milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX sold my account to two different companies and it is now showing up on my credit report two times with two different companies at a {$1.00} difference. I disputed with no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have filed disputes and called equifax to correct my bankruptcy reporting. Equifax has continously reported inaccurate bankrupt information. I am led to believe this is intentional. They have mentioned on their response letter they verified information against  XXXX   XXXX . Why can these people not get my credit report correct? They have affected my ability o purchase a home.They are reporting me filing a chapter  XXXX  on    XXXX   XXXX      when this bankruptcy has been paid in full and discharged. According to FCRA, if someone is reporting inaccurate information, it should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: In XXXX XXXX, I enrolled in XXXX Debt Relief. In XXXX XXXX, XXXX followed their policy and charged off my account in XXXX XXXX. In XX/XX/XXXX XXXX, I received XXXX XXXX from XXXX canceling the debt owed for each card to include as income on my XXXX Tax Return. During XXXX XXXX, I reviewed my credit reports and determined all three credit bureaus were still carrying the amount owed on these accounts as balances. Based upon the Identifiable Event Code ( Box XXXX ) listed on the XXXX, XXXX has marked a code of " XXXX '' Instructions for filling out a XXXX states the following XXXX Decision or policy to discontinue collection. XXXX XXXX is used to identify cancellation of debt as a result of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. For purposes of this identifiable event, a defined policy includes both a written policy and the creditor 's established business practice. I have attempted to dispute these items but XXXX says I still owe the monies for these cards. Based upon the Identifiable Event Code, XXXX has followed their policy and canceled the debt. A cancelation of the debt per the IRS is the debt is no longer valid. When discussing the results of my case dispute, I was told the credit bureau utilized the response of the creditor without question, no matter what my argument was.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an account reporting on my credit report from  Capital One . I already contacted then and the credit agencies to let them know someone was using my identity to open accounts in my name. But the account still remains. I did not open a  Ca  pital One  account or purchase a car with them.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (DC).
Issue: Problems when you are unable to pay

Complaint: A vehicle loan were established with Wells Fargo Dealer Services ; XXXX XXXX, XXXX - total Loan Amount : $ XXXXXXXXXXXX/APR ( 60 ) Months @ $ XXXXmonth payments. Consumer purchased a ( used ) XXXX vehicle. Consumer understood from car dealer ; a warranty purchase would be added to loan. Car dealer failed to add the XXXX warranty as promised. During XXXX XXXX through XXXX XXXX ; the vehicle were inoperable ; Consumer paid {$15000.00} ( out of pocket ) for car repairs within ( 1 ) year ; vehicle remains under repairs. Wells Fargo Dealer Services ; had been advised ref ; vehicle mechanical issues and problems with vehicle. -- Consumer had requested WFDS follow through with a deferment payment plan and make a resolution to the consumer ; regarding a dispute and investigation into the car dealer 's lack of transparency to the warranty purchase. 
Consumer made monthly payments ; XXXX XXXX through XXXX XXXX. Consumer advised WFDS ref ; the overwhelming out of pockets costs to repair the vehicle ; and that Consumer would be considering a lawsuit against the car dealer ; for deceptive practices and the errors and omissions ref the loan. 
Consumer contends WFDS has ingnored the hardship and failed to work with the consumer on said loan amount ( s ), payment ( s ), and deferment ( s ) as requested ; in order to accommodate out of pockets expenses/costs for said vehicle. Consumer has ( documents ) on file regarding mechanical repairs : {$13000.00} + {$3000.00} loan payments = {$16000.00} paid in XXXX by the consumer. WFDS were aware of the issues and financial hardship. WFDS has neglected to work with consumer and has made numerous excuses as to the agreement and/or advisement made by consumer. 
In XXXX XXXX ; WFDS charged-off the loan with interest against consumer. WFDS did n't provide adequate notice nor written memorandum, nor advised consumer of options and/or consequences. WFDS has canceled and terminated loan payments and has requested consumer to make payment in full for the remaining balance in the amount of {$10000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (MI).
Issue: Managing, opening, or closing account

Complaint: Rushcard promises two day early direct deposit. My dd usually comes no later than XXXX XXXX one day before my payday well still no money. And customer service has been unreachable for 3 days now. Yesterday I called XXXX times and was on hold XXXX to XXXX min a piece only to be hung up on. My online account access has been locked since XXXX since then I have not been able to reach customers service. I switched to another card company but still have XXXX more direct deposit coming from my job. I have to leave town for a job interview today and can not go because I have no money. I have XXXX kids and I need to feed them. This is no joke this is my hard earned cash I plan on obtaining XXXX attorney if I do n't hear anything by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: After I graduated from XXXX school in 2013 I was told to put my loans into forbearance because I was sick and unable to work. The problem with this option was that I was never told that the interest was accruing the whole time leaving me with a huge loan that I am now trying to pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Debt collection (I do not know) with Valentine and Kebartas, Inc. (VA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Various people calling three to XXXX times a week and asking to speak with me. They then have proceeded to tell the person answering the phone that he was trying to " verify my employment '', " verify my date of birth '', and " verify my social security number '' asking for this person to give it to him. He has also stated that they are going to " garnish my wages XXXX % ''. I am also receiving phone calls on my cell phone 3-5 times a week. He leaves the company name of Valentine & Kabartas but calls from a local phone number.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: My Citibank checking account was closed after a bit more than 2 months without any explanation. Sequence of events : 1. XXXX XXXX - Account opened online. 
2. XXXX XXXX - While on vacation overseas, a letter was sent to me requesting a XXXX form. I did not reply to the letter until XXXX XXXX, when I returned from vacation. 
3. XXXX XXXX - Account was closed. A check for the balance was sent to my address. 
4. XXXX XXXX - Received a message from Citibank that a new checkbook has been sent to me. 
5. XXXX XXXX - Received a message that my account is now open. 
6. XXXX XXXX - Received a checkbook. 

I made two phone calls to Citibank support and have visited a branch once. 

On the first phone call I have been told that my account was closed and that I will receive an explanation for the closure via mail. To this date I have not received mail with an explanation or even a confirmation that my account was closed. 

On the second call I was told that the message telling me I will be receiving a checkbook is related to the check that was sent out for my closing balance. That was on obvious lie, as a week later I have received an actual checkbook for an account that was already closed at that point. 

During my visit to the branch, the CSR explained that my account was closed due to some document they were missing. He could not tell me which document exactly was missing. 

To this date : - I have not received any explanation as to why my account was closed. 
- I have not even received written confirmation that my account is in fact closed. 
- I have in my possession a checkbook that was sent to me after the account was supposedly closed.

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 07-06-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Incorrect reporting on Experian credit report. XXXX and XXXX have all payments on time. Experian does not updated or send method of verification when asked. Also does not updated no late payments. There are no late payments but they report late payments and are interfering with my home buying process report untrue 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 01/21/2016 about Debt collection (Medical) with Business & Professional Collection Service Inc (NV).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: XXXX XXXX XXXX sent my account for {$240.00} to collection without notifying me they would do so. In fact, I paid {$310.00} of an initial {$550.00} balance that I negotiated down from the original {$780.00} which proves I communicated with them. I had sent a total of five payments and had the sixth check written to go out in the mail when they sent this to Hospital Collection Services whom I also contacted to say I would fight this and their response was to simply send it to collection. XXXX XXXX XXXX have failed to show proof I requested by letter and by telephone that they sent me XXXX consecutive statements of any sort of warning that I would be sent to collection. I had an array of hospital bills for this visit in 2013 and paid them all off ... .some of which were much larger. These included XXXX, XXXX XXXX, XXXX 's hospital, etc. Why would I ignore such a small bill when I paid all the other 's? Neither company was willing to work with me when I telephoned, sent letters, and after repeated phone calls explained they would leave this in collection and not accept payments.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Debt collection (Credit card) with Coastline Financial Resources, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: This is a company that goes by the name XXXX XXXX. They have been harassing my family and my in-laws. They even called my fianc at his place of business. They are threatening to sue me for a debt that is beyond the statute of limitations. The debt is over 8 years old and is no longer on my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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: From XXXX 2011 to present, all 3 major credit bureaus reported an extended late payment history on my account ( s ) by the creditor/student loan provider, XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The creditor also appears as " XXXX XXXX XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' on other reports. 

After receiving official documentation from XXXX XXXX stating that my account was inaccurately reported as late and that the account is now closed after being paid in full they still remain as active negative items on all three of my credit reports. 

