milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: In XXXX I got a copy of my credit report and paid off each item listed. I received another report last month XXXX. Listed on the new report is a debt from XXXX. TransUnion says its verified and will not remove it. The reporting agency, XXXX XXXX XXXX confirmed it was a debt from XXXX that they bought in XXXX. They also stated they sent notices to my old address which I never received.

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 03/28/2017 about Credit reporting () with SUNTRUST BANKS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed a previous complaint with CFPB about my Suntrust Equity Line being refinanced due to hardship. They did complete the hardship refinance to my satisfaction due to the pressure from your organization. Thank you. However, they reported to the credit reporting agencies I had been late 30 days on my loan which is the not the case. I had called Suntrust several times to see why the refinance was taking so long and was told " it was a sensitive subject ''. I was instructed " not to pay one the old loan '' until the new terms were worked out or I would be paying on the old loan and it would not be reflected in the new loan. I followed the advice of Suntrust and did as I was told. As soon as the new refinance terms took place, I made a payment and have not missed a payment. I feel that Suntrust reporting a late payment to the reporting agencies is unfair and false. Suntrust told me not to pay on the old loan which I followed. Reporting a late payment is disingenuous when they took " a lengthy time to rework the loan because it was a sensitive subject. '' I am now trying to refinance the loan to get away from Suntrust and their reporting is hurting my credit score in getting a new credit line. I want the " late status taken off my credit report as this account has always been in good standing for over 10 years until the payment ballooned and was unreasonable for me to handle. I worked it through Suntrust to get fair treatment. Reporting a late payment that was their fault in the length of time in handling my refinance was not my fault. I would like this changed on my credit reports. Thank you.

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 10/24/2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (TX).
Issue: Deposits and withdrawals

Complaint: Someone within Navy Federal Credit Union has been allowing unauthorized individuals to access my personal accounts. These persons have no judgments or liens but persisted to access my account within their security department. This has harmed my credit worthiness and it also almost put a strain on my finances as the individuals in the " back office '' as they call it were pretending to be my account manager and disabling my accounts, manipulating transactions so they take out funds too soon, or not soon enough. Sometimes even posting transactions days later or posting {$1.00} transactions when it really is a {$40.00} transaction. They even teamed up with XXXX XXXX after XXXX XXXX withdrew {$2000.00} without my consent and without my authorization to my mothers account whom I was n't a signer on and neither was she a signer on my accounts. This caused a huge banking error that took two months to clear up at which time the funds were finally placed in the Navy Federal account. Navy Federal has never been as traditional banks and do these types of deceptive business banking practices which leads me to believe that their security team has been breached and my credit and account information was being compromised. They refused to allow me to place funds in my account via mobile banking when it was very imperative that I deposit these funds. They allowed a fraudulent garnishment to be placed on my account for a year before the company requested them to remove it. Navy Federal has failed to be an adequate bank as I have had the account since 2002. This bank seems predatory and unfair in their business practices. I requested the name of the person who claimed to be " my account manager '' as they put it, and placed a permanent no mobile deposit on this account, all because of XXXX error. This bank allowed security breaches and at times I felt I was speaking to people who had criminal records. They mysteriously claimed to check my credit and no judgement was there yet a garnishment mysteriously showed up on my account at which time as stated before it was removed. They claimed also that I had a money market account that charged off with a XXXX balance and for no reason. I believe they were doing what XXXX XXXX was doing and XXXX XXXX. Conducting fraudulence while not letting me utilize my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Credit reporting () with EQUIFAX, INC. (HI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Recently I disputed item XXXX with Equifax. They verified it as accurate, which I found very hard to believe. Pursuant to the Federal FCRA, I invoked my rights to understand how they investigated this incorrect item. Equifax failed to respond to this lawful request.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Mortgage (VA mortgage) with NETWORK CAPITAL FUNDING CORP (FL).
Issue: Settlement process and costs

Complaint: I Refi 'd XXXX loans XXXXVA, XXXXFHA with Network Capital Funding after closing the funds ststed in the signed DOCs the funds were not distributed as Pre closing docs.. I was told they adjusted the fees and other Items after signing that was not in the closing DOCuments. Se Attachment for details. 
In addition rate discount fees were added from the original GFE, which at the time I did not catch at signing

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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 sent multiple letters to XXXX National Consumer Assistance Department TransUnion Consumer Relations, and XXXX Credit Information Services about multiple unknown collection accounts that have been reported on all three credit reports. <P/>XXXX National Consumer Assistance Dates : Certified Letters : XX/XX/XXXX,XX/XX/XXXX. Online disputes : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and unverified ), XXXX XXXX XXXX ( XXXX {$450.00} closed unverified ), XXXX XXXX XXXX (XX/XX/XXXX {$1100.00} closed unverified ) TransUnion Consumer Relations Dates : Certified Letter :XX/XX/XXXX. Online Disputes :XX/XX/XXXX, XX/XX/XXXX. Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and still unverified ), XXXX XXXX XXXX ( XXXX {$450.00} open unverified ), XXXX XXXX XXXX (XX/XX/XXXX XXXX {$1100.00} open unverified ) XXXX Credit Information Services Dates : Certified Letter : XX/XX/XXXX. Online Disputes : XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.  Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and unverified ), XXXX XXXX XXXX ( XXXX {$450.00} closed unverified ), XXXX XXXX ( {$24.00} closed unverified ),XX/XX/XXXX ( {$160.00} closed unverified ), XXXX XX/XX/XXXX ( {$50.00} closed unverified ) These companies, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amounts listed above with Transunion, XX/XX/XXXX, & XX/XX/XXXX credit reporting agencies. I requested verification of the debt and account however the business and credit reporting agencies have failed to provide adequate proof. Instead of deleting these accounts ; they have been closed and remained open with derogatory remarks on my credit file which has caused not only stress but slowed down the process of buying my first home. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Equifax has a previous address listed as my current address, and my current address listed as a previous address. Attempted to file a dispute online to correct address information, but the system could not confirm my identity. Attempted to call, but have only gotten the automated answering system, which connects to a busy dial tone ( not even put on hold ) when I attempt to speak with an actual agent. Because I can not contact Equifax to correct my current address, I am unable to get identity theft protection, because the identity theft protection company can not verify my identity while one of the three credit bureaus is reporting a current address that is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2015 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Delinquent account

Complaint: In XXXX a holiday purchase while travelling in XXXX was made in the amount of {$420.00} using XXXX Chase VISA. The amount plus applicable interest charges were paid in full via a telephone transaction handled by a Chase Specialist. The next billing cycle, I was charged additional interest & late fees. I called to complain since the payment was paid in full. According to the Chase Specialist, the additional interest would be waived & late fees reversed. The next billing cycle, the late fee reversal posted but the additional interest in the amount of {$6.00} was not waived. In fact, it showed as past due and additional interest in the amount of {$.00} accrued. Once again, I called to complain. This time the Chase Specialist was apologetic and advised that the Agent who processed my payment in full erred. She should have told me that she was unable to provide a Pay in Full Amount since interest is calculated the following day automatically by a computer system. I had enough. I asked whether this fiasco was impacting my credit. She said not at the time but strongly advised that the now {$7.00} be paid immediately. I proceeded to pay. Well, several months later, Chase reported the account XXXX late for {$7.00} to all XXXX repositories negatively impacting my credit. My efforts to amicably resolve this issue with Chase has been to no avail. All of the Chase Specialists state that they agree with my position but do not have the authority to resolve the issue. The matter can only be handled by a Manager in a Special Collections/Credit Section. Each time, different Manager ( s ) state in a defiant tone that the matter is closed and I need to wait 7 years for it to drop off.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Debt collection (I do not know) with Financial Management Solutions (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I disputed this claim in 45 days ago regarding this debt. It was never validated never given proof of debt or were it came from. I placed fraud alert on my account a month ago. They have put inquiries on my report that were n't authorize. I would like this company to validate their claims of debt. I have no paperwork from this collection nothing. The amount is for XXXX. I submitted a complaint to BBB XX/XX/2017 also.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Hunter Warfield, Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: HI!, I payed HUNTER WARFIELD in full four months ago. they only increased my credit 100 points. it is supposed to go up 200 points. 
they need to increase my credit another 100 points.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2015 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX is reporting a foreclosed XXXX mortgage to my credit report with inaccurate dates. They are intentionally leaving this as an open debt to protect me from me from being able to purchase another home. I am unaware of who this company is and lost the property they are referring to in XXXX when I went through a divorce. This is now an unsecured debt. They are erroneously reporting the date of last activity in XXXX. This company has not received any payments from me since XXXX. The account should be in " collections '' instead of an activity account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: I have tried to get an increase for a credit limit with Capital One Credit Card. I applied and was denied due as they claim that I had too many inquiries with XXXX. I had checked my credit reports with XXXX and XXXX since I know these are the two agencies that Capital One uses. Therefore, when I got this letter back stating this fact I immediately call XXXX to inquire about this information that I had just got back from Capital One stating that I had too many inquiries on my report. The XXXX CSR stated that they did not see any inquiries at the time on my report to state what Capital One had sent me. I then called Capital One back they gave me the runaround and even asked for a copy of that XXXX  report they refused to send me anything. But of course, this was upsetting because now as a consumer I did not know who was lying. Was it XXXX or Capital One that lying to me, but on XXXX, I could clearly see for myself there were no inquiries on my report which lead me to believe that it was Capital One who was given false information to me. Even one of the Capital One CSR ask me if my letter said XXXX, I told her no It says XXXX. True enough if they would have said due to late payments I would have been okay, but to say because there are too many inquiries is not going to get it with me. I have gone as far as seeking an attorney and they were still uncooperative them. 
I would greatly appreciate it if someone could look into this for me please and let me know as a consumer what I may need to do.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Debt collection (Medical debt) with Merchants' Credit Guide Company (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I spoke with the hospital billing department concerning this 4 year old bill. 
They informed me that the bill was paid. They had problems with the insurance company as hospitals do in collecting payments from the insurance company. So merchants credit is willfully and wrongly reporting incorrect and damaging information to my credit report. Please take the necessary steps and fine merchants credit and compensate me for damages done to my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: XX/XX/XXXX - approved for Income based repayment -- payment is much lower than I 've ever paid, but my family size and income have remained the same XX/XX/XXXX - called to make sure IBR payment amount is correct ; account rep said my family size was incorrectly input as 6. Account rep says I need to resubmit my IBR application with correct family size.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: As an XXXX who has used credit in the past, I was more than likely part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX XXXX or TransUnion in the first place. XXXX should make credit freezes and unfreezes free federally, and through a central service that applies the freeze throughout the ecosystem rather than requiring consumers to waste time contacting each individual agency. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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 08/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Platinum Holdings Group, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: World Wide Recovery is harassing me to pay a debt that happened in 2006.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Bank account or service (Checking account) with BANCO POPULAR DE PUERTO RICO (TX).
Issue: Problems caused by my funds being low

