milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-08-2017 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: Account status incorrect

Complaint: XXXX and Transunion are continuing to report duplicate account that have been paid in full and should not show on my credit report.

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 04/21/2015 about Debt collection (I do not know) with D&A Services, LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Repeated phone calls looking for someone by another name. I have had this phone number for over three years. Most recent harassment is from D & A Services, LLC., but they will sell the information to then next set of thugs to continue the harassment. When confronted with the wrong number, they claim " we do n't have this number in the system. '' This is a fraudulent claim, since they had called less than XXXX seconds before and hung up before I could get requisite information to formalize a complaint with their organization. 

If this were an incidental wrong number, this would not be an issue, but this is a concerted effort to harass by so-called debt collectors who keep selling this bad number and refusing to remove it from the database.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Debt collection (Credit card) with Frederick J. Hanna & Associates, P.C. (closed) (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was contacted by XXXX and they continued to give me a different money amount for my final settlement. I was never provided a signed copy of my judgement, signed by the judge, In addition, since I have paid off the final amount, they never sent me, after I called them many time, with a clearance letter. I dealt with XXXX XXXX and XXXX XXXX in their XXXX office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: I have send letters disputing wrong negative information on my report. XXXX has mail me the results as verify but I have never received any legal proof that negative unverifiable information belongs to me.

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 03-09-2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CA).
Issue: Struggling to pay mortgage

Complaint: They keep returning my checks and won't give me instructions to reinstate despite their letters saying to call to get details about reinstatement. They've held previous checks for 3-4 weeks and returned them uncashed. They then sent me to their attorney after no one answered calls or gave me instructions to which I wrote the following with supporting documentation. 

The XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX : Ditech Account # XXXX Dear Sir or Madame : I have been attempting to get my account caught up to date for over two months to no avail. After having my third check for the full amount due returned to me after being held for almost four weeks, I am thoroughly frustrated and feel that reaching out to you is my last attempt. I will be copying the XXXX XXXX XXXX as well as the FTC regarding what is going on. 

I simply need instructions on how to get my account current, which Ive been trying to do since XX/XX/XXXX to no avail. I have not been able to reach anyone by telephone, and no one will provide the instructions to me via email or letter, which is requested so I can have this matter resolved. In my last correspondence via the website, I was told the check had to be certified. In anticipation of getting the final amount ( which I still didnt receive, but for which I was now sent a request from my bank for $ XXXX because the amount on the website currently says {$8100.00} ). 

I need to know specific instruction of where and how to send this cashiers check and assurances in writing that it will not be returned to me as the past three checks have been returned. I suffered a XXXX at work a while back and am now trying to get back on my feet. Please assist me with wrapping up this ordeal and reinstatement of my account. 

Please send an email / hardy copy of the instructions ASAP so I can wrap this up. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX, 2016 : Pinnacle Credit Services is trying to collect for a debt I do not owe and they are reporting to the credit bureaus ( XXXX ). I called Pinnacle on XXXX XXXX 2016 and told them this debt is not mine and asked them to provide proof of documentation from the original creditor. They forwarded my call to XXXX XXXX XXXX XXXX. I again explained to them I am not responsible for the debt and would not did not agree to assume the liability. They told me they would send proof of debt and documentation to me in 2 week to 18 weeks because they are backlogged. 

XXXX XXXX 2016 : After a month of waiting for Pinnacle I decided to contacted XXXX and filed a complaint on XXXX XXXX, 2016 against Pinnacle. XXXX forwarded my complaint to Pinnacle who then replied on XX/XX/2016 to say the debt is valid but did they did not provide any proof or documentation. A representative from XXXX said I will have to contact Pinnacle/XXXX XXXX XXXX XXXX directly to request the documentation. I told XXXX this would be the second request from Pinnacle and that is why I am seeking the assistance of the FTC. 

XXXX XXXX, 2016 I need the assistance of the FTC to please help pressure Pinnacle Credit Services / XXXX XXXX XXXX. to either provide proof of documentation from the original creditor or cease their collection efforts and quit reporting negative credit reports to the credit reporting bureaus ( XXXX ). 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Bank account or service (Checking account) with U.S. BANCORP (OH).
Issue: Deposits and withdrawals

Complaint: I was informed that my business account at US Bank - XXXX - XXXX, OH XXXX was in the negative for - {$64.00} on XX/XX/2017. So on XX/XX/2017 I went into the branch bank and and deposited {$90.00} leaving my account in a positive {$26.00}. I then brought some groceries at the XXXX totaling {$16.00} leaving a positive deposit of {$10.00}. 
Later on that afternoon, I go on line and see that I received a {$36.00} overdraft fee making my account a negative - {$28.00}. Then one of the tellers from the US Bank branch office calls me to inform me that I am now a negative - {$28.00} and I will also get XXXX more {$36.00} overdraft fees totaling {$76.00} plus the negative - {$28.00} which comes to - {$100.00} for {$16.00} of groceries when I had a positive balance of {$26.00} to start with. 
I am filling this complaint against US Bank for unethical banking practices and fee gouging.

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 04-07-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: MY CREDIT IS SHOWING SEVERAL DIFFERENT USE 'S OF MY SS # I WAS UNDER AGED AND HAD NEVER USED MY SS # PRIOR FOR CREDIT OR HOME USE. I WENT TO ATTEMPT A PURCHASE OF A VEHICLE AND DEALER TOLD ME THERE WERE 5 CHARGE OFFS ON MY CREDIT. SOMEONE IS USING MY SS # FOR APPARTMENTS. I WOULD LIKE THIS TO BE REMOVED AND SECURED BY PUTTING AN THEFT ALERT ON THE CREDIT PLEASE ...

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 11-10-2017 about Mortgage (VA mortgage) with Pacific Union Financial, LLC (TX).
Issue: Struggling to pay mortgage

Complaint: We live in an area that was affected by Hurricane XXXX. I called in at the end of XX/XX/XXXX and asked for a loan deferment. I was informed that the deferment was pending approval, and they would notify me when it was approved. I asked to proceed with a deferment, and they enrolled me in a forbearance plan without my consent. I was under the impression my loan was being deferred, in which 3 months of loan payments would be added on the back end. I am now being sent letters discussing foreclosure, if I am unable to pay my mortgage in full for the 90 days. I called in and informed them that they made a mistake, and they blamed me and showed little concern. Their misrepresentation has put my family in a touch situation, where we now have to find a way to come up with nearly {$7000.00} in less than 30 days, in order to avoid foreclosure procedures. Pacific Union needs to be held accountable for this misrepresentation, wrongfully enrolling me in a forbearance plan when I specifically asked for a deferment plan, and their lack of concern or care for consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Experian credit report and XXXX is displaying inaccurate credit score. My credit score should display 700, also my report is showing negative delinquent account after disputing with Experian over 15 times

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 02/24/2017 about Debt collection (Payday loan) with Credit Management Services, Inc. (NE).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I disputed all/parts of the alleged debt owed and requested actual proof/documentation of the debt. Signed agreement with payments made. They responded to my letter and said after reviewing the debt they believed it was still owed. They did n't send me anything beyond that which makes it impossible for me to know if the alleged debt is accurate. They then filed a complaint in county court. I am responding to the complaint. This company recently settled due to collection practices on a class action suit. I feel they are still using questionable tactics. They now want not only the alleged debt but attorney and filing fees and that could have all been adverted if they would have provided me with the documents I requested but I believe they did that thinking they could make a little more money with this account by filing thinking I would agree to pay or a default judgment. I have dealt with them before and made an arrangement on a debt that they filed on that they provided me proof of so I think they thought they would get me to agree to this debt and the fees as well. Whether I owe the debt or not is not the issue ... the issue is I feel they filed to collect extra fees as I did n't make any arrangement with them because they failed to provide proof of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (Medical debt) with Capital Accounts, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX billed me for services I did n't authorize Since day one I asked for proof of authorization and I will gladly pay this off. All they have is an itemized bill that XXXX XXXX made up and sent to them. No signatures or anything on mybehalf. 

I spoke with XXXX XXXX today. She is a manager in the billing department and the one who has been handling my case. 
She let me know that as of today they only have an itemized bill. This has been the case since day one. 
She always states that they requested proof of authorization from XXXX XXXX office and they are still waiting for it. I asked if theres a timeline or deadline given to their office and she said no. 
So I am just supposed to allow this to remain on my credit for as long as they want to i guess. 

I called back and asked to speak to another manager. They connected me to XXXX XXXX on XX/XX/XXXX @ XXXX He provided me with a record of dates of when I called. ( listed Below ) He then said that I needed to write a written letter within 30 days of them receiving my file which was on XX/XX/XXXX to let them know I 'm contesting it. But if you look at the dates, I called 2 days after it was submitted to their office and no one let me know about this written protocol. 

I 've always been told by XXXX XXXX that once the Dr office can not prove authorization then all negative marks on my credit will be removed. 


XX/XX/XXXX Date claim received at Capital Accounts Calls by me to Capital accounts for updates and information XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Capital Accounts XXXX ( XXXX ) XXXX XXXX XXXX XXXX Letters can be sent to : XXXX. XXXX XXXX XXXX TN XXXX XXXX Initial billed amount : {$2500.00} Current amount due : {$2700.00} Collection sent from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (MN).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have XXXX loans ( XXXX school ) that combine to XXXX from Wells Fargo. I have been looking for employment since XX/XX/XXXX -- approximately 6 months before graduation and 16 months from today --, and since then I have been unable to find any. I am living with my mother for the first time in a decade, my savings are now depleted, and I can no longer pay the loan minimums. 

When I contacted Wells Fargo last month ( XX/XX/XXXX ) in our ongoing conversation about this issue, a representative told me that I was eligible for further 2 month forbearance on each loan. I called today to arrange these forbearances, but the representative I spoke to refused to extend the forbearance to me, despite the fact that his colleague offered me the option before, and despite the facts that I banked with Wells Fargo XX/XX/XXXX and even held a mortgage with them that was always paid on time. 

I can not make these payments and my family is no longer wealthy enough to pay my loans for me. I am doing everything within the law to find work and I will need my ( still-good ) credit to be able to rent or buy another house -- credit that will be compromised if the loans go into default. I do not understand what Wells Fargo wishes to accomplish by pursuing me for money that I can not pay them. I thought that I was getting a loan from a reputable lender XX/XX/XXXX ; today I feel like I 'm being victimized by a loan shark. 

I hope that the CFPB can intervene on my behalf in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several unauthorized/unrecognized inquires on my Trans Union Report that I do not recognize. I have submitted an Dispute to Trans Union But I have n't gotten a response. The inquiries in question are ; XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ),  XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/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 explanation
Consumer complaint received 03-04-2016 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Customer service / Customer relations

Complaint: CHASE CARD MADE A HARD INQUIRE ON MY CREDIT REPORT THAT I DIDNT CONSENT TO AND ALSO I HAVE WROTE LETTERS TO THEM AND THEY HAVE FAILED TO RESPOND

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Consumer Loan (Vehicle loan) with HUNTINGTON NATIONAL BANK, THE (IN).
Issue: Managing the loan or lease

Complaint: On XXXX/XXXX/15 I called Huntington Bank to get a payoff for a car loan. The information I seen showed a balance of {$3600.00}. I was told that there would be a early payoff fee of {$120.00} added along with two days of interest and insurance for the time it would take for the money to reach the bank. The Payoff was made on XXXX/XXXX/2015 a day earlier than they had predicted. I called the bank the following day and asked how they would send the money for the one day of interest and insurance that was paid? I was told that I would get a check along with the title to the car. Title was received on XXXX XXXX, 2015 but no check was with it. I called Huntington XXXX XXXX, 2015 and was told by XXXX that a check and a letter with the breakdown of the charges would be mailed out. XXXX XXXX, 2015 I called Huntington and spoke with XXXX the supervisor that told me that he would email me the breakdown and that he would have XXXX call me on Monday XXXX XXXX, 2015 about the refund. Never received the call from XXXX to this day XXXX XXXX, 2015. The breakdown of the charges that XXXX emailed ( see attached ) was not what I asked for. The amount I was charged on XXXX XXXX, 2015 was {$3700.00}. If you add the {$120.00} early payoff fee the balance would be {$3700.00}. Add {$3.00} for two days of insurance and interest would leave an over payment of {$1.00} owed me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/15/2015 about Debt collection (I do not know) with Hewitt-Capital (MO).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I received a call telling me that XXXX XXXX '' needed to confirm that I was going to home on Tuesday with ID to sign for a package. I asked who it was from he said HC XXXX. I explained that I did not want the package because I am not familiar with the sender. He then told me that he would forward through dispatch to the client who is sending it so that I can verify. I then was put on the phone with a gentleman telling me that a company was filing against me in XXXX County and he needed to send the me the documents. I advised him that I could not commit to be home during any 4 hour window on any day as I keep a busy schedule. HE then told me that he would advise XXXX County that I am a skip and they can deal with finding me. I said no problem sir, but for the record, your false legal jargon needs some updating because when a person is being sued, they are notified by the court so they do n't need your documents. Good Day! I called the XXXX County Courthouse and they advised me that they had no lawsuit pending AND that if a suit is filed and a court date issued they will provide me with the paperwork via certified mail or deputy service. Anyone who gets a call from these people, write it down because this process they are using will hurt them in court! I tried to call the number back to the so called courier service and no one would answer. Then I tried from my home phone an still no answer. Low and behold they called back and the name on the caller ID said " Hewitt Capital ''. I am assuming that this is what the HC in HC XXXX stands for. I guess they either own XXXX XXXX or they were ( and I am sure this is it because according to the real company XXXX XXXX whose number I found online, they are not affiliated ) misrepresenting themselves in order to try and collect a debt. I felt threatened, the conversation made no sense because I initially though he was telling my that I was being sued by the county that I live in. I called my country courthouse and they stated that there was no pending action against me for this company and that they would have served any papers to me. This man made me think I was suppose to be in court next week!! Gave a XXXX XXXX in the middle of lunch with my toddler, thought I was going to have to go to the hospital!

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with TD BANK US HOLDING COMPANY (FL).
Issue: Confusing or misleading advertising or marketing

Complaint: XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX the above company name showed up on my credit report. I don not Have any Account with such company.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Debt collection (Other debt) with OUT TECH, INC. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a wireless service with XXXX, but after a week, they realized that I 'm not qualified for the service, so they asked me to return the phone and they exempt me from any obligation so I did, however, they never make sure that my service is cancelled due to their bridge of contract, I returned the phone in the legal time, but they never noted, they admitted, they made a mistake, by the time I discussed the matter with XXXX, they already sent collection to an agency, they say they can not contact the collection agency on my behalf, however, they gave me an official letter to supply the agency that I owe {$0.00}, but still they put me under collection, which is not fair, when I called the collection agency, they declined to talk to me, they say my problem with XXXX not them.why I have to be under collection and I have proof to prove it with a letter from XXXX please help me take this bad credit from my credit, i feel this is abuse, and tempting to collect something not due the total amount is they say {$530.00} for the phone which I had returned and this my proof thank you very much

Company response to consumer: Closed with explanation