milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX   XXXX  retaliated on  XX/XX/XXXX  after a complaint had been filed and   XXXX   allowed duplicate and triplicate reporting of debt to be placed again on my credit report. Some or most of the debt is NOT even mine. When I complained about the debtor changing account information from individual to joint they added more reports of debt to my credit history. I will never get out from under this mess unless I file bankruptcy which I should n't have to do since the Hospital wrote the debt off in  XX/XX/XXXX ,  XX/XX/XXXX . The debtor   XXXX   XXXX   is pursuing me out of spite and malice.If I could have afforded to pay the  XXXX  bill I would have, I did n't have insurance or a job when I was hospitalized or my spouse being hospitalized for a Worker 's Comp Claim that  XXXX   XXXX   XXXX   XXXX  should have paid but did not. Please get this creditor to stop harassing me and ruining my life. I ca n't get a job, I ca n't get a loan, I ca n't do anything to help recover from this mess and most of the mess is not even my debt nor did I receive the services.which are exclusive to ONE persons being hospitalized getting care not joint. I did NOT sign as a guarantor on any of the paper work and the Provider is on a federal venue for indigent care. I qualify for care under that status alone.  XXXX  has a duty to prevent unlawful entries, duplicated entries and entries which demonstrate the creditor is abusing their power with repeated entries duplicate account numbers or the same account number being entered over a  XXXX  times with different amounts when the aggregate of that account should have been used once.

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 08/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: XXXX17- applied for a Balance transfer for {$1900.00} online. Notice that the actual account the transfer was to credit was wrongly entered by one number at the end. 
Same day- contact company thru their website Consumer Service line with written information that the account was wrongly enter. They reply back with a generic statement for transfer details. 

XXXX17- Balance transfer was completed for XXXX on my statement. But, it did not post to the right account due to error for wrong number at the end. They say that I would need to wait 7 -10 business days to see if the account would have the posted to the credit card. 

XXXX17- I waited the 10 business days for the account to post with the {$1900.00} dollar fund to the other credit card. It did not post. I personally called and talked with a Consumer Relationship Manager- told them again- the account was wrong by one number and was entered wrongly. He verified that the account was different by the one number at the end. 
They would open a case on this and credit my account with {$1900.00} within a few days and check my statement for the credit of {$1900.00}. The case number is XXXX. 

I additional wrote thru their website for the credit of {$1900.00} to my account. They send another generic response back. 

Today XXXX17- I wrote again and asked when will my account be credit for {$1900.00} transfer. They responded with a generic response that I would need to wait up to 30 days to have this credit to my account. 

After working with company to first to correct the issue before they would post the transfer they refuse to listen to my concerns. Then the money did not post to the Credit card and they finally noticed that the account was wrongly entered in to the system and say they would credit my account within a few days. Now I need to wait additional 30 more days. If I was late with a payment as they are late with my credit due to me then I would be charge huge fees.

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 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 09/29/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (TX).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Someone else has opened a PayPal account using my email address ( XXXXXXXXXXXX ) even though I did NOT click on the verification message that was received. My complaint is that PayPal allowed this account to use my email even though I did NOT open the account or verify that the email should be used. 

Further, in the email, there is NO WAY to reject the verification. In fact, the email says not to reply by email. In order to file a complaint on the PayPal website, it requires me to login. How am I supposed to login when this is a fraudulent account? So my second complaint is that PayPal has made it difficult to resolve an issue that they are responsible for creating in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SECURITY FINANCE CORP (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company continues to call my place of employment a few times a week after they have been told I can not accept personal calls at work.

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 01/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: After graduating in XXXX with an XXXX, I had {$12000.00} in loans from XXXX. I was granted a year of forbearance while I looked for a job in the XXXX. Along the wy, I dived into enterpreneurship and tried o get a company off the ground with XXXX former XXXX classmates. Again.\, I approached XXXX XXXX for another forbearnce qwhile i tried to raise capital for a startup. I was out of work for two years. At the end of XXXX, I backed out of the startup company and worked at a XXXX company. My annual salary was {$17000.00} gross income.My XXXX XXXX account was taken over by a collection agency XXXX XXXX from Minnesota. XXXX told me that I had to pay off a reinstatement fee to avoid default. I called XXXX XXXX and they confirmed I was passed on to collection and that my account is now managed by XXXX. I followed through for ten months to payoff the reinstatement fees ( about {$1000.00} ) to avoid default ), then registered on the XXXX XXXX website to start making online payments and collect notifications via paperless. Upon opening the account, I see in red highlights that I had a minimum due of {$2000.00} + ( an accumulation of non-payments and late fees ). I was alarmed and upset that I was fooled to think that I could make minimum monthly payments of XXXX ( which is what I could afford with my cost of living situation ). Instead, I still owed a enormous payment and even deeper in debt. I wrote to XXXXNavient and sent an email for advice and help ; no response. I called and was put on hold for 10 minutes then lost contact. Sheer frustration and anxieties. I have lost hope and decided that I will pay what I can monthly and ignore the red highlighted minimum due of {$2000.00} in perpetuity, Navient now has taken over my account which has ballooned to about XXXX.Unlike Federal loans, I provided proof of income-depraved with my income tax returns to EdFinancial and have benefited on the Income Driven Repayment Plan. This made sense for people like me who want to pay based on the living wage, and not be penalized exorbitantly. The New York times article on NAVIENT lawsuit inspired me to tell my story and share the uphill daily struggle with financial institutions. I surely wish that there is hope for a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have send several letters out to XXXX about hard inquiries I have 43 hard inquiries on my credit report I have disputed them but have not heard anything from Transunion, XXXX, XXXX I have 18 hard inquiries on Transunion 43 on XXXX  and 16 on XXXX it has been over five months and I have not heard for any one

