milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/25/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Credit determination

Complaint: 1. I have XXXX inquires from capital one on my credit report and I only applied once. I have disputed the inquires with the reporting agencies and they say they are legit. They are not. I had a freeze on my account until last year I removed it and started cleaning my credit and did n't apply for anything until XXXX 2016. So to rebuild my credit I applied for a capital one card and was denied but the reasons in the denial letter are incorrect. 1. it says based on your credit report from XXXX, there are too many delinquent past or present credit obligations. ( the only thing on XXXX is my car never missed a payment a collection from comcast that has been disputed and removed from all the other agencies but XXXX. and XXXX paid tax liens from years ago that I have asked many times to be removed they are paid and released. 2. Based on your credit report from XXXX, number of delinquent past or present credit obligations. Again all that is on transunion is my car never missed a payment and the XXXX paid released tax liens Nothing else. 
3. based on your credit report XXXX, number of collection accounts. there is XXXX that is in dispute and was found not mine by the other XXXX reporting agencies but XXXX refuses to remove. 
4.based on your credit report from XXXX, your credit bureau report has missing information about an account or accounts. ( I do n't understand this at all I check it every day and everything is there. 
If your going to deny the credit at least get the information correct. and stop auto inquiring my account. because the inquires are killing my score. 
XXXX XXXX, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Credit card () with CITIBANK, N.A. (IL).
Issue: Credit line increase/decrease

Complaint: Without provocation, I received notice that my credit line was being decreased by nearly 100 %. My available credit was reduced from $ XXXX to XXXX ( the rough amount of my available balance ). 

When I called to question the change, I was provided a nob-descript response referencing my XXXX report. It was my understanding that under the FCRA I was entitled to a copy of this report, but was refused by Citi and have been given no further explanation. 

This is predatory in that it affects my utilization of credit, further subjecting me to increase in APrs, etc and a higher cost of credit without any reason.

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 10/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Noticed some fraudulent stuff on my credit reports and did n't know what to do. Call and asked around everywhere I went, XXXX, ftc, now here said to file theft affidavit. I 've tried to work with this bureau but they wo n't help. Attached is my file and let me know if you need me to do anything 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 non-monetary relief
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX-2016 Not my account Fraud account identity theft

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 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've placed fraud alert on my credit report due to identity thief I 've reached out to, XXXX XXXX and Transunion informing them this XXXX XXXX XXXX Acct # XXXX acct does n't belong to me. I 've even asked for acct verification with my signature, I have n't yet received this information. I 've called numerous time and have talked to customer service. 

XXXX : Dispute # XXXX, XXXX, XXXX, XXXX XXXX Dispute # XXXX, XXXX, XXXX, XXXX, XXXX Transunion File # XXXX - I 've sent XXXX disputes and 4 pone calls

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 09/17/2016 about Debt collection (Auto) with CREDIT ACCEPTANCE CORPORATION (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The insurance company was slow at paying car off after it was totaled i payed what they did not which was a XXXX dollars And they are reporting i was late on payments and i deffinetly was never late they since have given me another loan

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 11-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau of the Hudson Valley, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX 2014 I cancel and paid the balance on my account withcable company XXXX turn in all their device .I was contacted bydebt collection company saying I owed this company money for months of XXXX and XXXX all the way till XXXX how can they claim for money owed on service I never received. remember XXXX my account in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Disputing the credit report No one notified us we were being sent to collections This should not be affecting my credit score and should be taken off 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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In XXXX, Equifax allowed external hackers access to my credit, Social Security, income, and financial history. Their executives made a few million on selling Equifax stock a few days after they learned of the system inflitration but they did not inform the public until after their stock sale. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  When I used the Equifax tool to verify my information had been stolen, it confirmed that my information was part of the hundreds of thousands of consumers whose data was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Stokes & Wolf, P.C. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX Stokes & Wolf PC sent me a letter to settle the Collection for {$2300.00}, which is the Original Amount. I had until XX/XX/XXXX to pay the Account in Full. The Account was paid in Full XX/XX/XXXX. I Received the Letter stating Paid in full. ***NOW***XXXX XXXX who had the Account, will not change the Balance to XXXX and Paid I Full. When I asked they said to Call Stokes and Wolf said I have the Letter and they should change the Balance to XXXX. Called XXXX XXXX XXXX and they said FLAT OUT NO.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/19/2015 about Debt collection (I do not know) with Receivables Performance Management, LLC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Continued robot calls. Will not give me address of collector or admit it is collections agency. Hangs up on me when I ask for address. Calls several times per day for the past month. Requests information of me without providing any identification of their company. Have received no written correspondence from this company. 
Name of company is RPM : Receivables Performance Management. The number showing up on my phone is XXXX, a Virginia number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Credit reporting () with STERLING INFOSYSTEMS INC (CO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: On XXXX XXXX, 2016, I responded to an online ad for a XXXX position for XXXX XXXX XXXX XXXX disclosed online, their background requirements and the process for securing a job. Their background check screening goes up to 7 years so I applied for the position. Later, I learned that XXXX XXXX background check requirements was misleading when I received a copy of my background report from Sterling XXXX XXXX the " Background Screening Service '' where my background check revealed that a 7 plus year background screening was performed on me which, I was not aware of nor did I authorize XXXX XXXX or Sterling XXXX to do. 
On XXXX XXXX, 2016, after I received my report from XXXX XXXX. I immediately requested that Sterling XXXX investigate the errors on my report and demanded to know why their company disclosed information to XXXX XXXX that was more than several years old. I believe Sterling XXXX clearly knew what they were reporting and how far back that they were reporting this information to XXXX XXXX. I believe that they deliberately distorted and lied about my clean motor vehicle record and there were a couple of dismissed cases on my report that were more than 15 years old, that Sterling XXXX XXXX reported to the employer. On XXXX XXXX, 2016 I received an email from Sterling XXXX Representative " XXXX '' stating that she completed the investigation and that she sent me a copy of my report but, I have yet to receive it. 
Even if, Sterling XXXX send me this report, the damages have already been done. XXXX XXXX sent me a new email on XXXX XXXX, 2016 with a second and final decision not to hire me. I believe that Sterling XXXX is at fault for this and for violating the Fair Credit Act. I feel that I have a right to sue for damages in the state or federal courts and I need to know how to proceed in this case. 
I am going to attach a copy of the email I wrote to Sterling XXXX CEO XXXX XXXX and XXXX XXXX. Representatives in regards to my complaint against both companies and I 've attached a copy of the background check that was emailed to me by XXXX XXXX including an online link to XXXX XXXX background check requirements. Here is a copy of the online link : XXXX. I have a copy of my actual background and motor vehicle record at your request. 
Sincerely 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 05-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Bank of America sent me a promotional mailing on  XXXX   XXXX ,  XXXX . It contains  two  promotional offers : " OFFER  1 : L OWER RATE 0 % ( 0 % Daily Periodic Rate ( DPR ) ) Promotional APR until  XXXX   XXXX .   Use Offer ID  XXXX , or use red check number  XXXX . '' " OFFER  2  : MORE TIME 1.99 % ( .005452 % Daily Periodic Rate ( DPR ) ) Promotional APR until  XXXX   XXXX    Use Offer ID  XXXX , or use blue check number  XXXX . '' I called in to Bank of America and mentioned Offer ID  XXXX  and I told them I 'd like to make use of the 0 % APR until  XXXX   XXXX  ( " Offer  1 ' ' ). The customer service agent declined to extend my 0 % APR period on card purchases, stating that the offers only applied to balance transfers. I replied saying that the offers do not mention balance transfers or any such restriction, and if the offer  ( s  ) were indeed limited to balance transfers, that should be clearly stated in the offer  ( s  ). The agent again denied my request to utilize the 0 % APR offer.

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 09-10-2015 about Debt collection (Payday loan) with Oracle Financial Group LLC. (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Most of the issues above describe what this company has been up to. They have called my employer with threatening calls on taking leagal action, they have called my family with the same thing, they have called friends, neighbors etc. Most of these people they had to search for. They have harassed, made threats, etc. They refuse to send anything via postal mail and lie about it when asked. They have refused to provide any information on the company and have been asked XXXX not to contact me via phone, but again refuse to contact me via postal mail. They are a menace.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I submitted a FTC Fraud Affidavit to Transunion on XXXX XXXX, 2016. I received a letter from Transunion, dated XXXX XXXX, 2016, stating that the document does not appear to be an official, valid law enforcement report that they can accept. I submitted the documents through the FTC.gov website. So they have a copy as well as Transunion. I need your assistance in getting this matter resolved.

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 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: For the past, several months I have requested Equifax and XXXX XXXX to make the correction on my credit report one to remove a repossession that should not be there and to remove a wrong social security number ending in XXXX. This is not my legal number. The several times that I have talked with XXXX Relations- he keeps stating XXXX XXXX this SS # is related to the account and when we ran the number your name came up, and that he had proven. When I asked him to send me a copy of that he refused stating that it was private information. 
After checking more into the matter : I purchased the car from XXXX on XX/XX/XXXX on a contract that was not signed by me. A XXXX employee forged my name on the contract. 
XXXX started that I was behind in my payments the month of XX/XX/XXXX thru the month of XX/XX/XXXX. XXXX has always had the SS # as XXXX and refused to talk with me several occasions because I did not have the right number. 
Per my credit report : On XX/XX/XXXX, my SS # was reported on my report. When XX/XX/XXXX reported late payments or days behind they are the ones that put the way SS # on my report and now are trying to say that I have to SS # Other Identification Date Reported Type Code Identification Number ReasonXX/XX/XXXX Social Security Number xxxxx XXXX Variation XXXX was forged my signature, the wrong SS # violated numerous rules and laws This SS # XXXX was never on my credit report until XX/XX/XXXX unit XXXX XXXX reported it

