milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed the accuracy of information reporting regarding bankruptcy XXXX that appears on my report. Specifically, information related to the status of the case, the claim amount, etc. is not reporting correctly on my reports, and is not accurate in documents currently on XXXX as changes were made to the bankruptcy after XXXX of 2011 when TransUnion shows the date paid.. 
In the past TransUnion has stated they verified information regarding the bankruptcy with the furnisher of information. I asked who that furnisher is and TransUnion advised they use data from public records and consumer reporting agencies. I called TransUnion and asked again who specifically verified the information and they told me the bankruptcy court. I contacted the Bankruptcy Court in XXXX XXXX XXXX and they told me they have not verified anything regarding this bankruptcy case to the credit reporting agencies, and that it is not their policy to do so. I called TransUnion again after the Bankruptcy Court advised me of this and was told that TransUnion uses a variety of methods to verify the integrity of the data being reported, but was never told who specifically verified the information. 

I want TransUnion to verify the information with an actual person at the bankruptcy court and to provide me the name, address, phone number, and date they actually verify this. If they verify it with a source other than the court tell me exactly who it was verified with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Billing disputes

Complaint: Target card services stopped sending me statements for my Target credit card account after XXXX, XXXX. I used the card after that but never received a bill and did not know I owed them money. I never received any statements or past due notices from them. I did receive a phone call from a Target card services employee on XXXX XXXX, XXXX, stating my account was overdue and was being sent to collections. I told the employee that I was not aware that I owed Target any money. She told me I would have to request an affidavit to dispute the charges in writing. I sent a letter the next day requesting the affidavit. Before I received the affidavit form from Target card services, I received a phone call from a collections agency. I wrote to Target again asking for copies of the receipts and the statements to prove the charges were indeed mine. I finally received the affidavit form in XXXX, XXXX. In XXXX, XXXX, I received a letter stating they had sent me copies of the receipts along with the affidavit form, but the receipts were not included with the affidavit form. They did include printouts of online statements from XXXX, XXXX, and XXXX and XXXX, XXXX, which did not have my name on them or any indication that they were mailed to me. They did not include any statements after XXXX, XXXX. I then received a letter XXXX XXXX, XXXX, stating that the dispute was closed and that I owed Target {$580.00}, including interest and fees, and this would be reflected on my next statement. This letter included receipts from XXXX and XXXX, XXXX, and XXXX, XXXX. I called the representative who sent the letter the next day. I told her I would pay the charges minus the interest and fees as I had never received statements with these charges. She stated she could not remove the fees as the account had been closed. I asked to speak to someone who could help me and she stated there was " no one there who could help me '' as " no supervisor would approve changing the charges ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/22/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX Account # *******************XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX These accounts are being reported on all of my XXXX credit reports. However, these are not my accounts and I am listed as an authorized user. I have never signed up to be an authorized user and I want these accounts to be removed from my credit reports. I have never had or used any of these cards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX-XXXX cancelled my cable service that is paid via my condo association ( tenant requested to have internet service put in their name and XXXX accommodated without my consent and then erroneously canceled association funded cable service ).. when I called to correct the error on my Acc # XXXX they conducted a hard inquire on my credit on XXXX XXXX 2017 that I never authorized.
. I authorized the same past billing inquiring that was conducted when I initially was provided cable service prior to the erroneous cancellation. XXXX was only to check to see if I had any outstanding unpaid XXXX/XXXX balances with their company not perform a hard inquiry on my credit report on a service that should have nevr been canceled in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Debt collection (Federal student loan debt) with ECMC Group, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXX I was approved for a consolidation by Dept. Of Education XXXX XXXX XXXX. The money was sent to all creditors. On XX/XX/XXXX ECMC returned approximately 2300.00 back to XXXX  XXXX XXXX without an explanation. In XX/XX/XXXX I was contacted by XXXX XXXX XXXX 3rd Party collection agency stating the debt was outstanding. I explained all debts were consolidated and this debt is paid in full. In XX/XX/XXXX my wages were garnished. I called XXXX and was denied the dispute and told it would not stop the discharge. I escalated and was transferred to XXXX XXXX. Who took the dispute. XXXX agreed to send my original promissory note. On XX/XX/XXXX the notice was mailed to me and XXXX resolved my dispute and put me back into collection. I called XXXX XXXX directly and he put my case back in dispute but not before I suffered another garnishment. On XX/XX/XXXX I mailed all proof to XXXX XXXX to help me dispute. They agreed to call this a missed loan issue and not require me to file for another consolidation and stated the claim can take up to 30 days. On XX/XX/XXXX I contacted XXXX XXXX for a status. I was informed by XXXX that on XX/XX/XXXX XXXX XXXX sent notification to ECMC to resolve the issue and ECMC has not responded. I contacted XXXX XXXX with XXXX to explain the situation and ask for his assistance in reaching ECMC to resolve because when I call the automated system referred me to XXXX and disconnects. XXXX assured me He would help and suggested I call back Friday XX/XX/XXXX. Instead of assistance from XXXX, they resolved my dispute and on XX/XX/XXXX garnished my wages again. Since this ordeal has started my wages have been garnished approximately {$1000.00} which is 1/2 the debt owed. The unexpected garnishment has placed me in a financial hardship and forced me to borrow money and juggle my mortgage and other financial responsibilities. I would like to file a claim and obtain information to sue XXXX for unfair treatment and unethical collection practices. XXXX 's only focus is to recover their % by collecting on a debt that is truly not valid. I understand their position as a collection agency, but their practices are bordering unethical and harassment and definitely not helpful. I have been in constant contact with all 3 companies trying to resolve this issue. 6 months later it is still unresolved and I am being burdened, harrassed, and my wages garnished for my diligence. Please help. I am looking for ways to stop the garnishment, resolve the outstanding issue and recover on garnished wages and hardship. Please help. I can be reached at XXXX and my name is XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Names reported is wrong. Someone just misspelled my name. My name is XXXX XXXX XXXX but on my Transunion credit report it shows another person as XXXX. No XXXX at the end. This is not a XXXX person. Someone made a clerical error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/25/2015 about Credit card () with CITIBANK, N.A. (OH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Hello I logged into my Home depot account which is administered by Citibank to check the status of my account. Imagine my surprise when I saw a due date of XX/XX/XXXX when I had just made a payment earlier this month for the original due date of the XXXX of the month. Had I not discovered this it would have sent the account into default and I would have lost the 0 % financing cost which is not due until XX/XX/XXXX for which I will have paid off before then. The only notice I received from Home depot was that the billing website had changed and no change in my due date had happened. I am afraid that many of their customers who are using this option may have their accounts go into default because of this underhanded tactic. Please investigate this issue and force Home depot aka citibank to make amends to any customers that may have been deceived by them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: To whom it may concern, On XXXX of 2016 XXXX XXXX XXXX   reported my monthly payment as being late. I called XXXX XXXX the moment I noticed this on my Credit Report. I have never been late on any of my Credit Cards or loans. I never received a statement from XXXX XXXX as I always did, therefore I did make the payment on time due to their negligence on sending the statements. I also never received a phone call from them letting me know about the payment. While speaking with XXXX XXXX there was an individual that stated I should have received a noticed by mail and a phone call ( I believe his name was XXXX ) If the phone calls are recorded then XXXX XXXX should have that information on file, this individual admitted that XXXX XXXX did not take the necessary steps in this situation. I have disputed this item multiple times and it was removed from the Credit Bureaus in the past, but then it is added again ( It just recently happened again ) XXXX XXXX Negligence to provide me with proper community when it comes to payments has affected my credit score and caused stress in my life. Loan interests are higher due to this and it has taken time out of my busy schedule to provide these letters in the hopes to get this rectified. I pride myself on having pristine credit and XXXX XXXX has affected a lifetime of work on my credit. I'm not asking for any money, all I want is fair treatment and to have this item removed. XXXX XXXX is a large Corporation and it is not fair for them to treat a client this way. It is very disappointing how I have been treated and hope to get this resolved. 

Thank you. 

I have submitted this complaint to your office in the past I appreciate any help you may provide to get this handled.

I would like to have the late noticed removed from all of my Credit Reports I will also be filing with the Attorney General 's office

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Credit reporting agencies has n't delete collections, Unauthorize Hard inquiries and negative wordings on credit report. My credit scores are suffering because of the neglects and Retaliation of Equifax, XXXX and XXXX. I emailing a recent credit report for with new case file number to Federal Government to review as evidence. XXXX XXXX. Equifax XXXX and XXXX XXXX I am XXXX Lifetime and Retired.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Reporting missed payments on my credit report when I was in deferment. Their website has no options for me to resolve this issue with them since my loans are now paid in full. Also, I was charged late fees and interest on the late fees when I do n't believe I should have been.

Company response to consumer: Closed with non-monetary relief
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: The information about my personal identity and all financial history was illegally obtained by a 3-rd party via Equifax data breach. The knowledge about the breach was not released to a general public until much later. 
Equifax has mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Unsolicited issuance of credit card

Complaint: I am having a problem with Chase Card. They are reporting an inquiry to XXXX that was not authorized by me. Someone accessed my Amazon account and applied for an Amazon Credit Card. I have contacted XXXX and Chase card and neither company will remove this fraudulent inquiry from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Other financial service (Check cashing) with BANK OF THE WEST (CA).
Issue: Customer service/Customer relations

Complaint: I attempted to cash a check from an employer at my local Bank of the West. After waiting for an unreasonable amount of time and being treated as though I had done something wrong ( like they suspected I stole the check ) I polity asked what the issue was? I was then told that they did not believe the signature was legit and they refused to cash it ... Essentially accusing me of being a criminal. I suspect at this point, I am being XXXX profiled and I take offense to it as any one would. However I kept my cool and asked to speak to the manager on duty.She confirmed that they will not cash the check, so I told her that I was unaware that the bank hires hand writing annalists. This sarcasm was met with out right hostility. At this point I just wanted my money so I requested she called the number that they had on file and maybe my employer will answer a number he did n't recognize. To my surprise he picks up and confirms that he wrote a check to me for {$500.00} the day before, and instructs the bank manager to pay me my money. This is when she steps whey out of bounds and insists that he give her the check number, which of course he does n't have in his hand because he is away from his check book at the moment. Now she begins to give my employer a massive attitude and tells him she does n't have to cash the check and she " Is doing him a favor '' .... At this point I tell her she is n't doing anyone any favors. In fact it is her job that she is refusing to do and I suspect that this whole debacle is fueled by some XXXX predecease on her behalf. She responded by telling me to get out of the bank and threatens me with calling the police. I realized things were getting way out of hand so I left, taking her business card and promising her that I will follow up with a complaint. I am not looking for any sort of financial compensation. I just want the satisfaction of knowing that I put in a complaint that will have consequences.It is unacceptable and humiliating to be accused of being a criminal based on XXXX my XXXX. I would appreciate any help in resolving this matter. 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 12/28/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TX).
Issue: Managing the loan or lease

Complaint: I previously co-owned a XX/XX/2014 mustang with My husband. We first had it financed thru XXXX but had recently had it approved to have it refinanced with Ally. Before our first payment was due for the mustang with Ally we decided to trade it in. I traded in the mustang the weekend of XX/XX/XXXX at XXXX in XXXX. It was way before my payment was due at Ally. I called dealership to let them know Ally was contacting me on not getting paid, I was told it would all go away once they received check. Ally reported XXXX bad marks on my credit and havent been removed even after car got paid! I have never made late payments with any car loans and this has made my credit score go down alot. Really not happy!!

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 07/15/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: On   XXXX    XXXX , 2017 I received a payroll check from my employer instead of a direct deposit as it would not be available until later in the month. The check was received by mail and I deposited this check via Chase Mobile app after  XXXX  PST and received a message that it was accepted. I then made bill payments. There was no message from my employer that the check was dated  XXXX   XXXX , 2017. The check was paid on the corporate bank account of my employer and there were enough fund to cover it as the payroll was scheduled to run on  XXXX   XXXX , 2017 for all employees across the US. Chase then returned the check and charged me overdraft fees. I alerted my employer who is direct depositing the same amount of the check on Tuesday,   XXXX    XXXX , 2017. However as of   XXXX    XXXX , 2017 my account is now over {$600.00} in overdraft. I went to a Chase branch in   XXXX   XXXX  , CA and the personal banker was only authorized to reverse {$100.00} dollars in service charges for   XXXX   NSF transactions out of   XXXX   so far. By the time I receive the direct deposit my account will still be in arrears and I will incur more charges if I ca n't make up the difference in 5 days. My next paydate is  XXXX   XXXX , 2017. Chase did not call the bank of my employer to verify funds because they said I did n't deposit it in person.
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My home branch is in   XXXX   XXXX   which is over an hour commute time from where I live. So I went into the branch near my house that was open on a Saturday. I have listed my home branch in the business contact details below.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/25/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (WI).
Issue: Loan modification,collection,foreclosure

Complaint: I received a new job and had to move to another state. I put my house up for sale and soon realized that the value of the house did not match what I owed on the house. I have submitted multiple requests to US Bank to do a short sale or deef in leiu. There have been multiple issues trying to do the short sale. First issue it took too long ( close to 6 months ), buyer removed purchase. XXXX issue was US Bank would not send out an appraiser and buyer walked. Third issue US Bank wants full amount on short sale and buyer walked. I 've also asked to do a deed in lieu but have been told that since First legal has occurred deed in lieu is not an option.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Comenity Bank/  XXXX   is attempting to collect a debt that  was discharged in a bankruptcy. I have tried on several attempts to get this matter r esolved. They just recently updated their tradeline on my credit report has a charge of stating that I owe  XXXX  as balance owing. The previous credit report stated o balance included in the bankruptcy and now they want to come back and still try to collect That negative remark caused my score to go down  XXXX !!!!! in which I was just denied for a home loan due to it. I will not pay for something that has  been discharged in  Bankruptcy and what they are doing is illegal and against FCRA I have proof which I will upload. This is causing me an extremely large amount of financial burden and I am still paying for something that is over with.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Mortgage (FHA mortgage) with Dyck-O'Neal, Inc. (MO).
Issue: Credit decision / Underwriting

Complaint: In XX/XX/XXXX, my XXXX was discharged during a foreclosure. There is a XXXX balance. Two years later, I noticed a claim was made by Dyck O'Neal stating I owed {$7100.00} in reference to a mortgage. They put this amount in collections and reported to all XXXX credit bureaus. 

I have never done business with this company nor have I ever signed any agreement for any balance that they claim I owe. 

I tried mitigating this issue by disputing their claim through the credit bureaus but was unsuccessful. Their willful act has not only violated its obligations under the FCRA, but it has also prevented me from obtaining a mortgage in the amount of {$140000.00} in XX/XX/XXXX and, more recently, {$200000.00} in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation