milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/14/2017 about Debt collection (I do not know) with Fidelity National Information Services, Inc. (FNIS) (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Complete pay leaves a recorded message Every other day for weeks. to call them back at XXXX XXXX XXXX not leaving a name whom They are calling for, There is no debt in this household.

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 12/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts, names, and addresses I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 01-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have made XXXX separate request for TransUnion to delete the late payment that was reported by XXXX XXXX aka XXXX XXXX and TranUnion has continue to report the late payment. I enclosed letters and emails received from XXXX XXXX on their company letterhead validating the company 's agreement to remove the reported late, however, TransUnion continues to report this inaccuracy although they have the document proof. I have continuously requested and provided written proof to TransUnion and yet they blatantly refuse to remove the reported late which is a violation of my rights under the FCRA. I am seeking the assistance of the CFPB to investigate the issue and I have attached proof of the agreement to delete letter.

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 11-02-2017 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: This account is about my child support payment to the Texas OAG office. The account balance and the reported payments are always reported wrong to all the credit reporting agencies. 

Since XX/XX/XXXX, I had been awarded and receiving a monthly social security survivor benefits in the amount of {$1300.00}, to which the Texas OAG attached a lien and had since been collecting one third of my benefits every month in the amount of {$450.00}. The OAG office collects this amount from my survivor benefits promptly without fail. Also in XX/XX/XXXX, I settled an auto insurance claim for about {$13000.00}, and between the lawyers, the hospital bills and the rest of the other medical bills, the OAG got {$5900.00} of the settlement, and the rest went to the attorneys and the rest to the medical providers to settle the medical bills. Not a penny for went me. I do n't have a problem with the OAG taking the money for my child 's support, what I have a problem with is the reporting errors. 

For instance, my total monthly child support payment is {$340.00}, of which {$220.00} is for the chaild 's support, {$75.00} for the child 's medical, and {$100.00} to go towards reducing the arrears, which as of XX/XX/XXXX before the social security survivor benefits I started receiving my benefits my arrears was then at a little over {$10000.00}. But as I already indicated, the OAG office is actually {$450.00} from my benefits. Yet for the past 10 months, my credit consumer report is showing zero payment into the account, it shows that no payment has been made on the account for almost a year, that has always been past due for 30, 60, 90 days, and that is just not true. I have all the documents to prove it if requested. As of today when l checked the account balance, it shows that the account is past due 8 months, and the remaining balance does not accurately reflect the arrears balance.

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 07-12-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Contacted Equifax about a Hard inquiry on my allegedly reported from XXXX XXXX dated XXXX XXXX XXXX I believe to be wrong. Also contacted XXXX XXXX. XXXX replied with letter dated XXXX XXXX XXXX confirming according to their records, that entry of the hard inquiry appearing on my Equifax reported date XXXX XXXX XXXX is indeed wrong. It will be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Bank account or service (Checking account) with BB&T CORPORATION (NJ).
Issue: Problems caused by my funds being low

Complaint: I recently received a fee for an item that was paid XXXX/XXXX/16 from my Bank BB & T, even though I had and still have more then enough in my checking account to pay the check. The system in which BB & T executes their overdraft fees is very suspicious. 

The person at customer service at BB & T said I received the fee because on XX/XX/XXXX the check was sent for payment. Not only did I have enough in my account to pay the check, but I also had a cash direct deposit that morning and another XXXX/XXXX/16. Throughout the weekend I used my debit card watching to make sure the funds were still available and even made a deposit Saturday morning just in case. The banks methodology is that throughout my transactions that weekend, all of my " debits '' worked against me and I did not receive credit for my deposits reasoning their over draft fee but that seems very in genuine ; all while not being notified that a check is posting to my account. Instead it posts 3 days later along with an overdraft fee. 

First, if the bank wishes to apply the charge on XX/XX/XXXX rather then XX/XX/XXXX I feel that should have been reflected on my account that day and not XX/XX/XXXX, since, as stated my account could handle it. Hiding this information has no real substance other then keeping the consumer in the dark in order to have them slip up. Also, their " voodoo '' accounting of what counts for that day and what does not sounds very heavy handed in order to reach an outcome in which they profit. As their customers, we deserve some visibility to situations happening with our accounts, and deposits should carry as much weight as debits, even if they are " pending ''

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 01/26/2018 about Debt collection (Medical debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: My name is XXXX XXXX, XXXX XXXX, XXXX XXXX, Transunion is reporting two medical accounts in my credit report, Transunion is violating the new laws that say medical accounts must wait 6 months before they can be placed into the report, both accounts are from 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 11/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (GA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have sent XXXX certified letters to XXXX requesting validation of the debt that they claim I owe and have STILL not received a response. The XXXX letter was signed for on XXXX/XXXX/2016 with no response. The XXXX was signed for on XXXX/XXXX/2016 with no response. I have not received validation for this debt nor has the company placed a consumer dispute comment on my credit report within 30 days of receiving any of my letters. This company is in violation of the FCRA. I have attached all letters that I have sent along with the certified letter receipt ; It has been four months with no response with validation of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2016 about Debt collection (Payday loan) with Advance America, Cash Advance Centers, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX 2016 a collection account showed up in my credit report. I contacted the debt collector and made payment arraignments to settle the debt of {$380.00}. On XXXX XXXX 2016 the agreed payment of {$200.00} to settle debt in full was paid and acknowledged as received. Instead of updating credit bureau report as paid in full, it was updated to balance of {$180.00}.

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 09-11-2016 about Bank account or service (Checking account) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Several years ago Union Bank of Ca switched my checking account from a standard account to one that required a {$10000.00} min and would pay interest. It also would charge me a higher fee if I did n't maintain the balance. I was never asked to switch accounts or contacted in any way. I just noticed the higher fees on my statement. I called and was told that a teller ( I recall XXXX ) in a branch in XXXX which I 'd never been to had made the change to my account after someone cashed my check at that branch. When I heard the XXXX story I realized this could have been a similar scam.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen. I filed a police report and have attached it to this complaint. My credit file was accessed without my knowledge or approval online without me being physically present and showing an ID. I did not authorize the credit inquiry on the following dates from the following creditor : XXXX XXXX XXXX / XXXX Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/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 05-12-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Trouble during payment process

Complaint: OCWEN continues its deceptive and misleading servicing practices and refuses to correct errors on my mortgage bill statem ent. Ocwen charged me {$110.00} for a property valuation expense, mortgage account statement shows. OCWEN claims " the property valuation was completed i n response to a request for a loan modification, in which we needed to obtain a fair market value of the property ''. The question is not whether a request for mortgage assistance was submitted. The question is why am I charged {$110.00} for a property valuation when there was no advanced notice and consent given by me. I submitted a request for mortgage assistance. I did not request, accept, or approve of any valuation of the property, period. I had no idea a request for mortgage assistance automatically triggered a {$110.00} property valuation fee to my bill. This is a complete scam! OCWEN failed to give any advanced notice of a property valuation expense, or even ask for my consent. Please immediately remove the {$110.00} property valuation expense and send me a corrected mortgage statement.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Hello, my name is XXXX XXXX my reason for contacting you is for 2 reasons. 
1 ) Wells Fargo has recently put a negative on our credit history that was in error by them, this HUGE matter is costing us tremendously, not only holding up our refi but may cost us in taking advantage of the recent low interest rates while we wait for them to take off the system. 
2 ) XXXX is the XXXX University that our daughter attended and now has a HUGE Private loan from. Our question and concern has been all this time WHY was she not offered and given a Federal Loan when she applied? The loan Dept at XXXX was very disorganized and not helpful. Our daughter should have qualified for a Federal Loan, she is XXXX and had great grades and was very goal oriented and dedicated student. To our HUGE dismay she was offered a Private Loan without ever an explanation of WHY she did n't qualify for a Federal. To date she has had this HORRIFIC LOAN that my husband co-signed unfortunately and so now we are affected as well. It 's been 7 yrs having this HUGE BURDEN on our credit but mostly our daughter who has struggled to make the HUGE payments all these years. She wakes up with this on her mind and goes to sleep with this last thing on her mind. It 's destroying our family not to mention our daughters HEALTH and future. She is not able to buy a home, have children, nor save her marriage due to this nightmare. She regrets ever going to college, I never thought I would agree with her. Please help us look into these matters ASAP. We truly need help NOW, we are trying to find a lender in order to refi and consolidate for our daughter. It 's time that something NEEDS to be done about this crime done by some Universities. Thanking you in advance XXXX XXXX XXXX or husband XXXX XXXX XXXX ) XXXX XXXX ( student/daughter ) XXXX. PLease I ask you for some help and guidance.

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 07/25/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: I was deceptively charged a fee after receiving a credit report for XXXX dollar. I cancelled the service immediately and Experian did not honor the cancellation. his company was sued before for the same offense and it is at it again. Experian is getting away with deceptive practices and no one is stopping them. I feel that the US government should intervene before many others are being ripped off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/15/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Other

Complaint: I purchased an American Express Bluebird card at the local XXXX. I loaded it with {$500.00} cash. 
After reviewing the disclosure document enclosed with the temporary card, I requested a refund of my money. I never used, activied or signed the card. I called XXXX days after the purchase. 
I was told when I called to check status of refund, the refund was processed on the XXXX of XXXX. I requested the refund on the XXXX. Fine, it was processed late, but I waited, going to the post office and calling the XXXX day, when the check was not received. I was put on hold and left on hold not once but twice, lied to by he first clerk who actually told me they do not process refunds, which I replied that the disclosure states quite clearly that you DO. He then put me on hold, in the ruse to get a manager, and never came back. I have been going back and forth with this since, I still have not received my refund, and the delay caused me financial setback, and stress, XXXX, pain and lack of sleep. I am at my witts end with this I can not tell you how this has caused me so much XXXX and distrust. I can not comprehend what is going on and why. Please help me get me cash refunded and the financial loss I suffered as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX sent my credit information to various banks without my consent giving me more than 1 hard inquiry like they stated i would receive. They kept on sending out my credit report a day after i had already turned down their offer. 
XXXX XXXX XXXX, 2017 Ally Financial XXXX XXXX, 2017 XXXX XXXX XXXX XXXX, 2017 XXXX XXXX XXXX, 2017 XXXX XXXX XXXX, 2017 XXXX XXXX XXXX XXXX, 2017 XXXX XXXX XXXX, 2017

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 10-07-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Credit line increase/decrease

Complaint: CitiCards said they were going to do a " soft pull '' when I asked for a credit line increase but they did a " hard pull '' and it is now on my credt 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 07/13/2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (NC).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Medical Revenue Services  has been calling me on my personal number and at my work number several times a day. This is for a medical bill to  XXXX   XXXX   XXXX  for {$1200.00} that I am paying directly to the original creditor, I 'm making a monthly payment on a couple different bills and this is  one  of the ones lumped in to the payment.  <P/><P/>  MRS was  rude, after I asked them to not call me at work because my employer does n't allow it. She got mean and nasty and started yelling at me. Told me they would take me to court. These people are ridiculous. Would n't give me any information, pushed that I pay them in full immediately. When I told her I was paying the original creditor, she said I was lying and they would n't have sent the debt to them if it was n't valid. When I told her that I was n't going to pay her she said fine, we have been reporting on your credit report, and will continue to do so and hung up.

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 06-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I was inbetween jobs for about a year after I graduat ed. At one point, I entered into IBR but after I got married, was told, I no longer qualify despite the fact that only I repay my loans. Because I didnt have a steady job, I deferred and no one from Navient explained to me that the interest would be tacked on and inflate my monthly payment. I had an extremely low payment but after the deferment, I now have to pay {$1200.00} a month which is my cheapest option, at an interest only payment. This payment will go up every couple of years. Navient did not share this with me and did not try to help me find a lower payment. I am struggling to make this payment and it 's absurd to me that no on e from the company would have identified this to me as a future issue. I need a lower payment as soon as possible. I am going to begin calling the company every work day until they make an adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: 1. in XXXX XXXX, i had to file for chapter XXXX bankruptcy due to the housing market crash. my bankruptcy was discharged in XXXX XXXX all XXXX credit reporting agencies kept the bankruptcy on my report for an additional year ( should have been removed XXXX XXXX, was not removed until XXXX XXXX. 
2. I submitted a letter to all three agencies about a mistakenly charged child support payment that was never finalized signed by XXXX and XXXX of them still have not removed it from my report. 
3. I had to short sell my house and was told that it would fall off of my credit report 2 years after the last late payment. XXXX of the agencies have dropped it, a XXXX has not. 

all XXXX of the agencies have been seriously negligent in correcting these issues and i have filed disputes constantly. when i called to find out why my credit scores were still so low, they told me it was because of all the disputes i had filed. so my credit report is supposed to suffer because i am complaining that they are not doing their jobs? 
i really need some help with this as soon as possible.

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 03-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Item # 1 : XXXX - XXXX showing as Charge off is incorrect ; this account was paid in full in 2007 and never late. It is also 10 years old and should be deleted. 
Item # 2 : I dispute XXXX - XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. 
Item # 3 : I dispute XXXX - XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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