Complaint: My father, XXXX XXXX passed away a year ago in XXXX XXXX. My sister XXXX XXXX was his care taker and had guardianship over my fathers affairs both financial and medical. Banco Popular, where my father maintained his account has refused to release the remaining funds to my sister. What are our options? My sister is single and makes minimum wage and could use the funds to help to support herself and her children. Who can we contact? 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 04/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Attempting to collect a debt for an apartment complex for an NSF check which was paid. All the rent for the entire lease was paid in full before I moved out. A year later, I receive a letter from the debt collector about the NSF. I sent documented information  3  weeks ago of all payments made and now they are asking me to send it again. They also advised me to email it and now they 're saying they did n't receive that either. Today when I called they said they are waiting for documentation from the apt complex  regarding my dispute. Should n't they have received all the documentation they needed   before charging me with an unpaid debt and placing that on my credit report.   The initial letter was dated  XXXX / XXXX /   17  ; it stated that I had 30 days to contact them or they would consider the debt valid. I contacted them and registered the dispute before those 30 days were up and sent them the information. Collection is listed as  XXXX / XXXX / 17  on my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-07-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (PA).
Issue: Problems caused by my funds being low

Complaint: XXXX XXXX has mark me down for fraud or account abuse. I have n't committed any of that of my account. I took out a pay day loan and had it linked to my bank account at the time, I called the pay day loan services and asked them not to take money out of that account because it would n't be enough in there ( since I lost my job ) they refused. I passed that information on with XXXX XXXX, who informed me they would put a stop payment with the pay day services and they never did, which continued to allow the pay day service to debit the amount I owed, and the payment would come back returned leaving me with fees. I called XXXX XXXX every day for a week back in 2011, and they refused to fix the problem. I never committed fraud or account abuse with my account. XXXX XXXX refused to prevent the matter from escalating leaving me to pay fees that I could n't afford. 

XXXX XXXX has also written me off with the same thing. ATM abuse. When I lived in Idaho my identity as well as my girlfriends XXXX XXXX, was stolen. We wrote a report for the person who police already had in custody at the time but they refused to look further into the matter since he 's in jail. The police were also XXXX. And I 'm not saying that for pity or playing the race card, they were truly XXXX. Against my sexual orentation and my skin color, my girlfriends as well. I know this because they said it to my face. I requested XXXX XXXX to remove the account entirely due to fraud and they want me to submit a police report. I live in XXXX now. Since the bank is in the west coast the police in XXXX ca n't do anything about it. I 'd have to go back to Idaho. I called Idaho to get the police report number but they do n't have anything on file. I want that account removed. 

TD bank, a similar situation. My TD bank account was never comprised. My XXXX bank account was which was linked to my TD account. My cousins son XXXX XXXX, who is currently in custody for identity theft hi jacked my XXXX account and would make transfers from my TD bank in my XXXX and with draw the money. At the time I did n't really pay attention to any bank because I knew there was no money in either. I was n't big on online banking, but I kept getting mail saying I owe outrageous amounts of money. TD bank, I owed them prior and paid off my account so when I seen that I still owed them I did a little research and put two and two together.

Company response to consumer: Closed with explanation