milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Please help me, I have disputed previously a couple things with TransUnion, provided them my ID 's so they can process, they decided to change my name to XXXX XXXX from XXXX XXXX XXXX which is my legal name, XXXX XXXX is NOT my name. There are also many addresses which are NOT accurate the only XXXX addresses they should have on my credit file is current mailing address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and prior XXXX XXXX XXXX XXXX, TX XXXX. There is also a bankruptcy which I never filed for bankruptcy. This is a MISTAKE.

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 12-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: When we obtained a mortgage XX/XX/XXXX, we had to accept an ARM mortgage with an interest rate of 8.25 % due due to a high ratio of debt. From that time, to the present, we have had two late payments ( missed deadline by 1 day and the latest late payment is explained below ) and have reduced our debt, however every time we try to remortgage at a lower interest rate, we were turned down. Our mortgage payment is XXXX. Currently, we are in the process of a no-fault, amicable divorce and we need a lower rate/help for approx 4-6 months due to the added expense of the divorce process until we can sell our house XX/XX/XXXX. XX/XX/XXXX, we did only had XXXX for the mortgage payment and contacted Chase. They let us miss the payment but added a portion of the missed payment to the next 6 payments making our monthly mortgage XXXX. We just tried to remortgage but Chase refused saying we have a late payment. We now receive mail packet after mail packet telling us they are here to help. This is a joke because they refuse. We need help or we may go into forclosure. We only need help until the house is sold. If our interest rate is reduced we would lower our normal payment from XXXX to approx. XXXX which would be a god send.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TN).
Issue: Charged fees or interest you didn't expect

Complaint: On XXXX 2015, My now ex wife and I applied for a loan and approved/received a loan for XXXX and as of right now the loan is XXXX. The agreement between my ex wife and myself was to pay the debt collectively but her end of the agreement was not held. I paid as much as I could before I could no longer make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (VA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: From XX/XX/XXXX-XX/XX/XXXX XXXX XXXX used my credit card to buy equipment for XXXX XXXX.  I have never authorized XXXX XXXX to make any purchases with my credit card. XXXX XXXX claims they had no idea where XXXX XXXX was getting materials and equipment from. I have reported the fraud to Chase Bank and to the XXXX Police. Chase continues to harass me even though I have already told them I have nothing to do with these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NJ).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: In XXXX I received a solicitation call from Wells Fargo wanting me to obtain a credit card account. I told the solicitor I would not agree to any terms over the phone, but if they sent me the terms in writing I would review them, and decide if I wanted to open a credit account with them. A few days after the phone call solicitation I received a Wells Fargo credit card in the mail. Due to my naivety at the time I activated the card and began to use it. Later I learned that the account was most likely fraudulently opened, but because I had a sizable balance I was paying off and did not want to go through the hassle of closing the account or deal with possible XXXX XXXX implications I kept the account. 

Finally, on XXXX XXXX, XXXX, due to the unfavorable terms of the credit agreement I decided to go through the process of closing the account. I went to Wells Fargo in XXXX, NJ, and told a personal banker about the unauthorized opening of the credit account. The banker had me talk on the phone to XXXX separate individuals. XXXX individual offered to allow me XXXX months without interest to pay off the balance, but those terms did not seem reasonable because Wells Fargo has already made a lot of money off interest fees from my account and I do n't think they should be making any more. Finally I talked to XXXX XXXX XXXX XXXX XXXX XXXX who told me the credit account was applied for through the mail. I have never applied for a credit card through the mail. She told me she would investigate, but I have n't heard back from her, and Wells Fargo keeps on charging me interest on my credit account payments.

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 07-08-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a judgment being reported by Equifax Credit Bureau from XXXX XXXX XXXX. The Credit Bureau insists that they have verified this information however the court asserts they have not. The case was dismissed without prejudice with no judgment and the bureau continues to report this information. It is Judgment with CIrcuit Clerk - Case ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NV).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, XXXX, I received a letter from Citibank. It stated that a debit return of {$23.00} had been " no posted '' on XXXX XXXX, XXXX. I had closed all accounts in XXXX, XXXX. The letter asked me to contact the customer service center and provide them with instructions regarding the credit. I have called twice, requesting that a check be mailed to me. Both times I was told that this could not be done and that I would have to go into a branch office to make the request. One of the reasons I closed the account was because they closed the branch office closest to me and could not drive to other locations. I do not understand why a check ca n't be mailed. I also do not understand why the credit was not refunded to me back in XXXX, and why it took 5 months for me to be notified. I have been having a running dispute with the company that issued the refund because I never received it, only to find out that the bank has been holding it for over 5 months, for no reason. I hope that Citibank will issue an apology and explanation to the company that originally issued the refund. I am extremely upset that they have held on to this refund for so long and now refuse to mail it back to me. What is the problem??? Are they going to pay interest on the amount? I do not understand why the refund ca n't be mailed since they obviously still have all of 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 non-monetary relief
Consumer complaint received 01/13/2017 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting for XXXX bank on my credit report and I was avictim of identity theft and proven by the police. they are also reporting me as a authorized user to an account I never had with XXXX. The account shows me as an authorized user. I have never given anyone permission to add me as a authorized user. They nor Equifax has any written proof. This is a outright VIOLATION OF SECTION 609 AND 611A OF THE FCRA. EQUIFAX IS ALSO REPORTING THIS TWICE ON MY FILE! ILLEGAL

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 Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have been trying since XXXX 2017 to get my XXXX card to update on my 3 reports after a three was call XXXX finally updated. Upon several more attempts equifax and experian for some reason wo n't update it. XXXX bank has sent me a letter stating they have reported to all three several times and to contact them directly to figure out the problem. When I call the two they say they report what is sent to them. My husband and I have spent 100+ hours on the phone back and forth and nothing seems to be getting solved. Can you please help. I have the letter if I need to fax to you I will.

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 07/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion is reporting inaccurate information on my credit report. They are reporting a charge-off account from XXXX when i never had a XXXX account. By the FCRA unless they provide me supporting documentation with my wet signature they must delete the charge-off account from my credit report.Failure to do so will result in a lawsuit against both the creditor ad the credit bureau 's. I have sent documentation to my attorney also.

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 12-01-2017 about Debt collection (Medical debt) with Collection Consultants of California (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In the summer of 2015 this debt was paid to : COLLECTION CONSULTANTS XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Now, 2 1/2 years later they have reported my debt as unpaid to XXXX. I suspect the FALSE debt will also be put in XXXX and XXXX. 

Collection Consultants even told the credit reporting agencies that the debt was pain in 2015. 

Please help, my XXXX score dropped from good to fair, a 25 point drop. And worse yet I am trying to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to ... .promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. 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 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Transunion is incorrectly receiving information from XXXX XXXX as my account being delinquent, but it belongs to my son, XXXX. I called the bank and they blame each other. My credit has dropped 110 points in 6 months due to their disregard and bad recordkeeping of files

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 05-11-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On   XX/XX/XXXX  I was offered and granted an administrative forbearance by Fedloan from  XX/XX/XXXX to  XX/XX/XXXX  ( see attached ). After filing a complaint with CFPB on  XX/XX/XXXX  to ask that Fedloan 's negative reporting to the credit bureau be removed because of inaccurate information, Fedloan removed the preciously approved Forbearance two days later and with no specific information to indicate why - see attached letter dated  XX/XX/XXXX .      My most current bill dated  XX/XX/XXXX  ( attached ) shows a balance due of {$1300.00}. This is an odd amount but presumably covers   XX/XX/XXXX  and  XX/XX/XXXX  pay ments due. I am still pending a lower payment from an IDR request made early    XX/XX/XXXX    and was advised to not make payments until the lower amount was approved. The estimated lower payment pe r Fedloan was approximately {$280.00}.      Finally, I am attaching a screenshot taken today which shows my account status with a payment of {$6200.00} due by   XX/XX/XXXX .      This is outrageous and only causes further hardship for me. There is absolutely no way I can pay this amount of money and the expectation to do so only places me at imminent risk of further negative reporting.     I am also beginning to wonder if this action is a form of retaliation because of my complaints made through your agency. Perhaps they would rather sabotage the good standing of my account by removing the forbearance rather than own up to their inaccurate record keeping and correcting their negative reporting to the credit bureaus.     The level of incomplete and inaccurate information contained in my account and the prior negative reporting which is currently under review - is a huge obstacle in my applying for a mortgage loan. This confusion and incompetence has been going on for  five months  now.

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

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have XXXX XXXX accts that have been sold to a XXXX party collection agency. Negatvies being reported by XXXX AND the new company ( XXXX XXXX ). so, instead of XXXX delinquent entry, all credit reports reflect XXXX delinquent entries. I feel this is a double jeopardy scenario. I do not feel that any of the XXXX major credit reporting bureaus have done anything to help me. they have attempted to pacify me with phone calls and offers of reduced rate credit monitoring services. they have done nothing to actually resolve my dispute up to and including investigation into my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: i disputed the charges and still no actions yet

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 04/20/2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: The following company listed below is calling and threatening to file suit on a debt that is not owed. They claim they are collecting on behalf of HSBC and are attorneys, when they clearly are not a law firm. They use threatening language and clime they do not need to abide by the FDCPA. Clearly, serious action must be taken against this firm. 

