milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/2017, XXXX made a hard inquiry on my credit without my knowledge. It is showing up in my Trans-Union Credit Score. I called XXXX and was told by giving my personal information to the salesperson, I was giving them permission. The salesperson did not tell me and I did not know he was using this information to sign me up for credit. I was looking into buying a mountainbike and thought he was just getting my information for the sale. I called Trans-Union and they need a letter from XXXX which I can not get.

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 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of the Transunion inquiry issue and after speaking with them they denied to service my request to have inquiries removed.

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 09/20/2017 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: Public record information inaccurate

Complaint: New standards for how tax liens, civil judgments and bankruptcies are included in credit reports went into effect on XX/XX/XXXX. BeginningXX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals. I disputed the tax lien and judgment information on my report and it came back as verified. The problem with that issue is that I spoke with the companies/court involved who the credit reporting agency claims verified this data, and they responded in writing stating that they do not verify information such as bankruptcies, tax liens and judgments with credit bureaus. Please have any tax liens, & judgments on my report deleted immediately. I was also, according to the Equifax website part of the data breach that took place between XXXX and XX/XX/XXXX. After searching by my SSN, it said that I was included in the breach ( Please see attachment ). Therefore, I would like to have a fraud alert placed on my credit reports with all 3 agencies and also any credit inquiries from XXXX throughXX/XX/XXXX removed immediately. As these things are negatively affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Auto debt) with PRESTIGE FINANCIAL SERVICES INC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received an alert that the amount increased on a voluntary repossession that happened in     XXXX   and has already charged off and the car was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Student loan (Federal student loan servicing) with Account Control Technology, Inc. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: On several occasions Account Control Technology have contacted me in reference to students loans. I send them a letter indicating I did not want to be continually harass, and do not contact me unless they intend to take additional steps. They have continue to called me. On yesterday, I received a call from phone number XXXX XXXX. The caller stated that I was being sued for criminal charges, and I needed to call that number and extension number. I believe that this caller was from Account Control Technology. I believe that their practice is a violation of the FDCR

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 01-09-2016 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (AZ).
Issue: Received a loan I didn't apply for

Complaint: On XX/XX/XXXX, I received a voice message from XXXX XXXX, who notified me about legal action will be taken against me. She threatened to visit my home on XXXX to obtain my signature on her paperwork. XXXX XXXX did not indicate which agency she is representing, but she left a phone # XXXX & reference # XXXX to follow up ; I called the number, spoke to XXXX XXXX of XXXX XXXX ; he retrieved my file, advised me that I applied for loan dated for XXXX XXXX, XXXX ; he threatened that legal action will be taken against me ; he asked if I was in the position to pay the account ; if so, he might be able to stop the legal action ; I verbally did not acknowledge the debt ; I told him that documents need to be sent to me for review ; I do not call this loan, I have not received any notifications about this loan until now. I am alarmed and harassed. I believe this is a scheme to access my personal information from strangers

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I am not able to obtain my experian credit report or report #

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Credit card () with NAVY FEDERAL CREDIT UNION (NC).
Issue: Billing disputes

Complaint: Navy Federal Credit union received credit disputes from me. Processed them late, and provided even later merchant responses. Now threatening to reapply charges unless I respond. I have responded after late receipt of their letters to me. See attached message to them addressing XXXX claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Debt collection (Medical) with Man-Data Inc. (OR).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I made payment arrangements XXXX week ago with pacific coast credit for XXXX a month on the XXXX of each month. I called today to make the payment early. They informed me that they could only accept XXXX $ a month and not the XXXX we had already agreed on. They refused to take my money and said they are going to take legal action against me if I didnt make the XXXX $ payment. I have never recieved a bill from these people. I have never recieved a call. I called them to settle the debt off my credit report that said the bill was XXXX $ but they added more saying it was XXXX {$.00} This is from 2009 mind you. Im in contact with a lawyer now because they have refused to accept the payment we already agreed upon. They already accepted a payment from me of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan modification through my servicer, SPS on XX/XX/XXXX. During the course, of the next two months I worked steadily with the loss mitigation department to get a loan modification application approved. The department advised me of documents needs and I would upload the often the same day requested. Unfortunately, with the multiple requests for documents and the rotation of designated single point of contract individuals, very often the documents did not get processed in a timely manner. Ultimately, the account was assigned to a single point of contact that was never available or reachable to verify not only that the documents were received but that the documents were satisfactory for underwriting. I often had to speak with other individuals less familiar with my case. The process of getting documents over to the loss mitigation department was less than pleasant because the notes on my file were often not updated. Therefore, I was asked to send the same documents over again. Eventually, the loss mitigation department closed my file on XX/XX/XXXX to which I exercised my right to appeal. On XX/XX/XXXX, I sent the appeal with all of the documents that I understood were still missing, along with updated information that I anticipated the department may need to review my appeal. My appeal should have resulted in reopening my case ( as I was instructed it may ) when I spoke with the substitute representative ( absent of contact with my single point of contact ) Instead, the appeal was denied as well because the necessary review and time frame was too close to the schedule Sheriff Sale on XX/XX/XXXX. I should have been advised even though I was entitled to an appeal, it would not be reviewed. On XX/XX/XXXX, I spoke with the Ombudsman Department and they advised me they were unwilling to stop the Sheriff Sale. We discussed alternatives and it was suggested that I seek the aid of an advocacy group to possible stop the sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Mortgage (Conventional fixed mortgage) with GUARANTEED RATE INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: We were in process of getting our Mortgage refinanced with Guarantee Rate, XXXX XXXX Everything looked good, our XXXX was good our credit scores are average of XXXX. We had a BK in XX/XX/XXXX where a XXXX Mortgage debt was charged off in XXXX. We settles with XXXX for {$20000.00} for them to remove the lien, however debt was at {$0.00}. XXXX just had the lien on but we did n't owe anything as the debt was already charged off. Guarantee Rate declined our loan stating that we short sold the property in XX/XX/XXXX. We did not short sale the property. We gave them {$20000.00} to remove the lien, but the debt was already charged off in XX/XX/XXXX. We got them a letter from XXXX stating this and they still declined us calling it a short sale. When we sold the house in XX/XX/XXXX, our XXXX was paid in full and since we settled with XXXX for them to remove the lien that was in XXXX position, at the time of the sale we did not have a XXXX mortgage. I am not sure how they are viewing this as a SHORT SALE. We argued our point, yet they still denied that. We are still being punished for a BK that happened in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm a victim of identity theft as a result of this there were some inquiries made without my knowledge or consent, i have sent out numerous letters to Transunion with supporting documents, they are ignoring me and they still have n't removed these items that clearly do not belong to me, this is very frustrating and disappointing and I need help to remove these inaccurate items, i 'm attaching the letter that i sent out to the bureaus

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: An account titled XXXX was opened in XX/XX/2012 under my name, Jointly, and I never authorized this account to be opened. I am not even sure what the Account is for. This account was past due multiple times and is negatively affecting my credit score.

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 10-04-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed XXXX accounts with Equifax for identity theft, I have submitted the same paperwork to each of these XXXX creditors as well. I have submitted an identity theft affidavit as well. Equifax has not removed these XXXX accounts for XXXX, XXXX, and XXXX XXXX XXXX XXXX yet. They have investigated and just say that it was verified. This was identity theft so ever who did it gave my information, no one has ever produced any signatures that was needed to have the account opened either. This has been hurting my credit. My next step will be to pursue claims against Equifax and the XXXX creditors in court. I am trying to avoid that as I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Debt collection (I do not know) with Immediate Credit Recovery (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I got a letter from a collection agency saying that I owed a high a amount of money back. For what what I do n't know. I see that it was opened on XXXX XXXX. XXXX. Saying I owe for a loan for schooling within years that 's I never attended. I attended college in the year XXXX and finished. After i got my certificate I started working with my XXXX and never attended school after that. I never ever opened up or took any school loans out. So when I seen that this was for XXXX it set a red flag for me. Becauae I became pregnant in XXXX and I stopped work for a year. I do n't understand why I 'm getting this collection agency saying I owe money when I never attended school or anything for two years sense XXXX. I strongly feel this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OR).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Citi Bank/Citi Cards website has not been working properly for two months. I am getting billed for what is probably the right amount, but when I go on line to print a copy of my statements for my two credit cards, they are not available.

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 03-02-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Contacted XXXX, my account rep at Ditch 2 days ago and never received a call back regarding a loan modification. I want to stay in my home, submitted additional documentation that should qualify me for a modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit card () with PAYPAL HOLDINGS INC. (MI).
Issue: Credit determination

Complaint: Some months ago, as I was going through PayPal signing up process, I was also enrolled in PayPal credit without my knowledge. I only recently found out about it. I never requested this line of credit. I am afraid it affected my credit score which most likely affected my mortgage rate from a recent house purchase. I do not want PayPal credit card. I have no use for it. I would like PayPal to correct their action, but I am afraid that getting rid of this line of credit will again hit my credit score. Who is now responsible for the additional interest rate that I will incur over the life of the mortgage?

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I called fedloan on XXXX XXXX regarding my intent to pay off the loan because I was refinancing the loan privately. They informed me the amount would be XXXX which was confirmed online and advised I should put a stop payment on the monthly payment so that we do n't overpay if we were going to send a check for the complete loan. We sent and they cashed the full amount. We followed up today and they said we still have over XXXX dollars outstanding. They are unable to tell us how and why and how this figure adds up and how the loan repayment amount was different and how the payment was allocated that resulted in an extra XXXX dollars. 
Please help and request fedloan look into this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The account ( s ) listed herein are inaccurately reporting on my Consumer Credit Report. XXXX and XXXX. I request that the items be re-investigated and removed from my credit report.Please remove all items that the creditor who has reported them can not verify. I request my private right to action pursuant but not limited to 15 U.S.C. 1681i ( a ) 15 U.S.C. 1681s-2, 15 U.S.C. 1681s-2b and 15 U.S.C. 1681s-2 ( 6 ) ( A ) ( B ). See : XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX ). The burden to conduct the reinvestigation is on the credit reporting agency. It can not be shifted back to the consumer. I additionally request that Experian go beyond a cursory investigation into the reliability of the information that is reported by the alleged creditors and or collection agencies.

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 10-11-2016 about Bank account or service (Checking account) with AMERICAN EXPRESS COMPANY (FL).
Issue: Making/receiving payments, sending money

Complaint: American express serve is committing Fraud for personal gain.XXXX 2016 I made a purchase from XXXX in the amount of XXXX and change XXXX did not have the items in stock so XXXX immediately cancel the transaction on XXXX XXXX 2016. Every since XXXX cancel this order my bank has be refusing to release my fund back into my available balance for fraudulent purposes and give different dates when fund will be available due to the fact they fear liabilities and do n't trust they customers XXXX XXXX 2016 the same situation occurred and fund got released on the XXXX of XXXX 2016 after merchant verbally told American express they will not collect the fund and put the funds back in customer account but American express refuse due to fraudulent purposes and again with lady ft locker. American express is now changing the time frame from XXXX 8 days regarding my XXXX purchase which was not in stock to release my funds when there a history of 7 days before they release my funds on a cancel transaction. American express serve is Committing fraud and I seek relief

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Student loan (Private student loan) with AES/PHEAA (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: On XX/XX/XXXX I failed to pay my monthly amount due of {$620.00}.
On XX/XX/XXXX, I requested my original loan documents via fax and they were never produced.
On XX/XX/XXXX I received the first collection call at XXXX XXXX from XXXX. 

On XX/XX/XXXX I received a collection call form XXXX. 
I spoke to a representative of AES and told her that I could not continue to make payments because I had been unemployed and would not be able to catch up until XX/XX/XXXX at the earliest. She told me she would send it to the workout team and let me know. I asked them to stop calling me. I never heard back other than the constant harassing phone calls. 

On XX/XX/XXXX I received a collection call at XXXX XXXX. from XXXX. 

On XX/XX/XXXX I received a collection call at XXXX XXXX. from XXXX. 

On XX/XX/XXXX I received collection calls form XXXX at XXXX and XXXX XXXX. 

On XX/XX/XXXX at XXXX XXXX. I placed a call to XXXX and spoke with XXXX, Agent ID XXXX. I told her that my request for original loan documents had not been received and she said I would get them in another 10 days. I reiterated my request that they stop calling me since I was unable to pay my loans and that I would not be able to begin making payments until at least XX/XX/XXXX. She said they would not stop calling me until the loan was " processed out of their system ... in approximately 180 days. '' On XX/XX/XXXX I received collection calls from XXXX at XXXX XXXX. and XXXX XXXX. 

On XX/XX/XXXX I missed another installment of {$620.00} plus late fees from the missed payment in XXXX. 

On XX/XX/XXXX I received collection calls from XXXX at XXXX XXXX. and XXXX XXXX. and from XXXX at XXXX XXXX. 

On XX/XX/XXXX I received collection calls from XXXX at XXXX XXXX. and XXXX XXXX. and from XXXX at XXXX XXXX. 

On XX/XX/XXXX I received a collection call from XXXX at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Calvary Portfolio is threatening to sue me for an old debt they bought that is out of the statute of limitations for California. They have also failed t mail me a letter 5 days after calling.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My brother and I have the same first name and last name with different middle names. We have different birthday and social security numbers so we did n't expect the report to be mixed up. This can create some issues. For example, my brother just got a car loan but it 's not my car loan. When I wanted to ask for credit report, they asked me if I have a car loan which I do n't have but they said the identity test failed. It 's really stupid because they could have checked that the middle name, date of birth, and SSN are different.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation