milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: the problem I have first came to my attention when I asked for an increase limit on my credit card and was denied the return letter from the credit card company stated my credit score was XXXX. I had signed up for a credit watch with trans union which stated that my score was XXXX+ and other s have it at over XXXX who is not telling the truth I think I am kett artificially low on purpose can you help

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 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I sold a car, a  XXXX   XXXX , several years ago. The car is no longer owned by me or anyone that I know. It was purchased sometime in around  XXXX  or  XXXX ,  XXXX , in  XXXX ,  XXXX . I sold it in  XXXX ,  XXXX , in  XXXX ,  XXXX . I no longer have any records for the vehicle. The only information I have is a loan number that shows up on my credit report. When I applied for a loan to construct a new home, the bank asked about it. I reported it to the bank and to credit reporting agencies as an error, a closed transaction that should not appear on my report in  XXXX ,  XXXX . I respectfully request your assistance in having that  XXXX   Loan  acct taken off my records.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Problem with fraud alerts or security freezes

Complaint: Transunion, XXXX and XXXX all make freezing and thawing my credit extraordinarily difficult. Even in times of obvious and publicized hacks of their databases -- putting my and millions of other American 's secure information in the hands of criminals -- they are making the act of freezing and thawing my credit nearly impossible and re-directing me to PURCHASE products from them to prevent my information from being stolen. HELLO!? 

The U.S. government needs to step up and take the keys to the castle away from these fraudsters. It 's time to take control and start saying no to the companies that are acting no better than the petty thieves and hacks corrupting their databases.

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 06-06-2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I do not have a contract with Ad Astra Rec in the amount of {$1100.00}. I am not liable for collection of this debt from  AD Astra Rec. I  am not responsible for this debt and would like it removed from credit report!! I have been contacted by this agency on numerous cases threatening me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Attached are the images supporting my description of the problem : I received a letter from Diversified Consultants, Inc dated XXXX XXXX XXXX on the XXXX of XXXX XXXX. It said if I did n't contact them within 30 days they " assume the debt was valid ''. 

I called them on XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I refused to give them the phone number I was calling from, my DOB, my SSN, my email, my mailing address or any verifying information other than the account number with their institution. I was told that without additional information they could not help me. 

It is a falsified debt. I refuse to agree to allow them to XXXX from me. This is illegal and against the rights of an ID Theft victim. 

This XXXX XXXX XXXX XXXX' is totally bogus and a scam. Saying I " May '' be eligible for a XXXX} credit card from XXXX XXXX XXXX. " Click here to complete a survey and you may receive ... .. '' These are electronic theft tactics. 

This is the third debt collection agency who has submitted a falsified debt for a " XXXX XXXX XXXX ; however the email from XXXX XXXX XXXX XXXX division, dated XXXX XXXX, the day after I received the email the account was opened, XXXX, which states it is fraudulent if it is NOT sent to an XXXX XXXX XXXX' domain -- - then I do not have an XXXX XXXX XXXX account. They gave explicit instructions and I followed them. I have enclosed the XXXX XXXX XXXX XXXX Department email. Perhaps DCI would be wise to read and follow their instructions for discerning " real '' vs " fake '' XXXX XXXX XXXX accounts in the future before threatening to collect and claim a " debt is valid unless we hear from you in 30 days ''. I hold no malice against XXXX XXXX XXXX. They are a fine XXXX XXXX organisation If I had an XXXX XXXX XXXX XXXX account, the email would NOT have been sent to a XXXX email account. Communication would have been have been sent to an XXXX XXXX XXXX account. That is what I tried to tell DCI when I attempted to make those three XXXX XXXX ) phone calls to save them the embarrassment of being made to look ridiculous and lacking in fiduciary skills. They refused. To fall within their demand of thirty ( 30 ) days, I have no other recourse except to file a complaint as A FALSIFIED DEBT COLLECTION MADE BY A DEBT COLLECTOR against Diversified Consultants , Inc . 

Thank you very much CFPB for providing a vehicle to post and share our experiences so that others can learn and we can learn how to protect ourselves from these greedy people who take advantage of the internet theft and protect ID Theft victims. 

see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is reporting a XXXX account as charged off in XXXX. I disputed this information because this account was charged off XX/XX/XXXX. XXXX is showing the correct charged off date. Experian updated the account with the incorrect charge off date. They refused to further investigate the account and will not allow me to re-dispute the account online. This is incorrect information. I would like to have the correct charge off date reported or remove the tradeline from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2015 about Consumer Loan (Vehicle loan) with SECURITY NATIONAL AUTOMOTIVE ACCEPTANCE CORP (NV).
Issue: Managing the loan or lease

Complaint: Security National has wrongfully repossessed my car on XXXX separate occasions. The first time my car was repossessed, Security National made an error on processing a payment deferment and repossessed my car while I was serving a 12 month XXXX. No notice was given after the repossession and my wife believed the car to be stolen. Upon further inspection after returning my vehicle there was significant damage to the front of my car consistent with the repo company improperly towing my vehicle. I immediately notified Security National of the issue and sent detailed photos of the damage. My complaint was however ignored and I was never compensated for the damages or the loss of use of my vehicle. A year passed since this incident and I was forced to file chapter XXXX bankruptcy for some uncontrollable circumstances. I filed a successful motion to redeem my vehicle from Security National at the fair market value. Security National failed to adhere to the court order and held the title to the vehicle in excess of 30 days after the funds had been received far exceeding the 3 day mandated surrender of the title annotated in the court order. During this time they continued to aggressively seek the recovery of my vehicle by having repossession agents come to my home. I contacted Security National about this issue and was told by a representative that they were still seeking to collect a debt from me and were unaware of any court documents sent to them even though the check sent to them had been cashed almost a month prior. It was n't until I was put on an extended hold and told that the documents had been magically found that I was reassured the issue would be resolved and the account would be closed, the title sent out and the repossession efforts would cease. Almost two weeks had passed following this conversation and another repo agent successfully repossessed my vehicle on a Sunday at my residence. I was unable to seek any kind of help because of this and was n't able to contact Security National till the following day. The repo company blamed Security National for not rescinding the repo order and Security National blamed the repo company for not receiving notice to cancel the order. Irrigardless of their communication issues I was still a victim of my car being unlawfully repossessed when Security National had no legal ownership of my vehicle. Again, I was never compensated for the inconvience or loss of use of my vehicle for this second wrongful repossession. The disorganization of this auto lender is appalling and I feel what has happened to me is unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I contacted this agency on  XX/XX/XXXX   . The information on my credit file states I had a car loan with them, when I never had a loan with them. The date they state I opened a loan is the same date I opened my loan with   XXXX   XXXX   Who is currently my finance company and always have been since  XX/XX/XXXX ! I attached copies of my   XXXX   XXXX   documents!  Proving Santander consumer company was never my finance company and I still possess my vehicle! I am a victim of fraud! I have contacted my lawyer then fbi! Santander  consumer is fraudulent!! They are keeping me and my children from home ownership!

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Application, originator, mortgage broker

Complaint: Firstly, I was sold a pick-a-pay loan, which is illegal to sell to consumers in the state of Illinois. My loan was closed without a notary present. The notary 's signature was a copy, which is not accepted by the XXXX XXXX. It was not disclosed that my minimum mortgage payment could triple which it did. On top of this, the mortgage company took out an insurance policy with XXXX XXXX XXXX because they new we would default. A claim was processed by the mortgage company but denied by XXXX XXXX because of fraud. I left letters from the XXXX XXXX acquired through the department XXXX verifying this. According to XXXX XXXX, nothing has ever been recorded with them. When asked for copies of the origination papers ( requested several times ), there is always a different title company listed. The application was computer generated with a copy of my signature ( very obvious copy ). The application shows my title at Vice President and making {$8000.00} per month. They are stating that an equity line for {$35000.00} was taken 1 year later that I do n't recall. The only origination paperwork they have for this equity line is the exact same application used for the the mortgage, a year later. According to IRS transcripts, I was only making {$2500.00} per month. I was never a Vice President. My house is only XXXXbathroom. Sold comps in my area show that the value is about {$180000.00} but they keep insisting that it 's worth way more. They added forced-placed insurance on our file for several years, even though we 've sent them proof of insurance many, many times. They deny everything! Please refer to previous complaint # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Denial received on all even though I supplied proof.

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 06-08-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: On XXXX/XXXX/2016 I attempted to set up auto pay on the Navient website. They said it was not available. I waited until XXXX to try again. They have already marked my payment late. This is the second time since they took over the loan I have been prevented from making a payment and been marked late. My loan was suppose to be income sensitive. It has lost that status since they took it over.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Billing disputes

Complaint: I returned an item I had purchased at XXXX, who issued a refund to my credit card on XXXX XXXX, 2015. The credit has never been posted on my BP credit card with Synchrony Bank. Despite countless calls, promises, " glitch on computer screen '', they have never posted the credit to my account. I have in-hand a letter dated XXXX XXXX, 2015 stating that the credit was applied to my account on XXXX XXXX, 2015. This simply is not true. I have gotten nowhere with their customer " service ''. This past Monday, XXXX XXXX, I was assured by someone named " XXXX '' in the disputes dept that the credit would be posted to my account " within the next 24-48 hours ''. He gave me what he said was a direct line to him and a call-back number. I called that number today and it " is not a working number, or has been disconnected ''. I could write you a book on all the reps I 've spoken to and the shameful runaround I 've been given, but suffice it to say that they have had possession of {$960.00} of my money since XXXX XXXX and I see little hope of getting it back in dealing with them directly. This is the worst customer " service '' experience I 've ever had. I 'm XXXX years old, and certainly I 've had many of these occasions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/17/2016 about Other financial service (Debt settlement) with Keaveney Legal Group, LLC (NJ).
Issue: Fraud or scam

Complaint: hired foreclosure defense group charged me a starting fee off XXXX plus monthly payments of XXXX for a loan modification and protect the house from going to foreclosure, house was sold and forclosed. no idea if we were approved or denied the modification no notice of redemption period withdrew money even when the house went to public sale, sheriffs sale and when house was sold. most communication was via email some phone messages but not many. was told to just keep sending the necessary documents as needed and we did. lead us to believe all was going fine. Only time we spoke with the attorney was when he told us that the house was sold and we would eventually be evicted. The people that we dealt with on a regular basis were only customer service representatives, not even parrallegals or lawyers. Now were fighting for our rights and our home. Trust is a very hard issue and we have never felt so taken advantage of. The law firm had plenty of time to file a TRO ( temp restraining order ) and an emergency chapter XXXX. What these people did was they were dual tracking of the loan with the mortgage company. So unjust and wrong. The completed contract should have the attorneys signature and it does n't, wondering if it was all real or fake. We have lost the most dearest memory of all our home.

Company response to consumer: Untimely response
Consumer complaint received 06/25/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Unsolicited issuance of credit card

Complaint: My husband and I had an Identity Theft problem which effected several areas, someone had taken payday loans out of our local bank, this was resolved by the bank internally, and the bank drew back over {$5000.00} from the payday loan companies to replace the money they had taken. Several credit card companies also harrassed us for some time, we reported the problem to the Federal Trade Commission, the A.G. office, and we filed Identity theft forms with several agencies. XXXX XXXX has now filed a lawsuit on a credir card company, Capital One who wrote off the claim, and sold collection rights XXXX XXXX XXXX. The XXXX XXXX from Capital One was issued in XX/XX/XXXX, that is the card that we are being sued for an amount of about {$1800.00}. Capital One issued a Capital One credit card to my wife in XX/XX/XXXX, why would the same credit card company issue another card when the other card, different number issued again in XX/XX/XXXX. We asked XXXX XXXX to produce a signed application document with Capital One to prove that my wife never signed for the credit card we are being sued for, they never provided this or a complete paper trail we asked for, what else can we do? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Funding , LLC continues to contact me either by phone or by mail regarding a XXXX XXXX account which was not mine. I have told them they have the wrong person and they have verified it on the phone with me via cross referencing the SS number of the account holder and my SS number. They contend they will take my information off the account each time I talk to them and then something pops up from them again every 3-4 months. I think they have people looking for something to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (VT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: When I signed up for XXXX I agreed on a one year contract that was what the lady said on the phone with me. I never missed a payment the whole year and when I decided to cancel due to the fact that it kept going down they said I had to pay a fee for not staying with them for 2 years. I called and disputed that till the guy on the phone got very vulgar and demanding.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Loan modification,collection,foreclosure

Complaint: My home was sold at foreclosure by XXXX XXXX XXXX and they did not have authority to conduct it. WELLS FARGO previously in XX/XX/XXXX was in the process of doing a foreclosure sale but it was delayed when I was attempting to get assistance with my delinquent loan status. 
XXXX XXXX, XXXX WELLS FARGO tells me my home is owned by XXXX XXXX. 
XXXX XXXX, XXXX WELLS FARGO tells me my investor is XXXX XXXX XXXX XXXX XXXX ( my first knowledge of XXXX. ) XXXX XXXX, XXXX WELLS FARGO tells me my review for assistance was discontinued as of XXXX XXXX, XXXX because it was being service transfered to XXXX XXXX. 
Neither WELLS FARGO or XXXX XXXX will finish answering the questions about my home and as far as XXXX is concerned, XXXX XXXX XXXX is just a scam and they instructed me not to work with them. I have not seen anything that looks like a title transfer or transfer of a deed to anyone and the person who holds title to my home now is evicting me without having the legitimacy to hold a FED, due to the foreclosure sale being done by XXXX. 
XXXX XXXX XXXX XXXX, XXXX, D/B/A XXXX XXXX ... ... for XXXX is now trying to evict me as the new owner and is doing so with the same attorney as WELLS FARGO used in my Oregon Foreclosure Avoidance mediation case.

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 04-08-2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: When I apply for a car loan my father 's credit report is shown, not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX/1990 ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
B RENT RECOVER XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within XXXX business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XXXX/XXXX/1990 ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 05/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: MCM continues to report this account to credit bureus as open and continues to report an amount that continues to rise each time. They have not yet validated this account or amount when asked through letters.

Company response to consumer: Closed with non-monetary relief