milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I 'm XXXX now and I 'm trying to get my free credit report and I keep getting my information does n't match my record?

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 08/18/2016 about Consumer Loan (Vehicle loan) with U.S. BANCORP (IL).
Issue: Managing the loan or lease

Complaint: My car loan with US Bank is on auto-pay from my checking account. While I do not write a check, US Bank requires that my bank send them a check, which they do monthly without exception. In 2015 US Bank received a check and entered an account number on the face of the check. That account number was incorrect. As a result, that payment did not post in time. I manually made a second payment to ensure that the account was up to date. The payment was flagged as late and US Bank charged me a late fee. My bank contacted US Bank, explained the error and the fee was waived. Temporarily. The fee was later reinstated and now US Bank is charging a fee on top of the late fee every month until the late fee is paid. The account continues to be on auto-pay and principal and interest in full are paid on time each month. This unfair fee is up to {$110.00} as of today 's date. All of this as a result of US Bank 's own error. I have contacted them and explained the circumstances to them for which their call center employees have no response other than they will look into and call me back. They never have. I would like this fee waived as it was the fault of US Bank and auto-payments have been made on time without exception from the inception of the loan.

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 03/22/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (TX).
Issue: Account opening, closing, or management

Complaint: My account has been permanently limited ( closed, for all intents & purposes ) by PayPal for an ex post facto rules violation. They state that they will send me information on how to withdraw my account balance in 180 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/18/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: APR or interest rate

Complaint: I have a plan of payment with the American express that I will pay them $ XXXX/month until m y balance is fully paid with an interest rate of 9.9 %. my credit card is closed. this billing period of XXXX/XXXX/XXXX to XXXX/XXXX/XXXX they increased my interest rates to XXXX %. I am seeking your office help to compel the American express to honor the agreement. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Bank account or service (Checking account) with PNC Bank N.A. (DE).
Issue: Account opening, closing, or management

Complaint: I have had a checking and savings account with PNC bank for 6-1/2 years. On XX/XX/XXXX, my husband went into a local branch with me and had his name added to both accounts. On XX/XX/XXXX my husband received 2 letters, both dated XX/XX/XXXX from PNC bank stating that both the checking & savings accounts would be closed on XX/XX/XXXX and that my debit card would no longer work after XX/XX/XXXX. NO REASON WAS GIVEN. I called the branch & spoke to the young lady who added my husband 's name to the accounts. She said she did n't know why this was happening but she agreed to call corporate to get an explanation. The following day she called to say that she was given no reason and that there was nothing I could do to stop the accounts from being closed. Then I called corporate and asked why the accounts were being closed. I was simply told that PNC bank had elected not to continue its relationship with my husband - NO REASON WAS GIVEN. On XX/XX/XXXX, I closed out both accounts and will never again do business with PNC bank.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Credit reporting () with AllianceOne Recievables Management (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have several accounts that do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint: File Number XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX : File Number XXXX The inquirys was not authorized to be put back on my credit report here 's the reason why, Not too long ago TransUnion had a server error, where the company had deleted a ton of inquiries from consumer credit reports, then proceeded to reinsert those inquiries BACK to the consumer credit reports! Now, here 's the deal, TransUnion failed to follow the LEGAL procedure to actually do so PLEASE REMOVE FROM CREDIT REPORT 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 non-monetary relief
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have disputed this account with XXXX and received response the account was verified. XXXX  has also refused to reinvestigate my account unless I provide new supporting documentation. I do not have any documentation because the account is inaccurate. I have reached out to the third party source XXXX and the agent states they use a third party verification via XXXX. I have also spoke with the courts who do not have any account information and states they do not verify information via credit bureaus or anyone for that matter. I am going to have my attorney have them sign a document stating that the account is not mine and that they did not verify this information with any of the credit bureaus. I am requesting documents bearing my signature showing that I have legally binding contractual obligation to this account and the method of verification. Any automated or XXXX verification is unacceptable. Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report. CC : XXXX, Equifax & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My CHAPTER XXXX BANKRUPTCY was discharged XXXX/XXXX/XXXX and it was incorrectly reported on my status as a new bankruptcy. Payments were made monthly for 5 years through a trustee. Delinquent accounts were reported for : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. These accounts were not delinquent as court ordered payments were made monthly from XXXX XXXX until XXXX XXXX. I do not have a new Bankruptcy. My XXXX and only bankruptcy is closed. I filed XXXX XXXX, XXXX, date case closed XXXX/XXXX/XXXX, date discharged XXXX/XXXX/XXXX. This mistake has cost me dearly on home and auto insurance. I have tried repeatedly to get this corrected.

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 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LENDING CLUB CORP (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the Lending Club Corp Loan account .Ive Been trying to verify this account for four months from XX/XX/XXXX -XX/XX/XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
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: On or about XX/XX/XXXX, I sent notice to Equifax Information Services, LLC and advised them of an item reported by XXXX XXXX XXXX. I also advised them that XXXX XXXX did not send me a HIPAA release that releases my medical information to them which definitely violates my HIPAA rights. I asked Equifax Information Services, LLC to delete this item within the required time stated by law. Within the allotted time Equifax Information Services sent me a response saying the account was verified. I then sent Equifax another letter on or about XX/XX/XXXX advising Equifax to send me a  description of the procedure used to determine the accuracy and completeness of the information requested including name, address, telephone number of each person contacted regarding this alleged account and my signature showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Again Equifax failed to do so. They simply responded the account was verified. A third time I sent a letter of final communication concerning the inaccurate entry being reported under XXXX XXXX XXXX, but yet again they failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX substantiating their claims. Furthermore Equifax failed to send me their method verification, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). I advised them that I would be filing a complaint and if they should decide to correct their records and remove the negative false item in question to contact me. Again Equifax sent a letter saying the account was verified with no proof. Therefore I am officially filing a complaint against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I had requested to be taken off the auto-dialing system, to which the company complied. My account is currently in collections due to financial hardship and they continuously call me during work hours and even on Sundays. I have requested multiple times to not call during the hours of XXXX - XXXX Monday through Friday and no calls on Sunday. They state they have " noted the file '' but I keep receiving calls during these requested no call times. When I address it with the worker and/or their supervisor, they 're response is always : " our system is not capable of not making calls regardless of the customers request. '' Which I find odd if I am no longer on an auto dial system, the person manually calling me should see the " notation '' that states not to call during these hours. 

When I present this ongoing issue to workers and their supervisors, their response is always as follows : " Sir, you have stated you can not talk during these hours yet you pick up to the phone to tell us that you can not talk. In this amount of time we could have resolved your issue. '' I explain to them that I am at work and can not discuss my account during these hours and they continuously harass me stating that I am clearly able to discuss my account if I have the time to call and complain. 

They seem to be violating my requests to not call during certain times and I am suspicious as to if my request for being removed from the auto dialing system has even been completed. 

Navient employees are quick to say that my account is past due and I need to pay a certain amount to bring it current, yet whenever I look at my account online, there are different amounts listed as to what would be needed to bring it current. This is misleading information. I have never been able to have Navient confirm what exact amount is owed or when my billing cycle generates. An employee on XX/XX/2017 informed me I could make a payment of {$100.00} to bring my account current, yet today on XX/XX/2017 the employee stated I needed to pay {$130.00} This is becoming a headache and seems very unethical in their collection practices. I am constantly being presented with rude workers who do not want to help resolve the issue, instead want to harass. I have asked " supervisors '' multiple times to review the recorded phone calls to see how their employees treat customers and they state they will, but I doubt they ever do. If they were to listen to my phone calls, they would see how the employees are not there to help but to ridicule and demean those who may not be able to pay at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Federal Student Loan borrowers are unable to deduct student loan interest they paid during the year if they make more than {$80000.00} per year. This rule should be reconsidered ; federal student loan interest should be able to be deducted no matter what one 's income, especially if one lives in a city with a high cost of living, is single and works in public service. High federal student loan interest rates create a burden on borrowers ; a tax deduction would ease some of this financial burden and allow borrowers to save for their futures.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Debt collection (I do not know) with CONTRACT CALLERS INC (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Numerous calls ( more than XXXX ) to my cell phone in less than 2 weeks. Caller does not leave a message and does not answer when I have picked up the call. 

