milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To Whom It May Concern : You placed an inquiry on my credit report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. 
Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for ( credit, insurance, employment or other services ) with your company. 
This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under  false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law by performing a hard inquiry on my credit file without my permission. 
To resolve this matter please remove the inquiry from my credit report within ten ( 10 ) business days of the date of this letter. If the illegal credit inquiry is not deleted I shall be forced to seek legal action which may include but is not limited to paying me the civil liability fine, punitive damages for the decrease in my credit score, plus court and attorney fees. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion has reinstereted a prior blocked FACTA ACT fraud account on my credit report causing massive irreprerebalw harm. They sent no notification of resinserion as required by law what 's more the account was blocked nearly a year ago after supplying them With inordinate amounts of proof the account was fraudulent! They miss remove the rand brooks account

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 05/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I 've had fraud occurring  on my Capital One credit card since  XXXX  of 2016. I tried to report it per their 0 % fraud liability but they refuse to let me report it, refuse to let me close the card, and more fraud keeps occurring. I have went to the branch several times and provided my bank statements, utility bills, social security card, US passport to verify my identity to branch personnel who vouched for me and submitted copies of my verification documents. Yet Capital One refused to credit my account for fraud or even allow me to report the transactions. I keep paying the minimum every month to pay for fraudulent transactions and Capital One in turn charges me more than that in interest. They actually owe me a credit balance refund but they try every way possible to avoid ma rking transactions as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is reporting a bankruptcy on my credit file that is not mine. I have never filed bankruptcy. I am also showing accounts in bankruptcy that do not belong to me on my Experian credit file. Either someone has the same name as mine or they incorrectly inserted bankruptcy information on my credit file. Please help me in getting these items remove from my credit file.

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 09/25/2015 about Debt collection (Credit card) with United Collection Bureau, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This issue stems back fr XX/XX/XXXX to XX/XX/XXXX. I was under debt program with XXXX XXXX XXXX ( XXXX ) I have had consent ltrs fr several collection agengcy of $ XXXX bal with XXXX XXXX XXXX. Per XXXX, bal pd in full however, other past collections added new balance each time sold to another agency. I contacted, atty general office, state rep and Tlas.og for help. I have some brochures of what to do however, nothing has been resolved. I told United coll bureau on yesterday that I retired on XXXX in XX/XX/XXXX and have no funds to pay because their records are incorrect. I also requested an updated history of acct fr their office. The supervisor refused to speak to me, the agent was very persistent after an hour and half. I don ; 't have the money and I most definitely do n't owe it. Today I spoke to XXXX reps, XXXX and XXXX advising me to contact you for to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Debt collection (Medical debt) with Collection Information Bureau, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I did not receive a phone call or written communication about the debt. I discovered the issue when I reviewed my credit report. Im also unclear why I owe anything at all. Please provide written communication outling the rational for the amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My credit report show a hard hit for an auto loan. I have not tried to get a vehicle loan in 2014 as I have a brand new vehicle. I did not try to get a vehicle loan in 2014. I want to know how that happened? Also how do I remove student loans on my account that belong to my adult children? If this is at all possible because I can get signed statements with a notary stating they are theirs.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with R.M. Galicia, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Progressive Management Systems submitted a negative credit report to all major credit reporting agencies regarding an alleged debt to XXXX in the amount of {$50.00}. This debt was dated XXXX/XXXX/2015. Progressive Management Systems never notified me in writing regarding this debt nor provided a right to dispute this debt. I discovered this information via the annual credit report check I completed on XXXX/XXXX/2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2016 I requested and received a payoff letter from XXXX for the mortgage on my home in XXXX XXXX XXXX Florida. I received a payoff letter dated XXXX XXXX, 2016 that indicated a payoff amount of {$210000.00} valid through XXXX XXXX. I wired {$210000.00} from my account at XXXX in XXXX on XXXX XXXX to XXXX XXXX as directed by the payoff letter referencing my mortgage account as the beneficiary of the wire.I then waited for the payment to be processed and the mortgage released. Instead of a release of my mortgage I received a letter from Ditech Financial dated XXXX XXXX indicating I owed Ditech Financial an additional {$750.00} for a shortage. I paid the amount required by XXXX. 
Apparently XXXX sold my mortgage to Ditech and nevertheless issued the payoff letter indicating the amount due. XXXX acknowledges the receipt of my funds on in full on XXXX XXXX. XXXX has repeatedly indicated they can not help and refer me to Ditech. I have called Ditech repeatedly over the ensuing months explaining my situation sending copies of the payoff letter and wire confirmation and do not ever get a return call or any help what so ever. 
Most alarmingly Ditech has now put me in default and threatens foreclosure. I NEED HELP!!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (AZ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: When I open my mortgage with US Bank I was told that I could repay extra principal and withdraw extra principal by calling the US Bank Mortgage Call Centre. <P/>I have paid over {$70000.00} in extra principal and US Bank is now stating they never had an agreement to give me this money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have filed for Bankruptcy Chapter XXXX back on XXXX XXXX, 2013. Discharged on XXXX XXXX, 2013. All accounts should be showing Chapter XXXX bankruptcy on my credit report, however last month I discovered that my XXXX XXXX XXXX account was reporting as 'Opened ' and 'Late '. When I filed a dispute with Experian, the results came back as a 'Collection ' item. Item was NEVER placed into collection. It should be part of bankruptcy. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have repeatedly sent Pinnacle Credit Services a debt validation letter in which they have ignored. I do not believe this debt is mine. After Pinnacle ignored my request, I then sent a complaint to the XXXX. The XXXX informed me that they too, had tried to make contact with Pinnacle and after several attempts, their request went unanswered as well. I am now contacting FCPB to help me get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Prepaid card (ID prepaid card) with AMERICAN EXPRESS COMPANY (NC).
Issue: Unauthorized transactions/trans. issues

Complaint: I would like to document a complaint against the American Express Serve XXXX. On XXXX XXXX, 2015, I used the new bill pay service to pay my car note via their website at americanexpressserve.com. I then contacted the Customer Service just prior to completed the bill pay. After I clicked the submit the Representative XXXX ( name unknown ) then told me the payment would not be mailed out as a check. 
The reason this is an issue for me is I was previously told by Representative XXXX ( name unknown ) the payments sent through the American Express Serve bill pay process would be sent out as a check. 
My lien holder for my automobile does not accept American Express. However, my lien holder does accept checks. I need to have this processed in a way which will be received by my lien holder, or I need to know what happens to my money. I have the receipt which I can send to whomever needs it.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is incomplete, outdated, and incorrect information reported on accounts that are reported closed. The accounts are : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. I have requested these accounts to be deleted due to the violation of FCRA. I submitted this request XX/XX/2016.

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 08/29/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: I reached out to XXXX XXXX from Wells Fargo Home Mortgage to get a mortgage loan. She was the main point of contact as she was the preferred lender from my home builder. She helped lock in a mortgage rate of 3.25 % after running a credit check back on XXXX XXXX. I told her that I was happy to proceed with the mortgage loan since my previous lender quoted me a rate of 3.668 % and she charged my credit card for an appraisal. I went ahead and worked with the underwriter by sending them all my financial documents. I had difficulty reaching XXXX ever since our first contact because she never returned my calls or emails. She went AWOL on me. I found her at her office on XXXX XXXX and she told me everything was going smooth and not to worry. I learned later that my appraisal was never sent to the home builder and I could not get hold of XXXX. She later tells the underwriter to stop processing my mortgage loan since I was going with my previous lender but I never communicated that message to her at all. I even told her that I could not reach you so there was no way for me to relay that message to her. On her own, she decided to stop processing my mortgage loan. By this time, I had less than 30 days to close escrow so I could not shop around rates any longer and had to go back with my original lender so I could close on time. XXXX XXXX did not process my mortgage loan that she promised me and decided to ignore any messages/calls that I sent her. I lost out on getting a good mortgage rate and the ability to shop around for rates since she deceived me into thinking that she was working on my mortgage loan but never did.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit card () with JPMORGAN CHASE & CO. (NE).
Issue: Billing statement

Complaint: I pay my Chase Sapphire Card in full, every month, without exception. At times, I end up paying a few days late due to travel/work. Because I pay in full, I call and ask at time of payment for a refund of any late fees/interest ( if any ), and they have 100 % of the time obliged ( for obvious reasons ). XX/XX/2016 this happened again, and I was told on the phone that the late fee/interest was waived and I paid the remaining balance in full. As it turned out, they only waived the late fee, so I in actuality did not pay in full, kicking off a series of monthly interest charges. This happened XX/XX/XXXX and XX/XX/XXXX as well as I was traveling for work/holidays over the due date. I again paid in full and called and they said the fees/interest were waived. It only now has come to my attention that the interest was never waived as told, which means my payment " in full '' was short an unknown interest payment, allowing them to rack up hundreds in interest fees ( that I thought were waived ) on purchases that were paid in full. When I called them, they said they could n't do anything, EVEN THOUGH THEY HAD TOLD ME FOR MONTHS that those fees had been waived ( and therefore I was paying in full ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-05-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IN).
Issue: Loan modification,collection,foreclosure

