milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I called transunion and told them that we 're fraud charges on my account I did not fill out for credit cards or auto loans they would n't delete them ask to speak to a supervisor they hung up in my face.

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 08-10-2015 about Mortgage (FHA mortgage) with Servis One, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: BSI Financial has not fully answered questions, notices, requests and concerns brought up by me and my attorney. My attorney has requested several times that all sale dates for my property cease while we look into BSI 's responses to my initial concerns and that they provide proper documentation of their alleged right to foreclose. But they have not stopped foreclosure proceedings or stopped the sale date. I have brought up concerns regarding defects in the chain of title, assignment of the deed of trust with the wrong information, robo-signatures on several recorded documents, however BSI will not respond to these concerns. My attorney and I have asked that ALL foreclosure proceedings and sale dates cease until ALL MATERIAL VIOLATIONS THAT HAVE BEEN DETECTED ON ALL RECORDED DOCUMENTS BE CORRECTED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I settled a collection with DIVERSIFIED CONSULTANTS INC. At the time of payment, the representative agreed to " Pay to remove from credit ''. I have disputed this with the credit bureaus, but DIVERSIFIED CONSULTANTS INC continues to report it. I believe this is unfair since I agreed to pay for them to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: My daughter and I have retained an attorney ( XXXX XXXX XXXX ) to ( 1 ) attempt to negotiate a pre-litigation settlements of our debts and ( 2 ) litigate the matter if necessary. Navient, the the third party servicer for a yet to be identified student loan trust, is very aware of XXXX XXXX 's involvement in our affair and Navient has been advised he is our counsel. We are also aware Navient has spoken directly with XXXX XXXX and his staff. However, it is our understanding Navient is refusing to negotiate in good faith. MY DAUGHTER AND MY particular complaint herein is NAVIENT IS REFUSING TO DISCONTINUE DIRECT CONTACT WITH US because XXXX XXXX is not simply accepting they insistence we pay XXXX % of the debt owed immediately. As a debt collector for the student loan trust, I belive NAVIENT IS VIOLATING THE FDCPA 's provisions that a debt collector must cease direct communications when they know or have reason to believe we are represented by counsel. They should not be allowed to ignore my attorney and/or not speak with him when they do not like what he is saying. Moreover, they fact he is simply not agreeing with him does not mean we are unrepresented. XXXX XXXX is our attorney until we complete litigation is necessary. Therefore, NAVIENT is knowingly and malicious disregarding the provision of federal collection law.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i am a victim of identity theft and was XXXX from XX/XX/XXXX until XX/XX/XXXX. I got released from XXXX Correctional Facility- XXXX XXXX on XX/XX/XXXX. Attached is a letter from the XXXX XXXX XXXX XXXX showing proof, I was XXXX and the following unauthorized and fraudulent accounts do not belong to me : XXXX XXXX Bank, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Bank and XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Debt collection (Medical) with Dynamic Recovery Solutions, LLC (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had a XXXX XXXX in XX/XX/XXXX that was taken to the emergency room by her grandmother. My name was used for some unknown reason, I was out of the state at that time on vacation. Arkansas DHS is the responsible party. The bill was and has been turned over to them, and by their statements to me resolved. XXXX XXXX XXXX is the original debt holder {$280.00}. XXXX took the account # XXXX {$280.00} dated XXXX. I disputed the claim and they sent a copy of a bill with handwritten modifications dated XXXX. I have made several disputes of this bill. XXXX XXXX XXXX now has account # XXXX for {$420.00} dated XXXX. I have disputed this. Dynamic Recovery Solutions account # XXXX {$420.00} is acting for XXXX XXXX XXXX dated XX/XX/XXXX. today I talked with XXXX XXXX at Dynamic Recovery Solutions XXXX, she said I would receive media. I do n't understand that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: credit bureaus have failed to remove fraudulent accounts off my file that 's a result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have had a credit card with Capital One for several years. As part of that agreement is an annual {$29.00} membership fee. The account has mostly been at a XXXX balance for the last several years. Last year I was charged the annual fee and not provided notice of that fee. They charged several {$35.00} late fees which they agreed to waive once I made the membership fee payment which I did immediately. At that time I also signed up for text message alerts for balances and payment information. I received a notice from XXXX XXXX regarding a balance on this account. When I checked online they had once again charged me the annual fee and two late fees. As soon as I logged in I received the only text message notice from them since XXXX of this year which was not in regards to the annual fee. They would not agree to waive all of the late fees nor the interest they have charged for the annual fee which again I never received any notification of being due.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My girlfriend received a phone call from a Sunrise Credit Services , Inc. about a week ago. She did not recognize the number and did not take the call. Soon-thereafter, this collection company contacted her number again and she decided to find out what was going on. After she identified herself as my spouse ( which she is not ), the collection agency continued to disclose my information to her without properly verifying. They informed her I had a debt with their organization for a phone bill. According to my girlfriend, this agency disclosed a lot of my personal information. The state of Illinois has a spousal restriction law and also third party disclosure laws. These laws have been violated by Sunrise. Upon contact with me, my girlfriend informed me of what occurred. I asked her to call the number back from her caller ID to see what was going on. When the agent answered the phone they specifically asked what number was dialed and then proceeded to state their call was a mistake. However, the agent then asked if she ( my girlfriend ) know who I am. The problem I have with this is, if they claimed they dialed a wrong number how did they come to ask for me? I am pretty sure many violations occurred on behalf of Sunrise.

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 02/16/2016 about Debt collection (I do not know) with Convergent Resources, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: i made a settlement XX/XX/XXXX. Now XX/XX/XXXX I am being offered yet another settlement on an already paid debt. 

Its been 12 years and now im expected to have receipt on hand. I have GOOD credit. There is no negative on my credit report for many years. 

I have maintained a good credit rating for many years and do n't owe any monies to this collection agency or its affiliates. 

thank you for your time. 

with respect,

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Credit card () with CITIBANK, N.A. (NC).
Issue: Closing/Cancelling account

Complaint: Late with payments, made payment plan arrangement with company. Still calling me XXXX times a day even on Sundays. Have explained several times DO NO CALL ME I am on a payment plan with your company to no avail. They seem to be of XXXX descent as if they do n't understand I 'm paying your company quit calling me. Calls start at XXXX every morning Monday-Sunday very annoying at least XXXX calls per day. I do not understand why they are calling when I have made and am keeping arrangements I put in writing with the company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2017 about Debt collection (Medical debt) with NIC, Inc. (AZ).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: The company I work for monitors and records calls. I had asked XXXX XXXX @ XXXX XXXX to not call me at work ever. He agreed and contacted me by cell phone and email for normal contact. 

Today on XX/XX/XXXX he again called my work and harassed me. He immediately ask for payment of debt. I told him I was at work and could not talk. I asked him, on the call, to contact me outside of work and to remove the work number from his contact sheet. 

He immediately said that my not wanting to talk to him at the moment constituted me no wanting to pay and that he would go ahead and count me as non-payment. 

I was then forced to try to plea with XXXX while on the recorded line and being monitored by my employers. He hung up on me and I had to contact them outside of work. 

XXXX XXXX tone and conversation caused me to reveal information I did not want reveal to my employer. My employers are upset that I had taken company time to address these issues. Had XXXX XXXX not revealed my debt on the call or agreed to handle this outside of work, it would not have been an issue for my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: hi, The This complaint is credit reporting agency " EXPERIAN '' they are reporting Bankruptcy on my credit report which is inaccurate it should been removed, The other credit reporting Agency 's XXXX and XXXX XXXX deleted the " BANKRUPTCY '' Why not Experian does the same thing, also want to remove my personal statement on Expierian report i want to remove it also experian drop my credit score for no reason from XXXX to XXXX which is not fair, i do n't know why is experian treating me like this, i think is my name because i am XXXX othe wise there is no reason the way they are treating me like this 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 explanation
Consumer complaint received 08/22/2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a collection with XXXX that i paid and it is still showing up on my credit report as an open collection. I 've attempted to dispute the item with the credit bureau and the company has verified that its owed when it is n't.

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 09-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Excessive amounts of past debits on my credit history that are n't mine. I 'm receiving collection attempts via phone and mail for debits that are n't mine ; debits are decade old.

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 09/17/2017 about Debt collection (Medical debt) with Retrieval-Masters Creditors Bureau, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Sent letter to collection agency to remove this account from my credit report because it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit reporting () with CCS Financial Services, Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have no record of this company as a owed creditor, will you please remove from my credit. Must supply open date and process of this date, or remove from my report ( XXXX XXXX ) Original Creditor : XXXX XXXX XXXX {$2400.00} High Balance XX/XX/XXXX Opened Date XX/XX/XXXX Last Reported.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Complainant : - XXXX XXXX XXXX SSN : XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX Equifax CRA, is reporting incorrect information on my credit file. Additionally, Equifax has advised that they will not investigate the issues I am disputing, and have gone ahead and turned my online ability to dispute any incorrect information. Further, they are not also refusing to accept any documents I forward to them via fax, mail of electronically to support my dispute.
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Equifax continues to list an incorrect former name on my profile. My name is XXXX XXXX XXXX, with NO generational tags to it. Equifax is showing an incorrect name on my profile. Again please see attached drivers license and ssn card showing my correct name.
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Equifax is listing a FORMER SSN as being associated with me. I only have one SSN number and do not understand how my profile would have more than one SSN. I have contacted all current and former creditors and they have all verified that they did not provide this incorrect information to Equifax. I have demanded that Equifax either remove this inaccurate information or provide the name of the creditor providing this inaccurate data. They have advised that they do not know who is providing this inaccurate data but will still report it.
<P/>
I have retained the services of an attorney, XXXX XXXX, and submitted a power of attorney to Equifax, to allow them to discuss my account with him directly. XXXX XXXX attempted to contact Equifax on my behalf but they declined to discuss any matters on my account with him.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Payday loan, title loan, or personal loan (Title loan) with Westlake Services, LLC (NY).
Issue: Vehicle was repossessed or sold the vehicle

Complaint: Car was repossessed on Wednesday. Payments were made on Wednesday and now I ca n't get the car back from repossessions people. Ive been calling them for 3 days and car was taken out of XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NV).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On XXXX/XXXX/XXXX I received a notice from the bank that I owed them {$120.00}. So I pulled up my bank account and saw that their was a Phone number attached to the amount being levied against. So I called that number it was the California XXXX XXXX XXXX debt and collection unit. I got a call back from a person name XXXX XXXX XXXX ) XXXX Fax ( XXXX ) XXXX Voicemail, I explained to him that I was on Social Security and the account that Wells Fargo levied against was a account that I have n't used in sometime and when Wells Fargo levied my account the account was XXXX. He told me he did n't understand why Wells Fargo would do that because they knew that they would not be able to collect upon the debit and I would have to take that up with Wells Fargo. So I called Wells Fargo And spoke to someone over in the Legal Processing Unit ( XXXX ) XXXX they told me the case was closed because their was no money in the account to collect. But I still owed the bank {$120.00} for the processing fee of the court order. Wells Fargo is charging me this fee on an account that was already delinquent on funds. To charge this fee knowing no money is available is a very greedy practice.

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 monetary relief
Consumer complaint received 10-03-2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Balance transfer

Complaint: Complaint is with Chase Credit Card Balance Transfer Offer. Please see attached document

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (LA).
Issue: Loan modification,collection,foreclosure

Complaint: Dear Sir or Madam : In Re : loan # XXXX reason for me writing is that I am in the middle of a loan modification but are also in the middle of a foreclosure file by Nationstar Mortgage behind your back, who scheduled a sale of my property for XXXX XXXX, 2015, that I was not aware of, feeling secure while relying on the mortgage company 's promise that they " we will not foreclose while I am in the process of obtaining a loan modification. 

Furthermore, I believe the mortgage had already turned my loan over to a foreclosure attorney while luring me into believing that they are trying to work on a loan modification. This due process is called dual tracking and refers to the practice of a mortgage company running the foreclosure process at the same time of running the loan modification process and this is a violation of the National Mortgage Settlement. 

Lastly, I have submitted the form XXXX, Hardship Affidavit ; and Dodd-Frank Certification to my dedicated loan Specialist XXXX XXXX XXXX who is working on my file. 

Thank you for what I hope will be your prompt attention to this matter. 

Very truly yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am submitting my correct information with Equifax to dispute the inquiries on my credit report. In reviewing all ( XXXX ) agencies, I have a total of XXXX inquiries on my Equifax , but lessor amounts on XXXX and XXXX. I do not understand why I would have so many on XXXX report other than they were not approved. I am unable to use the dispute option online even with providing my proper and correct information as it is rejecting it. I have attached proof along with my dispute letter to Equifax. 
I have also provided proof of answering my security questions correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southern Management Systems Inc. (FL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: first time she called was very rude. she has called several times even on sunday has left my a ton of voicemail. I explained to her my financial situation. she said the apartments agreed to settle for XXXXand when I ask her to send me a letter stating that she gets very upset explaining to me that she cant do that, that I send money first than they take it off..

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit card () with BARCLAYS BANK DELAWARE (TX).
Issue: Other

Complaint: I have a credit card from Barclays Today I received a letter form Barclays indicating that if I did not use my card within the next 45 days ( Williams Sonoma card account ) they would not renewnot renew my card. The card has a XXXX balance. 

Is this legal? 
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 explanation
Consumer complaint received 06/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: WHAT IS THE XXXX LAW THAT SAYS XXXX CAN CONTINUE TO ADD MONEYS TO A CLOSED ACCT.? IT STARTED AT $ XXXX I OWED, REFUSED TO PAY BECAUSE THEY SOLD ME A DEFECTIVE COMFORTER, THEN ACCT. WAS CLOSED, MY CREDIT REPORT THEN HAS $ XXXX NOT PAID, THEN WENT TO $ XXXX NOT PAID, NOW IT 'S $ XXXX WHEN DOES THIS XXXX STOP? WHEN DOES XXXX GET REPRIMANDED, FOR THE LIES, UNTRUTH OF AMOUNTS ON MY CREDIT REPORT? I AM NOT PAYING WHAT I DO NOT OWE!! XXXX/XXXX/16 NEXT WEEK IT WILL BE EVEN HIGHER OF WHAT THEY ARE TRYING TO RIP-ME OFF FOR!!!!!!!!!!!!!!!!!!!!

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