milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I got a copy of my annual credit report. Upon reviewing it, I noticed XXXX tax liens that show paid and satisfied. I contacted TransUnion via certified letter, asking them to remove these items since they report as as, also I did n't recognize these tax liens and were unaware of them, or having them on my credit report. For all I know, they are not even mine. This was XXXX 2016 when I sent the certified letter to the Credit Bureau. Upon their " Investigation '', they removed XXXX paid tax lien, but refuse to remove the other XXXX, stating that the information is verified. How are they able to " verify '' this information? I wrote the XXXX XXXX XXXX XXXX and receive a letter from them that they do not report information to the credit bureaus. So, how were TransUnion able to accurately verify this information. I even sent them a copy of the letter that the Circuit Court sent me, stating that they do not report to the credit bureaus and their suggestion was to contact the credit bureaus to have the information deleted. It 's like " pulling teeth '' with Transunion. Why was it ok to delete XXXX paid tax lien, but leave the other XXXX paid tax liens on my report. I am convinced that they have no clue, that they do n't actually verify anything legally and are just being a " pain in the XXXX to consumers. I want this information deleted permanently from my credit reports. These credit agencies are full of disgruntled, unhappy, overworked employees who I do n't believe give a XXXX about the damage they do to consumers and their 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 non-monetary relief
Consumer complaint received 06/30/2016 about Debt collection (I do not know) with NRA Group, LLC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: National Recovery Agency XXXX keeps calling my cell phone to collect a debt. I have no idea who these people are. I receive 4 to 5 calls daily, sometimes they hang up when I answer, other times it is a pre recorded message. I once talked to a gentleman and he proceeded to tell me about this debt I owe ( not knowing what debt it was ) all before verifying who I was and getting the information. I have requested numerous time to send me in writing the debt that I owe. When I talked to this man I asked him if they ever notified me by writing or sent me confirmation of the bill and he said they sent a statement XXXX of 2015. I then told him that was a year and a half ago and I have received nothing. When I asked why he had not verified who he was talking to before going into length about this bill and amount he hung up on 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 01/22/2017 about Consumer Loan (Vehicle loan) with FC HoldCo LLC (MI).
Issue: Managing the loan or lease

Complaint: i submitted payment to my auto finance company, they never presented it to my bank, but they told me it failed, to go through, not nsf, but failed, i had the funds available in my account on XX/XX/2016, they never attempted to collect so that they could continue to collect daily interest!! in turn when i submitted my next payment, it went 100 % to interest!!

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 06-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with We Collect Inc (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: they are overly charging me for for cleaning. they are charging me a XXXX dollars on top of the XXXX $ paid to them. I do n't think that injust because they say that they want this money that they should be able to put this on my credit report I lived in a XXXX sq ft duplex that I defiantly can replace everything in the house for XXXX $ the deposit that was they with held. They are overly charging me. and this big amount is keeping me homeless. because no one will rent tome because I owe XXXX XXXX an in proper amount that they are being no help to. first off all this duplex is a box they only thing came with the duplex was a refrigerator and blinds and walls. I left the kitchen exactly how I got it and they bathroom to no damage to anything so I do n't see how replacing a few blinds for they window and maybe painting the walls again can cost XXXX dollars I lived there more then a year in a half so of course the walls would need to be painted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit card () with PNC Bank N.A. (OH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am requesting with this notice that the following account be DELETED from my credit report. PNC CREDIT CARD ( NOT MINE ) this is a result of ID THEFT and is causing me financial distress because of their derogatory information. Appropriately, I can show a judge at XXXX County OHIO that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items correctly. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, how it was done with who with contacts actions I will file a civil suit in XXXX County Against XXXX if no results for damages. I take my credit very seriously and your lack of proficiency and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I stand by the right to sue your credit bureau for violations of the FCRA and I believe I can prove to full extent, that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process further. I am irritated at your indictment and I have consulted with the court my rights in regards to my credit file. I look forward to your expediting my original request immediately. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. This is NOT a request for " legalization '' via E or evidence of my mailing address ect, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number and correct XXXX XXXX XXXX XXXX XXXX accordance with section, of the Fair Debt Collection Practices Act. Or I request this be Deleted with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Bank account or service (Checking account) with PNC Bank N.A. (UT).
Issue: Deposits and withdrawals

Complaint: Im being denied checking and saving accounts because of PNC bank and as well as XXXX XXXX XXXX claiming I defrauded them which never happened. Something needs to be done about that ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Debt collection (Medical) with Medical Recovery Services, LLC (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I incurred a bill. Then there was a fire and all of the billing information got burned and I moved. I received no further information until I was at work and being sued. I received no verification letter and they contacted me at work even when I asked them not to.

