milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I pulled my Credit Report and found XXXX XXXX put a charge off on my credit report for the amount of $ XXXX.on the date of XX/XX/XXXX I wrote XXXX XXXX a certified letter asking for validation that is competent evidence bearing my signature. 

XXXX XXXX revived the certified letter on the date of XX/XX/XXXX. 

XXXX XXXX responded on the date of XX/XX/XXXX stating that they were not a debt collector but the original creditor and they do not mark credit reports as disputed in the 30 day period. XXXX XXXX never provided me with the validation I requested. 

On the date of XX/XX/XXXX I wrote another certified letter to XXXX XXXX stating that they did not validate the debt in question via bearing my signature. 

XXXX XXXX received the second certified letter on the date of XX/XX/XXXX I never received a response to the second certified letter. 

On XX/XX/XXXX I pulled my credit report to find out if XXXX XXXX had marked my credit report as disputed. And found that XXXX XXXX had not marked my file as disputed, and as to this day of XX/XX/XXXX my file is not labeled disputed. 

I sent a third certified letter to XXXX XXXX on that date of XX/XX/XXXX notifying XXXX XXXX they did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by Federal law to place a " notice of dispute '' on my account within 30 day of my dispute, in which they signed for on XX/XX/XXXX. I retained a copy of their signature and date of receipt, as well as a time stamped copy of my credit report, showing that XXXX XXXX has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and / or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
XXXX XXXX received the third certified letter on XX/XX/XXXX And yet again XXXX XXXX has failed to respond to the certified letters I have sent to them.

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 07/25/2016 about Bank account or service (Other bank product/service) with KEYCORP (NY).
Issue: Account opening, closing, or management

Complaint: My father passed XXXX XXXX, 2016 he had a home equity line of credit and insurance to pay it off purchased in the home equity. I spent 5 month trying to get a amortization schedule from bank providing the death certificate and the will to bank by XXXX XXXX if not sooner. took till XXXX XXXX, 2016 to receive this document. then payment was made by insurance company on XXXX/XXXX/2016 applied XXXX/XXXX/2016. was told that the funds would be transferred back to checking account and lien release would be provided in 10 business day. on XX/XX/XXXX i called as nothing occurred and now they claim all they have is death cert and nothing else. i provided this to branch in XX/XX/XXXX and to XXXXXXXXXXXX on XXXX XXXX, 2016. Resent XXXX XXXX, 2016

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

Complaint: Equifax 's poor security practices and mishandling of sensitive data resulted in a data breach that included all of my sensitive financial data, including my SSN, DOB, full name, address, etc. This was part of the hack that occurred over a month ago, which they failed to inform me of.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is reporting a negative payment history in XXXX XXXX for a XXXX account that was settled in XXXX XXXX ; although the balance is correctly being reporting as XXXX and the payment status for the account is correctly reporting as " Settled, '' the erroneous reporting of a recent negative payment history has a severe impact on my credit. Since the account was legally settled in XXXX XXXX and XXXX legally accepted the settlement as payment in full, the reporting of negative payment history in XXXX XXXX falsely represents the true status of the account ; XXXX and XXXX are correctly reporting an " OK '' payment status for this same time period. Because XXXX and XXXX are reporting this correctly, I have to assume that the erroneous reporting is the fault of Experian and not 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 05/25/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (FL).
Issue: Other service issues

Complaint: I just would like the XXXX Federal Government to do what is right byrequiring that all nonbank institutions ( ex. PayPal, XXXX XXXX, andVenmo ) become FDIC insured. Doing so would prevent financialdisaster for many customers if their nonbank institution were to ever gobankrupt. It 's just better to be safe than sorry!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Debt collection (Payday loan debt) with Risecredit, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: on XX/XX/XXXX They contacted me 3 times and on the third time I asked them to not call me repeatedly while I was working. The individual told me that they had no control over the calls and that it was automated and they can only leave me a message on the 3rd time they call. I have asked multiple times they call me after XXXX and still they call me any time between XXXX and XXXX multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX cancelled my debt and issued me a XXXX on XXXX XXXX, 2010, just after I began a debt settlement plan. Since then, they have added interest and fees to the original amount due and are continuing to report the total amount as past due to the credit reporting bureaus, even though I was issued a XXXX and paid tax on the cancelled debt over 5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (Medical) with Revenue Recovery Corporation (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Please be advised I have request " validation '' { not verification } of an items reported to the credit bureaus by Revenue Recovery Corporation creditor/collection agency. I have received a response that clearly violates my rights according to XXXX. 

Revenue Recovery Corporation, did NOT provide me a XXXX release that releases my medical information to them, therefore by providing such information they are in VIOLATIONS of my XXXX rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law.

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 04-08-2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Other fee

Complaint: Citi credit card customer for 4 years. Pristine record until the day I switched my banking relationship and forgot to update the auto-pay info with Citi and was charged {$31.00} on a {$31.00} account balance. Customer service was horrible. In fact, horrible is an understatement which led me to close the account. ( {$22000.00} credit limit ) and an existing brokerage, IRA relationship totaling {$600000.00}. Yep that 's right for {$32.00}. Never again will I do business with Citi, especially that the level of customer service has taken a nose dive from where it was. Poor command of XXXX, the person sounded like she wanted to get rid of me, transferred me 2 times to the wrong person and seemed to care less if the issue was solved. Great job Citibank!.

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 04-09-2018 about Debt collection (Medical debt) with Ronald H. Reynolds, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX has yet to refund me for over payment and the attorney they hired which was XXXX XXXX XXXX XXXX. The bill has been paid since XX/XX/XXXX and the debt is still showing active. Also the debt was over paid and error in credit giving by court documents. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX says one thing in his letters as threating and also tells me the issue is or past on to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX is very rude and thinks he can scare some one not to sue him. First thing XXXX XXXX owes me I don't owe him NOTHING he is the one in error on court credit as the court he entered the wrong amount in credit giving as the court document shows. Next the account was over paid and he owes me money as well for who retain him he received the money. The next issue is 3 garnishments showing on court records by him as not paid and 3 garnishments all the same one showing different amounts as well as ( ACTIVE ) & should show ( COMPLETE ) its been 4 months now nothing but the run around with XXXX XXXX and smart remark letters to my rights. Maybe he should do his job and learn to read and add and stop threating people what they can do. 

Next he tells me the case went to the XXXX XXXX XXXX and still sending me mail just as of the past week been XX/XX/XXXX and as if I owe him money on the same account in which there seems to be some fraud going on to the same account showing nothing paid 1 showing 20 percent and the other nothing but the same garnishment. XXXX check stub is attatch as proof as court documents and XXXX XXXX XXXX. 
It also seems very deceptive of the practice that's been done. 

Documents Attach as Proof

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Omega RMS, LLC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A few years back, I signed up with a dating service called " XXXX XXXX '' while living in Georgia. Per the contract, " XXXX XXXX '' falsely claimed to provide me a certain number of dating matches who met my specified criteria. They falsely claimed that their candidates were pre-screened to eliminate people who were married or had criminal records. They falsely claimed that matches between candidates were matched by trained psychologists and other licensed professionals.They failed to meet contractual agreements, yet charged me and refused to refund monies I paid for services they did not provide. I relocated and recently pulled my credit reports in which a collection agency, " Omega RMS LLC '' is falsely claiming that I owe three separate amounts to " XXXX ''. " Omega RMS LLC '' falsely reported to the XXXX credit bureaus that I owe {$1600.00}, {$2300.00}, and {$2700.00}. I sent a debt verification letter to " Omega RMS LLC '' dated XXXX XXXX 2016, sent certified mail with return receipt, with the request that " Omega RMS LLC '' notify the XXXX credit bureaus of the fact that I was disputing these false debts. I requested that " Omega RMS LLC '' validate the debt by sending me the following : Copy of any original contract with my visible signature and date, Proof that " Omega RMS LLC '' is the original creditor or servicer, Amount of the alleged debt, Name of the creditor to whom the original debt is owed, a copy/verification of any judgment, proof that " Omega RMS LLC '' is licensed to collect debts in my state, Proof that they have met and provided the contractual obligation ( s ), guarantee ( s ), promise ( s ), and or service ( s ) as stated in the original contract. On XXXX XXXX 2016, my letter was received and signed for at XXXX by a representative of " Omega RMS LLC '' named " XXXX XXXX ''. As of today, I have not received a debt validation reply from " Omega RMS LLC '', nor has my credit report been updated to reflect that these debts are being disputed. 

After doing my research, I see that " XXXX '' has been out of business for quite some time and " Omega RMS LLC '' is still attempting to collect on debt/debts that are not mine. Since " XXXX XXXX '' is out of business so now I am unsure of how to get my money back from them for dating service guarantees that were not met and for breech of contract. 

I am not sure how " Omega RMS LLC '' can falsely claim and falsely report that I owe any amount, let alone XXXX separate amounts for services that I never received. Furthermore, I 'm not sure how " Omega RMS LLC '' can attempt to collect any amount of money for a service that has been out of business for quite some time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Prepaid card (General purpose card) with WELLS FARGO & COMPANY (FL).
Issue: Managing, opening, or closing account

Complaint: I have Wells Fargo Visa Credit Card for around two ( 2 ) years, since the beginning I transferred an amount to not interest program for 12 month, I took the entire 12 month to pay it off, right after that I stop to use this credit card in order to keep in good standing my credit scores from my bureau of credit, today XXXX/XXXX/2016 I have received a letter from Wells Fargo Bank telling me that my account was closed because I have not activity for more than six ( 6 ) month, I believe be notified before to close the account just to give me the opportunity to use this credit card in order to prevent to be account close, will be the best way from Wells Fargo bank to show any respect for a client and do not be a XXXX against XXXX, I called them and they told me, they can not do anything for me, now I have my credit report affected because their decision to close my account, I am very frustrate because when you try to find the best way to solve this situation, you have a Giant telling you, '' I do what I want to do, you really do not count ", please help me in this unfair situation, Thank you, if you need more information just contact to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I opened a secured credit card with a limit of XXXX XXXX dollars. After a year or so, i decided to close that card, why pay interest to the bank for my money. This action happened to impact my credit negatively. No one informed me that this would impact my credit negatively and i do not understand how credit reporting companies can just look at information at face value and determine it requires a negative value. That practice is not aligned with core values and principles of lending. I did nothing wrong but i am punished for years as a result of this. Please take a moment and advise me on how to resolve my issue and what can i do to stop this practice that i will call an intentional oversight for lack of a proper term. Im sure this issue is XXXX, that XXXX americans experience everyday. 
Thank you in advance for your time and help. 
XXXX XXXX XXXX XXXX. XXXX, MD XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: Equifax allegedly conducted an investigation into my balance with   XXXX   XXXX   XXXX   however, they are still reporting incorrect information.  In fact,   XXXX   XXXX   XXXX   provided documentation illustrating that the account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Debt collection (Medical debt) with First Federal Credit Control (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX initial communication was on XXXX/XXXX/XXXX via certified mail. Action taken by XXXX accounts were removed from credit report on XXXX/XXXX/XXXX, as of XXXX/XXXX/XXXX they were put back on the credit report negatively affecting my score. The amounts of each are {$260.00}, {$620.00} and {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit card () with PAYPAL HOLDINGS INC. (FL).
Issue: Other

Complaint: I want to express my disappointment with PayPal Credit and worried that they have my personal information with their horrible record keeping system. After about 4 months of going back and forth about my application. I was originally denied in error back in XXXX, but after I called to clear this up they submitted a manual applciation. Ever since then it was diificult reach an operator who would give me an update of this " manual application. '' Today I basically felt I was brushed off by a PayPal Manager and the Supervisor, XXXX XXXX, who just wanted me to go away and stop bothering them about this application that everyone told me was pending. They now tell me it was no approved but that it was for Credit reason, even though I was never informed, even though every operator I spoke to since XXXX has told me they will inform me by email and a phone call. 
Now I see that I was never going to be informed. I usually have an extremely high credit score, so I do not understand the reason for being denied for " credit reasons. '' I felt worthless by these operators, Manager, and Supervisor of PayPal Credit. 
I always tried to be understanding and courteous, giving plenty of days/times for them to get back to me on my application. But I was no met with the same respect. Being told by phone that my application was straight out denied after 4 months, with them submitting about more XXXX applications after XXXX taking my S.S. and income for nothing. And apparently I was never going to be informed, I had to call, again, to get this disappointing news. 
This has left me to believe a completely negative aopinion of how PayPal credit works, how their applications are run, how they hurt my credit score, and I am worried that my informaiton will be leaked by fraud with their weak record keeping. 
I hope this is addressed. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XXXX/XXXX/XXXX I disputed a XXXX Acct # XXXX .... asking them to verify all info. Experian responded to that dispute on XXXX/XXXX/XXXX and reaged the account and changed previously reported information. They changed the date opened from XXXX on XXXX XXXX, XXXX to XXXX on XXXX XXXX, XXXX. They changed the " date of status '' from XXXX on XXXX XXXX, XXXX to XXXX on XXXX XXXX, XXXX. The " on record '' date changed from XXXX XXXX on XXXX XXXX, XXXX to XXXX XXXX on XXXX XXXX, XXXX. In addition, on the XXXX XXXX XXXX report the " account history '' showed as OK until XXXX XXXX & then XXXX for XXXX XXXX. On the XXXX XXXX XXXX report, the " account history '' now reads OK until XXXX XXXX, then " XXXX '' from XXXX XXXX to XXXX XXXX and XXXX in XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian has not provide me with evidence from disputed accounts which I have requested serval times in the past.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is a deb for the person named " XXXX XXXX '', but my name is " XXXX XXXX ''. Somehow they put this debt to my social security number. I never lived in that apartment that generated the debt. Called the debt collect within 30 days of receiving the debt in 2014, but they were very rude.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: It has been 7 years since I voluntarily requested that that Chapter XXXX be withdrawn. The bankruptcy was dismissed by my request and vacated. I found a way to pay creditors and avoid the need for restructuring. The public record for said action has fallen off of my credit reports for XXXX and XXXX. But Equifax states that their policy is 10 years. Why does Equifax get to be the exception? It seems totally unfair that this one agency is the exception for an action that I voluntarily withdrew and was affirmed vacated by the bankruptcy court over 7 years ago. It seems as though the reporting agencies are never about helping consumers but are in league with lending and business interests to extract as much hard earned money out of them as possible. Disputing with Equifax simply earns you a form letter stating that it is their policy.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2016 about Debt collection (Credit card) with DISCOVER BANK (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Discover finance calls on my land line to my cell phone back and towards every day including Sunday from XXXXto XXXX every day at least 20_30 times a day

Company response to consumer: Closed with explanation