XXXX XXXX XXXX XXXX, XXXX AKA XXXX AKA XXXX 
Posted in : XXXX XXXX XXXX Web site lists the address in Florida : XXXX This place is also using the same address : XXXX XXXX gives them a D+ with XXXX complaint : XXXX XXXX is not registered with the Florida Dept. of Financial Regulation as a collection agency which means they are illegally operating as a debt collector. 
XXXX. XXXX says they are only in business since XXXX XXXX, XXXX which means they have been trying to steal money right from the start : XXXX XXXX XXXX XXXX, XXXX Filing Information Document NumberXXXX XXXX/XXXX XXXXE Date XXXX Effective XXXX StateFL StatusACTIVE Last EventXXXX XXXX Event Date XXXX Event Effective DateNONE Principal Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Changed : XXXX/XXXX/XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Changed : XXXX/XXXX/XXXX Registered Agent Name & Address XXXX, XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, FL XXXX Authorized Person ( s ) Detail Name & Address Title XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Here is the XXXX info for their web site : XXXX XXXX XXXX Updated XXXX second ago - Refresh Domain Name : XXXX XXXX : XXXX 
Sponsoring Registrar XXXX ID : XXXX XXXX Server : XXXX Referral URL : XXXX : XXXX Name Server : XXXX Name Server : XXXX Status : clientTransferProhibited XXXX Updated Date : XXXX Creation Date : XXXX Expiration Date : XXXX medicalinvestigations.com registrar XXXX Updated XXXX second ago Domain Name : XXXX Registry Domain ID : XXXX Registrar XXXX Server : XXXX XXXX URL XXXX Updated Date : XXXX Creation Date : XXXX Registrar Registration Expiration Date : XXXX Registrar : XXXX 
XXXX XXXX ID : XXXX XXXX Contact Phone : XXXX Reseller : Domain Status : clientTransferProhibited XXXX # clientTransferProhibited Registry Registrant ID : Registrant Name : XXXX 
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX : XXXX : XXXX XXXX XXXX : PA XXXX XXXX XXXX : XXXX Registrant Country : US Registrant Phone : XXXX Registrant Phone Ext : Registrant Fax : XXXX Registrant Fax Ext : Registrant Email XXXXXXXXXXXX Registry Admin ID : Admin Name : Support, Technical Admin Organization : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX   account showed a late payment in  XXXX / XXXX . This information is inaccurate. Payment was not late. Balance was paid. And   XXXX   XXXX   credited all late fees. This item was incorrectly applied to my report and should be deleted immediately.

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 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I pulled my credit and I noticed that there were some incorrect items on my report, I have been contacting them since  XXXX . They have still not responded to my request

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL).
Issue: Trouble during payment process

Complaint: called and spoke with two customer service reps and a supervisor Rushmore has changed the amount of my mortgage payment without my permission and without contacting me. I have spoken with 2 representatives and a supervisor and the issue has not been resolved. I am sending a letter to their DCA department as requested by the supervisor. My monthly payments have been since the original loan ( XX/XX/XXXX ) {$750.00} plus interest. Last month I submitted the {$750.00} + {$170.00} requested for the month of XX/XX/XXXX. When speaking with the supervisor I was informed that the previous mortgage companies were charging an incorrect amount regardless of the original documents which were sent to Rushmore. I would like assistance in resolving this matter .Documents from the website indicates 2 different amounts due. ( {$970.00} and {$800.00} the XX/XX/XXXX statement indicated that {$750.00} was the mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a ton of inquires on my credit report that i did not authorize ( car dealerships ) .I tried to contact the credit bureau about these changes an the refuse to help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (VA).
Issue: Trouble during payment process

Complaint: Our lender is PennyMac, though we initially bought our home through XXXX mortgage. We received a letter that beginning next month, XXXX XXXX, our payment will be increasing from the current amount of {$1700.00} to {$2400.00} due to an escrow deficiency. This is an insane increase to be facing, and it just feels like this has to be an error! We understand that escrow estimates can adjust, but this is such a ridiculously high amount that it seems as though PennyMac screwed up somewhere.

Company response to consumer: Closed with explanation