Company response to consumer: Untimely response
Consumer complaint received 09/29/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, Once again I am complaining about Ocwen and their services and ways to try get you kicked out of your home. I have written multiple complaints about them XXXX us up on our escrow and how they miscalculated. Well we are currently 2 months behind, not 3, 2 and I went the make a payment via online but was refused, so I called. Well I spoke with mulitple associates, one being a XXXX number XXXX and he advised me that we are 3 months late and we can only make a payment via XXXX XXXX, bank wire, and or cashiers check. we need the total amount of {$3500.00} +/- some change by XXXX tonight. Well back in XXXX our monthly payment was {$1300.00} and so we made a payment in XXXX for {$1300.00} but it was suspended on our account, the money was taken from our bank account mind you but it was suspended so it makes it seem like we are behind a month. We owe for that month {$260.00} that we were short because they raised our payment due to the escrow. Well we have been late every month and today again I go to make the payment and now they wo n't take it. My question is why they are holding that payment, they say because it was n't in full, but it again was due to the escrow problem. The point is I made the payment and we are only technically 2 months past due, not 3 as they are implying. They will not help us financially, they wo n't re-modify us, they did lower our payment from the multiple complaints I have made with the CFPB regarding the escrow, but only {$40.00}. So why ca n't we pay our bill!! It 's not our fault they XXXX up our escrow, not {$40.00}, but more like {$200.00} extra a month! I have enclosed a copy of our payment history and they suspended payment is on there. We have had one payment reversed but that was due to a closed checking account, but it was paid within a day or two. I just want to make my payments, affordable payments, and stop the constant paper trail of false commitments from Ocwen stating they will help us and they keep denying us help because of our investors!! Also making us pay for the postage!!! 
In conclusion, we just want to make our payment and try to get ahead, but affordable payments. Acct # XXXX Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with GULF COAST COLLECTION BUREAU, INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a collection notice several months ago from Gulf Coast Collection Bureau about a debt that originated in Florida, a state I do not live in, and I responded to the collection letter advising the collection agency the debt is not mine and I provided identity theft documentation and requested Gulf Coast Collection Bureau to Cease and Desist. Since then I have received one more collection notices demanding payment for the debt I do not owe. I responded and sent it via certified mail with anther copy of identity theft documents. I recently received another letter from this agency AGAIN demanding payment or a copy of identity theft documents. I have responded to this agency twice with the necessary documents for them to Cease and Desist, yet they continue their collection efforts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Debt collection (Medical) with Revenue Assurance Professionals LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid the {$120.00} because I received a statement. I was n't actually responsible for the debt because I had insurance. Now the company will not remove it from my credit 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 08/19/2017 about Debt collection (Payday loan debt) with Cottonwood Financial Ltd. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On Tuesday XX/XX/XXXX I received a voicemail from phone # : XXXX which stated there was a complaint filed against me, he was with the law department with recovery services and that failure to comply will result in further litigation. I called back after the voicemail and was worried. They provided information about a loan I received in XXXX. They knew my previous address information, bank name, ssn, and the amount of the loan. I repeatedly asked for some type of documentation and was told their client will not allow them to send anything else because 14 letters were sent to my previous address, which I did not receive. On XXXX XXXX they called again. Staying I would be summoned if I did n't pay. I continuously asked for some type of documentation but they refused. On XXXX XXXX I received another call which was an automated message stating that they are now taking further action and getting my current address and job address to serve me. I held the line and then was connected with someone. After going back and forth for about 15 minutes, being told I would have to get a lawyer and go to court for bank fraud, I contacted my grandmother to see if she would help me with the payment. The girl over the phone said after the payment was received then we would receive an email in 15 minutes. After an hour of no email, I called back and all the calls went straight to voicemail. I then called the cash store headquarters and was told they sold my information back in XXXX, But that sounds like a scam. They provided me with the phone number to who they sold my debt to, XXXX but they did not answer and I left a voicemail. Now my grandmother is out {$320.00} and paid a scammer. I 'm concerned about what they will do with her information next.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The information that appear on my credit report are not mine. It was an identity theft. I had sent to you the police report. it 's very clear your investigation is not complete, according to the law it should be remove completely.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 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: Account status incorrect

Complaint: I have been contacting TransUnion since  XXXX   XXXX ,   XXXX  . Since  XXXX    XXXX   my  credit score h as been lowering due to closed accounts I never was aware of on my credit reports. My mother added me as an authorized user on accounts without my knowledge, and because our mailing address was the same address. This has hurt my  credit score,  then I was advised to dispute these accounts off my credit report without making me aware that it could effect my score in a negative way even more. Which was the result of the disputes. TransUnion now has lowered my score as if I have no credit history and I called multiple times to understand why my score lowered again, and spoke to  4  different representatives and no one helped my situation.

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 07-11-2017 about Student loan (Private student loan) with DISCOVER BANK (OK).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: A few weeks ago I received a letter requesting I contact Discover Student Loans regarding an uncashed checke they had reportedly mailed to me several months previously. The check was getting ready to expire. I did not recall ever getting the check. I called and was advised that a replacement check would be mailed to me soon. Since I did not receive the replacement check, I contacted Discover Student Loans through their website on XXXX XXXX, 2017. <P/>They advised : " I regret to inform you that we can not process your request at this time. We are required to forward the uncashed check amount and your information to the CFPB. '' Therefore, I am contacting CFPB, as instructed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2015 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (VA).
Issue: Closing/Cancelling account

Complaint: I had a credit card for XXXX years and paid my balance each month. The card was with HSBC. For some unknown reason, they closed my account. I called them when my card did n't work and they stated they had no idea why but the account was closed and I 'd be informed in writing of this within XXXX days. They told me they could n't do anything. I would like to know why they are allowed to close accounts on people who pay their bill each month.

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. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have tried everything that I know how to do correctly, Still, TransUnion, XXXX and XXXX  will NOT remove this from my credit report even though I have submitted this information to you 3 times already. Not only that they decided to double the amount to add insult to injury. 
This loan should have been removed 2 years ago it's NOW 11 years later & it's like gum stuck to the bottom of your shoe they seem to want to punish me for the rest of my life cause I lost my job ... ..the Law in NJ under Statue :, New Jersey Statute of Limitations on Debt Collection, SAYS -- - Demand Notes when no demand is made : 10 years. If demand made : 6 years from date of demand, ( 12A : 3-118 ( b ) ). THIS DEMAND IS PAST THE STATUE?? 
( XXXX XXXX XXXX XXXX  ) I'M trying to get a better job & place to live but they, ( TRANSUNION ) ( XXXX ) ( XXXX  ) NOR ( XXXX XXXX XXXX XXXX ) ARE ALLOWING ME TO MOVE MY LIFE FORWARD. WHAT DO I NEED TO DO TO HAVE THIS DROPPED FROM MY REPORT. Please help me with this is was Suppose to be Removed ALREADY ... 
Thank YOu for your assistance in this matter without your help, I don't know what to do

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 12/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I was approved for income based repayments through Navient on XX/XX/XXXX with the date of first payment being XX/XX/XXXX. Today, XX/XX/XXXX, I went to make a payment and it said I owed over 300.00. I can not pay this amount. I can barely afford the XXXX IBR payments, as I am only making a few cents more this year than I did last year when my payments were XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Credit card () with DISCOVER BANK (TX).
Issue: Customer service / Customer relations

Complaint: I applied for a mortgage loan with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX informed me that my application was denied. One of the reasons given was " Excess Obligations in Relation to Income ''. A DISCOVER account was considered as an " obligation. '' DISCOVER confirmed to me by letter dated XX/XX/1996, that my name was removed from the account. They lied. The account continues to " impact '' my credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-12-2017 about Consumer Loan (Vehicle loan) with Quality Acceptance llc (NV).
Issue: Taking out the loan or lease

Complaint: There is a letter enclosed explaining the issue. QUALITY ACCEPTANCE LLC, committed a series of FCRA regulations as well as never contacted us to let us know about the auction of car, nor ever given us a receipt for auctioned car, and not selling car for blue book value, as well as not honoring agreement to lower the 19.95 interest rate after a year, putting us in collections when QUALITY ACCEPTANCE failed to give us not only auction slip but to warn us of auction, so we could have possibly bought car, sending letters threatening to sue without intent. In one year and 3 months, we paid including auction car that was under sold by {$3000.00}, we paid {$14000.00}, plus {$2000.00} down payment, and have no car no nothing to show due to QUALITY ACCEPTANCE illegal dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Debt collection (I do not know) with NCB MANAGEMENT SERVICES INC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: all calling my cell no they are debt collector using different names all the times and different companies also

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 03/14/2016 about Bank account or service (Checking account) with BB&T CORPORATION (MD).
Issue: Deposits and withdrawals

Complaint: BB & T should pay the penalties and interest of {$440.00}.

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 10/26/2015 about Payday loan () with DLC, LLC (SD).
Issue: Received a loan I didn't apply for

Complaint: My identity was stolen and a loan was open using my ID and other information. I have mentioned this to Dollar loan center as well as provided legal documents. This account has been reporting for 6 and half years and should be deleted. Also the account is showing closed with no closed date populated on my credit. It is reporting as a collection item with {$920.00} balance. This is preventing me from getting a home loan and should be removed.

Company response to consumer: Closed with explanation