milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been going back and forth with Transunion about inquiries on my credit report that were not authorized. I was a victim of identity theft back in XX/XX/XXXX  Someone attempted to get a car in my name on XX/XX/XXXX as well as a XXXX card through XXXX XX/XX/XXXX and something through XXXX XXXX XX/XX/XXXX. The latest thing they applied for was XXXX XX/XX/XXXX. They are telling me I have to contact each individual creditor and have them write a letter stating they will remove them. I dont think I should be the one to do that if I was the VICTIM!! That is unfair to me!! 
Also I bought a carXX/XX/XXXX. I stepped into the dealership with a approval from XXXX XXXX auto financing. There was no need for the car dealership to run my credit!! They ran it anyway and I was hit with 10 inquiries ... why?? I didnt authorize them to run my credit. That was my whole reason for me finding my own financing!! 

Identity theft inquiries are as follows : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX Both XXXX and XXXX have removed said items and Transunion should follow suit. I have now placed a fraud alert on my ssn.
As far as me buying my car and having my own financing to where the car dealership did NOT need to run my credit these are the inquiries from them doing so without my authorization : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX This is so unfair to me!! I have called Transunion so many times and I keep getting told to  contact each individual company. Once again its not fair to me if I was the victim of identity theft!! And if XXXX and XXXX both deleted them why come Transunion wont?!!

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 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX XXXX, I asked Equifax to conduct an investigation of accounts that are reporting inaccurate information on my credit report. Nearly XXXX months have passed, and I have yet to hear back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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 disputed inaccuracies in my consumer report with Transunion and I received a notice back that the errors were not corrected. I have no current contract with  XXXX   XXXX ,  XXXX   XXXX    XXXX   XXXX  ,  XXXX ,  XXXX   XXXX  or  XXXX   XXXX  Credit Card. I am being damaged financially due to this false information in my report. These accounts have been removed from other bureaus due to not being valid. But Transunion continues to harm my ability to participate in commerce.

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 03/16/2016 about Credit card () with JPMORGAN CHASE & CO. (NV).
Issue: Other

Complaint: Chase owes me a credit balance of over {$26000.00}. I am getting very frustrated with them because every time I call, I get a different answer and keep getting transferred around. I asked to speak to the appropriate dept. to get my refund and they advise me that there is no dept. that I can speak to over the phone and that they 're only available in writing. They also told me that the check should take no more than seven business days. The request was received a week ago from today, or at least that 's when I called to put in the request. Unless, of course, they do n't have their facts straight and say they have no record of it. I just want my money back from the merchant credits I finally received due to fraud. This is not an overpayment, so they have no way of taking a loss to the business. These are credits from the merchant or Chase that are permanent. Therefore, there should n't need to be all this non sense of research. When I called last night, I was told the refund check was sent out. When I called today, I was told that the request is still under review. I call again and they tell me that it 's going to take an additional four days of research. They also mention that my account was closed due to bank policy, which I am aware of. I am not sure why they keep telling me that when I call since I tell them that I am calling about a balance refund check, I did n't mention anything about my account being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: In XXXX I disputed a charge they said it would be credited with in 5days I have called repeatedly everytime it's a different story then they said that it was credited a month before it was even charged.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The XXXX credit recording company are still reporting XXXX judgments ( XXXX XXXX XXXX XXXX and also XXXX of XXXX XXXX ) that have been satisfied ( Paid in Full ) over a year ago. I have reported to the credit company s and the court over a year ago.I hope you can help remove this out of date and fasle information. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
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 filed a CFPB complaint with XXXX XXXX on XX/XX/XXXX regarding credit reporting issues related to Capital One Auto Finance under # complaint XXXX. They answered and closed the complaint on XX/XX/XXXX.
Today XX/XX/XXXX I ordered and received a new copy of my current credit report. XXXX XXXX is now reporting an open auto loan with Capital One Auto Finance as well as a missed payment. This account was already closed and charged off as indicated in the attached report from XX/XX/XXXX. It has decreased my credit score and is now showing I owe money on an open loan that is actually closed and charged off. This is in violation of FCRA. I have attached copies of Capital Ones recent letter and images of how XXXX XXXX was reporting in XX/XX/XXXX and XX/XX/XXXX It is against FCRA to report a missed payment and revolving credit on a closed and charged off account. They will continue to report this every month until they fix it. During that time it will decrease my score every month. I am requesting they fix this as the loan is closed and charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: 1 ) I disputed transaction for XXXX with Citibank Credit Card on XXXX XXXX, XXXX. 
2 ) Citbank sent back a letter requesting details 3 ) I sent all details to Citibank on XXXX XXXX, XXXX XXXX ) Citibank kept quiet for 2 months 5 ) On XXXX XXXX, Citibank sent back a letter that they have closed the investigation and and requested more details. 
6 ) I talked to Citibank dispute agent to understand what they needed. I informed them about the inaccuracies in their response. 
7 ) On XXXX XXXX, XXXX, Citibank sent a letter sending th 'We have reviewed the information concerning this dispute. Unfortunately, we are unable to resolve this dispute in your favor since we have not received a valid credit slip. As a result, we have completed our investigation based on the information available. Please contact the merchant directly if you wish to pursue this matter further. 
We regret that we are unable to assist you in this matter. ' 8 ) I contacted customer service on XXXX/XXXX/XXXX. It did not yield any results. 

9 ) I have other suspicious transactions too. My understanding is CitiBank just delays and discourages customers from complaining by putting disproportionate burden.

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 03-06-2017 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (TX).
Issue: Managing the loan or lease

Complaint: TD Bank was the lender for an auto loan that I paid off a few years ago. I have had an extremely difficult time getting them to respond to my letters. TD Bank is reporting to the credit bureaus that my loan was 30 days late on XX/XX/2014 This is NOT accurate information. All of my payments were on time as I had the loan set up through my bank to automatically send payments via electronic transfer each month. I was a very good customer to TD Bank and do not understand why they would not want to correct their mistake. My payment was never 30 days past due. I have filed a complaint with both the XXXX & XXXX Attorney General offices as well.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   AND EQUIFAX are both reporting a completely fraudulent collection account, number XXXX .   by  XXXX   XXXX   XXXX   XXXX , a company under CFPB Consent Order which requires submission to CFPB supervision.The problem arises from the incompetent hospita l biller   XXXX  represents,  XXXX   XXXX   XXXX   XXXX   XXXX  .I h ad service there 1 day  in 2014, T he hospital biller puts  XX/XX/14    on  one  bill and  XX/XX/14    on another for service that occurred on  one day .If a hospital can not bill an insurer correctly then that insurer can not be held to bad faith.I was fully insured that day of service after employment by  XXXX , after a leave of absence, and then finally I paid a  XXXX  policy in a timely manner. One ch eck for   XXXX   was written to  XXXX  on  XX/XX/14    And cashed by  XXXX  on  XX/XX/14 .A COPY OF THAT CHECK IS ATTACHED.Also you are aware that insurance is not paid in arrears, and  XXXX  had that check cashed just two weeks prior to hospital service.I 've attached proof of  XXXX  'S incompetent billing, not even knowing what day the service occurred.The credit bureaus must get  XXXX  to certify the correctness of the information or  delete immediately.  XXXX  already took a stand and deleted the  XXXX  account which vaulted my credit score back up to  XXXX , OVER  XXXX  FICO  XXXX  points.This willful error of  XXXX ,  XXXX  and  XXXX  and Equifax who relay their false information is getting expensive.I 'm a middle tier interest rate on mortgage and credit cards instead of the very top tier I deserve.I 've been told by   XXXX   XXXX   that   XXXX   'S REPORT put me in the middle tier from 14 per cent to 20 percent on their credit card.   I ca n't have my real estate broker get a mortgage until this issue is put to rest.   THERE HAVE BEEN MULTIPLE INVESTIGATIONS WITHOUT THE EVIDENCE ( attached ) PROVIDE D HERE.THE EVI DENCE SAYS THIS ACCOUNT SHOULD N'T BE ON MY REPORTS AND  XXXX  DESERVES ONE MORE GIANT  XXXX   XXXX  DOLLAR FINE FROM THE CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio collecting keep calling my phone. I stated to them that they must be looking for my father. Additionally, I am on the do not call list and I keep getting calls. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: For the past year i have been contacting TransUnion about 4 accounts they continue to report in my credit history that do not belong to me. Whenever i call i am transferred to another department but no one answers i am forced to leave a message, i never get a call back. I have been dealing with this like i said for about a year-its very frustrating. Transunion File Number 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 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To whom this may concern, I contacted Experian dispute hotline at XXXX to dispute inquiries on My report that I did not authorize. I was told by the customer service agent I spoke with that they are unable to remove unauthorized inquiries without the company consent. I then attempted to contact the companies by using the contact numbers listed on my report and was told I have to contact Experian directly. I proceeded to contact Experian AGAIN at same number listed above and was denied the ability to remove the unauthorized inquiries again. I have run out of available resources to resolve the matter and am highly dissatisfied. Response received from experian states " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and must be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The report number is listed on the attachment please see for details. I was never provided a dispute number for inquiries.

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 03/20/2017 about Mortgage (Conventional fixed mortgage) with PROVIDENT FUNDING ASSOCIATES (MA).
Issue: Loan servicing, payments, escrow account

Complaint: {$110.00} late fee assessed on my mortgage payment. After 7 years without a missed/late payment, this company would not offer me a one-time courtesy after this perfect payment record. I spoke to " XXXX XXXX '' a customer service manager who was arrogant. Then I spoke to " XXXX XXXX '' in the corporate office who refused to give me the president 's phone number. ( His name is XXXX XXXX ). I wanted to speak with him directly, but was not allowed. Their stonewalling and indifference were very unprofessional. Can you help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Making/receiving payments, sending money

Complaint: I put a stop payment on a charge for cable that was not authorized and had already been taken from our account two weeks prior. I was told it would be stopped and not go through. Two days later it went through and created an over draft of XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/15/2015 about Debt collection (I do not know) with Integrated Recovery Services (TN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was not home and a company named Integrated Services. The persons name was XXXX. The voice mail message that was left was they were trying to contact me for a legal address for service and to call this number XXXX to provide a formal statement. Failure to respond could lead to verification of employment and liquid assets to avoid this call my office immediately. My wife heard this message and it troubled her. It is my understanding that according to the FDCPA a company ca n't leave a voicemail message like this without my consent as a third party can hear it. This message is also asking for me to make a formal statement which insinuates this is an attorney or law enforcement agent. If this is a legal debt then i would like this agency to pay it for violating the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Mortgage (Other mortgage) with MORTGAGE FINANCIAL SERVICES, INC (MA).
Issue: Application, originator, mortgage broker

Complaint: Loan officer never told me about all of the requirements for getting a mortgage. Entered into an agreement t purchase a home that needed some work. Loan officer told me the requirements under the loan I was getting were, A room must a closet to be considered a bedroom and that home ca n't have any unfinished rooms. With that information a I agreed to continue and have an appraisal done. When the appraisal came back it was noted to have some minor peeling paint and a couple of loose roof shingles. Loan officer told me that in order for Mass Housing to approve this loan I would need to repair these items. Neither I or the homeowner were ever in a position to do this. Had I known that these items would have been a requirement I would n't have gone forward with this appraisal. This is just XXXX example of the deceptive and incompetent practices from Mortgage Financial.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Problem with fraud alerts or security freezes

Complaint: A security freeze I put in place through Experian I thought was designed to prevent unauthorized inquiries. How I am unauthorized access or unable to grant access without " a written letter '' or alleged " upload '' of current ID, of which is improperly designed, not secure, unsafe with " XXXX '' extensions, and does not run, is clear and confusing to complainant and is in violation of my right to my privacy. And anyones ability to " access '' a " credit file '', from a browser without logging to site w cc a payment and " security '' responses -REALLY! ACCESS IS R/W? I AM STUNNED AT THE XXXX  OF ALL THIS.

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 09-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Shellpoint Mortgage XXXX Refuses to pay my City taxes despite $ being escrowed in excess of amount.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Mortgage (FHA mortgage) with U.S. BANCORP (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage originator sold my mortgage to U.S. Bank, I had already made my first payment to Mortgage XXXX, the originator, the next payment is due to US Bank, which I could not setup an electronic payment for the first payment, hence my need to send a check. Although payment is due on the XXXX it is not considered late until the XXXX. I mailed a check on the XXXX of XXXX and on the XXXX of XXXX I received a call from US Bank 's collection department looking for payment, a payment which was already sent! As I understand, the law states a creditor must provide a letter in writing if a customer is delinquent, as I have already made my payment and am still within the grace period why I am being harassed by collections? I suffer from XXXX and had a severe XXXX XXXX because of this call!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Debt collection (Payday loan debt) with BlueChip Financial (GA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I borrowed XXXX which cost me three times as much. Didnt really realized made 5 payments at XXXX still owe them. Cant pay because trying to get my social security I am XXXX years old and live with my mother. Not working and they are harassing my XXXX year mother 4 or 5 times a Day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Consumer Loan (Title loan) with Manor Resources, LLC (OK).
Issue: Lender repossessed or sold the vehicle

Complaint: Got a loan through turbo tittle loan and six months later got divorced she got the car and debt now she has trade car in and they are calling me and harrassing me talk to guy on phone told him not to call me again and his answer was he will all day long and he has now called XXXX times in and hour

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Credit card () with CITIBANK, N.A. (RI).
Issue: Customer service / Customer relations

Complaint: I paid for a gym membership in XX/XX/2016 with Citibank CC. 
Payment was received by merchant and access granted to me. 
During XX/XX/XXXX access to facility was denied for no known reason. 
I filed a dispute and money was returned to me. I also contacted the merchant who said access was denied in error. We agreed to make a new contract in XXXX 2016. 
During XXXX 2016 Citicards REVERSED the item and recharged me. I have emailed and called numerous times to get it removed permanently but to no resolution!

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