitrary they report me to the credit bureaus and my credit is damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Trident Asset Management did n't respond to my direct dispute. My name is XXXX XXXX and Trident Management is knowingly reporting false information to the credit reporting bureaus. They bought an account from said " XXXX Stores '' and have continued to falsely report it as an open, revolving account with a past due balance of {$100.00}. They are not allowed to report a past due balance. I do not recognized this debt either and is reflecting on my credit reports for sometime now. The account number is XXXX. This is a collection account. I have disputed this account as a CRA DISPUTE. This account is further negatively affecting my credit report and score due to this company 's false reporting. I am demanding full deletion of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/29/2016 about Debt collection (Federal student loan) with Keith D. Weiner & Associates Co., L.P.A. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: keith d. weiner and assoc out of XXXX ohio, representative XXXX called to inform me about making a payment on my balance of XXXX dollars that has been payed down in the last 2 month from XXXX dollars. first he called my work and was never given permission to do so, after talking to XXXX and explaining my situation and why I was not able to make a payment until XXXX XXXX he later said if I did not pay today I would be sued by his law firm. out of fear for being sued I filed a complaint with the ATTORNEY GENERAL AND THE B.A.R OF OHIO

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: No knowledge of XXXX XXXX card dated XX/XX/XXXX-XX/XX/XXXX, XXXX.. Have contacted to be removed due to no knowledge. Still no proof provided and still no removal.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (I do not know) with Chaplain Financial Services LLC (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a phone call on my cell phone from  XXXX  at   XXXX   XXXX    on  XX/XX/2017 . They stated I had a debt and they were having me served for non payment. They said if I got served at home I needed to present them with 2 pieces of id, but if they served me at my job they would make my supervisor and make them aware of what I owe. The left the number   XXXX   XXXX   file #  XXXX . When I called back the person hung up when I asked name of company.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (I do not know) with Midwest Recovery Systems (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is not my debt, I do not have a signed contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (KY).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was originally with XXXX and was eventually taken over by XXXX XXXX XXXX. XXXX XXXX XXXX would allow me to cancel my PMI and not charge me for an appraisal when the loan to value qualified to remove the PMI. Nationstar bought my mortgage without my approval and they are requiring I may {$450.00} for an appraisal to remove the PMI. I think this is a racket and should be illegal to change the terms of the servicing of my loan!

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Debt collection company Wakefield and Associates is trying to collect a medical debt I was told by hospital I was not responsible for when I signed for treatment. I was hit by driver and was informed by hospitals XXXX and XXXX XXXX aka XXXX XXXX that the driver that caused accident was responsible for payment. Also other issues with these debts is that I was warned by credit monitoring service that Wakefield has been adding interest onto the medical debts. This is without ever verifying the debts with me. Also how do you add interest on to medical debts. I have images of the added interest from the credit monitoring service it seems Wakefield is adding small sums onto each debt they have. My main complaints are that I was told by hospital that I would not be responsible for payments as the driver who caused the accident was. If I knew that would change there is no way I would agree to be the responsible party. Also Wakefield has reported this debt against my credit and appears to be adding interest to this medical debt without me ever acknowledging this 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 09-11-2015 about Money transfers (International money transfer) with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Fraud or scam

Complaint: I SENT {$1000.00} TO XXXX THROUGH XXXX XXXX. THE RECEIVER NEVER RECEIVED THE MONEY AND XXXX XXXX REFUSES TO REFUND ME MY MONEY. THE TRACKING NUMBER IS XXXX. MY NAME IS XXXX XXXX PHONE NUMBER IS XXXX

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

Complaint: Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Credit card () with DISCOVER BANK (LA).
Issue: Transaction issue

Complaint: I would like assistance in disputing a charge on my Discover Card. I am a XXXX year old retiree who became involved with XXXX amongst many others.Also on my credit card their merchant 's name is different, It shows as XXXX And XXXX FL. I was contacted by an unsolicited telemarketing phone call last year. They offered me a very profitable online business, a website and training. They disappeared right after I paid them. I tried to get in touch with them and they would not return my calls. I opened a dispute with my credit card, Discover and they told me It has passed too much time and could not help me, they blew me off. I have been in touch with the Attorney General 's Office and they advised me that I have 540 days to dispute since they did not provide the services that they promised me. I am beyond frustrated with this situation, I hope you can help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Richland Holdings, Inc. (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: RE : Richland Holdings , Inc. d/b/a ACCTCORP OF SOUTHERN NEVADA We firmly believe this debt collector regularly violates the FDCPA rights of the consumers against whom it collects. 
In our case, specifically, they took a debt approximately worth {$2900.00} and within 2 years turned it into {$10000.00} ( that 's over 3,000 % in interest and fees ). Further, the interest rate, 24 %, which they claim to have used in our case is excess of the max penalty of 19 % assigned to the contract tied to this debt which was with XXXX. This debt collector enriched itself unjustly in my case by misrepresenting the amount that is owed and charging exorbitant interest fees on top of the original debt. 
I would like this company Richland Holdings , Inc. d/b/a ACCORP OF SOUTHERN NEVADA to be investigated for false representation of the amount owed and unfair practices, which are both violations of my rights under the FDCPA, and for predatory business practices and unjust enrichment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Debt collection (Payday loan) with Lionstone Holdings Group (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a message left on my cell number. The message was detailed stating that they needed to make sure I was around so I can sign for papers. My girlfriend received a message latter the same day XXXX/XXXX/2016 that was very detailed on her voice mail stating I needed to call a XXXX XXXX at XXXX that they received a claim against me under my name and SSN for file XXXX and she wanted to make sure I could sign for the papers for what is being filed against me. I was very upset and concerned and left worked and called the number provided. It went to a Lionstone Holdings Group who would not work out arrangements with me. They demanded I pay {$81.00} a week/ {$320.00} a month. 15 % of my weekly pay before I pay for my health insurance and other expenses. I told them I could not afford that arrangement and they said there was nothing else they could do. On XXXX/XXXX/2016 they called my employer. I told them I could not get calls at my work and provided my cell that they already have on file. I explained I am not permitted to answer my cell at work and the female states she would call later. She preceded to the call my cell within minutes of ending the call. I am willing to make reasonable arrangements on the matter however can not receive calls of these nature. They are upsetting, intimidating, and down right embarrassing. I kept the recorded messages if they are needed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: 1. Hard inquiry from XXXX XXXX on XX/XX/XXXX that I did n't know about. 
2. Hard inquiry from XXXX/over onXX/XX/XXXX, that I did n't know about. 
3. Hard inquiry from XXXX on XX/XX/XXXX, that I did n't know about. 
5. Hard inquiry from XXXX on XX/XX/XXXX that I did n't know about.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I purchased a washer through Sears under their credit program 12-months same as cash. In order to avoid service charges I needed to pay in full by XX/XX/XXXX. I ended up making two payments to pay the balance due ; the first on XX/XX/XXXX for {$220.00} and the second on XX/XX/XXXX for {$220.00}, and both payments were sent electronically via my online banking bill pay account. 

The first issue is that I received a bill immediately after for the amount of interest that had accrued IF had I not paid the account in full. I complained and Sears credited that amount, but the problem that within that time an extra amount of interest was applied. 

I tired to explain that this was their error and they should bring my balance to XXXX, but I've been going back and forth. It's a small amount ( probably XXXX XXXX- {$15.00} ), so it's not the fee, but the principal. They are not holding up their end of the agreement. 

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 monetary relief
Consumer complaint received 07/25/2017 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (ME).
Issue: Charged fees or interest you didn't expect

Complaint: O n   XXXX   XXXX  , 2017, I applied f or a loan fro m Big Picture Loans,  got approved, but was failed to be informed about the interest rate of %  719.9395. I borro wed {$400.00} because I was in a financial bind and needed the money quickly. I can not afford to pay {$130.00 } every 2 weeks until  XX/XX/XXXX ! I   need out of this or I will lose my car or home. I live paycheck to paycheck like most of middle-class  America. I t ook out this loan because it was easy to get approved with bad credit, and they took full advantage of it. I was not informed of a finance charge of {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I did n't no what option to select from above in regards to my complaint. My issue is with my XXXX XXXX charge account. There was a major mix up with my payments as usually I make my payments with a rep over the phone and I agree to make that month 's payment plus the following month. So in essence I am paying 2 months in advance. To my knowlege I was current and up to date with my monthly payments. However I received a phone call from XXXX XXXX last month and was advised my account was late. I immediately made payment arrangements to catch the account up to date and under the credit line. I have agreed to this and they have received the payments as agreed upon. I asked the rep about my credit report as this account has always been paid on time and my credit is very important to me. I was told to dispute it with the 3 major credit reporting agency 's and they will respond to put the account back into satisfactory accounts. I did as they said and received a letter the other day advising me that it is reporting correctly. I am very upset with this because now this account is reporting in adverse accounts which is affecting my credit score in a very negative way. It is also showing that the account will go to a positive status in the year XXXX. This is not right. I explained that I do not want to pay 2 months in advance anymore as that 's what caused this problem in the first place. XXXX XXXX did not keep to there agreement. I have had this account since XXXX and shop alot at this department store but very upset that they will not advise the 3 credit reporting agency 's to move this account back to accounts that are satisfactory. I also requested paper statements instead of online banking because after this I do not want this to happen again. The account is current and up to date and below the credit limit. I am submitting this complaint because I was lied to and told that they will respond to move the account back to a positive account on my reports. I have also written a long letter to XXXX XXXX explaining again the whole situation and how this happened.

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 05-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PNC Bank N.A. ().
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I transferred a balance from another institution to my  PNC  credit card. I understood the balance transfer fee disclosed of {$5.00} or 3 % of the amount. I have been making payments to the card on time and well over the minimum payment due. The only balance on this credit card was the transferred balance with no purchases. However on  X/XX/2017   , I made a purchase at  XXXX  's for {$4.00} since I could not find my debit card. I knew that I would just pay this purchase off on the next billing cycle. My statement ended  XXXX  and noticed that they charged {$1.00} for minimum interest charge. When I called  PNC to  dispute this charge, the representative impolitely informed me that when you have a balance transfer on the card you " lose the time '' of interest deferring on purchases made. The  PNC  representative said that his system would not refund the fee charged. Calculating the fee charge, that is 900 % charged on a {$4.00} purchase for 6 days. I have also review the disclosures and was not able to find caveat the rep was claiming.

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 08-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My payment is due on the first of each month. For the payment that is due on XXXX XXXX, 2015, I did not receive a statement. I contacted Green Tree to request them to provide a statement. The response was that they were unable to provide a replacement statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation