milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/18/2017 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed a public record for removal on  XXXX   XXXX ,   XXXX   online, in regards to  XXXX  bankruptcies on my credit report that was not factual, and I received a response for both public records that they completed the request on  XXXX   XXXX ,   XXXX  . According to the FCRA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it s tates that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 8 days after the dispute, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this public record display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for the public records. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
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 a bankruptcy on my credit report that does not belong to me that is linked to my name .... I have disputed this several times and it keeps coming back as verified.. I contacted bankruptcy dept and they said that they did not verify anything with TransUnion because they dont have a bankruptcy under my name and ssn .. I dont have any bankruptcy accounts on my credit report but have a bankruptcy which is letting TransUnion know I did not file bankruptcy ... Under FCRA protection for consumers.. I request TransUnion to send me method of verification ( a ) name of courthouse ( b ) the persons name they verified the dispute with ( c ) the address ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute ... And I need this deleted from 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 12/27/2016 about Credit card () with Resurgent Capital Services L.P. (PA).
Issue: Credit determination

Complaint: This collection agency has multiple errors on my credit report that are untrue to amounts owed. I 'm being harassed with letters in the mail as well as phone calls daily.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Student loan (Non-federal student loan) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Over a year and a half ago we started the process of buying a home. Our mortgage guy sent us to a credit repair co. They got the collection account from XXXX XXXX XXXX XXXX XXXX taken off my credit, because it was unverifiable. Now it is back on my credit. I have credit reports showing the trade line on and then off and now today it is currently on my report. When I called to verify the account with XXXX & XXXX they sent me a heavily redacted letter verifying absolutely nothing. I would like this unverifiable account taken off my credit and removed permanently. This should not be a loan I have to pay for if there is no verification that it is my debt. Attached are the credit reports and the letter of verification that was sent 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 07/28/2016 about Debt collection (I do not know) with ACE CASH EXPRESS, INC. (AR).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I have no idea what this is even about. I have attached the email and the email attachment that was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: hi, i just check my credit report 2 days ago From Equifax and i find a collection charge in the amount of XXXX dollars, From '' XXXX XXXX XXXX '' this charge does not belong to me and also an account from XXXX XXXX does n't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: They had a major security leak, which potentially included my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (I do not know) with Nationwide Debt Management Solutions, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received repeated phone calls from  Nationwide Debt. My mother was called and contacted me. They threatened to contact me at work. I called Nationwide to understand the nature of the call and was informed that I owe a debt. I did not recognize the debt  yet they had personal information that I did not share with them. I tried to relay to the representative that I wanted proof of the debt. The representative was rude and condescending with me so I discontinued the call. I was later called on my job by  XXXX   XXXX  to resolve this matter.  It is one thing to contact me through family members and my cell phone and it is completely egregious to call me a t work.   My company does not condone the use of their phone for personal matters. If I broke company policy that would put my livelihood in jeopardy. I have a problem with this approach. It is my desire to never have them contact me again at work or any other number that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: CitiBank - CitiCard, Credit Card Division - Citibank closed my account, due to inactivity, last activity was in XX/XX/XXXX a payment of {$1.00}. I have had this account since XX/XX/XXXX. As a result, my FICO credit score, and other credit scores by other reporting agencies have tremendously dropped by at or around 40 points. I requested Citibank reopen the account. CitiBank has informed me that in order to reopen the account, and regain my credit history since XXXX XXXX, CitiCard will have to pull my credit. I have 90 days to decide whether to reopen the account, otherwise credit history is lost. The issues I find here include the following : 1. I was not given notice prior to account closing. Section 7 of Credit Agreement states the following : " Closing or Suspending Your Account. We may close or suspend your Account if any of the events listed above occur, or for any reason, or for no reason. We may do this at any time, without notifying you, as allowed by law. '' Notice should be given to customers prior to closing their account that has been opened for close to a decade. CitiCard representative also stated that you have informed colleagues that notice should be given to customers before account closing. 2. My credit history has been damaged as a result of CitiBank closing my account. I have been personally damaged by my credit history declining as my husband and I have began the homebuying process, initial discussion with real estate representatives and banks. 3. I have been damaged with this inconvenience my time and pice of mind has been damaged. I called CitiBank on XX/XX/XXXX on or about XXXX XXXX PST and was on the phone with a CitiBank representative for close to an hour. My issues have still not been resolved. I am reporting this complaint to resolve my issues by opening the account without pulling my credit score.

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 12-08-2015 about Prepaid card (General purpose card) with U.S. BANCORP (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: I had a US Bank Visa gift card that was obviously tampered when I removed it from otherwise pristine packaging because the gummy gel used to hold it in the packaging was clearly all wrong. It was n't activated properly, but even after getting help activating the card, the magnetic stripe had been demagnetized so I could not use it. I called US Bank Visa Card services to replace it about 2 weeks ago free of charge, and it has not been replaced, despite having faxed everything they asked for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Garcadia Financial LLC (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Auto finance companies use the shot XXXX approach on my credit report Now I have several hard damaging inquires on my report cause me to be denied for anything I apply for

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Debt collection (I do not know) with Convergent Resources, Inc. (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Convergent Outsourcing , Inc . 
XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX This debt collection company called my landline. The caller id displayed PRIVATE NUMBER XXXX. The voice mail they left was a robo-call identifying them as Convergent Outsourcing and that they were attempting to collect a debt. I do n't know what debt. When I XXXX the phone number on caller id, I discovered it was for XXXX in XXXX, Oregon. XXXX I also XXXX the collection agency and they are located in the State of Washington with no offices in XXXX, Oregon. They obviously spoofed a different business ' number in an effort to trick me into answering the phone. I am of the understanding that this practice is against Federal law, so I want to file a complaint. I will be mailing a Cease & Desist letter tomorrow but I still want to complain about the spoofing. I am retaining a copy of the letter and I am saving the caller id information and voice mail to prove my side of this story.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Service was being interrupted for 3 months and they didnt know why and they couldnt find why. I was not on contract and was paying for 3 months with no service. I told them to cancel the service and they where supposed to do so and they didnt,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Credit card () with WELLS FARGO & COMPANY (CO).
Issue: Billing statement

Complaint: My wife passed away on XXXX XXXX, 2016. We were married for 50 years. I notified all of the credit card banks and they all forgave me and my late wife of the money owed the. All but my own bank of Wells Fargo. They said I was co-signer of the card and I must pay them. I reminded them of the Colorado state law that says that I am not responsible for the debt. A month after she died, Wells Fargo said they sent me a credit card for her account. Strange that they would mail me a card a year and a half after ( they say ) I " verbally '' said I would be a " co-signer ''. I asked for me to hear the tape they claim to have of me agreeing to be a co-signer. They refused and told me to hire a lawyer. As a former state representative from XXXX, I served on the XXXX. I realize the problems banks are facing but I had no idea that besides me -- there were XXXX XXXX other customers who were LIED to and cheated by Wells Fargo. I will not be intimidated by them and I wo n't pay these corporate " crooks '' a XXXX. I am XXXX years old and this bank should be there for their customers. I want to file a formal complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Student loan (Non-federal student loan) with CITIBANK, N.A. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Citibank is reporting the wrong default date. I graduated XXXX, I had a 9 month grace period before I was in default I never made a payment. My default date should have started XXXX/XXXX/XXXX on all XXXX of my loans. They are not reporting it as such on my credit. I want them to correct that date. my 7 year period has ended.

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 11/23/2016 about Debt collection (I do not know) with CMRE Financial Services, Inc. (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have not called them yet for I just looked in my mail and found this. Says I have a balance due of {$320.00} from something I have no clue what it is about. I went online to look up the company and have seen many negative responses about 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 10-05-2017 about Debt collection (Private student loan debt) with TRANSWORLD SYSTEMS INC (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have sent previous complaints regarding XXXX XXXX XXXX regarding them trying to collect the wrong debt amounts through XXXX. Now all of the loans, except one, have been referred to another collection agency ... XXXX XXXX XXXX in New Jersey. 

I sometimes could not directly contact XXXX XXXX XXXX, was given wrong phone # s, or given the name ( s ) of phony reps with wrong numbers. No one would return my calls, and the amount owed was/is always misrepresented. 

I have paid thousands of dollars dating back to XXXX, but was always sent statements reflecting the original amounts, as if nothing had been paid on behalf of or to XXXX XXXX XXXX. 

I sent you a complete file regarding XXXX on behalf of XXXX XXXX XXXX, but again, four of those five private loans have now been referred to XXXX XXXX. My original complaint should be XXXX. 

I hired a lawyer who arranged a " settlement '' of {$12000.00} payable @ {$510.00} per month payable to XXXX XXXX, which began XXXX XXXX and will continue through XXXX XXXX. Though on limited income, I have paid faithfully each month and continue to do so. Both my daughter, XXXX XXXX and I are to be released when the settlement to XXXX XXXX is paid. 

Perhaps there is nothing that can be done, or my situation may not be considered a complaint, since a " settlement '' was  reached, but I thought I should at least provide this information since your agency has filed suit against XXXX XXXX XXXX. 

I am still paying XXXX {$100.00} per month ( also on behalf of XXXX XXXX XXXX ) on one last loan of which the original amount of {$12000.00} has not never gone down. 

I am forwarding what I consider to be pertinent information. 

Thank you for your attention. 

Something has happened that I can not reset my password. I have tried several times. Please re-send that message to me so I wil be able to check the status of my complaint ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I opened several accounts wit h Wells Fargo afte r filing a Chapter  XXXX  Reorganization Plan.     Every time, I deposit a check, they place unreasonable hold on my funds.     Each time I deposit checks into my account,  Wells Fargo has a different reasoning for placing a hold on my funds.      If the check exceeds   XXXX  , there is a hold If the check exceeds {$5000.00}, there is a hold Meanwhile my funds are on hold, they are charging me overdraft fees for my automatic withdrawls.     I do NOT think it is fair at all, they have my money and are holding it unreasonably.      XXXX , from Pennsylvania and her  Supervisor   XXXX , no last names NOR employee numbers were available.     They further went to explain how the  Federal is HO LDING a portion of my check for Further Verification and Processing.     They claim that  Wells Fargo has N OT been given the funds even though the issuing bank has released all of the funds.     This is troubling to me in that i paid over {$200.00} in Bank fees last month. This type of practice is jeopardizing my  Reorganization Plan.      Please ask  Wells Fargo for  their side of this story.     Thank You,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Commonwealth Financial of XXXX Georgia purchased this debt from the original creditor, XXXX, and entered duplicate information on my credit report for a debt that already existed on my credit report as a mark against me as though it is a new report on my existing account. The original debt Is 4 years old! Not to mention the emergency room XXXX ordered a XXXX exam when I entered the ER for XXXX! I told the ER XXXX there was nothing wrong with my XXXX and he ordered it any way! They keep renewing the information as if it is brand new thrwarting any opportunity for the debt to fall off after the amount of years of liability expires. This is unfair credit reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX is refusing to review a complete modification package stating that it is too close to the sale date. Yet the file was marked as received and in review per Execive office. XXXX XXXX is dual tracking which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit reporting () with EQUIFAX, INC. (ND).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Approximately, at the beginning of XX/XX/XXXX I attempted to obtain an annual credit report from Equifax. Equifax did not have suitable information to provide my report and this information was conveyed to me via letter. Said letter is dated XX/XX/XXXX This same letter is addressed with an apt XXXX number. I replied with a copy of identifying documents. Equifax was unhappy with the information I provided and again requested different identifying documents. This letter is addressed with a unit number. I replied with a copy of identifying documents. Equifax was unhappy with the information I provided and again requested different identifying documents via a letter dated XXXX. I replied with a copy of identifying documents. Equifax was unhappy with the information I provided and again requested different identifying documents via a letter dated XXXX XX/XX/XXXX. Equifax demands I provide documents proving I reside within a Unit rather than an Apt XXXX Equifax has sent me a letter at the same address with both Unit and Apt XXXX designation for my apartment number. Evidently, Equifax knows more about my abode than I do, yet will still not provide me with access to my credit report as required by law. XXXX, XXXX and XXXX have all provided me with my credit report to an address with an Apt XXXX designation. This complaint is the second complaint I have filed with the CFPB about the same subject matter. Please see attached documents from Equifax, XXXX, XXXX and XXXX mailing correspondence to an Apt XXXX designation. Yet again Equifax has skirted compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Since XXXX 2016, Credit Control Services has been reporting a collection from XXXX XXXX XXXX for {$210.00} to several credit bureaus. This debt is not valid as I should not owe any amount to XXXX. I cancelled my plan with them when I got new coverage for both my vehicles. All premiums were current at that point. Without prompting, they decided to extend my coverage and then charged me for it. It was not coverage that I needed, nor were they told to do so. As such, I refuse to pay this bill incurred without my consent.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit card () with Continental Finance Company, LLC (TX).
Issue: Closing/Cancelling account

Complaint: Matrix Credit Card says my account is closed as of XXXX/XXXX/17 but still wanting to charge me {$12.00} a month. Ca n't access web site to see anything and people over phone are clueless and just say they cant help.

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 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
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 recently pulled my credit report and discovered that a collection agency ( XXXX XXXX XXXX ) was reporting against my report and indicating that I had a debt which in fact is not my debt. I contacted XXXX and they informed me that they are were not reporting information on me to Transunion. They claimed that Transunion is wrongly matching their record to me. So i contacted Transunion and they opened a disputed case for me with XXXX. Transunion claimed that they only report what XXXX submits to them. XXXX says that this type of matching mistake by the reporting bureaus is common. The disputed item was removed but now it has reappeared on my report. I find Transunion unwilling to even discuss the possibility that they are matching to me by mistake. they also are not very cooperative when i have called them by phone.

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