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XXXX XXXX, XXXX my spouse went to withdraw money from our checking account at Chase. Upon doing so, it was discovered that most of our money had been depleted from bot our checking and savings account. My spouse immediately went into the bank and notified them that 2 unauthorized transactions had occurred on our account. One was to XXXX XXXX in the amount of XXXX and the other was to XXXX XXXX in the amount of XXXX. The bank was informed that we do not have accounts with either of these companies and did not make payments to either of them. 
On XXXX/XXXX/XXXX, Chase granted us a temporary credit of XXXX while they researched our disputed claim. On XXXX/XXXX/XXXX, I was informed that they had researched our claim and that since the payment was made from our IP address, that they would be reversing the credit. Since I do not have accounts with either of these companies, I asked if they had disputed the charges with them. I was told that I had to dispute the charges myself. I attempted to dispute the charges with both XXXX XXXX and XXXX XXXX, but neither company can assist me without account numbers. Since, I do not have accounts with them, how can I dispute charges with out an account number. I am trying to get this information from Chase, but have not been successful!

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/22/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (MN).
Issue: Loan modification,collection,foreclosure

Complaint: [ Case number : XXXXHi! This is my second time contacting you. I had written a complaint about my mortgage company lack of help with selling my home on a short sale. I have had a qualified buyer for 11 months. After my complaint to you I heard from them immediately and it seemed they were on top of it calling me every couple days. Now it has been 3 weeks and no word. They are not returning my realtors phone calls or e mails asking where things are at. Not sure where to go from here?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Making/receiving payments, sending money

Complaint: i filled a dispute with Citibank regarding a purchase of {$66.00}. This was not authorized by me and I have told this to Citibank numerous times. This charge was during a trip to XXXX and the hotel charged me the {$66.00} for something I did not authorize. Citibank has refused to credit back the account saying that the hotel provided receipts. These receipts were all in XXXX and XXXX currency, I did not see why the charge for {$66.00} was on my account. Citibank denied my claim. This is unfair because I was not responsible for this transaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: W currently have a home loan with Select Portfolio Service. We are looking to refinance with another company to lower our interest rate and they informed me that with Select Portfolio in 20 years we will have to come up with a balloon payment of approximately XXXX dollars or lose our home. This information caught us completely off guard. We bought this house XX/XX/XXXX with a " coffee arm loan '' soon after we refinanced to a 30 year fixed rate at 4.75 % so we thought. I called Select Portfolio yesterday to discuss this with them and they proceeded to tell me we have a Loan Modification with a balloon payment due XX/XX/XXXX for XXXX. My husband and I feel we were misled in regards to the terms of this loan. The lender I am currently speaking with suggested I contact you, he calls this a " Toxic Feature '' I hope you can help us with this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: My bank says it does not report to transunion, only XXXX and XXXX. 
Transunion lowers my score significantly as it shows no good credit from my bank. 
They said it 's up to me to get my bank to send in all my good on time and paid off loan information, and my bank says they refuse to report to Transunion! My score is low due to this issue when the other XXXX show all my good credit. Should n't Banks report to all XXXX? 
Why should my credit be hurt because a bank refuses to contact Transunion, is n't there a law to protect us from this lack of reporting?

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 Mortgage (Conventional home mortgage) with Ditech Financial LLC (CO).
Issue: Trouble during payment process

Complaint: Hi, I got a letter from Ditech saying they were going to send some one to collect money in the amount of {$850.00} because of fees. I didn't even know I had fees because I pay my mortgage every month or every other week, in the case of biweekly payments. 

I signed up for biweekly payments from Ditech Financial starting on about XX/XX/XXXX and continued biweekly payments until XX/XX/XXXX. In total there were 43 biweekly payments. The first 18 payments were for {$780.00} each. The next 24 payments were for {$840.00}. The 43rd payment was for {$910.00}. 

I signed up for biweekly payments to pay down my loan faster. The company apparently however was holding onto my money and making payments every month. This was very deceptive and I just learned about it after XXXX them. 

In addition during the biweekly payment period I was getting charged late fees even though I was paying every two weeks. Right now I am in the process of communicating with Ditech about my apparent late payments, which they say ammount to {$850.00}. Each late fee was {$53.00}, so this amounts to 16 late payments.

Since my payments were being made on time every week, I had not looked in detail at my statements, where they were showing erroneously that I had late fees. 

The company Ditech Financial has since taken down the biweekly payment offering.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This account is over eight years old I have tried to make arrangements and they refused

Company response to consumer: Closed with explanation