milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: there was a multiple computer glitch with transunion that caused my inquires to be deleted. and then those inquires reappeared. The Glitch is transunion 's problem and not mine. Transunion added all these inquires back on to my report without giving me the legally required written notice 5 days prior to them re adding them. i contacted transunion, in good faith to ask them to delete the inquires that they had illegally readded.
<P/>
i called transunion at XXXX on XXXX XXXX  2017 and spoke with XXXX XXXX for 11 mins and 41 seconds. he said he could n't help me and i had to deal with it. He said he does n't have the authority to delete the information i tried again to see if anyone else at transunion would go above and beyond to assist me. I spoke with XXXX XXXX at XXXX on XXXX/XXXX/2017 and was met with a harsh reality that employee at transunion let me down. i asked to be transferred, he refused, and told me he could delete the inquires. after multiple attempts i told him the situation and he refused to help me.
<P/>
These inquires are a hardship and that my rights were violated by transunion. i need the CFPB to help me stop transunion from victimizing me. and everyone else

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 04-05-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Billing disputes

Complaint: On XXXX XXXX, 2016 I went into a Target store in XXXX, California. I was on my way to give a speech and stopped at this store to buy some things. XXXX is an overwhelmingly minority community. I made XXXX purchases. 1 ) XXXX packages of alkaline batteries for {$31.00}. 2 ) A XXXX camera for my wife for {$210.00}. XXXX XXXX initially declined the charge. I respeat, XXXX is an overwhelmingly minority community. I immediately reached XXXX by phone and answered questions. They ultimately approved the charge. While I was waiting for XXXX to approve that charge, I gave the clerk my Bank of America ( BofA ) credit card and asked her to charge the batteries on that. That charge was also initially denied. In talking to BofA they said they wanted to make sure it was not a fraudulent charge and BofA approved the charge, which I thought was only for the batteries. However, she apparently accidentally also charged the {$210.00} camera on that. When I saw that, she agreed to back out the BofA charge. For reasons unknown to me, the charge was not reversed and I have now paid for the camera twice. Somewhere along the line, BofA cancelled by crredit card and said they would send me a new one, which they did, several days later. When I later went online to challenge the charge, all the form would let me do was call the charge a fraud. There is no space for mistake or accident. I 've now had SEVERAL phone contacts with BofA telling them what happened and said to not pay XXXX for this charge since they had already been paid on my XXXX card. I never challenged the batteries, only the camera. The last contact was just a few days ago. After again, explaining this to the BofA representative, I told here I would gladly pay for the batteries. After questioning her closely, she said there had not been a {$210.00} charge on my BofA credit card. I said, if that 's the case, then I 'd drop my challenge since, according tohere, there was nothing to challenge. TODAY XXXX/XXXX/2016, I got a letter from BofA. It says a charge of {$210.00} was placed on my credit card account because I agreed to assume responsibility for it which I NEVER DID. The good news is that, no doubt, BofA has recordings of all this which will prove my point, most especially the last contact a few days ago. That woman was either incompetent or untruthful. I now want BofA to eliminates this charge once and for all.

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 12/19/2016 about Debt collection (I do not know) with United Student Aid (USA) Funds (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX/XXXX/2016 United Student Aid Funds ran my credit without my permission. This is a permissible pull violation and a very serious one to my understanding under the FCRA/FDCPA. I want this item removed from my Credit Report within 24 hours or I will consider this willful non-compliance and I will file a lawsuit.

Company response to consumer: Closed
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On several different occassions I have submitted disputes pertaining the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Credit Card. 
XXXX XXXX Credit Card has reported my account closed and as a charge-off. This account has been sent to a collection agenc for collections. Under the FCRA, the account balance shoudl reflect as a " XXXX '' balance. I have disputed this account several times but the three consumer reporting agencies does not request validation from the original creditor. 

XXXX XXXX XXXX This account has been reported on my credit report as charged-off and closed as of XX/XX/XXXX. I have been contacted by an outside collection agency who has reported that they have purchased the account. Under the FCRA, the account balance should reflect as " XXXX ''. This has been dispiuted several times but XXXX has not provided validation to show who specifically owns the rights to the account. 

XXXX XXXX XXXX This account has been reportd as a charge-off as of XX/XX/XXXX. I have been contacted by an outside collection agency regarding this account. Under the FCRA, the account balance should reflect as " XXXX ''. This has been disputed several times but XXXX XXXX XXXX to show who specifically owns the rights to the account. 

XXXX XXXX XXXX This account is an auto account for a vehicle purchase that took place in late XX/XX/XXXX. The loan was paid in full in XX/XX/XXXX as apart of a purchase of a new vehicle, When i reviewed my credit report it stated that the current account status was 30 days past due instead of the account being current and paid. The worst account status was a 30 day late payment that took place in XX/XX/XXXX, but the overall account status should be current because the balance was paid off and the account was closed with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Transaction issue

Complaint: Despite being notified that a {$69.00} charge from XXXX was fraudulent and unauthorized, Barclaycard refused to reverse the transaction. They made no effort to verify the nature of the transaction but based their decision solely on the fact that it " appeared '' to be a recurring charge.

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 04/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONLINE Information Services, Inc. (IN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: FAILED TO VALIDATE HAVE 3 DAYS LEFT TO DO SO!

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (TX).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have contacted Wells Fargo several times due to a recent financial setback due to health issues and asked for a forbearance in order to catch up and continue making payments. However, each time they say that I am not eligible because I need to make XXXX full payments first. That is the problem I am unable to make my payments. After trying to get a reduction in payment or forbearance and being denied each time. I had no option but to stop making payments. They are now harassing me daily and asking when I can pay and to speak to there loan resolution department and each time I tell the rep that I have and they ca n't help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed negative accounts on my credit report more than XXXX time. Equifax has sent me investigation results with contradicting results. Some reports have accounts that are not on previous reports but dated earlier than some accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My private student loan of {$40000.00} was issued in XXXX. Till date I have already made payments of {$26000.00}. However, the lender younomics claims that as of XXXX XXXX, XXXX, I still owe the full principal amount of {$40000.00} plus interest for a total of {$67000.00}. Further, I believe that the lender did not disclose the actual interest I would end up paying nor the breakdown of interest and principal. They knew at the time of signing the loan, that it was not reasonably possible to pay off the loan and that I would perpetually be in debt, yet they failed to disclose this fact. Moreover, I have been repeatedly requesting for more than a year, in writing and through phone calls, that the lender send me a copy of the loan contract. Each time the lender 's agents promise to that, but never send the documents, further evidencing that a full disclosure was not made at the time of issuing the loan and that they took took advantage of my vulnerability of prospective graduate student looking to get admitted immediately. Also, I have been repeatedly telling the lender and its billing company, that I want to speak to somebody with authority or the legal department for possibly revising the loan terms, that I was disputing the amount, and that they should not do an adverse reporting of my credit scores unless I spoke to that person. Yet, they went ahead and reported the credit agencies that my loan was delinquent for 3-59 days thereby adversely impacting my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My lender is Select Portfolio Servicing. And, not by choice! My loan was sold to them by XXXX XXXX XXXX a year and half ago. Its been XXXX ever since! 
I had XXXX messages from my Relationship Manager so I called back SPS. While I am waiting for a human being to pick up, the recording is giving me the latest update on the status of my account. It starts off with " your forbearance payment of $ XXXX was received on XXXX XXXX, 2015. Your next forbearance payment of $ XXXX is due on XXXX XXXX, 2015 ''. 
I was shocked and horrified! I am NOT in default on my loan payments and yet, according to this account update from SPS, I am! When I do get XXXX ( relationship manager team ) on the line, I ask her about this. Mind you, this conversation is being recorded. I say, good! We will need the proof! XXXX starts off by telling me that I am confused! She says I am paid up ahead and that my next payment is not till XXXX 2015 ; further that since I paid extra, the XXXX amount is that much less. 
So, I ask her what happened to my XXXX payment that I made -- -on time, mind you. I get silence! Then XXXX insists that I am paid up ahead and that my payment was applied to XXXX 2015. Again, I question this statement and action on the part of SPS because I paid for XXXX 2015, on time. Finally, XXXX says that my XXXX payment triggered the Trial Loan Modification that I was approved for. 
Yet again, I am shocked and not a little terrified! Because, from what XXXX of SPS is telling me is that SPS took my XX/XX/XXXX-on-time payment, applied it to XXXX thereby forcing me to be in default!!!!!! Further XXXX is telling me that the Trial Loan Mod that should not have been triggered except by MY payment of their required amount by XXXX XXXX, 2015 was triggered by my XXXX payment! Even though the correspondence from SPS clearly indicates that the trial loan mod would only be triggered by my payment of $ XXXX by XXXX XXXX, 2015! 
So, I want CFPB 's help with this problem with SPS. SPS is operating outside the law and has committed FRAUD. What they did by forcing me to be in default when I am not is ILLEGAL!!!!! 
I would appreciate guidance as to what my options are in this case where my lender is corrupt and committing illegal acts as well as fraud with the mortgage loans that they service. 
Thank you in advance for your help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2016 about Debt collection (I do not know) with Financial Credit Service, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: ARA Collections has been calling me every 10 mins looking for my ex husband and I have told them I am not married to him nor do I need to receive calls from them. They called 10 times with an hour and a half. They are rude threatening and demanded I speak to my ex. This is un acceptable business practice. I called the number they gave me requested to be removed from the list immediately and they continue to call. 

These people are so rude, threatening and this is not acceptable. They need to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Kohls is bordering on harassment calling me 6\7 times a day. They want me too pay for a mistake that a worker made with my credit and now they want me to pay for that mistake. Well I 'm not paying for someone else 's incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (CT).
Issue: Application, originator, mortgage broker

Complaint: It has just been confirmed through the XXXX that the consumers loan is contained in pool number XXXX which is contained in the Mortgage Backed Security with a XXXX number of XXXX was delivered to the XXXX on XXXX by JP Morgan. This is not what is being represented in a foreclosure court case involving the consumers. The Consumers were not disclosed the involvement of JP Morgan and do not have a contract with them. The Closing of XXXX XXXX, 2009 used a false Lender within the Note and Mortgage which invalids the alleged contracts in light of the new evidence. Consumer was also alerted to the fabrication of a second Note and Mortgage containing different signatures of the Consumers which has been verified through Forensic examination. The Servicer, XXXX has confirmed that the Note and Mortgage in their database is not the Note and Mortgage in the above referenced Court Case. The Servicer/Plaintiff is pleading that it is foreclosing for itself which is fraud upon the court. We request that JPMorgan submit copies of the Note and Mortgage delivered to the XXXX on XXXX and explain why they are not litigating the court case as there is an obvious cloud on consumers title as JPMorgan is not listed on the note or mortgage and is not in the chain of title yet has benefited by consumers loan documentation. These nondisclosures, fabricated notes and mortgages, and wrongful foreclosure are violations to the consumers on a grand scale.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Bank account or service (Checking account) with BANK OF THE WEST (NE).
Issue: Problems caused by my funds being low

Complaint: I would like to submit a complaint against Bank of the West for how they process checking account transactions. I had a debit card transaction of XXXX that was pending over a weekend my account at that time had the funds. Then on Monday an individual cashed a check that I gave them in the amount of XXXX. On Monday night there was a XXXX in my account plus a deposit I made at an atm machine in amount of XXXX but was n't until after business hours. On Tuesday the bank charges me XXXX overdraft fees they processed the check first which was the higher amount which put me at a negative balance then processed the debit transaction after that causing XXXX over draft. My complaint is the debit card was sitting on pending way before a check was even processed but yet the higher amount transaction got processed first. When I asked my bank they told me that they determine which is more important and process that first. I asked them how they determine which one is more important and I was told by bank manager that they go by the higher amount in determining which one is more important. What even give them this right to determine which is more important of a transaction and if this was the case why was n't the check cashed before all my other transactions that were pending over the weekend which were all much lower then the check amount of XXXX. I will not argue against having XXXX over draft fee but I am furious that they could arrange the order of my transactions being processed. To me what ever gets posted to your account first should be processed first not whether or not a branch manager thinks XXXX transaction is more important then another transaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-05-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Midland Funding LLC has been trying to collect a debt they say I owe from another company they bought the debt from. Problem is that I do not know the company and have told them I do not owe this debt. They would call my house about XXXX times a day, and kept harassing me about this debt. when I asked for proof that of the original amount, they kept insisting they sent this to me, which I never received. My husbands Aunt has the same first and last name as I do, and is in the process of filing Bankrupt. I do not owe this company and now they are trying to take a legal judgment against me. Sick of harassing calls from a company, I owe nothing too. Sick of this company trying to sue me for money I do not owe. If they purchased this debt why would n't they make sure they have the right person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2018 about Checking or savings account (Savings account) with SUNTRUST BANKS, INC. (VA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: on XX/XX/XXXX I opened two new accounts ( Checking and Money Market ) at SunTrust and initiated ACH transfers to move funds from XXXX XXXX savings accounts into the new accounts. The entire process was done on-line according to SunTrust 's instructions. In total, {$27000.00} in funds was removed from my XXXX accounts on XX/XX/XXXX. During the process, SunTrust deemed the transfers to be a internal rule violations and terminated my customer relationship and closed the accounts. No one at SunTrust will tell me where the money is or what rules may have been violated and no additional information has been provided. While I do have someone at a local branch attempting to help me with the situation, all of the SunTrust customer support representatives ( including Managers ) either refuse to tell me the reasoning for closing the accounts or have stated that they have no such information. At the moment, SunTrust took {$27000.00} of my money and no one seems to know where it is.

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 11-02-2017 about Debt collection (I do not know) with Midwest Recovery Systems (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The aforementioned credit collection agency representing XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX XXXX and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If MIDWEST RECOVERY SYSTEMS does not have any documentation, they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Mortgage (Conventional fixed mortgage) with 21ST MORTGAGE CORP. (MD).
Issue: Application, originator, mortgage broker

Complaint: The name of the Mortgage Company is 21 Mortgage Corp. I paid them over XXXX dollars this month.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: company charged me with a debt that I do not owe, it is an internal accounting error by reporting company

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Payday loan () with Mobiloans, LLC (NC).
Issue: Can't stop charges to bank account

Complaint: The amounts that the payday loan company is charging me is outrageous. I 've asked a few times to stop the draft due to inability to pay, and they will not allow them to stop. I am at the point of needed to change my bank account. 
XXXX XXXX, North Carolina

Company response to consumer: Untimely response
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Every where on the internet including federal trade commissionsays don '' t trust a business to clear your credit report they have n't seen one yet do it right or correctly ... Save your money. So then all over the internet it says its possible to do it yourself and thats about it. then everyone just talks circles about how you can do it yourself ... And never tells you how?? Or gives you a step by step guide on how you can remove negative marks on your credit report. So please how do i get this done?? I have one collections that i paid two years ago imeadiatly when i found out about it.

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