milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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: The company is XXXX XXXX. They have me reported 30 days late for XXXX & XX/XX/XXXX. On both instances I spoke with a representative and they assured me that I would not be marked late. I have had trouble with them previously when I had my last XXXX when they reported me late in error and then removed the lateness. 

The 2 late payments was removed and then all of a sudden put back on my credit report and I noticed it when I went to apply for a house loan and they stated you have late payments on your credit report. I am very frustrated with this organization and really wish I could turn this car in and not have to deal with them going forward. 

I was also discriminated against on a phone call not to recently ago when contacting XXXX the lady was very rude and talked down to me. 

As a result of these mistakes one of my credit cards went from a credit limit of XXXX to XXXX. I really need to be compensated for this issues and really wish I did not have to deal with them anymore constant mistakes over and over again. I hope this shines a light on them. 

All three credit reporting agencies are reporting the lateness despite my disputes. 

They are also reporting my XXXX XXXX when that car has been sold already. 

Thanks,

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 09/16/2015 about Credit card () with TD BANK US HOLDING COMPANY (FL).
Issue: Closing/Cancelling account

Complaint: In XXXX I obtained a TD Bank Credit Card. I always kept the card paid in full monthly. In XXXX I decided to cancel the card. I called TD bank and informed them I was canceling the card. TD Bank gave me the balance and I paid it in full then cancelled the card. For three years I received no statements or any other communication from TD Bank. In XXXX XXXX I received a letter from TD Bank informing me I owed {$290.00}. Having no business with TD Bank I suspected I was a victim of some sought of identity theft. I called the number on the letter. I was placed on hold for long periods of time, transferred several times then disconnected after about an hour. I attempted several more times to address the issue with TD Bank through the number on the letter always with the say result of hours wasted only to be disconnected. I sent TD Bank an E-mail and was informed by them that they could not address the issue by email and I should call the number on the letter. I informed TD Bank that I had made three attempts calling their number and had lost faith in using it. Several weeks later I received a phone call from someone claiming to be a TD Bank representative who was asking for all my personal information over the telephone, Social Security Number, Address, Birthday, Mothers maiden name, etc. Not knowing who I was speaking with I was reluctant to give my information out. Finally after giving up my birthday I was able to get some information. As it turned out when I cancelled the card TD Bank did not give the proper payoff amount and, unknown to me TD Bank left XXXX dollars on the account and left the account open. The woman I was speaking with informed me that the {$290.00} was interest the Bank was charging on the XXXX dollars they had left on the account. To me this is nothing less thee Credit Card Fraud conducted by the TD Bank. I question how many others were subject to this tactic and just paid it? TD Banks dishonesty has caused me damage as I depend on my good credit to maintain my Florida 's contractors license. I continue to receive letters, outrageous interest changes and damage to my good credit while TD Bank continues this extortion tactic. I hope you can help me and possibly the other consumers who have been scammed by TD Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-04-2018 about Debt collection (Credit card debt) with Experian Information Solutions Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT XXXX XXXX ACCOUNT # XXXX AND INACCURATE LATE PAYMENT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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 non-monetary relief
Consumer complaint received 07/17/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX sold our mortgage to Carrington Mortgage Services in XXXX of 2015. According to them I started out a month behind in payments. I had paid every month they sent statement and tried calling customer service to discuss this but got nowhere. They offered to take a partial payment by check as the website would only allow a payment in the amount of two months XXXX, however there was a fee to do this. I then mailed a check to them and in the meantime started receiving certified letters of Intent to foreclose on our house. Even if they are correct we are only about 3 weeks behind on XXXX payment this is so ridiculous. We looked into this new mortgage company and were horrified to see what had happened to other people, they had lost their homes in a matter of months with this company. We paid the extra month they said we owed just to avoid ruining our credit and losing the property and the day we paid I received a statement in the mail informing us they were raising out monthly payment by {$210.00} explained only as other in the payment breakdown. I ca n't afford that and there is no reason for it. The escrow is currently {$510.00} a month which is {$6100.00} a year. The projected annual escrow payments are only {$5600.00} a year. The amount of yearly escrow? now if that 's even whee its going will be {$8700.00} per year. They do not need to pad the escrow with an extra {$3000.00}. We are very afraid that we will lose this property and need to know what we can do.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXXXXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX  XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX PLEASE REMOVED ALL THOSE FRAUD INQUIRE XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry fromXX/XX/XXXXMiscellaneous XXXX XXXX Inquiry fromXX/XX/XXXXTelephone Companies XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Utilitie s Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Other

Complaint: Credit Card Issuer : Synchrony Financial FCRA/ CFR and FDCPA Credit Reporting Violations To Whom It May Concern : The process to resolve this credit reporting issue began when repositories XXXX plus XXXX received my certified disputes, challenging their reporting of item SYNCBANKJCP - XXXX ; on Wednesday, XX/XX/2016, and Thursday, XX/XX/2016. 
Further, in my efforts to have the unverifiable listing deleted, I methodically completed ( as per the FCRA/ relevant federal statutes ) each required step of the dispute process, yet to no avail. 

NOTE : It was my intention based on the " attempt to collect a debt '' notation listed at the bottom of their inadequate Response dated XX/XX/2016, I ( seeking penalties of {$1000.00} for each violation ) planned on filing with the North Carolina, XXXX County Clerk of Superior Court a lawsuit against Synchrony Bank ; on the premise they have not validated the alleged debt and they still continue to report the item to the credit bureaus. 
Yet, in-order to file a lawsuit against the referenced creditor, there needs to have a Registered Agent in XXXX County, North Carolina ; to whom the papers could be served. But, after contacting the North Carolina Department of the Secretary of State Corporations Division it has been determined that since they only have one brick and mortar branch in the U.S. ( located in XXXX, New Jersey ) there is n't a Registered Agent to serve. 

Hence, because of this absence I am unable to file a small claims suit against them. 

Therefore, as stated in my final correspondence to Synchrony Bank, if they continued to willfully disregard the law, I would and am escalating this matter to your office. Moreover, I have also filed similar complaints with the following governmental and consumer agency .... 
1. The Connecticut Department of Banking 2. Better Business Bureau Serving Connecticut In closing, I do believe in the work you have done as an organization and want to thank you in advance for giving this matter the attention it deserves. 

Best regards, XXXX. 
1. XXXX XX/XX/2016 SYNCB JCP Dispute 2. XXXX XX/XX/2016 SYNCBJCP Response 3. XXXX XX/XX/2016 SYNCBJCP Dispute 4. XXXX XX/XX/2016 SYNCB JCP Dispute 5. XX/XX/2016 SYNCHRONY JCP Direct Audit 6. SYNCHRONY JCP XX/XX/2016 Response 7. Final Direct SYNCHRONY JCP Intent to Sue Notice

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 05/20/2015 about Debt collection (I do not know) with Amsher Collection Services, Inc. (NV).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: AmSher Collection Services reported to credit bureaus a debt which I never owed. It is for XXXX XXXX, which I still use and am current, and have been current, on my bill, but they say I opened up another account in XXXX of this year and owe over {$400.00}. I have used Century Link since at least 2005 and when we moved over 3 years ago, we paid our balance and signed up for Century Link at our new home ( I am sure they would NOT have given us new service without paying off the old ). I have no idea how to respond to these people. I DO NOT OWE THIS MONEY! These charges are erroneous or fraudulent but either way, they are not ours and need to be removed before more damage is done to our credit! FURTHERMORE, we never once received anything from these people indicating that they thought we owed this money .... the XXXX we heard of it was from our credit report which leads me to think they are bipassing the system as a sneaky way to conduct a fraudulent business.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: A skateboard was purchased on XXXX for {$1600.00} on XX/XX/XXXX. The skateboard was returned back to the merchant on XX/XX/XXXX under XXXX tracking # XXXX. The returned item was successfully received by merchant however a refund was NOT processed by merchant. A dispute was filed with the credit card company, Capital One, approximately 2 weeks after XX/XX/XXXX. On XX/XX/XXXX, I received a notification from Capital One informing me that I was getting re-billed for the full amount of this charge, {$1600.00}. However, the amount of {$1600.00} was not actually re-billed to me as I later learned. According to the merchant 's response, I had redeemed {$480.00} of a gift card issued to me pertaining to {$1600.00}. This is 100 % false as I never redeemed any amount relating to {$1600.00}. The merchants response is a lie and I expect a full credit. I expect not to be bullied by a XXXX dollar company and fully, notwithstanding, expect a refund of {$480.00} that was fraudulently obtained and charged to my credit card. The amount of my gift card used had no relevance whatsoever to this specific order.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Credit card () with CITIBANK, N.A. (MN).
Issue: Billing disputes

Complaint: On my XXXX XXXX credit card were additional charges outside of the one I had made to fly to XXXX. A few months after arriving in XXXX, I had noticed these additional charges and disputed them first with XXXX XXXX, who after a month refused to do anything. Then I disputed with CitiBank. I was told the time would XXXX days until a dispute decision was made. 

I never received an update. After contacting CitiBank, I was told that the dispute had been resolved and I would see a credit of XXXX on my statement. 

The statement was posted, but no credit was received. I contacted them again, I was told on the next statement date. Which would be XXXX/XXXX/2015. Now it is XXXX/XXXX/2015, and I have checked the statement, and there is still no credit. I contacted CitiBank again, and was told to wait until the next statement. 

Every month, I am being charged interest on the total amount I owe plus the XXXX. This is illegal what they are doing. They need to go back and refund all of the interest paid, and the XXXX to the balance of my account. 

A complaint is also being filed with the Attorney General and the Federal Trade Commission. 

I have copies of all of the chat transcripts and documents sent and received. 
Chat Transcripts, Unauthorized Charge Affidavit and Letters, Statements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In 2014, my husband and I lived in an apartment complex for a few months personal issues happened where we had to leave. Almost 3 years later we decided to get a credit report for personal reasons and noticed an extremely large debt with a debt collector. Within the years they did not notify us what so ever. Last month we reached out to them and they provided us " verbally '' a list of things we supposedly owed when I asked if they could work with us they said no. We were not going to pay such an amount with no proof of this debt, no notification of debt, and the fact that it has been years and they still expect us to pay the full amount is outrages! Since then we have still not received any paper work indicating the debt. We have contacted the creditor and recently found out they have new owners. We have called, been to the office, and emailed them to at least provide some type have verification of new ownership and some type of copy of our file and have yet to hear back from them. This is ridiculous, I do not understand how they expect us to pay an outrages amount of money we had no acknowledge of oweing, this is not right!

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 07/28/2015 about Bank account or service (Checking account) with PNC Bank N.A. (NC).
Issue: Problems caused by my funds being low

Complaint: PNC Bank has been charging our family overdraft fees of {$36.00} for paying the item and XXXX days later the items paid are returned to the merchant an a reverse item fee of another XXXX is charged to our personal and business accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/20/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CO).
Issue: Account opening, closing, or management

Complaint: I am making a complaint about Wells Fargo. I bank through Wells Fargo and wrongfully receive statements through the mail that contain my name, address, and account numbers. Although account numbers are XXXX out at the top, they are written in full at the bottom of the document. There are not proper safeguards around my account information because mail can be easily stolen. My credit card information is frequently hacked and I believe this may be part of the issue. Additionally, I have opted out of mailed statements ( they should be online only ), but Wells Fargo continues to send me statements by mail.

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 03-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This company is reporting an amount due to the credit bureaus for an amount that I do not owe. My cell phone bill was paid in full with XXXX when I chose to switch providers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03-03-2016 about Mortgage (Home equity loan or line of credit) with Sterling Home Loans Inc (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a 1st and 2nd loan on my home. The predatory lender on my 2nd started a default judgement XXXX/XXXX/15 also called foreclosure. I have sent the 2nd lender the full amount of money owed via a certified check to get my home out of foreclosure. The 2nd lender says they will not apply the check to my account to bring it current until my 1st is current. My 1st is not in default or foreclosure. The property has a lot of equity over the 20 years I have lived here.

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 06-08-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have XXXX accounts that are the same. Both XXXX accounts are the same and even have the same account numbers with XXXX different status. 
I have a XXXX account that is more than 10 years old and should be deleted.

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 02/23/2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Billing disputes

Complaint: American Express refuses to refund me on a fraudulent transaction charge. I disputed a few transactions from XXXX totaled {$110.00}. Those money where taken from my account by XXXX XXXX. The product that XXXX delivered was inadequate. XXXX itself wants to keep my money offering some " credit '' which I do not want. Thus I claimed American Express to refund me on a fraudulent sale through XXXX. I do not authorize that transaction. The dispute with American Express was filed weeks ago. My money is still not refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this debt was included in a chapter XXXX BK XXXX filed XXXX/XXXX/2016 this the collections company was already notified and continued collection practices are being made by the creditor. this account should be removed from my credit report and all collections efforts should cease.

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
Consumer complaint received 10/16/2017 about Money transfer, virtual currency, or money service (Debt settlement) with Equitable Acceptance Corporation (HI).
Issue: Fraud or scam

Complaint: This is a fradulant student loan consolidation company. When I signed up for the consolidation I was promised over the phone that if I consilidate with them that my loans would be relieved in 3 years. After a lot of research and talking to XXXX and XXXX I found out that im basically paying these people {$39.00} a month for them to do nothing ( all thry did initially was submitted me for PAYE, pay as you earn on XXXX ) and I signed a contract with them thinking I wouldnt have any more loans to pay in 3 years which is absolutely not true. I was misguided and being naive about the situation and they scammed me and now they are cold calling me, and my family ( I have no idea how they got my families information, my family lives in XXXX and I live in Hawaii ). I have terrible credit now because of this company but refuse to pay into this scam so do n't know what to do, please help if you can, thanks!

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