milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: In the past I have notified Transunion and  XXXX  that I have never attended college in  XXXX , Wa and I would like the student loans that are from  XXXX   XXXX  removed from my credit report that are listed.     I also would like the loan consolidation acknowledged on my current credit report as loans paid off, not going under another name.     Thank you.    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 07/26/2016 about Debt collection (I do not know) with EXPERT GLOBAL SOLUTIONS, INC. ().
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hi I live in XXXX, XXXX. 
I am being called often at work by debt collectors from the XXXX. I never lived there and do not have any debt. 
I repeatedly told them that I am not the person they are looking for but they keep calling again. 
They ask me personal questions such as my date of birth and social insurance number ( they are too stupid to understand I do n't have one in the XXXX ). 
They also contacted the human resources of my company to try to get some information on me. Thankfully they declined. 

Last call came from Expert Global Solutions XXXX. 

How do I make this stop?

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Consumer Loan (Installment loan) with AQUA FINANCE, INC. (TX).
Issue: Problems when you are unable to pay

Complaint: This is actually a dispute complaint to respond to Aqua finance 's response to our latest complaint against them and there colleagues. Aqua finance in there response stated that they are glad I sent pictures, they did n't expound on which pictures and if they are referring to there work trucks you can clearly see there trucks have tx plates. XXXX was using there work trucks to follow me down XXXX just about every day and also when I would leave XXXX driving on XXXX. It seems funny that XXXX is discussing some of the pictures but what about the correspondence between them ( Aqua finance ) and the XXXX that I sent your department? The correspondence clearly shows that Aqua finance like a lot big companies when they get cornered they will lie! Aqua told the XXXX that they do n't have any other company working on our account, that was a lie and if your department have been reading our update complaints you know from reading the documentation that after numerous complaints submitted to the XXXX Aqua finance finally admitted to having a 3rd party company working on our account by the name of XXXX XXXX. Aqua finance also stated to the XXXX that they do n't work in real estate and that they never have and they never will. Another lie if your department reviews there web site you will see not only is Aqua finance involved in real estate, but they are also involved in mortgages, car loans, and personal loans. This is just a short list of Aqua 's business ventures. Aqua has clearly been caught in several lies and it 's on paper! This company and there colleagues have been felony harassing my family for over 4yrs. Aqua illegally sued us without our knowledge and have been trying to force us out of our home for the last 4yrs. We even tried to pay these crooks 3yrs ago and finicial systems of greenbay told us they do n't do written contracts. Finicial systems of greenbay told us they only do verbal contracts and we knew that was n't right. They had 1 of there XXXX ( agents ) damage our sons car so I called the police and I told the officer what has been going on. The officer told me not to pay them because without a contract we have no proof that we have been paying them. I also came to the realization that there ca n't be a contract because the case is supposed to be closed! Once again these companies are caught using illegal practices. Aqua has almost XXXX XXXX complaints that have been submitted against there company and there affiliates. All these victims saying the same thing ca n't be lying. The next time we talk to Aqua will be in court with our lawyer, along with the media and as many of aqua 's victims as we can find to come forward to give there testimonies!