Complaint: Had a loan through XXXX for almost 10 years with no issue. Sold my house on land contract. The gentleman was renting out the house and the loan was currant. XXXX sold to XXXX and they turned to Ditech. Ditech sent someone to the property and told the renters they needed to vacate because the house was being foreclosed on and they will be trespassing. By the time we cleared everything up the renters moved out using Ditech 's henchmen as their legitimate excuse. At that point the man that had the property on land contract started getting gitery on his investment in fear that something shady was going on with Ditech so he and I requested a loan modification which he has been through with several companies many times. At that point Ditech ran a continuous we will call you back run around with us. Almost never was there a record of previous conversations. No one that we were supposed to talk to was ever available and we were sent to voicemail after voicemail where the mailbox was full. Not one email or phone call was returned leveing it impossible to communicate with them. They at one point told us they would not take partical payments and then turned around and told us they were not sure why we were told that ( of coarse things got deeper and worse as they stalled out ). We have been waiting for loan modification papers for the final time for over a month now making handfuls of calls every day being sent to voicemails that are full and not able to leave a message. The are claiming the property will go into foreclosure in XXXX. If they would only do as they promised this entire situation will clear itself up and everyone can move on and they will get their money. If not everyone looses and it will be the sole fault of Ditech. Never have I witnessed such incompetent handling of a loan. 

The last payment was made in XXXX of 2015 for the amount of {$580.00}. I did n't make a payment in XXXX because I wanted written proof that the house was n't in foreclosure as that 's when they evicted the tenants. I then tried to make a {$1100.00} payment in XXXX and they would n't accept it and then tried to make a payment in XXXX and they would n't accept it either. During the course of the last year that have verbally told me twice that we were approved for a modification and then approved for a a repayment plan which I was trying to do for {$800.00} a month and then they never called back again. No exaggeration, I have called Ditech over 100 times throughout the course of the last 15-16 months and have received less than 10 return phone calls.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Can not remove fraud alert.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2017 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: Information belongs to someone else

Complaint: I AM A VICTIM OF IDENTITY THEFT. MY PURSE WAS STOLEN CONTAINING MY ID ALONGWITH SOCIAL SECURITY CARD AND OTHER PERSONALS. THERE IS AN ADDRESS  XXXX    XXXX   XXXX   XXXX  ,  XXXX   XXXX ,  XXXX ,  XXXX  LISTED ON MY CREIT REPORT. I HAVE NEVER LIVED AT THIS ADDRESS. MY ADDRESS IS  XXXX    XXXX   XXXX   XXXX  ,  XXXX   XXXX ,  XXXX ,  XXXX  AND MY ADDRESS PRIOR WAS  XXXX   XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX . I STARTED RECEIVING COLLECTION LETTERS TO MY HOME AND HAVE TRIED ON COUNTLESS OCCASIONS TO DISPUTE THE INACCURAICES WITH NO RESOLUTION. THIS IS RUINING MY LIFE AS WELL AS MY REPUTATION. I CALLED EQUIFAX,  XXXX  &  XXXX  AND WAS ADVISED I NEEDED TO SEND IN A COPY OF A POLICE REPORT AND ANY ACCOUNTS ASSOCIATED WITH THIS ADDRESS WOULD BE REMOVED. I HAVE DONE THIS. I HAVE SENT MY FAX TO EQUIFAX  XXXX ,  XXXX   XXXX   XXXX  ALREADY. I UPLOADED REPORT TO  XXXX  AT  XXXX . I AM BEING TOLD I NEED TO SEND IN A WHOLE DIFFERENT POLICE REPORT EACH TIME. I AM NOT UNDERSTANDING WHY. I HAVE DONE ANY AN EVERYTHING I HAVE BEEN TOLD TO GET THIS RECTIFIED. I EVEN HAVE THE FRAUD ALERT ON MY REPORT THROUGH ALL THE BUREAUS. THIS IS REALLY INCONVENIENT AND THIS IS CAUSING ME DISTRESS. I WOULD HATE TO HAVE TO GET MY LAWYER INVOLVED AT THIS POINT. I AM LOOKING TO PURCHASE A HOME BUT I CAN NOT DO THAT WITH ALL THESE INACCURATE DATA REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Mortgage (Conventional home mortgage) with loanDepot.com, LLC (AR).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Loan Depot appears to have no bounds to its advertising. I noticed a picture and article written by one of their sales managers on XXXX and there is no proper disclosures, including the XXXX symbol or XXXX ID.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Client was denied a modification under HAMP guidelines XXXX XXXX, XXXX. A request was made to the plaintiffs attorney on XXXX XXXX XXXX to accept immediately {$26000.00} as a downpayment, waive the late charges and prothonotary fees and spread the remaining aarrearge over 6months. The reinstatement as of XXXX XXXX XXXX was {$29000.00}. The fees that were being requested to be waived amounted to {$750.00}. That plan was declined XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have an account on my credit report for AD Astra Recovery but I don't remember ever having an account with this company nor the original creditor, XXXX XXXX. 

I want the company, AD Astra Recovery to produce me a copy of my original contract with them and XXXX XXXX, proving this account actually does belong to me. 

They need to produce me a copy or remove this account from my credit report and stop all collections.

Company response to consumer: Closed with explanation