milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed XXXX several times with the credit bureaus because of the numerous inaccuracies on my reports and the inconsistencies between the XXXX, however, all of the issues still exist as XXXX is unwilling or unable to provide accurate, consistent information which is causing issues with when this item is to be correctly removed as per the law. I have included the way in which the same exact account is reported by XXXX to the XXXX different major credit bureaus : Company : XXXX - XXXX XXXX XXXX XXXX Loan Type : Charge Account Other Charge Account Account Number - XXXXXXXXX XXXXXXXXX Account Holder : Individual Individual Account Individual Date Opened : XXXX, XXXX XXXX, XXXX XXXX, XXXX Status Date : XXXX, XXXX XXXX, XXXX XXXX, XXXX Condition : Not Updated Closed Closed Last Activity : XXXX, XXXX XXXX, XXXX Not Available Balance : {$0.00} {$0.00} - Status : Charge-off Payment after charge off/collection Account legally paid in full for less than the full balance History : Late 30 Days 0 times 0 times 0 times Late 60 Days 0 times 0 times 0 times Late 90 Plus Days 15 times ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 0 times 1 time ( XXXX XXXX ) Worst Delinquency : Bad debt/collection None Reported Collection High Balance : - {$190.00} {$190.00} Terms : - - Revolving REMARKS : Account paid for less than full balance / Paid charge off Settled -- less than full balance Account Paid In Full For Less Than The Full Balance As you can see, XXXX CB they are reporting the last activity as XXXX XXXX, XXXX it 's XXXX XXXX and the last they do n't even report a date at all. Then, in the 90 days + date late, to XXXX CB they report none, another they list XX/XX/XXXX and the other they list all the way from XXXX XXXX through XXXX XXXX. 
This account was sent to a collection agency at some point because I received a letter from them in XXXX XXXX. At the point this account was sent to XXXX XXXX XXXX , XXXX, XXXX was no longer the owner of the account, so their continued reporting of it after they 'd closed it is inaccurate. The date of XXXX, XXXX, is the month I paid this to the collection agency. 
I do not understand why XXXX continues to provide inaccurate data.