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Sale of account

Complaint: This complaint is in regards to the XXXX XXXX Costco credit card migration to Citibank Visa credit card. My card was not ported to Citibank Visa. Several months ago I took a call from an XXXX XXXX representative who asked if I wanted the new XXXX card or be migrated to Costco. I was very clear, directing that I do NOT want a new XXXX card and to migrate the account. No further information or contact was exchanged - until the new XXXX card was received in early XXXX. I did not activate the card, as per ALL of the Citibank and Costco communications expressly stated that ALL XXXX Costco cards were to be migrated to Citibank. All communications stated very clearly that XXXX Costco card holder would not need to do anything, and that a credit review would Not be performed. 
When the new Citibank Visa card was not received, I called Citibank on XXXX and was told that Citibank will not have XXXX account information until XXXX - and " do n't worry, you will get the card ''. When the card was not received, I called Citibank on XXXX. I spoke to a representative and a supervisor and was told that not all XXXX accounts were ported and to call XXXX XXXX. Citibank informed that not all accounts were ported and that I would have to apply for a new card. I called XXXX XXXX and spoke to a representative and a supervisor. I was again informed that not all accounts were migrated. I was also told that XXXX XXXX sent XXXX letters in XXXX ( 5 days apart ) informing that my account would not be migrated. Neither letter was received - although miraculously the new cards were received. XXXX XXXX would not tell me WHY my account was selected to not be migrated - only that they used internal criteria. 
I am extremely angry : - This is deceptive advertising. Every communication provided by Citibank and Costco stated that EVERY account would be migrated, and no credit reviews would be done. Absolutely nothing indicated that some accounts would be selected for exclusion. 
- XXXX XXXX ' actions are discriminatory and appear illegal. 
o They selected individual accounts to not migrate and will not share the criteria with the account owner. It is due to being an older American? A higher income level? Female? 
o Contrary to their claims, XXXX XXXX did not provide communication of their actions. In fact, they did not adhere to my direction to migrate as provided to their representative. 
- Why should my I need to apply for a new card and incur a credit pull, when most accounts do not? It is discrimination to apply different rules - which are NOT communicated. XXXX XXXX decide who is impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: A company called XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX pulled my credit report without my authority and had no business needs or practices with me. This was done on XXXX XXXX, 2016. I challenge the credit company to verify this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I applied to the XXXX XXXX XXXX credit card and was denied based on information was obtained from Experian credit reporting agency. 
I tried to obtain a copy of my report and was denied, I tried to talk to a live person, but Experian do not have that as an option. 
I have the right to know what information on my report, and Experian has the obligation to give that information. 
If Experian do not have a live person to respond to customer concerns, they should not be in position of being a credit reporting agency. 
it is like getting one side of the story. 
denial letter reference number XXXX, XXXX2015www.experian.compo.XXXX, XXXX, TX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2018 about Debt collection (Mortgage debt) with ProCollect, Inc (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: on XX/XX/XXXX I received a notification about a debt collector from procollect which the original creditor stated it was XXXX XXXX. As a result, I never lived at that complex let alone owe XXXX. I contacted the original creditor notifying them of the issue and I was told that I am not in their system and they don't have any records of me living there. As a result, procollect sent me a letter stating to provide identity theft information, police report etc. I DON'T HAVE ANY OF THAT FIRST OFF, I NEVER LIVED THERE, AND SECONDLY, THIS IS NOW 6 YEARS LATER, I NEVER KNEW SOMEONE GOT AN APARTMENT IN MY NAME AND NOW THIS CROOKED COMPANY IS TRYING TO MAKE ME PAY FOR SOMEONE ELSE 'S MISTAKES. I DON'T THINK SO AND I'M NOT SENDING IN NO DOCUMENTS THAT I DON'T HAVE BECAUSE I NEVER LIVED THERE SO IF YOU THINK YOU ARE TRYING TO SCAM ME OUT OF XXXX XXXX THINK TWICE BECAUSE BEFORE I PAY THIS RIDICULOUS AMOUNT IT WILL REMAIN ON MY CREDIT REPORT UNTIL XX/XX/XXXX. AND GUARANTEED THIS WILL NOT BE THE LAST COMPLAINT I MAKE I WILL MAKE SURE THE FTC COMMISSIONER KNOW ABOUT THIS CROOKED BILL COLLECTOR PROCOLLECT IS MAKING PEOPLE PAY FOR IDENTITY THEFT ACTIONS THAT HAS BEEN CAUSED BY SOMEONE ELSE.

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 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XX/XX/XXXX I bought a house through XXXX XXXX company. I lived in the house until I sold it on XX/XX/XXXX for the full amount of the mortgage owed. I did not profit from the sale of the house nor did I owe anything on the house after it was sold. I made my mortgage payments on time so there was nothing delinquent as far as the payments were concerned. Recently while attempting to clean up my credit, I noticed that the NOW closed company of XXXX XXXX was bought out by XXXX XXXX  and it appears on my Transunion account even though the XXXX account appears on all of my credit reports. 
I have faxed a letter plus a copy of all my credit reports to XXXX on XX/XX/XXXX and XX/XX/XXXX. I spent over an hour and a half on XX/XX/XXXX on the phone with " research representative - # XXXX '' and he was not able to give me an answer as to why, even though the account was closed and in good standing their company appears on my credit report. 
I am attempting to work on and clean up my credit report and I feel as though since it has been over 10 years since this was first reported, that I would like the accounts removed ( 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 explanation
Consumer complaint received 01-07-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Advertising and marketing

Complaint: My wife has a shopping addiction. She has run up credit cards in my name. Ones that I did n't know I had. The worst is capital one. I took {$10000.00} dollars out of my 401 so I could settle that dept. then I find another for {$5000.00}. They stop credit on that card but still send us applications for new cards. I feel they target people like my wife and it reall XXXX Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with ASTORIA BANK (DC).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage closed and paid off in XXXX. I asked Astoria Federal to remove the wording " Account Paid for Less than Full balance '' which is misleading and assumes a short sale. I 've asked them many times to remove the wording, a month ago there was still the wording and XXXX late payment reported. Since I asked for your help, the wording is removed but now they acted out by adding in XXXX late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-02-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I owned a condo in XXXX and had decided to rent it for two years. In XXXX XXXX my tenants stopped paying rent and I was not able to pay mortgage since sine was the income I relied upon. At this time, I also had the property listed for sale and was receiving many offers and knew a deal would close soon. As soon as I knew I would have a problem paying mortgage I called Wells Fargo to see if there was anything they could do to assist. I had been a loyal customer for 8 years and had never missed a payment once. I was told that since the property was listed I did not qualify for any of their assistance programs. I received calls day and night from Wells Fargo representatives trying to collect the debt and each time I spoke with the representative I explained the situation and asked if there was anything I could do. Each time I was told the only resolution was to pay the debt in full or they would report the delinquencies to the credit bureaus. I was unable to pay mortgage for 4 months and as a result my credit score suffered a major hit and fell XXXX points. XXXX XXXX I called several New York State agencies trying to see if I could get help and was referred to HOPE. I spoke with one of the counselors, explained my situation and together we called Wells Fargo to see if they would assist. While the HOPE agent was on the line, we were told that nothing could be done to help me since the property was listed. In XXXX XXXX I received an email from Wells Fargo stating that I had been approved for a streamlined modification. I was surprised because the property was still listed, and for moths I was rejected from receiving any assistance and had n't applied for this modification. When I called to speak with a representative I was told that I qualified for the program because I had n't missed payments in the past. I asked why I was n't advised of this program back in XXXX XXXX when I first reached out for help and was not given an answer. Had I been advised that I qualified for an assistance program, I would have been able to work with the bank while the sale was pending. Instead I was ill-advised and as a result my credit suffered. Now that my property has sold and I want to purchase a new home, I can not do so because my score is very low. I will have to pay very high interest rates if I can even secure a new loan. I worked very hard for years to maintain an above average score and because I was rejected from a benefit I should have received I am now suffering this financial injustice. When I initially called Wells Fargo in XXXX XXXX I should have been advised what my options were but instead I was rejected and my credit suffered. Having been a loyal customer for 8 years I am shocked that the bank has neglected to service me properly and put me in such financial jeopardy.

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 09/15/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (ME).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 'm getting aprox XXXX calls per day, seven days per week from Capital One Bank. It 's for a $ XXXX debt they knew I could n't afford, but being the loan sharks they are knew I would bite, and did out of desperation at the time. I 've been consolidating my debts recently with a local nonprofit firm and every one of my debtsXXXX XXXX, but Capital One was willing to participate in the program. I think Capital One figures their malicious scare tactics and plain and simple harassment will gross them more in return. I honestly do n't know how a " business '' like Capital One is allowed to practice legally in our country. It truly astonishes me ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/18/2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: There is electric bill under my ssn for XXXX XXXX XXXX XXXX, NY. I have never lived at this location. I contact the management company and because this address is public housing, tenants do not pay all bills are included in the rent. I called the company and I was not given any information about this account and the representative was not able to provide and reason, dates, or explanation as to how the company received my information

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 04-07-2017 about Debt collection (I do not know) with Hunter Warfield, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not owe this debt and would like for it to come off all  XXXX  credit bureaus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 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: Incorrect information is still showing on my credit report that I received today when I went to buy a car. 1 ) I had a car loan through XXXX XXXX XXXX XXXX in XX/XX/XXXX. The car payment were made and paid in full as was agreed to under the terms and condition. After car full payment which was in XX/XX/XXXX, The loan lender ( XXXX XXXX XXXX XXXX ) released the car title to me acknowledging all payment made in full. This car was never repossesed or taken to creditors. I paid the car as was agreed to with interest as was agreed under the terms and conditions. XXXX is incorrectly reporting / in my credit report that this was sent to creditors and states that payment was never made in full. How did the bank give me the title for the car in XX/XX/XXXX if the car was never paid in full? I logged complaint back in XX/XX/XXXX with XXXX, XXXX and Transunion yet the incorrect information is still being reported. <P/>2 ) XXXX is reporting an address that I have never lived in on my credit report : an address that i do n't even know who lives in, an address that I have never been in, do n't even know the location and yet that address being stated on my credit report, never lived there, do n't know anybody that lives in that address, never been on that address not once. i am willing to testify on this in court and under oath

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 08-02-2017 about Payday loan, title loan, or personal loan (Installment loan) with Prosper Marketplace, Inc. (MI).
Issue: Charged fees or interest you didn't expect

Complaint: On XX/XX/XXXX {$4700.00} was direct deposited into my checking account. And I have no idea why their payment schedule begins in XX/XX/XXXX. There 's nothing from XX/XX/XXXX when the loan was taken out until the first Payment schedule posted a year later on XX/XX/XXXX. When I go into my online account and try to download my statements it says there are no statements available and that I need to download XXXX XXXX and install it to be able to see the statements. I downloaded it and opened it and a program called XXXX XXXX installed on my hard drive and I can not uninstall it no matter how much I try. The only information given about my loan is when I click the icon that shows a percentage of how much of my loan is paid of the {$5000.00} loan that was taken out on XX/XX/XXXX until XX/XX/XXXX when the installment loan ends. I went over my bank statements and I shows that at one time I paid my loan twice in one month. So all 36 installment payments are up to date and paid in full with my last payment in XX/XX/XXXX of the amount of XXXX and then again on XX/XX/XXXX of XXXX. I ask why was this amount different from my usual XXXX and she said it was interest on late fees. WHAT!!! I just made two payments which the one on XX/XX/XXXXwas not suppose to be withdrawn from my checking account because I had already prescheduled for the last 3 month payments on the last Wednesday of the month. I ask in XX/XX/XXXX to have my payments scheduled to come out on the last Wednesday of the month because it was better and easier to make them at the end of the month instead of the middle.. So my payments were supposed to be scheduled to come out that way but it became a nuisance and got all mixed up because when I talked to customer service they would tell me OK your payment will come out on a certain day and we will note it down for you. But they continued almost every month calling me and saying my payments were late or they would like they did this last payment made in XX/XX/XXXX take it out twice. Once for the middle of a month and then again at the end of the month. So when they tried to get another payment for XX/XX/XXXX which I told them I didnt owe I had to stop payment on them because they did not have my permission to withdrawn money from my checkings account. I tried to remove my bank information that they had on file and they wouldnt let me remove it. So as far as Im concerned they had no right to get in my checking account. So as of XX/XX/XXXX my balance past due is XXXX with interest, plus non-sufficent funds and late fees. In which I have proof that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX I took out a second mortgage through XXXX. The loan was subsequently transferred to Citi Mortgage. XXXX is also showing as the lien holder, but I am not clear as to what XXXX is. My wife XXXX declared bankruptcy in XX/XX/XXXX and this loan was included in the final discharge (see attached bankruptcy document).The XXXX lien is still showing up on XXXX County records. I have contacted XXXX, CitiMortgage and XXXX, no one will take any action to remove the lien. I am unable to refinance or sell the house as long as the lien is showing as active.  It is also causing problems with my homeowners insurance.

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