milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Someone has applied for " XXXX '' using my information and I did not allow this to happen. When i saw this unauthorized inquiry on my credit report, I contacted the credit bureau TRANSUNION to dispute and remove the inquiry. I was told my a representative that the inquiry has been placed under dispute. I have been waiting months and I have not received any news on the inquiry. 


The inquiry was made on XXXX XXXX,2017 from 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 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: account was paid in good standing XXXX XXXX  XXXX Account Number XXXX Account Type Credit Card Terms M XXXX Date Opened XX/XX/XXXX Account Status - Payment Status Late Payment Status Details Bad debt & placed for collection & skip Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance {$13000.00} Monthly Payment {$320.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Account Original Creditor - Company Sold-to - Original Amount - Comments CHARGED OFF ACCOUNT Payment History

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 02/26/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a financial hardship that started XX/XX/XXXX. By XX/XX/XXXX, I started falling behind on my mortgage with Wells Fargo. I immediately contacted my servicer stating that I was having financial difficulties. XX/XX/XXXX, they proceeded with the forclosure process. I responded immediately that I wanted to bring my loan current and stated that I needed a repayment plan to catch up, but they denied my request along with all my previous requests for a forberance plan and repayment plan. I was denied of my legal right to bring my loan current. Instead, I was railroaded to different departments for several months without a cleaar answer, neither in writing or by telephone. I contacted XXXX, attended their conventions several times without success of achieving a repayment plan. They only offered loan modifications or relocating assistance. This whole time, all of my requests have been ignored. It has always been my intention to pay my mortgage and continue with the loan terms as they are. I am holding Wells Fargo responsible for ignoring my request and their delaying tactics that cost me an enormous financial harm and the possibility of losing my home.

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 03/21/2016 about Credit card () with JPMORGAN CHASE & CO. (OH).
Issue: Customer service / Customer relations

Complaint: On XXXX/XXXX/16 I had with the continues calls from Chase & asked that they remove my phone numbers from their records. This however, was not honored so the calls continued. Everyday since XX/XX/XXXX I received 4-9 calls/day. On Sunday 's they doubled their efforts & called me every 1/2 hour.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit card () with Continental Finance Company, LLC (NC).
Issue: Closing/Cancelling account

Complaint: A little over a month ago I got approved for a Matrix and a XXXX XXXX by Continental Fiance. I never received the first set of cards. I did receive a bill for the XXXX card that said my due date was XXXX XXXX, 2017. Upon receiving this bill I call the credit company. I spoke to the agent and informed them that I have n't received my cards so how do I get a bill. The agent informed me that since I was approved the bill was printed and mail. But since I have n't received my cards I did n't have to pay it. So she looked in the system and had my cards canceled. She explain that the were printing and sending out new cards. So I received my two new cards on XXXX XXXX, 2017. I opened my mail and I call the credit company back. The agent informed me that my cards are good for use and she will re age my accounts and my new due date will be XXXX XXXX, 2017. On XXXX XXXX, 2017 I use the XXXX card and made two transactions that was accepted. The next day I was trying to use the Matrix card and it was denied. I waited until XXXX XXXX, 2017 the next business day to call the credit company back. I was informed by another agent that my cards was canceled. I explain what was going on she even looked into my accounts and say that it was re age to a new due date. She explain that the cards should never have canceled out. She also said that if I wanted to keep them I would have to open both accounts up again. I refused to do that as I did n't want another hard pull to my credit. I am now in fear that this will affect my credit in a negative way. This company had impacted my credit score in a negative way and it was not my fault at all.

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 10-05-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (IA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In the XXXX, I was accepted into a XXXX at the University XXXX. On XXXX XXXX, XXXX, I received the email below from fedloan servicing. 

" UNIVERSITY XXXX notified us that you 're enrolled in school. We placed your loans on an In-School Deferment or updated your existing deferment dates. This means you are not required to make payments until your deferment ends. However, if you are able to make payments while on a deferment, it helps to reduce the total amount you have to pay back. 
In-School Deferment Dates Deferment Begin Date XXXX/XXXX/XXXX Deferment End Date XXXX/XXXX/XXXX '' So, since I was under the impression that my loans were in deferment, I did not make payments in XXXX or XXXX. That was fine. There were no issues in XXXX or XXXX XXXX. Then, on XXXX XXXX, I received the following email ... 

" Account Number : XXXX Your FedLoan Servicing account is due for a payment on XXXX/XXXX/XXXX. 

To make this payment, select " Make A Payment '' below and sign in. Or go to Account Access at MyFedLoan.org and select " Payments & Billing ''. You may also view your most recent billing statement at this same location and in your paperless inbox. '' Please note - the email was sent XXXX XXXX, and the bill was due XXXX XXXX. Really, I get one day notice when I was under the impression the loans were in deferment? When I called fedloan servicing this evening, the gal I spoke to could not find evidence of a bill and apologized because this delinquency was their fault. I was presented with two options - pay the amount in full, or file a one-month forbearance. A forbearance would have helped, but when you 're paying XXXX dollars a day in interest it 's not really worth it at that point. 

I graduated with about {$45000.00} in student loan debt. Not nearly as bad as it could have been, but I 've worked my XXXX off to repay my loans in full and on time. I 'm not on income-based repayments, and I 've NEVER missed a payment, but now, I 'm responsible for " fixing '' this problem that was not my fault. 

How can they change the status of your loans without notifying you? How do you know you need to make a payment when you do n't receive a statement? 

Note to all, login to your accounts and stay on top of things! If I would n't have caught this mistake when I did I would have risked it damaging my credit score, the score I 've worked hard to build, the score that controls your financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Around XXXX 2015 I opened this account. I made payments on time for a long time every two weeks. I had to get a divorce due to a XXXX marriage. I called them to work out new arrangements said they work with me and I was in no danger of getting reported to the credit bureau. They never reported all the payments I made on time. However without notifying me they reported me negative with Experian. The fair credit reporting act states a creditor is suppose to notify you when it supplies negative info to a Credit reporting agency.

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 12-01-2015 about Credit card () with U.S. BANCORP (MN).
Issue: Credit determination

Complaint: I had a US Bank Credit card for years, It had a limit of XXXX and I used it for my business. I sold my business in XXXX of this year and the company paid the credit card off. I then got a bill and I assumed it was some balance that didnt get in the original payoff so I sent it to the new owner and did n't hear anything. I got a bill the next month and called US bank and found out it was a renewal fee for the year. i told them I did n't want it anymore and they wrote it off and shut the account down. I then got my quarterly update from XXXX XXXX whom I have checking my credit and found US Bank had put a derogatory comment on my credit report and my XXXX score went from XXXX down to XXXX. My XXXX went down from XXXX to XXXX. My XXXX went to XXXX from XXXX. Since I 've always had a good credit score and had never been late on any payments, I filed a complaint with US Bank. They wrote to me saying they investigated my case and decided it was reported correctly and no change would be given. This is not fair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/13/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Hello there, I took a student loan from Wells Fargo in XXXX for XXXX degree of my son, in total amount of {$49000.00}. The interest rate was % XXXX fixed for about 15 years. From that time up to now although my monthly minimum payment had been always too high, I have never been late and there was no defult. I have regurarly paid by now and the current balance is {$31000.00} with minimum payment of around {$350.00} per month. 
From 3 years ago, when my spouse lost her full time job, I have started negotiating with Wells Fargo to refinance this student loan or lower theinterest rate or increase the remaining period to reduce the minimum monthly payment amount because it is very hard for me to pay. Any how, not anly they never agreed, but they fritghtened me that they may increase the interrest, while the intereset is supposed to be fixed!! In this case, may you please advise if there is a solution? May you convince Wells Fargo to exened the remaini re-payment period to 15 years from now keeping the same interest rate? 
Thanks and best regards, XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I HAVE DISPUTED THIS MATTER WITH TRANSUNION TWICE. THERE WAS A ISSUE WITH TRANSUNION INQUIRIES AND FRAUDULENT INQUIRIES ON MY CRDIT REPORT. I HAVE FILED A POLICE REPORT AND I AM DEMANDING THAT THE FOLLOWING UNAUTHORIZED INQUIRIES BE REMOVED FROM MY CREDIT FILE I MAILED CERTIFIED LETTER TO SHOW PROOF OF THE INQUIRIES AND FROMALL CREDITORERS AND AS OF TODAY NO RESULTS. PLEASE REMOVE HARD INQUIRIES THAT WASNT AUTHORIZE FROM ME :   XXXX   XXXX   --  XX/XX/XXXX - XX/XX/XXXX  XX/XX/XXXX  -- -- WHO WOULD REQUEST BACK TO BACK?   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   -- - XX/XX/XXXX  XX/XX/XXXX - XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   -- -- XX/XX/XXXX - XX/XX/XXXX  TWICE IN 2 DAYS   XXXX   XXXX  - XX/XX/XXXX - XX/XX/XXXX   XXXX  --  XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX  WHO WOULD REQUEST 3 X IN A ROW?

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 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have been a victim of inquiry issue. Misreported inquires. Their customer service would not help and take care of the negative inquiries reporting to your credit report. 

Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX, DE XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX, DE XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX XXXX , FL XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX , OH XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX , MN XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX, MI XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX , FL XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX , FL XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX , DE XXXX | ( XXXX   ) XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX XXXX , PA XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX XXXX , PA XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX , FL XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX XXXX  , MI 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 10/22/2016 about Debt collection (I do not know) with NORTHLAND GROUP INC (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is a complaint from XXXX XXXX against Northland Group for Northland 's failure to provide requested information for the debt alleged. Consumer, XXXX, received a demand letter from creditor, XXXX. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt XXXX ; and g. Any other documentation which tends to show validity. 
It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2016 about Debt collection (Medical) with Fresno Credit Bureau (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Disputed account with all XXXX credit bureaus, requested debt validation under the FDCPA and they have not validated the deb but continue to validate the dispute with the credit bureaus which is a violation under the FCRA. They have not provided any proof consent given to share or obtain private and protected medical information under the medical bills act.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Debt collection (Credit card debt) with Alliance Data Card Services (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This company called me stating they were going to have my wages garnished and my taxes withheld if I did n't pay this amount. Informed them this was a result of identity theft and they continued to call me. They placed this on my credit report AFTER being informed that it was a result of identity theft and all the original documents have been sent to the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: I called TransUnion to place a fraud alert on my credit and used their automated phone system. After answering their prompts to place the alert but before the alert process was complete the phone system offered a 30 day trial of TransUnion 's credit monitoring service at $ XXXX. This initial offer was short and required pressing 1 to accept or 2 to decline. Upon declining the phone system went into a long commercial for the service that begins with, " Are you sure you do n't want to protect your credit? ". This commercial lasted > than 30 seconds ... I hoped that pressing 2 would be the decline option and just pressed it before the commercial ended. 

This is an inappropriate use of the fraud alert protections and should be stopped immediately. The credit reporting agencies should not be able to intrusively market their own services to consumers who are forced to call them.

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 09/21/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Medical And Health XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX NA XXXX/XXXX/XXXX Banking XXXX XXXX XXXX XXXX/XXXX/XXXX Medical And Health XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX NA XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX XXXX/XXXX/XXXX Banking

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 10-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONLINE Information Services, Inc. (KY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have repeatedly disputed this information. They have not once provided me with any information verifying that the debt belongs to me. They have not furnished any signed documents or contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I filed a complaint XX/XX/XXXX after pulling my credit report and notice there were Hard Inquires that I had no business with. I called and even mailed letters to Experian telling them they are not mine and had no business with those companies. I want them removed from my credit report. 

I would like for all those Inquires to be removed at once. 
1 ) XXXX XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX 4 ) XXXX 5 ) XXXX XXXX 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 09-05-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I requested a deferment until I found a job that I could make the payment and the principle triple in the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company has tried twice now to add mortgage protection insurance to my loan. My original contract did not include this in the escrow account. My original contract included homeowners insurance and county taxes. My original payment was XXXX. Ditech has now increased my payment to XXXX because they claim the escrow will fall short. The escrow account has not fallen short ever in the time of the loan. The homeowners insurance nor taxes have increased. In fact the taxes will decrease this year. I have been trying for the past 3 months to resolve this issue with them directly. I have been told every month I have to make the payment that I 'm told to make otherwise I will be charged a late payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation