milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent certified mail to transunion requesting them to respond to my METHOD OF VERIFICATION FORM. I will attach a copy of the method of verification form. Transunion did not verify any of the accounts I have disputed but sent me results saying either they " UPDATED, NEW INFORMATION '' well if there is new information who did you verbally talk to too get this new information? No documentation was mailed to me explaining who transunion contacted. XXXX is not the form of verification that I requested by law transunion has to honor my method of verification request and they have not done so. This is a copy of what the results look like : Investigation Results Current File File Number XXXX Report Date XXXX/XXXX/2016 Dispute Open Date XXXX/XXXX/2016 Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, OH XXXX Completion Date XXXX/XXXX/2016 Account information ITEM DESCRIPTION RESULTS XXXX # XXXX NEW INFORMATION XXXX # XXXX NEW INFORMATION XXXX # XXXX DELETED XXXX # XXXX NEW INFORMATION XXXX # XXXX NEW INFORMATION XXXX # XXXX NEW INFORMATION XXXX XXXX XXXX # XXXX NEW INFORMATION XXXX XXXX XXXX XXXX # XXXX NEW INFORMATION XXXX XXXX XXXX XXXX # XXXX NEW INFORMATION XXXX # XXXX XXXX INFORMATION XXXX XXXX # XXXX DELETED XXXX XXXX # XXXX NEW INFORMATION XXXX # XXXX NEW INFORMATION XXXX XXXX # XXXX NEW INFORMATION XXXX # XXXX NEW INFORMATION XXXX XXXX XXXX XXXX XXXX NEW INFORMATION When you see the method of verification form you will see why I am filing this last complaint before seeking legal action. This is my LAST attempt to resolve these issues. XXXX now do not even return calls so I know they was n't verified. XXXX and XXXX sent me fraud forms to fill out which I sent back already. XXXX and XXXX have not provided me with documentation with my signature on there as well so how is it that transunion have all this new information?????? I have contacted an attorney who is on standby until this last attempt is done. method of verification per FCRA Section 611 ( a ) ( 7 ) is what I requested.

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 10/14/2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have asked the attorney XXXX XXXX XXXX XXXX XXXX IL XXXX phone XXXX Fax XXXX email : XXXXXXXXXXXX and BSI Financial but they are not willing to consider me even theough property at XXXX XXXX XXXX , IL XXXX is subject to treasury modification for any kind of plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: In response to the recent XXXX security breach of 143 million customer records, I tried to take some precautionary steps by filing a 90 fraud alert with Transunion. Unfortunately, this process did not go smoothly. 

-First, a minor note : I usually try to use passwords that are 20-30 characters long to ensure maximum password entropy. They wo n't allow that, but also wo n't tell you " what '' the maximum is. I eventually got down to 10 before it went through. This is laughable security for a company that is supposed to be handling sensitive financial data. 

-Second : After answering a bunch of verification questions, it somehow was n't able to verify who I am, and told me to call. 

I called Transunion, navigated their daunting phone tree, and finally got to the point where I could setup a fraud alert that way. Unfortunately, what came next is where my complaint begins. In order to take reasonable security measures for something that is essentially THEIR fault, due to their shoddy data security practices ( see my first note as an example ), They force you to listen to a sales pitch. It 's a sales pitch for their overpriced monitoring services, which I have no need for. Furthermore, when you decline, it keeps going! It goes " are you sure? '' -- and then proceeds to give you another 2 minute long sales pitch that 's even more long winded and aggressive. I almost hung up on them, but then I 'd have to start all over later on. 

This is, quite frankly, appalling. Let me summarize. 

1. Credit reporting agencies drop the ball on data security.
2. Try to take precautions to protect your data and financial security 3. Forced to listen to not one, but two sales pitches before you can actually continue, for overpriced services that you can get from any card company that you do business with, for free.
This preys on the financially uninformed and those who are panicking due to a huge data breach. I imagine a lot of individuals would blindly sign up for this and then get billed monthly for something they do n't really need. Finally, it 's just inappropriate given the circumstances. It completely sets the wrong tone. 

Finally, I called Transunion back a few minutes later and spoke with a supervisor to issue a complaint and verify the alert was actually in place. He did verify it, but then tried to start a similar sales pitch near the end of the call! Absolutely ridiculous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Asked for Validation Letter not Verification. Never received validation that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX has two accounts on my credit report that should not be there. The first one is a credit card account number XXXX showing an opening date of XX/XX/XXXX. The second is an Auto Loan account number XXXX opened on XX/XX/XXXX. Each month different information appears on my report. I disputed the item and it was removed and then reappeared on my report. I wish to resolve this issue as quickly as possible by having this fraudulent information removed from 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 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I found a creditor on my credit report that was paid. I submitted a BILL and then the RECEIPT to the claim. It not only took over 30 days I contacted them via email and phone calls pointing out they exceeded the 30 days + since I provided the necessary information there was NO reason to not close this case. While I was forced to download - or upload additional information my personal information was breached! I want this paid account removed from my credit file. Exquifax allowed hackers to get my personal information while they delayed resolving my issue with a paid receipt! NONE of this should have happened. Since this I have had to switch phone carriers - close bank account- email is constantly attempted hacking - someone is after my GOOD credit - all because of exquifax - this issue was removed by XXXX once I provided information but not with exquifax, they delayed this beyond 90 + days! Then decided with creditor - during which they allowed my credit file to be breached! The radiologist payment - thru insurance went thru the XXXX XXXX AND right after they say I owe money XXXX XXXX AFTER I paid what the radiologist said I owed sent me a refund of almost {$500.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Debt collection (Medical debt) with AmeriCollect (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was hospitalized with XXXX ( XXXX XXXX XXXX ). While at the hospital, doctors ordered a XXXX  with XXXX. The XXXX XXXX billed me for the charges. I contacted them as well as my Health Insurance company, XXXX. XXXX rep told me that these additional charges are not valid and they have responded to the provider. The provider instead sent it for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Closing/Cancelling account

Complaint: I apply for a credit card in XX/XX/XXXX with Synchrony Bank and was told in a letter that I was approved. I have used the card on and off and always made on time payments, I pay off my card and as soon as I paid off my card they sent me a letter on XX/XX/XXXX stated that they were closing my account due to the things that were on my credit. However, when they pulled my credit it was where it needs to be to get approve, four months later they telling me that they are closing my account due to the things on my credit. I really think they closed my account because I paid off my balance and stopped using it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (Medical debt) with The Law Offices of Mitchell D. Bluhm & Associates (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was admitted to the Emergency Room at XXXX XXXX in Ohio while on XXXX XXXX orders. This was ordered by my XXXX. My human resource XXXX submitted the documentation to bill XXXX. The hospital said that they XXXX has denied claim. XXXX says it was never billed. I have hounded by collection agents, had my credit score negatively impacted, and ca n't get a higher security clearance which prevents me from getting a better job. I have spent literally dozens of hours on the phone and email over the past 20 months and emailed my congressman. All to no avail. I have all the documentation to support my claims. 

Collections have been placed though XXXX XXXX XXXX XXXX, law offices of XXXX, and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NRA Group, LLC (MN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX/XXXX/XXXX I had my bureau information pulled to complete a motorcycle loan. They informed me of a collection account that was added to my XXXX bureau XX/XX/XXXX. On Monday XXXX/XXXX/XXXX I pulled my Free Credit bureau from XXXX and noted that I did have a new unpaid collection from XX/XX/XXXX on my bureau from National Recovery. I needed to get this collection account removed in order to get the best rate on my motorcycle loan. I called the number listed on the collection and they were not able to find a collection in my name. They informed me to contact XXXX to obtain the full account number. I contacted XXXX and entered a formal dispute for this item and indicated I had not received any written notice and I obtained my account number. I called back to the National Recovery unit and offered to pay the collection if they could immediately send me confirmation via Fax or Email that I had paid the debt. They indicated they would not be able to send me confirmation of debt payment immediately and I would instead need to send them a self-addressed stamped envelope to receive a receipt of payment. My account number for the collection was XXXX and my confirmation of payment is XXXX. These practices cause consumer harm. Not having received written notice does not give the consumer the opportunity to dispute a collection prior to it showing up on a credit bureau and then not allowing customers to immediate proof of payment on a collection can result in them having a higher interest rate on loans. A consumer has the most rights to their own information and with today 's technology collection agencies should be required to provide an immediate receipt to customers. National Recovery should be investigated for violations of the Fair Credit Reporting Act for not sending out a written notice prior to entering a collection account on my credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Checking or savings account (Checking account) with ZIONS BANCORPORATION (UT).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Toward the end of XXXX I received a letter from my mortgage company stating that my escrow changed and my payment is lower. I then went to my online banking and the bill-pay page. When I pulled up the automatic bill-pay for this payment, my options were " change '' or " delete ''. I clicked change then changed the amount and the date that it would go out on. The original being XXXX on the XXXX of the month, to XXXX on the XXXX. A week later when I checked my account, it was over XXXX  negative because Zions had sent both payments. I immediately called the bank who said that I had created a new bill-pay payment and that I would have to contact the mortgage company and request a refund. Being divorced almost a year ago, my name is not on the mortgage, only my ex-husband 's name is on it. Needless to say, the mortgage company would not return my phone calls. I asked my ex-husband to call for me. He did for XXXX weeks, with no return calls. He emailed them and they finally replied stating that because it was an automatic bill-pay they would not refund the amount and that the bank would have to request the money back. Well, the mortgage company would not return Zions ' calls either. After these XXXX weeks it became clear that I was not going to get my money back so I went back online and deleted the bill-pay and the payee all together so that they would not send another payment in XXXX. But on XXXX XXXX, I was checking my bank account and found that Zions had sent another payment anyway! Even after I had deleted the bill-pay and the payee. Zions admitted that the bill-pay was cancelled but would not say when and they are unwilling to give me the money and all of the fees that they have charged me over both of these instances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Debt collection (Medical) with RSI Enterprises, Inc. (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There are a couple items listed on my credit file which are unknown, several times I have disputed with no response. Please help assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (WV).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I had a credit card debt with bank of America, this debt was written off on XXXX/XXXX/2009, somehow a XXXX Ohio got the debt, they took me to court and got a judgement even though I sent all paperwork back, including a copy of my ssXXXX, now they send a XXXX XXXX police officer to my home threatening to sell items from my home, my bank account, car. claiming I owe XXXX which is mainly court cost and paperwork, interest, how can there be interest on a debt that was written off 7 years ago per bank of America .harassment from this law firm has gone on now 4 years.

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 04/21/2015 about Credit card () with DISCOVER BANK (OH).
Issue: Delinquent account

Complaint: Discover is reporting to my XXXX report that it was settled for less than agreed. Discover was very aggressive in collecting on this account. I told them I would pay it off for the agreed amount if they agreed not to report it to my bureau. They agreed and we proceeded. I 've recently learned that it was only charged off by around XXXX dollars. I offered to pay that off in full and they said they 'd take the money but not remove it. I feel this was a deceptive practice and they 're not willing to make it right. They 're also unwilling to work with me on paying off the former charge off. I honestly do n't understand why they would n't want my money at this point. I 'm attempting to repair past wrongs and they were very rude about it when I called.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Debt collection (Medical) with Rocky Mountain Service Bureau, Inc (WY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been making payments to the hospital of XXXX XXXX for a couple of years. When they sent me to collections. I have since paid the hospital in full, however the collection agency in now sueing me for interest and court costs. Going to court XXXX/XXXX/2015 at XXXX.

Company response to consumer: Closed
Consumer complaint received 02-10-2017 about Mortgage (FHA mortgage) with ROWLETT MORTGAGE LENDING, LTD (TX).
Issue: Application, originator, mortgage broker

Complaint: I was in the process of getting a home loan and was referred to this loan officer by my realtor. The loan office went missing in action many times when we were dealing with time sensitive issues. I was given excuse after excuse for why we were left in the dark. She gave me multiple dates to show up at closing when my file I found out was not even out of underwriting. I understand closing dates getting pushed back but not when we are told to show up at closing multiple times with no result. I was told a certain amount would be charged to my debit card for appraisal and I was charged {$65.00} more than I consented and was not given an explanation. She had me pay for a rush appraisal to close on time and it was not needed because we were never gon na close on the date she said. The real reason for the complaint is the lack of communication and us almost losing our home loan. When I gave the company a bad review XXXX XXXX ( the loan officer ) sent me the nastiest text message and threatened to pull our loan if I did not take down the review. I contacted her boss immediately and she was so embarrassed. After I sent her boss the txt messages she told me that was the most unethical thing she has ever seen and was very sorry. XXXX, the owner of Rowlett Mortgage then took over my loan and took care of us. XXXX also made it right on the charges that should not have been on my debt card so kuddos to the owner of this company. I felt attacked in her txt message and she was using all my personal info that she had collected for my loan to attack me. She talked about my finances and my divorce and this is someone that I trusted with my loan and my personal info I have no clue who else she has shared my personal stuff with. My husband was freaking out because we were suppose to finally close the next day and he thought she was going to pull our loan so I bit my tongue and sent an apology txt to her just to save face but I only did that so my family would have a home to move into. I lost my old home in a XXXX and buying a home was suppose to be a good happy time. XXXX gave us broken promises, threats, and used our personal info in our file to threaten me. On top of all of this nobody ever went over my loan with me. I did not know I was paying points to buy down the interest rate until I went to closing. I was quoted the rate but did not know I was paying for it.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not authorize this company to pull my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and it is affecting me getting credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Debt collection (I do not know) with Allied Interstate LLC (MI).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Called us ( distant relative ) claiming they " knew the person they were looking for was going by a different name '' then falsely represented the call was regarding an employment inquiry made by said person. Denying they had the wrong person/number, the caller then said in was important to find this person because of a problem with a family member!

Company response to consumer: Closed with non-monetary relief