milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had an account with XXXX which I paid in full. The account was supppose to be removed upon payment but it 's still there. According to credit report on XXXX XXXX it was a removed collection but it 's still posted as a derogatory mark in collections account. I also have an account with XXXX for XXXX XXXX XXXX that keeps appearing on my account which was removed off of my report but keeps reappearing. The amount was disputed once the account was cancelled. I 've contacted XXXX they ca n't seem to find my information but it 's clearly on my credit report saying that I owe XXXX. One of the papers I attached clearly shows that XXXX XXXX XXXX account was closed and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Upon reviewing my credit report, I noticed an inquiry made on  XXXX   XXXX ,  2016 un der the name of  TD Bank USA/Target C. I immediately made contact with   XXXX   to dispute and have this corrected. I 've  been trying to have them remove this inquiry for the last couple months and each time they claim that this inquiry is correct. I made contact with Target and informed them of the situation. They immediately apologized and informed me they would mail me a letter in regards to the inquiry with all the information needed to remove this inquiry. Once I recieved this letter, I was to fill out the bottom portion of the form and mail it over to  XXXX . I mailed the letter to  XXXX  but they are claiming that inquiries are a factual record of file access and will not remove this inquiry and that I need to contact Target directly and follow their internal fraud procedures which I have already done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NH).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I put a security freeze on my Equifax account yesterday, due to the data breach. They charged me {$10.00}, and tried to get me to sign up for their protection program ( where I would lose class action status. ). I told them I only wanted the ability to freeze my credit for free. I spoke to two different managers ( including a XXXX. XXXX  who refused to provide a first name and phone number. ). No one would help - they forced me to pay {$10.00} for something they should be offering for free. Profits before protection, apparently ....

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (UT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Institution Information BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX They did a hard inquiry without permission. 

XXXXnstitution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX.They did a hard inquiry without permission. 

Institution Information XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. They did a hard inquiry without permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX. Dont recgonize this they did a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. Dont recgonize this they did a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Dont recgonize this they did a hard inquiry

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 09/18/2017 about Debt collection (I do not know) with Receivables Management Partners, LLC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: This is a matter that happened 22 years ago ( XXXX ). The community I lived in took me to court even though I was no longer on a lease, and had a month to month agreement. I moved out and left no forwarding address. It was n't until after I found out about the judgment. Fast forward to XXXX they take my tax return in compensation. Fine. Now it 's XXXX and I get a phone call from a collector telling me I owe {$3900.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing statement

Complaint: Macy 's credit card website is designed to confuse its credit holder. I enrolled paperless statement, but the website does n't offer download monthly statement in PDF file. It is extremely difficult to read Macys ' credit card statement in an excel format. I have asked the electronic PDF statement, but no avail. I had to unenroll paperless, and wait for the us mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: when I went to get my pay off om my mortgage it was listed as XXXX principal and they told me even if I pay it off I will still owe them XXXX dollars interest and it will make my pay off XXXX dollars why can a bank do that to a customer and other loan company 's can not? what part of out sick government lets them do such things to a hard working citizen of this country?

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 11/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Residential Credit Solutions, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXXAttention : RCS Inc. Error Resolution/Information Request/Customer RelationsLoan # XXXX : Short Sale Decline AppealDear Sir/Mam, I am formally requesting an appeal in reference to the decline of my Short Sale Application submitted on XXXX XXXX, XXXX. The documents requested by RCS were forwarded in their entirety within the deadlines provided to complete the file. We have a qualified verifiable all cash buyer prepared to proceed. On XXXX XXXX, XXXX RCS violated of the Department of Justice Settlement National Mortgage Servicing Settlements that prohibit lenders from dual tracking foreclosure ( see highlighted below ), by declining my loss mitigation application short sale without legitimate cause and furthermore not exhausting the appeal process before pursuing a foreclosure sale on XX/XX/XXXXCFPB Rules Restrict Dual TrackingThe CFPB, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of XX/XX/XXXX, issued new mortgage servicing rules that went into effect as of XXXX XXXX, XXXX. Among other things, the rules restrict dual tracking. 
Under the new rules, a mortgage servicer can not initiate a foreclosure until you 're more than 120 days delinquent ( which provides a reasonable amount of time to submit a loan modification application ). Also, the servicer can not start the foreclosure process if a loss mitigation application is pending. 
If you submit a complete loss mitigation application to your mortgage servicer after the foreclosure has started, but more than 37 days before a foreclosure sale, the servicer must stop the foreclosure process until : the servicer informs you that you are not eligible for any loss mitigation option ( and any appeal you make has been exhausted ) you reject the workout option that the servicer offers to you, or you accept a workout, but fail to comply with the terms of the deal ( such as not making payments during a trial modification ). Source : NolopressIn addition to this letter I have included the following documents for your reference:1. Signed Purchase Agreement Buyer/Seller2. Buyer Proof of Funds3. RCS Correspondence dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXXI have also forwarded this to the Consumer Finance Protection Board in the form of a formal complaint to the Consumer Protection Finance Board. 

Thank you, XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 02/22/2017 about Debt collection (Medical) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am currently dealing with an account with Midland funding. The account was settled, but I 'd never received receipt or any proof of payment, all I have is bank statements stating that I paid them. this is still showing up every month as an unpaid debt on my credit report and as I am trying to purchase a house, this is really hurting my credit. My calls to Midland funding and with the promise of an email stating that my account is paid and closed, But I never get anything and it continues to show up on my credit report every month as a delinquent balance.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Mortgage (Conventional fixed mortgage) with HOMESTAR FINANCIAL CORPORATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I obtained a mortgage from Homestar Financial Corp. for {$60000.00} at 3.5 % interest rate. The loan number was XXXX. I made my first payment of {$31000.00} to pay off part of the mortgage on XXXX/XXXX/2016 to Homestar. 

They cashed the check on XXXX/XXXX/2016 and applied only {$660.00} toward the mortgage and then sold the mortgage to XXXX ( account number XXXX ). The balance transferred to XXXX was {$59000.00}. This balance clearly failed to reduce the amount by the additional {$30000.00} they had cashed on XXXX/XXXX/2016. 

After I received the XXXX statement in XXXX and saw that clearly that the bulk of the XXXX payment had not been applied to the mortgage balance transferred to XXXX. I called Homestar and they always transferred me to " XXXX ''. 

XXXX never answered her phone and XXXX or XXXX messages went unanswered. Finally, I told the operator at Homestar that I needed to speak with someone other than XXXX. I spoke with XXXX XXXX and she was helpful in getting us answers even though it was not her Dept. Shortly afterwards we received a called from XXXX at Homestar who did n't know what happened. She finally tracked it down and and called back and told us that she had not known " what to do with the rest of the XXXX after subtracting the XXXX XXXX payment ''. This was now XXXX. She said she would mail it over to XXXX. The additional {$30000.00} ( the remainder from the {$31000.00} we sent on XXXX XXXX ) finally did arrive at XXXX and posted on XXXX XXXX. 

The issue is this. XXXX feels like Homestar did nothing wrong. I pointed out to her that from XXXX XXXX to XXXX XXXX I had to pay 3.5 % interest on the XXXX that I should n't have had to and asked to be compensated. XXXX insisted Homestar did nothing wrong. I then called XXXX XXXX at Homestar and asked that someone from Homestar besides XXXX contact me to discuss this issue. That was on XXXX. As of today, XXXX XXXX, no one from Homestar has contacted me to address this issue. Their lack of reasonable response has forced me file a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/18/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Diversified consultant has reported a debt that does not belong to me and has failed to validate this debt. this was reported on XX/XX/2016 for XXXX for phone services from XXXX. I requested that they validate this debt by sending a certified letter to the collection agency in XX/XX/XXXX, and followed up with another certified letter in XX/XX/XXXX. As of today, they collection agency has failed to respond, yet it is still reporting negatively on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2017 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Ad Astra Recovery failed to validate or send proof of contracts that I have with Ad Astra Recovery. If Ad Astra Recovery does not send a copy of this contract within 30 days, The only resolution i will accept is to delete the said debt from all credit reporting agencies, as it is a fraudulent account. The FCRA requires you to verify the validation of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here and i urge you to remove this item before i am forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CO).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I sent the company a message on their internal secure messaging system on their website on  XXXX / XXXX / 17 . I also attempted to call them on the same issue on  XXXX / XXXX / 17 .   XXXX  The problem is that they are not posting the  XXXX   XXXX   XXXX  Rewards Points to my account that I am owed.

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 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Balance account paid no charge off or balance owed.

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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have contacted Equifax over 50 times about the fraud alert and all the information on my report that was n't authorized by me. I have been yelled at, called a liar, hung up on, the staff over seas have put in information that was mine but they said that I disputed, the company say 's I have n't responded but I have. I also have recordings of every single phone call to support the proof of the abuse I 've received for trying to fix a problem that I did n't cause. I have spent so much time and my own money trying to resolve this. I filed a fraud alert with the Federal Trade Commision and I mailed it in, they said they did n't get it so I faxed it in. I have proof they got it but they are still denying it. I 'm at a wits end with this company. How are they allowed to keep attacking consumers and treating the people that actually have been a victim to fraud with such disrespect?

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: XXXX XXXX, XXXX a credit charge of {$1400.00} from XXXX XXXX XXXX to my citi credit card was a fraudulent charge. I tried the dispute process and citi had issued a temporary credit. I provided all documentation while citi went back and forth with the merchant. This went on for about three months. I called citi when they sent a statement/communication stating that the dispute was closed and in the merchants favor. I explained all of the details, and the representative issued a XXXX credit. This still leaves my account overdrawn and over the limit. Now I am having a hardship paying the balance which is now over {$1800.00} with interest and is due the 20th of this month.

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 05/24/2015 about Credit card () with PAYPAL HOLDINGS INC. (KS).
Issue: Billing disputes

Complaint: After reading about the recent billing problems with PayPal credit, I decided to go back through my statements to see if there were any discrepancies on my bills. I have had an account with them since XX/XX/XXXX. Admittedly, I should have caught the problems before this, but the accounting errors are so small that I honestly overlooked them when paying my bill:XX/XX/XXXX : eBay purchase for {$99.00}. System shows this as the order total. PayPal reflects they charged {$100.00}. While this could be shipping, eBay 's system states " see description '' under shipping but yet they show the order total at {$99.00}. Therefore, I believe no shipping was charged. 
XX/XX/XXXX : eBay purchase for {$100.00}, but PayPal lists charge at {$100.00}. Obviously, this XXXX works in my favor, but this is still an accounting error. 
XX/XX/XXXX : eBay purchase for {$99.00}, but PayPal lists the purchase as {$100.00}. 
XX/XX/XXXX : eBay purchase for {$110.00}, but PayPal lists the purchase at $ XXXX : eBay purchase for {$110.00}, but PayPal lists the purchase as $ XXXX needed, I can give you my entire eBay purchase history and all of my statements through PayPal. It is also worth noting that PayPal credit 's online system often does not order interest free due dates correctly which can make it quite confusing when trying to pay off items before their due date. The customer has to sift through all the dates in order to figure out which one needs to be paid off XXXX in order to avoid interest. I know the credit card companies do not order expiration dates like this. For example, it might order it like this : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, etc. I have a screen print of the ordering that I can include for your records.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Credit card () with TD BANK US HOLDING COMPANY (VA).
Issue: Closing/Cancelling account

Complaint: Account was paid and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have asked Experian several times to remove dispute comments from a collection account and they are refusing to do so because they say the information is coming from the data provider and they have to remove the comment. The data provider is refusing to remove the comments. When I asked the data provider to do so they laughed at me and asked me what I was trying to buy, and refused to remove the dispute comments even though I told them I was no longer disputing the account. I told Experian I am not disputing this account and to please remove the comment. From my understanding they have an obligation to report correct information and the correct information is that I am not disputing the account. I am asking them to update this account to Have no dispute comment. Also, the date of the first delinquency is completely incorrect and they need to correct that information as well or remove the information completely. The other reporting agency 's had no issue with immediately removing this information. So I am not sure what experians hang up is but they need to get my credit info on this account corrected.

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 02/25/2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (MI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Today, XX/XX/18 around XXXX XXXX I called Paypal credit to inquire about a late charge on my XX/XX/XXXX statement of {$38.00}. A payment of XXXX was due by XX/XX/18. I routinely pay {$60.00} every two weeks for a total of {$120.00} per month. I paid 120 for my XX/XX/XXXX statement when {$100.00} was due and was still charged a late fee of {$38.00}. The initial clerk could not explain why this happened and forwarded me to a supervisor named XXXX ( no sure of the exact spelling. ) She refused to remove the charge and would not listen to what I had to say. I am happy to provide you with a copy of the statement. 
Thank- you XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Bank account or service (Checking account) with PNC Bank N.A. (UT).
Issue: Making/receiving payments, sending money

Complaint: I was owe money and the women owing me money sent a check via usmail to my address in XXXX. The address was not completed right and I never recieved it. Contacting her she told me the check was written on the XX/XX/2016 and was cashed the XX/XX/2016. She contacted her back and they sent me a copy of the check. I recieved a copy of the check with some scribble on the back which I assume is an endorsement. It has no other Id on the check. I never recieved it or cash it. I called the bank to advise them of this and to open an investigation. help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Received a notice on my credit report that a collection from Commonwealth financial systems was added to my account stating that I owed {$80.00} on an account. I had not received anything in the mail or spoken to anyone about this collection. I called the debt collector and spoke with XXXX XXXX and asked for Validity of the account. The representative stated he will be glad to send it to me. I received the information in the mail, with the letter being dated for XX/XX/XXXX, it did not show validity of the account only stating what I owed. From my research this company is not bonded to collect in the state of Texas. I pursued on XX/XX/XXXX to contact XXXX on this matter. I asked for the Bond number but XXXX stated that he did not have to give me that information, that it had nothing to do with me. He continuously repeated that they are bonded in the state of Texas and that is why they are contacting me but still refused to give me the information that I asked. I even asked if it could be under a different name, he said that this matter did not concern me and told me to have a nice day. From my research Commonwealth Financial Systems is not bonded in the state of Texas.

Company response to consumer: Closed with explanation