milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I initiated a credit dispute with the XXXX credit reporting agencies on late payment remarks that are inaccurate. Also I did contact the creditors and they ran in investigation and sent me letters stating that I was not late. I have sent this to the credit bureaus and they refuse to do their jobs. I 'm just trying to get this rectified so I can purchase a new home for my family.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Payday loan, title loan, or personal loan (Installment loan) with NATIONWIDE ACCEPTANCE CORPORATION (IL).
Issue: Struggling to pay your loan

Complaint: Monday XX/XX/XXXX I spoke to a representative from nationwide explained that i was in the hospital and to not call at this time. Wednesday XX/XX/XXXX i received another call from a representative from what seems to be a personal cellphone calling again getting aggressive asking for his car after I said I spoke with your company earlier this week explaining Im in the hospital and to not call me. It is harassment, its one thing to be called in attempt to collect a debt but when you ask for peace while in the hospital you should receive it. I answer the phone for nationwide on a frequent basis explaining to them theyve placed a garnishment on my wages and it is putting me in financial hardship and that i dont have the money to pay anything current they call everyday saying well we wanted to know if anything changed. I have had to yell and scream while in the hospital bed at this representative elevating my XXXX XXXX and causing pain because this company can not respect time in the hospital. Then i called to speak with a supervisor i spoke with XXXX XXXX she is no better than the representative instead of addressing the fact my time to recover has been disturb she starts going into how late the account 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 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have obtained a new copy of my credit report while going through it carefully I noticed that on several accounts Experian has placed in the 'Status Details ' in the 'Your Statement ' area. This is evident because other accounts have this placed in that area. <P/>I have not noticed until now that it is suppose to be the outcome results but they have deceptively placed things that I have not authorized to be there, nor made a determination to those exact statements that are used by CRA 's placed there. <P/>These accounts are XXXX XXXX with a statement that reads : Your Statement : Account previously in dispute - investigation complete, reported by data furnisher. <P/>XXXX XXXX : Your Statement : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) XXXX XXXX, which I never disputed there is a statement that reads : Your Statement : Account previously in dispute - investigation complete, reported by data furnisher XXXX XXXX XXXX, which I also never disputed there is a statement that reads : Your Statement : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) XXXX XXXX, in which I had 2 accounts because one car was lost/stolen and that was the one was disputed but the current account that is listed I did not dispute however it has a statement that reads : Your Statement : Account previously in dispute - investigation complete, reported by data furnisher I do not understand why statements of this nature are being placed as if I suggested this in the manner and context of this verbiage. You as an advocate on my behalf to ensure that accurate and truthful information is being reported. I believe that you definitely understand that this IS NOT accurate reporting.

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 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My latest credit report ( XX/XX/XXXX ) indicates a hard inquiry by " XXXX '' ( XX/XX/XXXX ) and " XXXX '' ( XX/XX/XXXX ). It is my understanding this is XXXX XXXX and its affiliated companies and Citibank and its affiliated companies. 

For the record, I have not done business with any of these companies. I have not made a request for credit with any of your companies. I do not understand why these businesses would place a hard inquiry on my credit report. 

I would certainly be interested in an explanation by the Banks or businesses that placed this hard inquiry ; otherwise, I request that this hard inquiry be removed. 

I have mailed out similar complaint directly to the company.

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 10/31/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (MD).
Issue: Unauthorized transactions/trans. issues

Complaint: I was suppose to recieve a reversal from the merchant two days ago. However it has n't posted to my account there was an atm error in which the money that I was suppose to recieve was not dispensed to me however the full amount wss charged to my card. 
I have contacted rush card on a consistent bases just to get the run around. I am pregnant and ca n't eat because they have took my money. I have no help! I am devastated please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was offered a settlement and paid it. Debt remains marked as open and owed on credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (GA).
Issue: Problems when you are unable to pay

Complaint: Long story I had a loan with One Main Financial. When I got behind they offered me an adjustment of terms. The AOT that I signed had a lowered interest rate 6 % down from 33 % and a payment of {$160.00} down from around {$310.00}. What they did not do was put on the form or tell me that the length of my loan would be extended to 79 months from 60 months. After I made the initial payment and was making a XXXX payment the Rep on the phone accidentally mentioned that my loan was extended. I told them I did n't agree to that and asked them to send me something in writing saying that my loan was extended. They have refused. I explained to them that according to THEIR AOT " Except as specifically amended by this Agreement, all other terms of the original obligation will remain in effect. '' I also explained to them that I was under the impression that it was like student loan forgiveness and I would have never agreed to the months being extended that long. They have predatory lending practices. I still ( 4 months later ) have n't been able to get in writing that my loan was extended to 79 months. They tell me refer to my " original contract ''. I keep telling them that 's the problem, the original contract says 60 months. They refuse to give me any kind of documentation. Furthermore they claim they have a phone call with me agreeing to the 79 month term and they have already reviewed it. Every time I try to speak to someone who 's listened to this phone call or try to talk to someone who can discuss this with me they threaten to put this on my credit. No one wants to help me get to the bottom of this they only want me to send payments. I 've talk to nearly every supervisor or manager in the company to no avail. Not only can I not get the agreement in writing but I ca n't get any one to discuss the so called phone call that they have.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: compliant abount Experian credit.reporting wrong information on my credit report. 
I was turned down for refinance because Experian gave wrong information. 
I complaint to company to send documents, never send them.i called company, they are turning right information, but Experian is reporting wrong information. 

the company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, co XXXX or [ XXXX ] XXXX account # XXXX.never miss payment or late.

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 01/18/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I inver recvd notification of the debt or a right to dispute the debit. Once I found out about it I paid the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Debt collection (I do not know) with Diversified Consultants, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Diversified Consultants continues to call my cell number although I have told them on XXXX occasions that the person they are trying to collect a debt gave them my phone number in error. I have explained that this could not have the person 's number in the past because I 've had the same cell number for over 15 years. Today they called again, misrepresented themselves, and hung up when I told them it was the wrong number. I 'm reporting this company as I can only assume other consumers have had problems with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had been disputing the collection account that is being reported on all  XXXX  credit bureaus. The credit bureaus keep responding that the debt has been verified. I requested the verification method that was used and they say that they get an electronic file. I requested documentation and was told that they do n't need documentation in order to verify the debt. In   XXXX   XXXX   I sent a debt validation request to  National   Credit Systems  in reference to a debt they are collecting which I never received a dunning letter for. The certified mail was delivered on   XXXX   XXXX   and signed by    XXXX   XXXX   . I have attached the proof of delivery in my documents. To date, I have not received a response but they are still reporting and verifying information with the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Bank account or service (Other bank product/service) with KEYCORP (NY).
Issue: Making/receiving payments, sending money

Complaint: Key Bank acquired my First Niagara credit card account in 2016. I never received a Key Bank credit card. I have not received a bill from Key by any method since the account was acquired. The only action I have received from KEY is from their collections department! I have paid them upon each of these calls since XX/XX/2016 without the benefit of any statement. I have addressed this issue with various Key Bank departments over the last few months to no avail. They are charging me XXXX late fee to boot!. I have tried numerous times to establish an on-line access but always ends up with a message that the process could not be completed " at this time ''. And I imagine they are reporting " late '' payments to credit bureau. Situation is intolerable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/21/2017 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX   XXXX   XXXX  This account was sold to   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   therefore they can not be reporting a balance on this account. On my credit report, they are reporting a balance owed of {$1300.00}.   XXXX   XXXX   XXXX   XXXX   XXXX   agency is also reporting the same debt on my credit file.  XXXX   XXXX  needs to update the balance to  XXXX  immediately or delete the account off my credit file!! I have tried numerous times to get this corrected and I am being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 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: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : XXXX account XXXX Transunion To Whom It May Concern : I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? Thank you Sincerely,

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 01/31/2017 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Account opening, closing, or management

Complaint: My wife ordered a beauty product called XXXX online and only ordered the product once. However this fraudulent company started sending more products without her permission and charging the account. We kept going to Regions bank disputing it. But they kept jacking us around saying they would resolve it. Never happened! So we paid the negative and closed the account. Even after the account was closed Regions bank continued to allow this fraudulent company to send charges to an account we closed. Then Regions bank keep sending us notices that we are in negative overdraft charges. Regions is doing this so that the account will go to collections and affect our credit and then it will force us to pay money we do n't owe. In 2015, Regions Bank had to pay consumers back XXXX XXXX dollars in fraudlent overdraft fees for ripping off its own customers. They will never allow any of your accounts to close even after you take out a your money and close the account it 's really not closed. I took my money today different bank but Regions bank is still keeping an old account open with no money in it and keep allowing XXXX to charge 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 monetary relief
Consumer complaint received 07-10-2016 about Debt collection (Medical) with American Accounts & Advisers Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft. I have XXXX unauthorized and fraudulent accounts listed with American Accounts Advisors , Inc., that do not belong to me. I continue to receive harassing and threatening telephone calls from representatives from American Accounts Advisors , Inc., representatives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (TX).
Issue: Trouble during payment process

Complaint: We have contacted the mortgage company several times about the a {$7000.00} K fee that can not seem to be explained to us. We 1st had our mortgage with XXXX. Citi is saying that we have a loan with them that neither of us can point to that we had. Later the loan was sold to XXXX XXXX. It has now been sold to a XXXX XXXX. It still has this XXXX fee that no one seems to have an explanation of why it is there. There are no specific dates that I have that can be supported. We have been trying to address this issue for over 10 years now with no results.

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 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: On  XXXX   XXXX     2016 I ca lled century link to set up internet service at my home. The only thing I was getting was the {$15.00} a month internet for 6 months which was their special. The guy who I spoke with in customer service asked me a few questions and never asked me if he could run an inquiry on my credit, nor did he give the option to pay a deposit. Neither was mentioned in the phone call. I was livid when I later got an email from   XXXX   XXXX   showing a hard inquiry on my credit that I never authorized. I called century link and spoke to someone who verified that the guy di not ask permission as they recorded the initial call. I asked what recourse I had and they said I would have to contact the  XXXX , La office and try to get them via mail to take this off. There was no person I can contact although they had verified the recording. My only recourse was to try to send a letter to a p.o. box. This is unacceptable as I never authorized the transaction upon confirmation of the unauthorized inquiry it should have been removed and sent up the chain to get the information updated on my credit. I also found out that I should have been given the option to pay {$150.00} deposit to avoid a credit inquiry. I was never given that choice. I called several times and never could get anyone on the phone who would help me other than to tell me that I was right the inquiry was not authorized.

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 09-09-2015 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I sent a written request to LoanCare via email on XXXX/XXXX/2015, requesting to have an appraisal so my PMI can be removed. I have yet to receive a response and its now XXXX/XXXX/2015. I called in XXXX different days and XXXX times requested to speak to a supervisor and the Customer Service Agent refused. I would like to have an appraisal done, due to home improvements. I know my loan to value is well under 80 %. I am wanting to go this route rather then refinancing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This account was my second mortgage. It has been paid in full; however, the lien holder states that the payments were late. I went through a Deed in Lieu with this mortgage company and the payments were slowed because of that. Please have all late dates and times removed from my Equifax and  XXXX  reports.   XXXX   XXXX   XXXX   XXXX   #  XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , VA  XXXX 
  XXXX   XXXX   Date Opened:   XXXX  
Responsibility: Individual Account
Account Type: Mortgage Account
Loan Type : SECOND MORTGAGE 
Date Updated:   XXXX   
Payment Received:   XXXX  
Last Payment Made:  XX/XX/XXXX 
Original ChargeOff:   XXXX   
Pay Status: >Account paid in Full; was
a Charge-off<
Terms:  $   XXXX   per month, paid
Monthly for 180 months
Date Closed:  XX/XX/XXXX 
>Maximum Delinquency of 120 days in   XXXX   and in
 XX/XX/XXXX  for   XXXX  <
High Balance: High balance of   XXXX   from   XXXX    to    XXXX  ;  XXXX  from  XX/XX/XXXX  to   XXXX  
Estimated month and year that this item will be removed:   XXXX  
 XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX    XXXX     XXXX       XXXX    XX/XX/XXXX   XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

This account with XXXX XXXX ( {$950.00} ), XXXX ( {$600.00} ), XXXXt ( {$0.00} ), XXXX XXXX - XXXX XXXX XXXX ( {$69.00} ), are fraudulent and have no merit or basis on my report.

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 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: this showed up on my report and I have no idea where it came from. this should not be on my report as I am very careful with making and inquiries hard or soft. 

Institution Information CBCINNOVIS XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation