milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A few days ago i noticed a new XXXX Credit card in my XXXX account. I neglected to attend to this concern. Until last night i read that there was an influx of fraudulent actions and identity theft linked to started of new XXXX Credit card accounts. I immediately called XXXX to alert them. The account was closed. Shortly after, I noticed that the primary email that was used in my XXXX account was one I had never seen before and very suspicious. It included my name and a combination of other characters and ended with " XXXX '' very suspiciously similar to my real email, but not one I have ever set up. 

I immediately changed my email account password and proceeded to send a message to XXXX. 

Today, I also received a call from XXXX XXXX alerting me that a credit card had been opened in my name. Once again, this was not done by me and I have identified this as identity theft. They immediately closed the account and have reportedly alerted the credit bureaus. 

Fortunately, the XXXX Credit card and XXXX XXXX did not have any charges on it. 

I have called TransUnion to make sure they are aware. I just filed an electronic report with XXXX, I have not received any confirmation you. I will be calling XXXX shortly after. Also, I have my local police department on the way so I can create a police 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 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I requested full file disclosure twice and never receive requested 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 non-monetary relief
Consumer complaint received 07/18/2017 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: To who it may concern I am here writing to you because on my credit report it shows that I have to pay   XXXX    XXXX  $ for an account that I have no recognition from I believe that I am going through identity theft if you could help me with this issue I have reached out to the compliments and try to distributed but they have denied it

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 12/23/2016 about Credit card () with BARCLAYS BANK DELAWARE (OR).
Issue: Customer service / Customer relations

Complaint: I called XXXX by XXXX to tell them I lost my job, and to ask for assistance with payments while I find a job. The representative gave me numbers, all belonging to crooks. One being XXXX. They promised me they 'll help me, and proceeded to try to sell me stuff I do n't want. I spent 30 minutes with them, followed by a hang-up. This is incredibly unethical. I ca n't fathom how they can do this to people during 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 08-04-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I had to file chapter XXXX because of a accident. after four years of paying on it. I received a order deeming the mortgage current as of XX/XX/XXXX. I have made all payments from XXXX in full and on time. until XX/XX/XXXX when they advised I was 5 months behind on my payments. I have sent all the information to Ocwen XXXX times proving all of the payments were made by the trustee and myself.. they still advise I am behind and are threating to foreclose they returned my XXXX payment I have contacted a attorney they advise I file a complaint the you first.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information was compromised by the recent Equifax hack. 
The following Equifax site confirmed my personal details were part of the hack, based on my Last name and last 6 digits of SSN : https : //www.equifaxsecurity2017.comXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (DC).
Issue: Account opening, closing, or management

Complaint: In XXXX 2015, I came across an offer stating that if I applied for a citigold checking account using a promotional code, I would be eligible to receive XXXX AAdvantage Miles if I met the following conditions : a. Spent {$1000.00} of money in the checking account. 
b. Made two qualifying bill payments in consecutive months. 

I decided to call Citibank to confirm that this was not a scam. I called and spoke to a Customer Service Representative who assured me that I was in fact eligible for this promotion and that If I opened an account over the phone, with her, and met the stipulated conditions, I would in fact receive XXXX XXXX Miles. She also told me that there would be a $ 30 monthly fee for the account, and that I should only proceed if I was ok with those terms. I agreed, since I would be receiveing a XXXX XXXX Mile sign up bonus, it would be worth it. I listened to her instructions carefully, and followed them to the letter to meet the conditions stipulated. However, it has been 6 months, and I 've had multiple monthly fees deducted from the account, however I have not received any miles. When I called customer service, I was assured that I had in fact met all of the requirements for the miles with my checking account, however Citibank would not be honoring the terms of the promotion as I had been misled by the customer service agent who spoke to me, and that I was not in fact eligible for the promotion as I was not targeted. This is despite the assurances i took care to get from the customer service agent before opening the account. This is an unfair practice, because as a result of being misled, I opened the account under false pretenses and will incur more than {$60.00} in monthly fees as a result. 
How

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 10/31/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Using a debit or ATM card

Complaint: My bank ( chase Bank ) contacted me to report there was fraudulent activity on my account. They froze my card ( and called me to tell me there was suspicious activity ). I contacted them and reported I did not recognize transactions done in XXXX. They credited my account, then 2 weeks later, reversed the credit and informed me that since it was a chip, they had to deny the claim. I do not understand how the fact that it was a card chip, means that it was not fraudulent. I am disputing this still.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I BELIEVE THE CREDIT REPORTS ARE SHOWING MY " FBN '' AS HAVING A SOCIAL SECURITY NUMBER AND PERSONAL CREDIT. THIS MAKES ME LOOK LIKE A UNAUTHORIZED PERSON WHEN I USE MY SOCIAL AND MY NAME TOGETHER ON ANY APPLICATION. 

I HAVE BEEN DENIED OPPORTUNITIES AND SUFFERED DAMAGES. 

I HAVE YET TO SEE ANY ORIGINAL INSTRUMENTS IN THERE ORIGINAL FORM THAT WOULD QUALIFY AS FACT OR EVIDENCE. 

I HAVE NOT RECEIVED A NOTICE OR BEEN SHOWN ANY PROOF OF ANY RULES BEING ENFORCED. 

I HAVE REQUESTED MY CREDIT REPORTS AND BEEN DENIED ON LINE A FEW MOMENTS AGO TAKING PICTURES OF THE SCREEN AND PRINTING ERROR MESSAGES. 

PLEASE HELP! 

THANK YOU,

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 10-09-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: disputed Portfolio Recovery online with XXXX XXXX XXXX to delete or verify accounts on XX/XX/XXXX. Portfolio failed to respond. 

disputed Portfolio Recovery online with XXXX on XX/XX/XXXX and XX/XX/XXXX to delete and verify accounts. Portfolio Failed to verify nor delete. 

I have given Portfolio over 30 days with multiple attempts to respond with verifying my account.Portfolio constantly calls from in state AND out of state numbers from XXXX to XXXX monday through Friday and even on weekend, even after disputes. I have requested for them to leave me alone.Portfolio recover constantly harasses me to pay off balances or they will sue and they have failed to prove any debt as accurate and unsubstantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because my requests have been ignored by TransUnion. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy ''. I have requested an investigation and re-investigation on XXXX XXXX, 2016, XXXX XXXX, 2016 and again on XXXX XXXX, 2016.

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 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (RI).
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 credit reports were fine up to about 1 yr ago when all of a sudden a XXXX XXXX charge showed up stating that I owed them {$2600.00}. I never had a credit card with XXXX XXXX XXXX that ever had such a high limit. I had smaller ones and they were all in force around the same time and all paid off. when I put a dispute in I never got anyting. how can they just let something appear on the report, no record of payments no record of charges nothing just an I owe them this money. I have tried to dispute with XXXX XXXX and all I got was a collection letter. this is really hurting my credit all reports. its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: In XX/XX/XXXX the credit bureaus adopted a new policy : tax liens and judgments will be removed from credit reports if they do not include the proper information identifying them to the individual. 

On XX/XX/XXXX I sent a letter to all three credit bureaus requesting that the following judgement be removed from my credit report due to the adopted new policy. 

XXXX XXXX Account # XXXX TransUnion XXXX the judgement and then added XXXX XXXX to my credit report as a collections account. According to Florida State Statute 95.11 ( a ) ( b ), a debt is no longer legally collectible after five years, thus making this debt no longer legally collectible. 

In XX/XX/XXXX, I was denied credit and requested a free copy of my credit report from all three credit bureaus. 

In XX/XX/XXXX, I received my free TransUnion credit report. I mailed a certified letter to dispute the XXXX XXXX collections and several other accounts that are listed on my credit report. 

XX/XX/XXXX, I received the results of TransUnions investigation. TransUnion stated that XXXX XXXX was Verified as Accurate and Updated. When I received my updated FICO score in XX/XX/XXXX, I noticed a 21 point drop in my FICO score. When I inquired as to why there was a significant drop in my score, the report states Presence of serious delinquency and public record or collection. 

Prior to me disputing the accounts on my credit report. My FICO score history was as follows : XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  According to the free TransUnion report I received in XX/XX/XXXX, Portfolio Recovery was showing on my credit report as a collections account and my score at said time was XXXX. However, after I disputed the XXXX XXXX my score dropped 21 points because of the presence of serious delinquency and public record or collection account appearing on my credit report. 

This leads me to believe that when TransUnion verified and updated my credit report, they reported the debt as new, which is called re-aging. This being the reason why my FICO score dropped 21 points. 

A creditor or collection agency that deliberately changes the date of a debt for the purposes of making it show up on my credit history or appear to be within the statue of limitations is breaking the law. 


Uploaded : Letter of Dispute XX/XX/XXXX credit report XX/XX/XXXX credit report XXXX FICO score report TransUnion XXXX FICO score 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 02/27/2017 about Mortgage (Conventional fixed mortgage) with AMERICAN INTERNET MORTGAGE (CT).
Issue: Loan servicing, payments, escrow account

Complaint: AIMLoan.com failed to pay real estate taxes when due out of the escrow account maintained for tax purposes. To date they have only paid a {$210.00} assessment with an additional {$4300.00} past due. As the borrower, we reached out numerous times only to be told it was being researched. As of today taxes remain past due by one month.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Making/receiving payments, sending money

Complaint: I wrote an incorrect check to an assisted care facility XX/XX/XXXX to cover charges for my mother 's care. The figure written was {$2000.00}, however, I mistakenly wrote XXXX Dollars and XXXX cents. The check was presented to Bank of America, who without questions accepted it for the written face value.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Consumer Loan (Vehicle loan) with SUNTRUST BANKS, INC. (NC).
Issue: Problems when you are unable to pay

Complaint: In XX/XX/XXXX I financed my XX/XX/XXXX Chrysler 200 with SunTrust Bank and then in XX/XX/XXXX I sent payment, to pay my account in full. I then received notice dated XX/XX/XXXX indicating my account was settled and that my title will be mailed within 10 days. The 10 days extended to over a year and a half and then I finally received my title in XX/XX/XXXX. After receiving my title SunTrust then proceeded to take possession of my car, stating that my account was not paid. 
I have since then retained an attorney and have to forced to rent a car and incur expenses and stress that I should n't have to otherwise deal with. 
Attached are copies of my documents. I beg that my car be returned to me and that I receive reasonable compensation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NJ).
Issue: Application, originator, mortgage broker

Complaint: I applied a mortgage from Wells Forgo in XXXX 2015. It has been a painful two months until I finally got the approval, as they asked excessive documents. Most of them were either trivial or irrelevant, as I have a perfect risk profile, with XXXX FICO, an income more than XXXX times of the monthly mortgage payment, no other debt, and was willing to pay more than 30 % as down payment. I complained to the loan officer several times, and each time WF cameback to ask for more unnecessary documents. Those included : my paystubs from XXXX years ago, all my bank and investment account statements back from 6 months ago ( totally more than XXXX of them ), explanation on every {$1000.00} dollar transfer between my bank accounts, and most ridiculously, proof of residence for some place I lived more than 15 years ago. I have also been asked for my intention for every my credit bureau inquiry in the past year. Overall, it seemed that they were conducting a criminal investigation instead of underwriting a loan. However, it became evident that they never looked at all the documents, as they had asked for some of them repeatedly, sometimes XXXX times during the process. 

Overall I have submitted more than XXXX pieces of documents and it cost me dozens of hours to prepare them. I am relatively financial savvy and very careful about documentation, and even so, the process took almost XXXX months and we nearly missed the closing date. During the XXXX months I have repeatedly asked to talk to the underwriter for her rationale to ask for so much documentation, but never got a response other than more requests. 

In my opinion, whether intentional from Wells Fargo or not, this cumbersome underwriting process has created a barrier for applicants with good risk profile to qualify for mortgages. It will be up to CPFB to decide, whether this practice is across the board, or only targets minority customers like myself. 

I have filed a complaint directly with Wells Fargo, but only received a plain vanilla response letter saying they have done nothing wrong. This was totally unsatisfactory and therefore I am filing this complaint to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Student loan (Non-federal student loan) with ECMC Group, Inc. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On XXXX XXXX, XXXX, I submitted a CFPB complaint against ECMC for fraudulently and illegally garnishing my wages ( CFPB Complaint # XXXX ). In response, ECMC never provided debt validation, posted my own Notice of Intent to Sue in place of an explanation and claimed that it was keeping the " trade line '' on my Credit Reports, even though it blatantly failed to abide by the FCRA, FDCPA and California XXXX XXXX. My credit report erroneously stated that I had a loan from the lender of " University XXXX XXXX XXXX '', which is not a lending institution, financial institution, nor bank. ECMC then claimed that it was collecting funds on behalf of the University XXXX XXXX XXXX, even though ECMC was not the lender, servicer, nor guarantor. I checked my Experian credit report on XXXX XXXX, XXXX, and I have found that ECMC no longer lists itself as a " trade line '', for supposed loans obtained in XXXX to XXXX, but now lists itself as a new loan originator, with XXXX loans originating in XXXX. I did not attend college in XXXX. I did not take out loans, and I did not contract with ECMC. I never received loans from ECMC, nor any organization affiliated with ECMC. It is clear that ECMC is insistent about wanting to take money from me, even though it has not met its burden to provide proof of the existence of a debt. They are engaged in illegally altering my credit reports, and they are actively engaged in fraud. Further, they contacted the University XXXX XXXX XXXX and requested my transcripts, which is a violation of XXXX. The college provided my Student ID number, all personal data, and grades. All of this happened months AFTER filing a CFPB complaint ( XXXX XXXX, XXXX ). I attended college 12 years ago, and I have never heard anything about supposed loans and never received any documents. The more information I give via complaints, the more ECMC chooses to contact additional people and agencies. I WILL NOT tolerate this financial fraud. My credit score and credit report are the lowest they have ever been ; this is due to the fact that with a 22 year credit history, I now have XXXX " new accounts '' that are XXXX years old and all adverse. These XXXX new accounts were just added after I submitted my XXXX XXXX, XXXX CFPB complaint. I have attached each of the XXXX new accounts listed on my credit report as XXXX files. The process of filing police reports, contacting various agencies, and initiating a lawsuit, are all very time intensive, and the lack of recourse for such blatant violations is astonishing. Even through the crisis of XXXX, I have never seen XXXX in this condition, and it is simply horrifying. How many times does ECMC have to be sued before this will stop permanently?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Debt collection (Auto) with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: 3rd party debt collections company XXXX XXXX XXXX claim I owe debt that has aged off 15 years ago and are calling me while at work. I told them not to call me, and have added my cellphone number to the do not call registry.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Payday loan () with Midwest Recovery Systems (TN).
Issue: Can't contact lender

Complaint: On XX/XX/2016 a collection appeared on my XXXX credit report for midwest recovery sysyems for a balance of {$790.00}. This is not an expense I have incurred and I have receiced no paperwork on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation