milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: There is an extended fraud alert on my account ; I am entitled to XXXX free credit reports. Transunion 's online site shows that my fraud alert is active through 2022. The link to request a free fraud alert credit report takes me to a page that calculates the price as {$8.00}. This report should be free. There appears to be no way to order the free fraud alert credit report online, or through the interactive voice response system. With considerable difficulty, I was able to reach a human being and order the report after waiting on hold for a large fraction of an hour. 

I would like Transunion to fix this defect on their site. The desired outcome is for fraud alert credit reports to be provided free of charge, through a link that is readily discoverable from the Transunion home page. 

I am attaching a PDF showing the fraud alert screen and the non-free order page. It appears that logic intended to discount purchased credit reports in California is taking precedence over logic that provides free fraud alert credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/31/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: As a service member in the United States XXXX when this lease was effective, I was protected under the Service Member Civil Relief Act with the right to terminate a residential lease, if there is a permanent change of duty station for no less than 90 days. <P/>Termination of residential or motor vehicle leasesSec. 305 ( 50 U.S.C. app. 535 ) Military persons who live in rental  property are allowed to terminate leases entered into prior to a period of active service. It applies to : ( 1 ) property leased for a dwelling or for professional, business, or farm use, or other similar purpose, where the person leasing the property later enters active duty in military service, or where the service member executes the lease while in military service and thereafter receives military orders for a permanent change of duty station ( PCS ) or to deploy with a military unit for a period of at least 90 days.
The service member may terminate a property lease by delivering by hand, private business carrier, or mailing return receipt requested, a written notice and a copy of his or her military orders to the lessor or its agent. <P/>In XXXX 2014, I did my due diligence and provided a WRITTEN NOTICE to the landlord in informing them that we were vacating the premises in 30 days due to military orders. The landlord ACCEPTED the written notice and made note that we were vacating the premises. <P/>To this date, there is a collections account on my credit report for {$3300.00} and this has dramatically impacted my credit score and report to the point where it is difficult for me to obtain credit and rent elsewhere! I have attempted numerous times for the past 2.5 years to dispute this collections account. It is VERY SAD how this company and its representatives treat service members!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am being denied credit because of some information that is no longer correct. 
Case or ID # XXXX Chapter XXXX was discharged on XXXX XXXX 2015. This is still showing up as being filed and needs to be listed as discharged. This is causing issues on my end. Please correct this asap. Thank you .... 
DOCKET # XXXX -- this needs to be removed. it is more than 8 years old ... deleteDOCKET # XXXX -- Needs to be deleted ... I am no longer liable for this account. 
XXXX # XXXX NEW INFORMATION -- this needs to be removed. I am no longer liable for this account. 
XXXX # XXXX NEW INFORMATION -- this needs to be removed. I am no longer liable for this account. 
XXXX # XXXX NEW INFORMATION -- this needs to be removed. I am no longer liable for this account. 
XXXX # XXXX NEW INFORMATION -- this needs to be removed. I am no longer liable for this account. 
XXXX # XXXX NEW INFORMATION -- this needs to be removed. I am no longer liable for this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-02-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Hi, My name if XXXX and I reside at XXXX MD. XXXX.I applied for a mortgage modification Loan with Ocwen Loan Servicing in XX/XX/XXXX. During this process Ocwen has made me apply for this modification twice in the name of not receiving the proper documents they need. I have also complied email of documents with I have sent from both emails of mine. I have a list XXXX emails of documents that I have sent on more than two occasions on supposed missing documents. I believe on XX/XX/XXXX I spoke to a Supervisor not an account Manager name but a supervisor with the name XXXX who I expressed my frustration of the process to have n't sent documents over on everything more than three times times and also to make sure that I was not scheduled for foreclosure. He assured me that I i did not have a foreclosure date and that I soon as they have everything need I will not be scheduled for forcefulness until I am fully reviewed for a modification more especially since I have never applied and also have n't been fully reviewed. He made me send the documents again and he personally called me to let me know that they have everything and I will be reviewed for a modification. 
I recently received a mail from an law company advising about a foreclosure on my property. I was very upset a reached out to Ocwen. I spoke to a gentleman name XXXX with Employee ID XXXX who assured me that there was no foreclosure date set. He guaranteed me that, that should not happen. I called again days later after speaking to Ocwen representing counsel who stressed that I am scheduled for foreclosure on the XXXX of XX/XX/XXXX. I called Ocwen again and spoke to one from their Escalation team name XXXX employee number XXXX. Which again assured me that there is no foreclosure set date. H e promised to have a supervisor call me on XX/XX/XXXX, but I received no such call. It seems to me Ocwen is looking for a reason not to give me a modification and then take my house from me and my family. I will also attache the numerous email. Can you guys please hep me keep my house for me and my family. We make enough to qualify for a mortification but yet are not even getting a chance to be reviewed.I also had a prevoius complaint whith complaint number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: 1 ) EQUIFAX reports one of my previous addresses incorrectly : XXXX, NY XXXX The correct address is : XXXX, NY XXXX XXXX ) EQUIFAX & XXXX XXXX report incorrect Employer and previous Employer. My current Employment status is RETIRED and Previous position was Owner of XXXX 3 ) XXXX & XXXX report XXXX Collection Account. I had a Judgement due to a tax dispute with NY State where I failed to persuade NY State to agree with my arguments. The authorities filed a judgment with the XXXX County Clerk which I immediately paid and the judgment was satisfied. This is not a unpaid collection account. 

4 ) The number of ALL, REVOLVING ACCOUNTS & OTHER ACCOUNTS reported by the XXXX agencies differ from each other. 

I request that these errors are corrected asap.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery has called me ftom more than XXXX different phone numbers to collect an old debt. The debt originated XX/XX/XXXX and dropped off credit bureau reporting XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2015 about Debt collection (Auto) with HYUNDAI CAPITAL AMERICA (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XX/XX/XXXX my wife and I had our XXXX Kia Optima was repossessed by Kia Financial, they violated the California Breach of Peace of Repossession law which is illegal by entering a gated and secured premises without property owner 's permission. We thought the car was stolen so we called our local police department and they told us that the car was picked up from some repossession towing company hired by Kia Financial and they provided the number to the towing company. We called because we still had our personal belongings left in the vehicle and the driver said we had to pay him a {$25.00} cleaning fee to get our stuff back. Which is illegal. We never received a post repossession notice and we do n't know if the sale of the car was commercially reasonable or how it was sold, but Kia is saying that we owe {$7500.00} for the balance on the car but they never sent us any information about the car stating this amount or any thing. We recently contacted Kia financial back in XX/XX/XXXX to try and resolve this matter and we requested the information about the car and what they said we owed, and the lady told us that she will send it by certified mail and we will receive it in a couple of days and to this date they have not sent anything to us, but she did try to get money from us for the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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 Equifax Re : XXXX XXXX XXXX To Whom It May Concern : I am requesting that a dispute be initiated for a XXXX XXXX # XXXX. Enclosed is a copy of drivers license, copy of the reporting of the XXXX XXXX account, Copy of the Certified Letter sent on I continue to dispute the validity of this account. Can you notify me of the outcome of this correspondence? Thank you for any help you may provide in this matter. Thank you Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Other

Complaint: I 've been getting collection calls from JCPenney about a car that I do not own. I 've never had a JCPenney card. I do not do business with them

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This was back in 2009, but it still bothers me until today. I had a credit card with Wells Fargo bank and did not have a job at the time to pay it off. I received over 5 calls everyday, sometimes right after each other and was threatened over the phone that the police was contacted regarding my outstanding credit card debt and that they plan on issuing a warrant for my arrest. I lived with the harassing phone calls for 3 months until I got a job and started paying the credit card debt I owed. Even though this is over 8 years ago. I still feel traumatized to this day in regards to the phone call and Wells Fargo as a bank. I believe they were extremely unprofessional and at that time I did n't know their actions were illegal until after I paid my entire credit card debt. The amounbt I owed originally was around {$700.00}, but with late fees, overdraft fees, and interest I paid around {$2000.00}.

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 06-10-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to Seterus in XX/XX/XXXX. I learned this when I went to make payment at XXXX XXXX XXXX and the teller could not process as the account was closed. I did research and contacted Seterus. Since, I have had nothing but a frustrating experience. While I made my XX/XX/XXXX and XX/XX/XXXX payments, I received a mortgage foreclosure package which was of grave concern! My payment for XX/XX/XXXX was made electronically on XXXX XXXX, 2016 in which I paid a XXXX dollar fee so it would be processed the next day. When I continued to see the monies had not been withdrawn from my account, I contacted Seterus. I was told they had not yet possessed the request. I could not understand why. I was told my account would show payment on XXXX XXXX. I checked my account again yesterday to learn this payment had not been withdrawn from my account. I called Seterus again this morning. I was told by my bank, XXXX XXXX, indicated there were insufficient funds. I was asked by Seterus to make a payment via phone. I stated I needed to followup with my bank. The Seterus representative asked if I were refusing to make payment. I stated that was incorrect ; I wanted time to clarify with my bank why they did not process the payment. Te representative was insistent she had to note my intent. I told her a payment woudl be made by the end of business today. I asked the exact time of close of business. I was told it is XXXX Eastern Time. I have since contacted my bank, XXXX XXXX, and there is NO record of an attempt to draw the amount due {$2400.00} from my account and it was verified that between XXXX XXXX and today, XXXX XXXX, 2016, more than sufficient funds were available. XXXX XXXX has given me a reference number as they are contuning to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Debt collection (Credit card) with American Recovery Service Incorporated (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt collector sends me a letter asking for a debt that I do not owe and is not mine. Gives me 30 days to respond. I sent a letter telling debt collector that I do not owe but do not understand why collector keep badgering me and I feel harassed. Collectors have even called my wife! I ever owned a XXXX XXXX. I have gotten calls for years about this type of amount. I do not know why the collector or XXXX think I owe them money. I wonder how many other people are being badgered? Some action needs to be taken to stop this bad behavior. 

I did work for a company that had COMPANY credit cards and was an accountant who processed transactions FOR THE COMPANY. When I was an accountant, there were no past due amounts for any credit cards.

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 07-01-2015 about Debt collection (Auto) with Alpha Recovery Corp (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX 2015 I received a settlement offer letter from XXXX XXXX in regards to my car loan debt. I reached a settlement offer and they emailed me a settlement letter to be paid by XXXX XXXX. I called them on XXXX XXXX, 2015 and paid the full settlement offer with my debit card and it cleared my bank. Then on XXXX XXXX, 2015 I received another email from XXXX XXXX acknowledging that my settlement was paid in full and they would be reporting to the credit bureaus. By XXXX XXXX, 2015 my credit report was hit by XXXX XXXX showing the my debt was " Closed '' and " Paid ''. On XXXX XXXX, 2015 I received a phone call from a third party debt collector named XXXX XXXX XXXX stating that XXXX XXXX sold my debt to them and they were trying to collect my old settled out account. XXXX XXXX XXXX did not show I had made any payment. I forwarded on my settlement offer and paid in full letter I received from XXXX to prove that I had in fact paid and settled out that account a month before they even sold it off. I then called XXXX XXXX to clear this up. The rep with XXXX did show on my account it had been paid and closed in full and they do n't know what happened and why it got sold after the fact. They said they would get it taken care of. Then today, XXXX XXXX, 2015 XXXX XXXX XXXX calls me back trying to collect the debt once again. I explain my situation again and they then acknowledge they received my emailed letters showing I made a payment and that they did try to reach out to XXXX XXXX about my account and they still had not heard back from XXXX I then called XXXX again on XXXX XXXX, 2015 to double check on my account status and to let them know I am still getting calls from their third party company they sold my account to. They advised me again that they were going to get this taken care of and would reach out to the third party collector in regards to my account. They again verified that yes my account was settled and paid in full and this Third Party collector should not be trying to collect from me. I am filling out this complaint because after going through all the legal and proper steps to reach a settlement, pay off settlement, and my credit report being hit for closed and paid status shows how XXXX has not abided under the Fair Debt Collection Practices Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (Medical) with Consumer Adjustment Company Incorporated (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have neither claimed or denied the debt. I asked for verification and they claim they had mailed it out over a week ago. I have not received anything in the mail. Now they are calling my work office main line which is totally unacceptable since I told them they could reach me threw my cell. I have not received any new calls on my cell from this company and now I am taking legal action to get these calls to stop at work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-10-2017 about Debt collection (Credit card debt) with Convergent Resources, Inc. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company has illegally re aged this alleged debt that I owe. They have also reported their debt collection agency as a an open account on my credit report. which makes it seem like I opened new accounts and defaulted on them. these deceptive practices have hurt my chances to obtain credit. Now I will be forced to take legal action against this agency unless they delete these erroneous accounts from my credit report immediately.

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 01-04-2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Late fee

Complaint: I closed a Citibank account and made sure there was no out- standing balance. But Citi did n't take enough to clear a late payment penalty, which should not have been charged, and then in the following month it charged a late fee on the late fee -- in other words, a XXXX % in XXXX month penalty for a phantom bill.

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 12/30/2016 about Bank account or service (Checking account) with U.S. BANCORP (ID).
Issue: Deposits and withdrawals

Complaint: A XXXX Bank in XXXX cashed a check we sent our nephew for XXXX in the amount of {$25.00} and they also debited our account an additional {$990.00} that was on a completely separate payroll check written by a XXXX XXXX XXXX from XXXX, this check shows up in the image of our check provided by our bank. I have attacheded a copy of the image of the check provided by our bank. Our bank ( US Bank ) here in XXXX, XXXX removed the funds from our account to pay the check. We have nothing to do with this second check except that the funds were drawn from our account. I contacted the local branch of US Bank and explained what I thought happened and was told that it would have to be referred to their back office. When I asked how long that would take they said they did n't know but would call back when they had a better idea, no apology whatsoever. We are leaving the country in two days and wo n't be back for a month, I told them this and indicated that I wanted them to expedite whatever action they needed to take to get the money back into our account before we left town. I have n't received the promised call back and we have exactly one business day left before we leave for our trip. I do n't know who should be responsible for returning the money but they have taken a very nonchalant attitude about the entire mess, meanwhile we are out {$990.00}.

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 02/14/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (IN).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: Store card name : Best Buy Issue : retro-active interest on unpaid interest free balance balance = {$260.00} interest charged = {$160.00} Time frame XX/XX/XXXX to XX/XX/XXXX Best Buy is billing me {$160.00} in interest for 1 week on a remaining balance of {$260.00}. 
As the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX, commonly called the CARD Act signed into law XX/XX/XXXX protects credit card holders from unfair practices. Credit card users are protected from retroactive interest rate increases on existing card balances without a minimum of 45 days ' advance 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