Numerous letters, disputes, and phone calls have been made to the three major credit bureaus regarding this matter and yet none have helped remedy the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Alliance Data Card Services (TX).
Issue: Confusing or misleading advertising or marketing

Complaint: On approximately  XXXX   XXXX , I was with my grands whom I wanted to make a purchase for. I am  XXXX , am a widow to  a US  veteran, and although I have good benefits the advertised fixed payment option was perfect. My grandson wanted a  XXXX . It clearly states io eBay if approved  for PayPal cre dit, the payments would be a certain amount. I clicked the button, was approved and then told it was not eligible due to being a high risk item. M y   PayPal  account was then limited to only being able to add funds, but not make or withdraw. They have asked for at le ast 4 form s of identification and proof of address and now tell me they will keep my information and I can not use the account. I have a deep accent and am elderly. I also offered to send in my birth, marriage, and credit reports that confirm my identification and current address. There is no check to my credit and I 've not received any assurance my credit line would be closed. Since I see no issues on my credit report I have no other idea but that it is associated directly to my having a heavy accent and being elderly. I called my creditor and bank to see if they had received a call fro m PayPal to co nfirm my statement information which was requested and they had not so a proper investigation has not been made and I 've been unfairly judged and discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Debt collection (I do not know) with Financial Filing & Reporting, Inc. (CA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Received a phone call at XXXX claiming that this XXXX XXXX was trying to reach out about a lawsuit that was attached to the social security number and that action needed to be taken asap. I googled the phone number that was on Caller ID and it is not registered to the place XXXX was claiming she was calling from. XXXX claimed she was calling from GLC Associates but when I searched the company their website said they were a work safety consulting company. I searched the XXXX number and a GCL Financial Group came up with a lot of consumer complaints. I also searched the XXXX for GLC Financial groups where consumers complained of this company being a scam and taking money.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Billing disputes

Complaint: I received a letter from Synchrony Bank stating they completed a review on my Belks Card acct. and a decision was made to close my account. This is the same bank I wrote a letter to close my Visa acct and responded that they will leave my acct open and lower my credit limit to {$520.00} after I wanted my acct closed. Now with the additional charges of late fees I received another statement with above credit limit additional fees. I thought I had closed this acct awhile ago. I do remember when I used my card years ago, I always paid the balance in full. they 're lowering my credit score. I am now on XXXX with little money.

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 08/17/2017 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: Over the past 4 months I have made several disputes with Trans Union regarding an fraudulent account being reported on my Trans Union Credit report. In my written and online request I asked that Transunion please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX for {$740.00} I would like Tran Union to conduct a fair legal investigation and once the investigation is complete remove the account..Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from Transunion proving the account is mine. There is no possible way that this account belongs to me.PLEASE HELP

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 01/24/2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Wrong address info

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Bank account or service (Checking account) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Deposits and withdrawals

Complaint: Bank is reordering transactions to cause overdrafts and not processing deposits before withdraws.

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 03/31/2017 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Medical debt) with Preferred Collection and Management, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have contacted this company and disputed these charges prior to doing this. I have set up a payment plan wit the Original Debtor XXXX XXXX to pay payments on all debts in their system in exchange for these being taken off of my credit, its close to {$5000.00} plus dollars. I have been making complete payments and also on time. And there were three debt collectors, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX. The other two besides XXXX XXXX XXXX have removed their 's but this company refused to. I have no contract with them as well as no debt with them, and furthermore .... before I disputed the charges on my report I NEVER RECIEVED ANY SORT OF NOTIFICATION on this debt, which I received on X/X/18. So not having my information is no excuse to not follow guidelines here. I had no clue my insurance did n't pay these items UNTIL IT HIT MY CREDIT!!!!!!!!! This is a shady tactic used because I applied for a loan. Im very disappointed because all I had to do was make a phone call to them and my insurance to handle it. Please remove this as the client and the consumer requests before any further monetary damage is made to my credit. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Debt collection (Federal student loan) with Educational Loan Servicing, LLC (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I responded to a XXXX ad claiming to be work with the government and help students with student loan forgiveness. During the conversation she was able to have access to my XXXX XXXX, bank account number and routing and was able to extract my SS # and had my CA Driver 's license no.she she drew up forms with my info saying that they were going to help me and that had to pay XXXX lump sums of money before I could pay a very reduced payment for 120 months. she had me click sign her buttons on the forms to generate a generic signature of my name. I have called my bank to close my account and changed security questions, user id., & password. I 've filed a complaint with the FTC.

Company response to consumer: Untimely response
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Contacted both Transunion as well as XXXX XXXX and have not had this issue resolved yet after numerous attempts. Inquiries on my credit report that were not authorized by me nor belong to me remain on my report. Inquiry dated XXXX/XXXX/XXXX 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