milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX I was a victim of Identity theft, someone had, opened over 7 accounts in my name one was XXXX XXXX XXXX XXXX XXXX. I do not know when the account was opened or, type of account I am assuming it was a credit card of services. I also contacted XXXX XXXX XXXX by certified letter, and also filed a police report, and a Identity theft report as, well as spoke to all three credit companys about the Identity theft, there was a block placed on my credit report. I am still trying to recover from this event that has shook me to my core. XXXX XXXX XXXX XXXX XXXX  did not remove the hard Inquiry that was placed on my credit report with XXXX XXXX XXXX they placed the Inquiry on my credit report on XX/XX/XXXX. I again am shocked that this is happening, and it is taken a toll on me mentally, and physically. To this day even after I placed a Identity theft alert on my credit report, I have two more Inquirys placed on my XXXX credit report XXXX XXXX XXXX XXXX  date XX/XX/XXXX that was not autherized by me, and WELLS FARGO CARD SERVICES also pulled my credit report from XXXX  on XX/XX/XXXX. I have to go to the social security office to change my social security number do to the outstanding damage this is causing my credit, and Identity.

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 11-08-2016 about Credit card () with CITIBANK, N.A. (MI).
Issue: Payoff process

Complaint: The Home Depot Consumer Credit Card automatically allocates any payment to a deferred interest balance if said balance is due to expire within XXXX billing cycles. This forces interest on any revolving balance. 

For instance I have a {$500.00} dollar deferred interest balance and {$250.00} in revolving balance. If I pay {$400.00} it will lower the deferred balance to {$100.00} and leave the revolving balance at {$250.00}. In a 30 day month that results in " forced '' interest charges of {$5.00}. 

I understand the idea behind this practice as it will help consumers pay off their deferred balances before the due date, but, for people who properly manage their accounts this becomes a major issue. 

Home Depot Credit Services is unable to change this automatic payment distribution.

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 monetary relief
Consumer complaint received 07-09-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I have been garnisheed numerous times over the last 25 years. I owed the IRS and any garnishees previous were discontinued. I paid off the IRS and suddenly a garnishee re appeared. The current XXXX is Providian Bank or actually the collection agency who bought the debt. It has been so many years I have no idea who. After this I am in understanding that a XXXX XXXX who purchased debt is waiting in the wings and placed a judgement XXXX of 2014 which I have no paper work for and no idea who it is for. Any credit cards that I have been garnisheed for are at least 15 years old, probably more. Most of the garnishments on me were placed and I ca n't even begin to tell you by whom and I may be paying debt more than once. I am please asking for this to be looked into and help me if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX Inquiry from XX/XX/XXXX - Personal Loans Cos.
Auto Financing XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + All Banks XXXX XXXX  Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry fromXX/XX/XXXX Automobile Dealers, New XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos.
XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos.
XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: You are reporting an incorrect address on my credit file. Please remove the following address : XXXX XXXX XXXX XXXX XXXX CORRECT ADDRESS IS : XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Mortgage (Conventional fixed mortgage) with MLB Residential Lending, LLC (DE).
Issue: Credit decision / Underwriting

Complaint: Submitted a mortgage loan application with MLB Residential Lending , LLC for a refinance mid XX/XX/XXXX. Went through all processing stages and received a clear to close from the lender and their closing attorney on XX/XX/XXXX. The loan was scheduled with the title company for settlement XX/XX/XXXX at XXXX XXXX. The day prior to settlement, XX/XX/XXXX, I received a phone call from my loan officer that the underwriter stated that the loan can not close as currently structured due to investor guidelines and we have to restructure the loan as a purchase transaction. Over the next 3 weeks I submitted additional documentation requested by the lender and received my new disclosure package on XX/XX/XXXX at XXXX XXXX. I re-signed the new disclosure package and printed 6 documents and physically signed and faxed back to the lender, per instructions provided by lender and loan officer. Prior to the close of business that same day, I received an email stating that my loan status has changed to statement of denial and instructed me to contact the loan officer with any concerns and/or questions. After further review, my loan was denied due to incompleteness. I inquired with my loan officer and he disclosed that he was no longer employed by MLB Residential Lending , LLC and instructed me to contact them directly moving forward. I called the lender and left a voicemail message. My call was not returned. I then followed up with an email inquiring about the denial and I received an email back stating that the loan was denied due to the sales contract not being complete. I have sent several emails asking why I was not given an opportunity to fix and/or provide additional information to complete the sales contract. To date, I have not received an answer from MLB Residential Lending , LLC giving me a reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (MD).
Issue: Account opening, closing, or management

Complaint: I opened up a savings account at Wells Fargo Bank. I was required to take debit card as part of the account processing, even though I said that I did not want a debit ( or credit ) card. We agreed that I could cut it up when I received 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 02-07-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CO).
Issue: Loan modification,collection,foreclosure

Complaint: Unfavorable response from my Mortgage Lender ; reported late payments on my credit report while on a temporary mortgage plan for three months due to layoff from a job. I was reported late five ( 5 ) times XXXX90 days late, XXXX60 days late and XXXX30 days late. 
Wells Fargo indicated that their assistance mainly was for me to avoid foreclosure on my house. But for me was seeking temporary assistance while I was on a job search.

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 04/17/2016 about Credit reporting () with EQUIFAX, INC. (ME).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is an incorrect address on my credit report, I have never lived there, XXXX XXXX XXXX, XXXX XXXX, ME, XXXX. There is an incorrect birthdate on my credit report, XX/XX/XXXX, there is an incorrect spouse on my credit report, XXXX. I was divorced in XXXX and also he is dead. there is in correct spelling of my name due to typing errors by different agencies reporting on my credit report, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, there is a wrong social security number on my credit report, XXXX, there are several wrong phone numbers on my report, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Debt collection (Payday loan) with Enova International, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: As we previously advised you, you have failed to make payments required under your loan agreement or to contact us to take corrective action. As a result, your account number XXXX was sold to XXXX XXXX XXXX on XXXX/XXXX/2013. The outstanding balance was {$770.00}. 

This third-party debt buyer retains all legal rights to the amount owed. If you would like to make a payment, please contact XXXX XXXX XXXX at XXXX or XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Closing/Cancelling account

Complaint: Should have never been closed. Or on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX, I attempted to re-finance my XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, CA. I was doing this so I could get a lower payment amount by starting a new loan even though the APR would increase by about 1.5 %. 

I have made all payments on time. I have made all payments on ALL of my credit cards on time as well since I have re-established my credit. 

Apparently, I 've opened too many charge cards ( 6 ), and my credit score has decreased by over 100 points even though I pay them on time. 

So, how is it that the credit bureaus can just keep lowering my credit score just because I am " using '' my established credit? A balance increases on a credit card ; they take points off of my FICO score. I make more than the minimum payment every month, but they do n't increase my credit score for that. I get a new account ; they lower my credit score. I have an inquiry, they lower the credit score. How is it that I get punished for NOT making payments, but I do n't get credit for making my payments timely? 

I 'm XXXX years old, and I rent a town home. I am a veteran, and I qualify for a XXXX down VA loan. BUT, I ca n't get financed because my score just keeps going down even though I make my payments timely. I need to move my mom in which means needing to move, but the rents here in CA have skyrocketed to ridiculous amounts. I use my cards to help my mom with medicines etc. I 'm being punished for it, and it 's taking a toll on my emotions. 

Do you have any suggestions? 

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 02/17/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax will not release my credit report to companies that request it. I am trying to purchase a house and the following lenders are unable to access my Equifax Credit File : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. I need this fixed immediately. 

I have no security freeze on my credit report as confirmed by Equifax when I call. I am also unable to access my credit report when using XXXX and I have never been able to access it using Annual Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I filed bankruptcy several years ago, which was dismissed in XXXX of 2014. I have since waited for Ocwen Mortgage to get my paperwork straighten out since they purchased my mortgage from XXXX. However they have just now 18 months later sent me paper fork saying that my payments are past due and that I owe them a lot of extra money. and that I have made XXXX payments in one day. I want a detailed explanation of increases in escrow and past due amounts also an stop in any other proceeding until they can explain what is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: have written, faxed and spoke with CSRs at all 3 credit bureaus agencies advised that I am a victim of fraud submitted police reports and Identity theft report affavaidts on numerous osscassion FTC Report # : XXXX   and XXXX and Experian " REFUSE '' to remove accounts that were a result of fraud which are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX The 4 accounts need to be removed for they do not belong to me.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax Hack " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' ^Same as pretty much everyone who 's complaining today, I imagine. 

Did not enroll in their XXXX XXXX. Pardon me if I do n't trust Equifax to do a competent job of protecting my information.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: So, here 's the challenge I 'm facing. 

I have XXXX accounts ( XXXX XXXX XXXX & XXXX XXXX XXXX ) that are XXXX reporting on Eqiufax and XXXX. 

The date of last activity/reporting on each should be XX/XX/XXXX. However, they XXXX have updated the date of last activity to more recent. To my knowledge, this is illegal. 

I have not made any more payments or any other type of activity on either account since XX/XX/XXXX. This is causing the statute of limitations on each account to be extended much further into the future. 

XXXX Now reporting : XX/XX/XXXXXXXX XXXX now reporting : XX/XX/XXXXI would like these errors to be corrected, as they are unfairly lowering my credit scores and damaging my current credit reports. 

If you need further information from me, I 'm happy to provide it. 

Thanks in advance! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several inquiries on my report from XXXX XXXX XXXX XXXX and from XXXX XXXX. I contacted XXXX XXXX XXXX @ XXXX and spoke with XXXX employee # XXXX and he was unable to find any applications for me, and he even checked the archives. I contacted XXXX XXXX and they are going to be sending something to have the inquiries removed, but they told me to contact creditor to see about getting them removed sooner. Here are the inquiries : XXXX/XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please remove all of these inquiries because they do not belong to me, and were not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I was mistakenly charged late fee by Citi. The fee has been reversed when I called to report the error, but I was advised to pay the entire balance billed ( include the late fee ) TODAY ( for amounts due on  XXXX  ) in order to avoid another late fee and reporting to the credit bureau.     Billing date :  XXXX  Amt {$18.00} Merchandise return  XXXX  Amt {$6.00} Payment date :  XXXX  Amt {$11.00} Due date :  XXXX  Late Fee : {$18.00} on  XXXX  stmt for missing  XXXX  pmt.

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 05-12-2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Please accept this letter as a formal request to review and adjust my student loan payment. I am now a retired  XXXX  from a  XXXX   XXXX   XXXX  and my retirement income is less than  $ 500/mo.  after my health insurance is deducted. This alone, makes a {$750.00} payment to  Navient  impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Selene Finance LP (LA).
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: Please see various incidents in regards to this loan. Credit reports are not showing the correct information. Thus, we are unable to refinance our home.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: SOMEONE USE MY SOCIAL SECURITY NUMBER AND DOB AND OPEN UP UTILITIES IN MY NAME AT A FAMILY HOME ADDRESS. IN   XXXX  . AT THE TIME SERVICE WAS OPEN FRAUDULENT USING MY NAME I RESIDED AT A DIFFERENT LOCATION  XXXX   XXXX    XXXX   XXXX    XXXX . THE NAME USE IS  XXXX   XXXX  A FEMALE WHICH I DO KNOW A  XXXX   XXXX . I AM  XXXX   XXXX .  ( MALE ) I P ROVIDED  XXXX  WITH A POLICE REPORT DATED  XXXX  16  WHERE I FILED WITH  XXXX  POLICE DEPARTMENT DUE TO SOMEONE OPEN A CREDIT CARD AND PAYDAY LOAN IN MY NAME. ALSO THE LANDLORD OF PROPERTY  XXXX   XXXX   XXXX  PROVIDED  XXXX  WITH DOCUMENTATION STATING I DIDNT MOVE INTO MY NEW RESIDENCE  XXXX   XXXX   XXXX  UNTIL AROUND  XXXX /2016 / THIS IS A FAMILY HOME AND SOMEONE THAT KNEW ME HAD TO OPEN IN MY NAME.  XXXX  IS STILL REFUSING TO REMOVE. I CONTACT CREDIT SYSTEMS (    XXXX   XXXX   )  AND THEY ADVISED ME TO DISPUTE WITH   XXXX   FOR REMOVAL.   XXXX   DID NOT RESEARCH ENOUGH. THE OWNER / LANDLORD PROVIDED MY MOVE IN DATE TO SHOW THIS IS NOT MY DEBT. AND I PROVIDED IT TO  XXXX . SOMEONE FRAUDULENT OPEN UP THIS DEBT AND USE MY INFORMATION. I AM A VICTIM OF FRAUD AND SENT PROOF TO   XXXX  . I NEED HELP WITH THIS MATTER.

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 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent the collection agency a complaint letter  XXXX   XXXX ,2017 is the day the credit reporting agency received the letter to investigate a collection account on my credit report named  XXXX   XXXX   XXXX   XXXX  that is wrongfully being reported. It has been more than 30 days and I still have n't received a copy of the results. The file I submitted is a tracking for the letters sent.

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 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with United Student Aid (USA) Funds (TN).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I had contacted this company USA FUNDS to try to take care of my student loans which I decided within their timeframe that I did not want to do buisness with them so they sent me email of my cancellation but they still withdrew funds from my checking account which took months to get back & I have recently noticed they reported this on my credit which is uncalled for especially when I canceled before their timeframe was up.I decided to go thru a much better company

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Debt collection (I do not know) with EQUIFAX, INC. (OR).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: This company, XXXX along with attorney XXXX XXXX XXXX has sued me and received a judgment ( XXXX XXXX XXXX county ND ) XX/XX/XXXX. I was never served and then XX/XX/XXXX they extended the judgement again without notice to me. The clerk told me that I was served at XXXX ND. I have never lived at that address. I have lived on the XXXX since XX/XX/XXXX. No due diligence was used to find my place of employment or current address. I have never received any notice of either action. I have no idea what this is concerning and my civil right to due process has been violated by this company and attorney.

Company response to consumer: Closed with explanation