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 07-07-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I financed flooring and installation from XXXX XXXX in XX/XX/XXXX 2017. I was given an estimate of approximately {$2200.00} for flooring and installation. I applied for financing and approved for {$2500.00}. <P/>Once I received an invoice from Synchrony Bank the amount was much higher than my estimate. <P/>I called XXXX XXXX and asked them for an itemized list of charges but they could not explain the items. They said I needed to call Synchrony Bank. <P/>I called Synchrony Bank and filed a dispute. They could n't explain the charges either. They said I needed to call XXXX XXXX. <P/>I want to know what exactly i 'm being charged for and why the total amount comes to {$3200.00} materials/laminate & square ft. - {$1000.00} installation items & square ft. - How much per square foot and total cost of that service. <P/>Thank You, XXXX 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 monetary relief
Consumer complaint received 03/28/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech bought the servicing on my loan in XX/XX/XXXX. Since then they have refused to report my payment history to the XXXX credit bureaus. Ditech wanted a re-affirmation agreement for the mortgage. I have provided this twice by fax and once by mail. When I call to find out if they have the document and are ready to report to credit bureaus, I get hung up on, or they ca n't find the document, etc. etc.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Debt collection (Credit card) with STERLING JEWELERS, INC. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX to XXXX phones calls a day and sometimes using a number modulation to change their phone number saying different states

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit card () with DISCOVER BANK (PA).
Issue: APR or interest rate

Complaint: I was given a credit card with 0 % apr for purchases made with the card which ends in  XXXX  of  XXXX . I was also given a 0 % pr for balance transfers that is good until  XXXX   XXXX . I used the card to purchased  XXXX  high end items totaling almo st 600  dollars that did n't work out and need to be returned. Once the items were returned discover credited the refund to by balance transfer amount and not my total purchase amount which in turn is making me pay an extra  XXXX  dollars toward my purchase balance that will need to be paid off by  XXXX  in order not to be charged interest. Honestly after trying to rectify the problem with discover with no avail I feel like this promotion is a scam to real customers in to make purchases and if for any reason you need to return the purchases you can but at a higher price to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Debt collection (Credit card) with Weltman, Weinberg & Reis Co., L.P.A. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The company 's response is not factual. My initial agreement ( attached ) XX/XX/2011 was with XXXX XXXX, not Weltman Weinberg and Reis. As I stated, XXXX turned the account over to XXXX XXXX XXXX without notifying me. When my checks were retuned to me, I called XXXX and they answered the phone as XXXX XXXX XXXX. When I asked them about my account, they had no record of me or any payments. That 's when I decided I had better hire a lawyer. I then provided cancelled checks and we agreed to resume payments to XXXX, not XXXX. Then several months later, I received a letter from Weinberg stating that they would garnish my account if I did not send them payments. I had never heard of Weltman. I then called Weltman and they told me the account was being handled by XXXX. I then called XXXX again and they said they had no record of me or any payments. I then called my lawyer again and we still do not have a resolution. I asked for a written confirmation from Weltman that clearly stated that my agreement was with them, not XXXX and that my payments would be properly applied and reconciled. I still do not have any confirmation, though I have continued to blindly make payments to Weltman because I do not want my account to be garnished and I do not want to incur more legal fees. I want XXXX things : I want a copy of a written agreement transferring the account from XXXX and XXXX, and I want credit for {$1200.00} in legal fees I have incurred because of the incompetence or negligent handling of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In 2014, I visited a apartment complex by the name of XXXX XXXX on a Sunday afternoon. I inquired on a XXXX bedroom apartment and I filled out a application to be qualified for the apartment. I was told that it was Sunday and they would not be able to give me an answer until later on down into the week regarding the status of the application. I still filled out and gave my application fee. I left the complex and got home. less than XXXX hours later I called the apartment complex and told them I had changed my mind on the apartment and to not process the application. I thought this was over with. I did not ask them to refund the appication fee or anything. So I was shocked when I saw this account of my credit profile as me owing them money for a apartment that I never lived in nor signed a lease for.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Debt collection (Medical) with Computer Credit, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This is the second time this has happened to me with this company. I fell for the scam the first time. I was mailed a bill from Computer Credit , Inc. on behalf of a medical bill with XXXX XXXX. I paid the debt of {$84.00} and the check cleared my bank on XX/XX/2016. Computer Credit then sent me a repeat of that same bill on XX/XX/2016. This was sent 4 days after the check cleared. Not received but cleared. This company has done this before and I fell for the scam and was never reimbursed. This is no accident on their part. They will repeatedly re-bill as long as the victim keeps paying. A nice side effect is they ding your credit score while doing this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have written to the companies to inform them that I did not authorize these inquiries made on XXXX XXXX 2017 from ANY auto finance companies. I was previously approved on XX/XX/XXXX through a different lender and never authorized for my credit to be ran again or to apply for finance through different companies.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Debt collection (Credit card debt) with ERC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I was a victim of identity theft, according to what the bank stated to me the victim was arrested, they refused to give me anymore information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Credit card () with JPMORGAN CHASE & CO. (TN).
Issue: Credit determination

Complaint: I applied for an Amazon credit card about 5 months ago and Chase approved that XXXX, but denied my application for a Chase Slate credit card saying I applied for too many credit cards within the last 24 months. So I tried to get a Slate card within this new year of 2016 and the denied me again and now my credit score will have a big ding on it and I have good credit. ( or did ). I would think this new year would be not involved in the past 24 months and I feel it is very unfair for Chase to include my new application in it! Does the fact you have good credit not mean anything to Chase Bank!!?? As long as your credit is good and you have been paying ALL your bills on time, it should n't matter how many cards you apply for. NOW my credit score will go down for NOTHING!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: from  XXXX  -2017 I have b een asking Santander Consumer Usa for VALIDATION of this debt that they claim I owe them. I have send letters to all the major credit bureau requesting validation and they always tell me that it has been verified by the company through a computer system that sends codes, what is that, that 's not fair to Consumers I need physical verification or validation that is determineing I owe this Debt no he say she say

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: On XXXX XXXX I originally amended my Chapter XXXX Bankruptcy to included the accounts for XXXX located on XXXX XXXX XXXX, XXXX NJ XXXX. 
On XXXX XXXX XXXX I remanded the discharge ( Case # XXXX ) to include the same XXXX accounts. My discharge was awarded XXXX/XXXX/XXXX XXXX Bankruptcy Court XXXX Court. 
XXXX XXXX has recently purchased this debt from XXXX in XXXX XXXX. 
I have sent the orginal schedule dated XXXX XXXX, XXXX, updated amended schedule XXXX XXXX, and discharge to XXXX, Convergent, and bankruptcy courts. As well as disputed this debt, with Convergence on three separate  occasions. XXXX XXXX continues to pursue this debt and report it, while further damaging my credit.

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 09/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Williams & Fudge, Inc (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: William & Fudge keeps calling me and my spouse. They claim I owe money from a balance of about {$600.00} to XXXX University. I attended XXXX XX/XX/1998. I also contacted the school, 7 years ago because of the hold I had on my account, and they told me that it was an error and released my transcripts. 
It seems to me that Williams and Fudge has tried to add to the balance of a debt they bought from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Debt collection (Credit card) with Receivables Performance Management, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have disputed a debt within 30 days of receipt of my initial notice ; however, the company still reported 2 months later to credit agencies. As a result they have damaged my credit and my reputation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: I was current with my mortgage to Wells Fargo. The next payment was due XX/XX/XXXX. On XX/XX/XXXX I called Wells Fargo and told I was in Default and had not made a payment sinceXX/XX/XXXX. I have until XX/XX/XXXX to pay Wells Fargo XXXX or I will be Forclosed on. I have owned my home sinceXX/XX/XXXX. My mortgage statement shows that I am current with no late payments due.

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 07/27/2015 about Consumer Loan (Vehicle loan) with STATE FARM BANK, FSB (AZ).
Issue: Managing the loan or lease

Complaint: Paid off a vehicle load in XXXX and it still shows up as if it is not paid off in the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , REPORT IN MY CREDIT FILE AN ACCOUNT NUMBER  XXXX  NOT BELONG OR AUTHORIZED OR SIGNED BY ME, I CALL THE COMPANY, AND TELL THAT ACCOUNT WAS PAID IN FULL, WITH NO BALANCE, BUT MY CREDIT REPORT SHOWS  XXXX  IN CURRENT BALANCE, AFFECTING MY CREDIT & EMPIRICAL SCORE.

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