Internet research lists this number for a debt collection agency Contract Callers , Inc. of XXXX, Georgia XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 07/25/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from a law firm stating that I was a defendant in a law suit in XXXX XXXX XXXX XXXX, and the debt collector was Asset Acceptance , LLC. Knowing that they had the wrong person, I contacted the law firm. The woman at the law firm determined that the name matched but that it was not my social security number. She said to write a letter to the court explaining that and that they should dismiss it on XXXX, but they filed a motion to proceed on XXXX. The person at the law office said that it was a name match. They somehow have my name and address, but I have NEVER ignored any letter or invoice that I have received in my life. They somehow got my name and address and attached it to the person who owed a debt. I do not who the creditor is. All of this has happened so fast that I am in a bind. The hearing is on XXXX at XXXX. How do I find out who is behind this and how to proceed?? I am XXXX and on a fixed income. I have perfect credit and do not want it or my reputation destroyed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
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: I have attempted on several occasions to get the problems resolved that are reporting on my Credit Report! Someone opened several accounts in my name as I was in XXXX and had no idea these accounts were open. Most of the accounts have been taken off my report however there are still a few that are impacting my score! This is awful again because these are not my accounts and I have even submitted an identity theft report! Please remove these accounts off my report because they do not belong to me and I have no knowledge of these accounts! Please help me to move on past this awful situation! The accounts that are still reporting are XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help to remove these untrue accounts on my report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: These accounts have been consolidated in XX/XX/2014. At no time was I contacted in writing by XXXX XXXX XXXX XXXX XXXX about my multiple accounts being delinquent or sent to collections. XXXX is currently reporting this as a collection account. This is not only inaccurate, but it is placing my military clearance in jeopardy. 

XXXX XXXX XXXX is reporting multiple accounts as 120 days past due, all having a XXXX   balance, and all in excess of 7 years old. At no time, have I ever had any written correspondence from XXXX XXXX XXXX indicating I had past due loans. I did not even know I had loans with XXXX XXXX XXXX. 

XXXX XXXX is also reporting that I had student loan accounts with them in excess of 120 days past due, many of which are greater than 7 years old. At no time did I ever had any written correspondence from XXXX XXXX indicating I had past due loans. 

Another student loan creditor, XXXX XXXX  XXXX, is also reporting multiple loans as 120 days past due and these loans are older than 10 years. 

The United States XXXX  XXXX XXXX is also reporting 14 old student loan accounts as payment after charge off/collection. Most of those loans, if not all, are in excess of 7 years old.

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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: recently learning recently about Transunion computer glitches they experienced this year and last year I called Transunion to explain to them that I was aware of the glitches they had in there system that caused inquires to be deleted and added back on to my report in doing so I was never informed by mail or phone that they would be added back onto my report illegally without my knowledge. All in all this misfortunate was not my fault. Transunion told me it was nothing they could do about this knowing that it was there fault they even mention knowing they had glitches but the inquires had to be added back. These inquires added a hardship and as a citizen my rights were violated by Transunion. I 'm writing in hope that you can make Transunion stop victimizing me. I ask that as a resolution that all my inquires be deleted from Transunion permanently as a violation took place illegally.

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 08/20/2016 about Debt collection (Medical) with AmeriCollect (PA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Calling leaving messages asking can i pay this debt, i honestly thought my insurance covered this matter i was supposed to have insurance through the marketplace XXXX but they said my insurance did n't go through. I was paying my insurance but they said my information was n't complete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX has a fraudulent account listed against my credit file with the credit bureaus. The account they have listed against me was opened as a result of identity theft, where my correct personal information was used to open a utility account in my name fraudulently. This account is however not under my social security number, yet it is still listed on my credit file. I have contacted XXXX XXXX to make them aware that this was a fraudulent account and was yelled and screamed at by one of their agents, and they refused to remove the account from my credit files. I have never done business with XXXX XXXX, the person who placed this account with Convergent, nor have I done business with XXXX XXXX. This account is 100 % fraudulent and Convergent has refused to cooperate in having this fraudulent account removed from my credit file and continue to attempt to collect on a debt they have been made keenly aware is fraudulent.

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