milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-06-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: On XX/XX/XXXX, I expressed interest in XX/XX/XXXX, XXXX ( XXXX ) that I found on XXXX, at a dealership named XXXX TN. I was instructed to go back to the website and apply with their lender, XXXX XXXX. I was pre- approved for {$39000.00}. ( XXXX ) I was emailed contact info from XXXX XXXX, though I eagerly anticipated purchasing this vehicle I stopped hearing from XXXX.On XXXX XXXX, I emailed XXXX XXXX ( XXXX ) and told him I was no longer interested in purchasing that vehicle or doing business with them. I asked that they properly discard my personal info and since I was pre approved, I should not be receiving a denial letter. I found a XXXX, at a dealership in XXXX AL, I was approved on XXXX XXXX by XXXX XXXX and took a XXXX bus on the XXXX XXXX, signed the documents and drove my truck back to Georgia.Though I 've been driving my truck for almost a month, as recent as today ( XXXX ), my credit is still taking hits ( XXXX ) by being denied financing for a vehicle I requested that I was no longer interested in.Despite being pre approved by their lender and approved by XXXX, My credit is still taking hits!

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: After Reviewing My Experian credit report I found their was a bankruptcy showing on my report. I first contacted the reporting agency as seen on my credit report, NJ bankruptcy court via mail. They wrote me back indicating that they have no correspondence nor do they report to any of the XXXX credit bureaus. I then contacted Experian and requested that they validate this negative account and provided me with copies that clearly state that NJ bankruptcy court is n't reporting to their agency. I received a letter back from Experian stating that they have validated the debt. They have not provided any such documents bearing my signature, or any documents supporting their claim to be valid. I sent Experian certified letters on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX asking again that they validate the alleged debt and if they cant please delete the account from my report. I noted in my letter that proof of validation is a document bearing my signature, or any court documents stating that they our reporting a Bankruptcy to their agency. As of XXXX/XXXX/XXXX Experian is still reporting bankruptcy on my credit report.

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 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I monitor my credit report and score with all 3 credit bureaus. I believe my credit report and score is unfairly scrutinized and calculator. I pay all my bills on time and according to the reporting agencies, my score is updated twice every month. However, that is not the case. I am working on a payment plan with one credit card company and it turned out I had one missed payment. Suddenly, the reporting agency decided to update my score and take away 70 points! They suddenly did this as soon as they received information about the one late payment, but never gave me credit for always paying my bills on time. That is very discriminating and should not happen to anyone. Now, I do not know what to do to fix this. This mainly applies to THE BANK IS XXXX XXXX XXXX XXXX XXXX. I fear this is tearing down a person who works hard everyday to pay bills on time and do things the right way. Destroying my credit like this is a path to destroying my future endeavors that I am working towards. Please 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 07-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (FL).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I submitted Jet Blue Barclay Mastercard credit application inflight on Jet BlueXX/XX/XXXX I submitted in error, boyfriend wanted one opened in business name, I submitted in my personal name. I called Barclay Credit DepartmentXX/XX/XXXX, XXXX to try and cancel application and they said there was nothing they could do according to supervisor?XX/XX/XXXX! I ask to speak with supervisor and they refused and said there was no one else I could speak with. Gave me PO Box of Barclay. This would not assist me in preventing my application from being processed, therefore requiring me to close account going against my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: In XX/XX/2017 I made a purchase under {$35.00} at my local XXXX. I use my XXXX XXXX XXXX card. I travel for work any only have my mobile phone. I did not return home until XXXX. First, I thought I paid the card in full. Second, my 840+ FICO took a dive. I immediately pulled a credit report and found a 30 day late score on my report. I contacted AE fraud department. They put a fraud notice then transfered me to their fraud division. The man I spoke to gave me information and I told him it was my charge. He then transfered me back to customer service and I paid the bill. I have 43 years of stellar credit with accounts going back to the mid 70 's. 
This particular account was over 10 years old with a large line of credit. All my credit cards are paid in full each month. Each person I spoke to were unwilling despite the issues of there phone system and the issue of using a cell to access their site. Note : because I am on the road I monthly check the balances of each of my credit sources. 
I appealed up their chain of command. Finally I spoke to a XXXX in Wells Fargo who sounded XXXX bias. She was extremely curt and rude. She said she would send out a letter and again I explained that I was on the road. My credit had dropped to the 760 range. 
Late XXXX I was home and read the letter. I took my information and made an appointment with the local Wells Fargo branch manager. She listened and appealed up her change of command. She also addressed the issue with XXXX XXXX. In XXXX XXXX XXXX called my for the final time. In XXXX my credit score dropped again this time down to 721. What had changed? I paid off my car 2 years early as well as one complete student loan. So I called XXXX and found out that in XXXX wells Fargo XXXX XXXX updatef my account reflect that I had an overlimit in my history. Once again I called XXXX XXXX and spoke to an onshore representative who then reviewed the entirety of my account. They noted that note only had I never got close to approaching that ever in the decade of having the account. Also from what they could see on the there was now no indication that the account had an over limit. I have multiple credit sources all excellent. Four decades of perfect credit, house and car loans most paid in full and use credit regularly with no issues save this one. Please help me get my good name back!

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 06/26/2015 about Debt collection (I do not know) with Capital Management Services, LP (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving letters and calls from XXXX funding about a debt they claimed I owed. A few years ago, I asked them to provide proper validation that it was mine ( a statement from the original creditor or even the signed agreement that I signed up or agreed to the credit ) but they could not do so, so I requested they remove the collection from my credit report and they did. 

Then it looks like they sold that debt to Capital Management Services , LP and they are now claiming I need to pay THEM. When does this end? The alleged debt from what XXXX told me, was from YEARS ago supposedly ... is n't there a Statue of Limitations on how long they can keep contacting me and threatening me to pay them this debt? Please help ... this is not mine to owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07-06-2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm trying to do a short pay on the property deeded in my name, the original loan was in my ex husbands name ; so I 'm trying to get the loan in my name. My ex husband was the victim of predatory lending and the mortgage on the home is what lenders call " upside down '', when my ex husband left he filed bankruptcy on the loan and I started paying it so I would n't lose the home. At one point it went into foreclosure because of the monthly payment and I was unable to pay it. I would like to get this mortgage in my name and not have to worry about it going into foreclosure again. I was working with the previous servicing company that serviced the loan and the loan was transferred to another servicing company. The current company has been giving me the run around on the loan, I have submitted all documents they have asked for an even proven that the property is not worth the VPO value determined by an estimate they obtained. The servicing company tells me that the variance is determined by a third party vendor of theirs but will not supply me with the name, they have refused to tell me who now holds the actual mortgage on my property and that I have to deal with them. I 'm not allowed to speak with their underwriters or anyone within the company other than their customer service agents. I 've tried numerous times to go through their resolution department to no avail. I finally decided to do some research on my own and found out that this particular company was fined in the past by the Federal Trade Commission for unfair business practices that caused numerous people to lose their homes. I have a XXXX son and I have lived in this home with him and modified it for his use since XXXX. The previous serving company had come to an estimated value of XXXX XXXX and I 'm willing to pay that, the current servicing company is in no way willing to take XXXX XXXX when I 've submitted document proving its value to on be worth that amount and even offered to show them the correspondence from the previous servicing company. The current company is wanting XXXX XXXX more. I 've asked them to justify to me how they can determine the property is worth more than the previous servicing company. Their customer service agents do not forward my estimates when I turn them in and then I 'm told the final decision has been made. Honestly, I think the company is trying to push me into a foreclosure, they contacted my ex husband and tried to talk him into signing a deed in lieu so they could put the house on the market and sell it. I honestly believe this company is trying to sell my home out from under me using whatever means possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: The people at Navient jacked up my payment and even though they have been taking money out of my XXXX account they say I 'm behind in payments.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I am a victim of identity theft. My personal information was compromised and an inquiries were incurred in my name without my knowledge and approval. I sent my dispute to this company on XXXX with all the relevant information they needed to verify my claims but the funny thing is this fraudulent inquiries are still showing on my credit report way past the three days allowable days to delete/block this data. 

please delete this erroneous inquiry from my report asap : XXXX XXXX -- - PULLED LAST XX/XX/ XXXX : PLEASE NOTE the following tax liens have been withdrawn from court 2 weeks ago, there is no record of these liens any longer, please delete accordingly : STATE TAX LIEN ref # XXXX STATE TAX LIEN ref # XXXX STATE TAX LIEN ref # 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 03/20/2015 about Debt collection (Credit card) with Key Management Company of Missouri, LLC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have inquiry alerts through my bank. On XXXX XXXX, XXXX, i received a inquiry alert fromt Banner Finance, DBA Commerce Finance XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Texas had done a hard inquiry. I had a Signiture loan back in XXXX, that was paid. I contact Corporate XXXX Banner Finance and spoke to Secretary XXXX. I ask why was a inquiry done on my behalf, if i had not applied for a line of credit now. She responded that they have the right to collect old debt. So again second inquiry done on XXXX XXXX, XXXX. I believe this Company is unlawfully using my SS # for wrong business. They have never contacted me by phone or by mail. I believe its fraudulent on what is being done. I am requesting for those inquiries to be removed from my credit reporting. Your immediate attention is needed., Thanks Concern Consumer

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 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: I PRESENTED XXXX WITH MY ALABAMA ISSUED DRIVERS LICENSE FOR THE PAST 17 YEARS. SOMEONE WAS LIVING UNDER MY IDENTITY IN XXXX XXXX NEVADA IN XXXX, XXXX. I LIVE IN ALABAMA AND NEVER LIVED OUTSIDE ALABAMA I HAVE ASKED XXXX TO REMOVE ALL NEGATIVE ACCOUNTS FROM MY CREDIT FILE ASSOCIATED WITH XXXX XXXX NEVADA BECAUSE THIS IS NOT ME! THERE IS A XXXX XXXX XXXX XXXX. THERE IS A XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. ATTACHED TO MY CREDIT FILE THAT IS NOT ME. THESE NEGATIVE FRAUDULENT ITEMS ARE RUINING MY CREDIT FILE ALSO THERE IS A XXXX XXXX AND A XXXX XXXX CHAPTER XXXX THAT SI NOT ME. WHOEVER DID THIS I HAVE RESEARCH BETTER THAN XXXX. FILED THIS CHAPTER XXXX ONLINE PROSE. NOT ME PLEASE INVESTIGATE AND CORRECT MY CREDIT FILE. THIS IS MY 2ND ATTEMPT ASKING FOR A RE INVESTIGATION. I HAVE DOCUMENTS FROM ALABAMA THAT SHOW I FILED ALABAMA TAXES XXXX PLEASE CORRECT YOUR RECORDS.

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 02/13/2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (CT).
Issue: Loan modification,collection,foreclosure

Complaint: I recently contacted you regarding my mortgage company CITIMORTGAGE who foreclosed on my property and took over the title indicating I was behind and made no attempt for resolution. In XX/XX/XXXX ; I lost my job, Cit Mortgage was contacted and I was told to send a Hardship letter after which they would send me a package to apply for a modification. Once I received the paperwork which included a work solution form showing all my debts and responsibilities, as well as income, employment etc. On XX/XX/XXXX, I received a response back from the CFPB giving me CitiMortgage feedback indicating that I applied for a modification in XX/XX/XXXX and it was delivered ; however I was making payments in XX/XX/XXXX XX/XX/XXXX because my request for modification came in XX/XX/XXXX after I lost my job. Once I received CitiMortgage feedback, it was confirmed that they never sent my paperwork for review for modification even thought I continued to send them very personal and sensitive information such as my XXXX, XXXX Paystubs, Bank Statement, etc,. In XX/XX/XXXX I begin to question the representative I was working with in the Homeowner Assistance team ; XXXX as to what and where my paperwork was going because they continued to ask me for the same documents over and over again. I also said to him that I was becoming concerned because several representative have requested the same paperwork yet no answer was given on a modification. As confirmed to this date ; CitiMortgage does not show any record of my modification request requested back in XX/XX/XXXX. On Thursday XX/XX/XXXX I spoke with XXXX XXXX XXXX and sent him an email showing an email I received from the CitiMortgage on XX/XX/XXXX confirming all paperwork was received and foreclosure activity will cease while in review and to allow 30 days ; however XXXX XXXX XXXX : asking for a copy show no evidence of not only that email ; but according to the investigation preformed by CFPB, they have no paperwork I have submitted for the last 4 years. My question is where are all documents I sent them because I certainly have plenty of communications showing they were sent and confirmed as being received several times. The question remains ; did they delete my information from their system? My home has been foreclosed on after my hard work and effort to send the bank everything they requested ; but yet CitiMortgage have no evidence of me sending paperwork for a modification but yet they continued to communicate with me by having me continue sending personal and proprietary information to different homeowner assistance team members. On XX/XX/XXXX I spoke with supervisor XXXX ID XXXX who confirmed my paperwork was never sent to an underwriter so why do they have the right to take my home given they have repeatedly lied and practice dishonesty.

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 12/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Due to loss of business, unemployment and financial hardship my home went into foreclosure. I tried to avail myself of different government programs to get relief. I attempted multiple times to submit a short sale application to ChaseXXXX Bank but it seems that the only tactic they employ is to delay, deny receiving documents, claiming they ca n't read them, bullying me and lying. They have shown zero attempt at helping me resolve my issues. I have submitted every document they asked for and in return my attorney keeps telling me they want me to refill and submit the same exact documents over and over again without attempting to give me any relief.This has been going on for years not months YEARS. This is the bank taking advantage of a person in dire financial straits. The house is empty because I ca n't afford to care for it or heat it. It 's falling apart. I have told them this and they refuse to do anything they are obligated by law to do except torture me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am enrolled in credit monitoring and I also review my credit report online often. Today when I reviewed my credit report, XXXX XXXX is listed on my Equifax report as showing me being delinquent for last year XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They had to submit this over recently because this was not on my credit report last year and I do n't recall being 30 days late last year. I even refinanced w/ the company this year so it seems impossible to have been late. I am not sure why this was recently reported on my credit file and would like it to be removed because it is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Mortgage (VA mortgage) with PHH Mortgage Services Corporation (MD).
Issue: Settlement process and costs

Complaint: I am working on an assumption with PHH Mortgage. It 's quite complicated, there are several different entities involved because it was not being processed properly previously. One of the recurrent problems is that they would not acknowledge that documents were sent to them. And they were not making the requirements known to both parties. On XXXX/XXXX/2015 an inquiry was made and their response was that I had not provided the documents. I corrected them and copied the VA regional office who is the final approval on the loan. I also asked that they make sure that the other party was aware of any requirements that he needed to fulfill. The following day the acknowledge receipt of the dcouments that they had then said that they had sent documents for the other parties signature to me. The documents that they sent me had no signature page for the other party and the instructions did not include sending to him. My instructions were to include a check for the required amount the notarized docs and send back. On XXXX when they said they had not received certain documents, it required a large amount of time and coordination for me to confirm that the documents had been in fact been sent to them. To make a long story short, they are making a relatively simple process very uncomfortable, they are not responsive. It has been the same XXXX individuals the whole process, XXXX XXXX and XXXX XXXX. I 've asked several times to have them removed and have the case handled by someone else and even though their previous assertions were proved wrong, documentation was lost, and the XXXX try was very unsatisfactory. We started again with the same individuals, and got the same result. We do n't have the documents, we told you to get signatures or documents from XXXX XXXX ... ... To get this process going I had to contact an attorney, a congressman and the VA Regional Office. Attached is the document they sent to me, with no dual signature requirement, initials, nothing. They did send out the other document to the other party but without acknowledging that it should have been sent out when mine was. Duplicitous is the best word to describe them.

Company response to consumer: Closed with explanation