milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In 2010 I was forced to move because of my job. The bank attempted to foreclose on my home without any late payments and would not allow me to rent my home to anyone. The deed of trust said I had to live in it. The mortgage counselors said I had to miss payments in order to gain protection from the law. I had to fight the bank and the final resolution was a deed in lieu with the understanding that they would correct my credit bureau. They did not correct it and it is currently reporting as a foreclosure. I have disputed this information repeatedly and spoken to the bank but I have no resolution to this day.

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 04-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I should not have judgements against me with XXXX or XXXX both of these accounts were resolved with a debt relief program I am in, I am paying on both of these accounts and no judgement for money should be showing both were settled between the debt relief program and the creditors XXXX and 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 10/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (AR).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: This is in regards to the Government taking action against Citi Bank with a {$700.00} XXXX judgement and returns to 8.8 Million  accounts. 

Citi said and shows a balance owed me at {$730.00}. However if one divides 8.8 Million into XXXX XXXX  it looks like each account would receive over {$5.00} XXXX. My refund doesn`t even come close to that amount. So who is getting those {$5.00} XXXX refunds. Amount is just a quick estimate as you know.

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 10/18/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm a victim of identity theft and someone else has been trying to open account in my name and I have some inquiries on my credit report I only have XXXX account with municipal credit union but it has XXXX inquiry from them XXXX/XXXX/2016 do n't belong to me and the company by the name of XXXX XXXX have XXXX inquiries on my credit report when I only supposedly should have XXXX from XXXX/XXXX/2016 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 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Please see attachment On    XXXX   XXXX    XXXX  f raudulent inquiries were removed from my credit report. While utilizing  3rd  party to monitor my credit report on   XXXX   XXXX   XXXX   I found that same inquires were re inserted back on my account with a transunion. This is a FCRA violation no notice was ever mailed to me within this past year telling me that the inquires would be added back to my account and this has made my  credit score drop tremendously. Transunion states that I must contact the creditors to have this removed and that is not fair to me to recontact the creditors that already move d the inquires last year peep my request. Transunion asked me to fax in proof of the removals and I sent in the proof and nothing has been done to date

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 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX, Extortion, Predatory lending, Incompetent Employees, Inaccurate reporting, the list goes on. 
The amount is, {$4400.00} They somehow managed to still say that I owe, when I've paid well over {$13000.00} so far for a 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 01/30/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Multiple wrong address information..on my Experian, XXXX and XXXX credit files XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX../..XXXX XXXX XXXX XXXX, XXXX XXXX../. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX../.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ../.. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ../.. 
XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXXXXXX 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 07/21/2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: am unable to " validate '' to get both my XXXX and EXPERIAN credit reports : the validation questions from both credit reporting agencies have questions about mortgage ( s ), student loans and auto loans I have never heard of, as well as multiple choice answers that are unrelated to me. When I choose " none of the above '' to all of the validation questions, I am 'told ' ( via website ) that my information does not match. That is ridiculous : the validation questions do not pertain to me and my 'none of the above ' responses should be accepted. I suspect that XXXX and Experian have merged info about another consumer. Someone named " XXXX XXXX '' crops up now and again. I do NOT have any idea who that person is!!! I am a homeowner and have lived at my current address since XXXX 2012 ; I suspect Experian is somehow not using the right address information. 
I have XXXX auto loan ( with XXXX XXXX XXXX in XXXX, MI ) and my mortgage is with XXXX XXXX XXXX in XXXX. I do NOT have student loans or any other mortgages or auto loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: This complaint concerns Synchrony Financial. Synchrony Financial offers store credit cards with deferred interest. I had a store credit card with XXXX 's XXXX. Another furniture retailer, XXXX XXXX XXXX XXXX was able to use this existing account to process a transaction. The terms of the transaction were such that I was able to get 18 months no interest on the purchase. The purchase was for XXXX. Due to an issue with the store, I sought a refund and the store agreed. The store put a XXXX credit. However, instead of XXXX out the account, Synchrony applied the credit to a different Synchrony account I had with another vendor, XXXX XXXX. The XXXX XXXX card had a larger balance and a longer no interest term, ( 4 years instead of 18 months ). I believe this was intentionally done by Synchrony. Now I have to make two monthly payments instead of one, and I have a high balance on account with a shorter no interest period.

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 12-06-2017 about Mortgage (Conventional home mortgage) with Selene Finance LP (NY).
Issue: Trouble during payment process

Complaint: FRAUD. Selene Finance is not a registered party on the property as confirmed by XXXX, XXXX XXXX  City Registry. 

In their response by XXXX XXXX on behalf of Selene Finance LP dated XX/XX/XXXX, XXXX XXXX failed to provide an explanation to : " Selene Finance is to specify their relationship and affiliation to XXXX aka XXXX as to which they referenced in their response Paragraph 3 line 2. '' This is my third request for Selene Finance to clarify their relationship to XXXX aka XXXX that XXXX XXXX made references to in her letter dated XXXX XXXX. 

Since Selene Finance failed to provide an explanation to their relations/affiliations with XXXX, I have contacted XXXX XXXX City Registry ( XXXX ) and XXXX. I was made aware that neither XXXX aka XXXX nor Selene Finance LP have registered on the property. 

This information is a PUBLIC knowledge and can be verified by XXXX, XXXX XXXX City Registry and XXXX. 

Please investigate why XXXX aka XXXX aka Selene Finance are not registered as required and are operating in a FRAUDULENT manner. 

*Note : no additional authorization is required to contact XXXX, XXXX XXXX City Registry that will provide the verification of the above

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Received a reply from experian today that the information will remain the same nothing was verified at all. Have reports from the bankruptcy itself stating that they do not report to credit agencies. To Whom It  May Co ncern : I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing a   Bankruptcy in I do not have a Tax Lien or Bankruptcy.
( UNITED STATES BANKRUPTCY COURT DISTRICT MINNESOTA ) does not report ( type of file - Tax Lien or Bankruptcy ) to credit bureaus.     Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens.     A Bankrup tcy filing is public information. Again, ( UNITED STATES BANKRUPTCY COURT DISTRICT MINNESOTA ) does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. ( CB Name-  XXXX  ,  XXXX  , Experian ) has found information on ( type of file - Tax Lien or Bankruptcy ) through third party research.      Please validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.     Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, section   623 ( a ) ( 3 ), and I am keeping careful record of your actions.
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

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 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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: My information was exposed during the Equifax Data Breach. Shortly after being notified of us, I noticed 5 separate accounts listed on my XXXX, Equifax and XXXX reports which were the result of misuse of my sensitive personal information. I promptly filed an ID Theft Report ( including 3 separate police reports ) with these credit bureaus. The information was sent to Equifax using XXXX Tracking XXXX. Sent to XXXX using XXXX tracking XXXX. And sent to XXXX via XXXX XXXX Mail XXXX ( i do not have the tracking offhand ). In my identity theft report, it stated that these accounts were the result of the misuse of my sensitive personal information. I included a copy of my birth certificate, my New York State Issued ID, XXXX Card and proof of my address. I asked for these credit bureaus to block all of the fraudulent information from my credit reports. XXXX  complied almost immediately although all of the inquiries on my report are a result of fraud which they did not remove. I followed up with a letter with XXXX but have not heard back at this time. XXXX and Equifax removed one of the accounts but XXXX of them still remain. I am filing a complaint because I do not believe that anybody should have fraudulent information appear on their credit reports. It is not fair to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (NJ).
Issue: Struggling to pay mortgage

Complaint: Complaint to cfpb : Homeowner is facing EVICTION from her home of 42 years. Defendant lost the Foreclosure Mediation action, filed in XXXX County NJ Sup. Ct. How she lost the foreclosure case ( through participation in the NJ Mediation Program is a mystery! Defendant is a XXXX year old, single, XXXX woman who is retired, with no income, no employment and no asset. She is a victim of the predatory lending tactics of CHASE Bank XXXX XXXX XXXX XXXX XXXX XXXX. These banks made inappropriate loans to Defendant knowing she could not repay them. Without regard to whether this struggling homeowner could repay the loans or not, CHASE and XXXX XXXX issued a total of 4 loans to her, including 3 HELOCs. These predatory lenders now seek to benefit through foreclosing on this homeowner. The " banksters '' were clearly at fault, knowing their loans were unconscionable and not fair to Defendant. I an waiting with bated breath for the arrival of uniformed Sheriff Office personnel at my foor, with foreclosure sins. I have nowhere to go. While I am on long waiting lists at several Senior Housing Projects, nothing is currently available. ( I was rejected for residency by one local HUD-subsidized Senior Housing Development because I had to file in Bankruptcy in connection with the Foreclosure case. ( The Bankruptcy case has been dismissed, but the mere fact that a Bankruptcy petition has been filed within 5 (? ) years may continue to bar my applications to other subsidized housing.
The prospect of homelessness is especially painful to me because the total amounts the lenders claim are due, were never received by me. I have received no cash, only on paper. The lenders financial documents are confusing. Accounting entries are intentionally erroneous ; obvious instances of 'robo '' signing/forgery even appear in some recorded documents. CHASE 's loan Summary Statement, e.g. is deliberately fraudulent and has been reconstructed and revamped. CHASE blocked advances from its account in XX/XX/XXXX. The XXXX XXXX account includes flagrant overcharges, expensive forced insurance costs and unwarranted fees. The combined indebtedness from the predator banks totals more than {$350000.00}, thus preventing my sale of the Property and leaving no relocation funds for me. I would appreciate the CFPB 's assistance in helping me to delay the public auction of my house/investigate/confirm the actual amounts due/and if possible, save my home Sincerely, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I graduated last 2007 granted with a XXXX XXXX at XXXX - online base in XXXX XXXX XXXX. I have been paying my loans and when it starts I was on my XXXX $ after 2-3 years my balance is still the same. 3 months ago I filed for defferment to this loan due to my work status changes to part time. This XXXX the repayment of the loan will start again and according the representative that I spoke with last time that I have exhausted my defferments and I can not reapply again and I have no choice but to pay my loan monthly. Please help me on what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: What I believe is a strategy to enforce the use of XXXX ( owned by XXXX ) I have requested my credit report from Equifax and XXXX and the supporting documents I submit ( Copy of driver license with my full address and copy of SS card was deemed insufficient. XXXX submit the credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-01-2016 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (OR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: : CAVALRY PORTFOLIO SERVICE & XXXX XXXX XXXX Account # XXXX {$370.00} Account # XXXX {$410.00} In a recent review of my credit report, I noticed that this company has placed an erroneous and derogatory entry, claiming that I owe {$370.00} & {$410.00} I have no account with them, nor have I ever. The account number referenced above is all the information that I have concerning this alleged debt. Since ( XXXX XXXX ) ( CAVALRY PORTFOLIO SERVICE ) i believe are the same companies saw fit to place these item 's on my credit report, they obviously have all the information they need in order to investigate and correct there error. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay these debts, and there is some contractual obligation which is binding on me to pay these debts. Please also be aware that a sworn affidavit from there compliance officer does not constitute a valid validation of these debts. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all telephone collection. I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. 

I also hereby reserve my right to take private civil action against you to recover damages.

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. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On X/X/17, I received word via news that an Equifax data breach could have effected me. I followed the prompts to find that I was possibly effected. I placed a fraud alert with the credit bureaus. I 've also found out that 3 executives in the company sold a combined 1.8 Million USD in company stock 2 days after being notified of the breach, but before going public. There is also speculation they knew of the breach 3 months prior to notifying the public. This is a disgrace. These are people 's social security numbers, birthdate, addresses, etc. Extremely carelessly handled and then possibly profited from. Is the system rigged? 

Equifax has offered me one year free credit monitoring from one of their companies ( surprise ). It contains legal language which you are waiving your right to sue them. This is included in the free monitoring, which is obviously a ploy to get citizens to waive their right to sue and sell their own product to you because of their XXXX XXXX. Free for a year and what do you have to do to opt out? Call in a year? 

I should have free credit monitoring for life, as what stops those who bought the information from keeping it over 1 year only to use it when my guard is down? 

I 'd love to see some accountability. I 'd love to believe this system works. Please consider prosecution to the fullest extent of the law

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Loan servicing, payments, escrow account

Complaint: have been denied all avenues with BOA, so the terms of my HELCO converting to 180 month payment, 3.5 %, {$84000.00} monthly payment of {$710.00}. It appears that the monthly payment should be {$600.00}. I was told this is what in on the system so it must be correct.

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