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 12/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I was putting in my credit card information online for a room at the XXXX for XXXX XXXX ( in 6 days ) when I saw the offer for the XXXX XXXX XXXX Credit Card in which it showed the following offer : {$100.00} Price for Stay - {$100.00} Statement credit = {$5.00} *Total after statement credit. 
*Price for stay and statement credit may post on separate statements After inputting my information, A window popped up stating, You have been approved for a {$15000.00} credit limit and You will receive your card in 7-10 business days. Because the offer implied that If approved for the card, I would be able to pay for the room on the card and then after the first statement, I would receive {$100.00} credit. Now, it appeared that I could not actually book the room with the card. I immediately called XXXX and after explaining the situation and waiting on hold several times, I was told, This is not through XXXX, it is through Chase and I was given 2 separate phone numbers to try ( XXXX and XXXX ) after attempting to speak to a person on the first number and being disconnected because I couldnt provide a card number, I was able to speak with someone at the second number. After hearing my situation and consulting her supervisor, she was apologetic, but told me that, while the credit card was through Chase, the actual offer was through XXXX and I would have to call them back. I called back the XXXX number ( XXXX ), where the agent put me on hold for 1-2 minutes while she looked into this. The next person who picked up the phone told me that I had been transferred to Chase credit card services ( who I had just hung up with ). After almost 2 hours of explaining the situation to customer service and supervisors at both XXXX and Chase, I was told that I would receive a call from an Escalation Agent within 24 hours. This morning I received a phone call from XXXX at Chase Apply by phone escalation team at XXXX XXXX XXXX ). XXXX told me that the room needed to be in my cart in order to receive the offer. When I explained that I was in the process of paying for the room ( entering my XXXX XXXX XXXX card number ), therefore the room was obviously already in the cart when I clicked to apply for the card. She then told me that the math is just for illustration purposes, showing what you could save if you used the card to pay for the room. She was sorry, but my card would arrive within 2 weeks. I told her that this felt like false advertising and that I had been tricked into applying for a credit card ( and whatever associated decrease in my credit score for applying ) which was now useless to me. 
She said she was sorry and asked if there was anything else she could help me with. I told her that I would be reporting this fraudulent advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: XXXX keep saying they verified this incorrect Bankruptcy information on my file with the courts, when I call the courts they tell me they never verified any information. with the credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: I recently found a copy of my credit report from  XXXX . This is the year I filed the medical malpractice law sue. My date of birth have been changed to  XX/XX/XXXX . My employers shows  XXXX ,  XXXX ,   XXXX   XXXX   XXXX  . That year my address was   XXXX   XXXX   XXXX    XXXX  TN  XXXX . Reported  XX/XX/XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  TN  XXXX , reported  XX/XX/XXXX .   XXXX   XXXX    XXXX  TN  XXXX . Reported  XX/XX/XXXX . I was discharged from wage earner  XX/XX/XXXX  Case number  XXXX . I filed bankruptcy in  XXXX  case number  XXXX . There was a judgement in  XXXX , that number was  XXXX . I am formerly known as   XXXX   XXXX   XXXX  , aka   XXXX   XXXX   XXXX  , aka   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 09-10-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Unfortunately I need to jump on the bandwagon to complain about collection policies of Navient Corp. Since being acquired from XXXX XXXX, this organization has repeatedly called home, work, cell phone numbers for me, my daughter, and my wife, regarding student loan payments advising we are delinquent, payments never processed, or partial payments missing, etc. We have and continue to make monthly payments as agreed to via their/our contract. We are not financially able to XXXX or XXXX our repayment amount, nor can we afford to make repeated duplicate payments when they misappropriate funds. Originally, we had selected an automatic payment withdraw from our bank account, which failed terribly as they made unscheduled withdraws for our bank account, leaving over-drafts on our account ; or the withdraw would not be registered to our account requiring us to make duplicate payments. We have since changed our payment to manual so we are able to process a monthly payment to record it has occurred on time. Almost daily we receive XXXX or more calls stating our account is delinquent - to the point this monotony has become harassing. I have repeatedly requested to speak to supervisors, or frankly, someone in a US office who can intelligently manage a call. My requests are ignored, and the individuals make threatening statements and hang up without resolving my questions. I know they will call again later in the day or next day, and the process repeats. This organization has damaged our credit ratings by identifying our payments are not current. We have requested written statements from this organization - they have NEVER sent any document from which we could coordinate a review. But the harassing calls continue. We teach our children the responsibility of securing loans to support college education, and reinforce the need to make timely and complete payments so they can move on in their lives after graduating with good credit ratings. This company has made the student loan repayment process a nightmare. Unfortunately I see multiple years of this nightmare ahead for my family as my daughter re-pays her obligations, and as my son XXXX in 2016, simply to begin his own torture. I have followed the potential lawsuit targeting Navient and applaud any efforts the CFPB makes toward resolving this lenders inappropriate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which was highly suspect. As per the FCRA, I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items. Specifics such as company names, account numbers and the reason for disputing are all in the letter I sent them last XXXX XXXX, 2017. Credit bureaus are supposed to store consumer 's information and if they did their investigation properly they should be able to send me copies of the documents or information they use to verify the validity and accuracy of the accounts I have been disputing with them,

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 05/21/2015 about Debt collection (Credit card) with CU Recovery, Inc. (OR).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Because i missed a payment by one day, and did not return a phone call the same day the next day I recived a voice mail stating that becuase I did not return the call they were forced to take further action, when I called to discuss the acct they stated becuase I did not return their call they will be taking my account to litigation. I felt harrased and bullied when I have been coraperative and initiating contact with them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Debt collection (Medical) with R.M. Galicia, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was hospitalized XX/XX/XXXX and had a deductible of {$3500.00} from my medical insurance company. 
I was paying the hospital directly, but when I called to get my balance, I was told that they did not have any information. I was then contacted by a collections agency, Progressive Mangement Systems. That was in XX/XX/XXXX. 
I made arrangements to pay XXXX per month. 
I received an itemized payment summary and one is for {$1700.00} and another for {$3800.00}. 
I have been unemployed since my illness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX {$1000.00} i never did business with this company, i am not responsible for this debt

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 09/16/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have several fraudulent inquiries that I asked Equifax to dispute but refused to do, made several attempts online and my phone to dispute these inquiries. I was told it was factual data and was n't giving any written proof of any investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with US Bank that has insurance escrow attached. The bank erroneously estimated that insurance would be higher next year and overcharged my autopay. I spoke with the insurance company in late XXXX or early XXXX and sent to US Bank paperwork indicating what the actual rate should be. US Bank said that my payment would be adjusted for the next bill. They did not adjust it for the next bill and overcharged my account again. I am on a fixed income, and had adjusted my spending to accommodate only the lower amount they said they would charge me, which created a large financial hardship when they overcharged the account again. I was required to put my auto insurance and food for this month on a credit card which will bear interest as a result of this error which they said they had fixed, but was actually not fixed. I have also suffered from extreme stress as a result of this situation and attempting to get it to a reasonable resolution. 

I then contacted them again, and they claimed again to fix the problem and said they were sending me a check for the overage on the escrow account. My next bill reflected that they had made the appropriate changes. However, they refused to send an updated escrow analysis to me or me attorney so we could review their work and make sure the problem was handled correctly.

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 02-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX collections in regards to XXXX not only called me repeatedly during work hours when I informed them several time not to call due to my work place not allowing that then they took the liberty to call my family member and share my personal information with them

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NJ).
Issue: Deposits and withdrawals

Complaint: I have an account with WellsFargo. I have been client for many, many years. One day, out of the blue, when trying to place a transfer online, my money is frozen. I call the contact center and they told me that my account has been blocked, that they needed some additional personal information to unlock it. I answered their questions and they say they would process accordingly. A week later, still no access to my money. Called again, they say the needed more time. 

I can not believe that WellsFargo can just take me out of accessing my money, just because of and " intern process '' ... .still not indication on when could transfer money out of my account ...

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 05/25/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX, Nationstar Mortgage bought my home loan from XXXX XXXX XXXX. Somehow during the transaction, a paperwork issue occurred between the banks. Nationstar added a " late fee '' to my loan account, even though I had nothing to do with the transaction. Nationstar has acknowledged to me that the fee was erroneous since XXXX XXXX, and yet they have never removed the late charge from my account. My account is in good standing as I have never been late with a payment on the account. Nationstar has not removed the erroneous late fee and it is now XXXX XXXX, so it is now 4 years later and the " late fee '' still appears on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Debt collection (Medical) with TSC Accounts Receivable Solutions (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, 2014 I received communication dated XXXX XXXX, 2014 regarding a past due amount of {$150.00}, with additional " interest '' of {$9.00}. 

On XXXX XXXX, 2014 I notified debt collector : " the communication you provided is vague and does not contain the necessary and specific information needed for my review. The Creditor name of " XXXX XXXX XXXX '' is ambiguous, vague and does not specific what this collection attempt is about. " Also requested and advised the debt collector : '' Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide the details of : The alleged amount owed to the CreditorClearly outlined and specific details as to the reasons of the chargesContact information of the original Creditor for verificationDates of service reflecting the chargesServices provided on the dates of the incurred chargesDocumentation substantiating the chargesProof of serviceAny resolution agreement with CreditorMethodology of your arbitrary interest amount added to the alleged past due amountProvide me with copies of any papers that show I agreed to pay what you say I owe ; Proof the Statute of Limitations has not expired '' I have not received any of the verification or any communication, the collector has proceeded to wrongfully submit negative credit information to the credit bureaus. 

I have advised the Collector on XXXX XXXX, 2014 : '' If your offices have reported invalidated information to any Credit Bureau 's ( e.g. Equifax, Experian or TransUnion ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices ActDefamation of CharacterIf your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Any attempt to report this ambiguous and alleged collection attempt to any credit bureau will be reported to the Federal Trade Commission and the applicable court of law to seek restitution for damages to a credit history. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Brennan & Clark, Ltd., LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Collection agency continues to send me threatening letters if I do n't pay. I sent them a certified return receipt letter which they signed for asking them to show me proof that I owe this debt. I submitted to them emails, statement and letter indicating I do not owe this money. One XX/XX/2017 they received my explanation letter and since than I have received two more letters stating this is the final attempt with out an explanation.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I submitted a complaint to XXXX, XXXX and Equifax and they verified the following accounts : XXXX XXXX credit cards, XXXX XXXX XXXX credit cards, and XXXX XXXX credit card. I sent them a request for the verification of the documentation they have on file for these creditors per section 611 ( 5 ) ( a ) of the FCRA. But they continue to report the information would providing me with the proof of " signed documentation '' from their systems. I sent the letter certified letter return receipt on XX/XX/2017 and I also faxed it on XX/XX/2017. Verification only required a 15 day turn around by law and none of the XXXX reporting agencies have responded to my request. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Winklevoss Exchange LLC (LA).
Issue: Other service problem

Complaint: XXXX will still not add my bank, XXXX XXXX, or let me mail a check to them for deposit.

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 09-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This account had balance of XXXX and i did not use or authorize to go to XXXX that 's in sane not right at all

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation