milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To Whom This May Concern : Upon reviewing my Transunion account it looks as if I have a LOT of inquires that DO NOT belong to me on my account. I even have some that show up at multiple dates. I mailed a Multiple Inquiry removal letter on XX/XX/XXXX by certified mail in order to dispute information, in regards to 15 inquires, that is being reported on my credit report. They received the letter on XX/XX/XXXX and they completed the request on XX/XX/XXXX. I mention to them that I have never stayed in the state of Texas and most of the inquires is in that state. The request that I submitted included 28 inquires that were not factual and I received the same response for All inquiries, which was Inquires are a factual record of file access. If you believe this was unauthorized, please contact the creditor. I would like for the below inquires to be deleted. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate ANS respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into the original dispute for hard inquires that does not belong to me, I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. Thanks

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 11/29/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: We are in the process of completing a Short Sale applicationon our home as a necessity as my employer is relocating. Having followed all stages of the Short sale process and securing an offer with terms dictated by our OCWEN relationship manager, who assured us they would be approved, we now have an offer. Once the offer was submitted to OCWEN, our realtor was informed that the property would have to be listed on XXXX as a condition of approval. 
At no time were we informed verbally or in writing that this would be a condition of the approval. Due to the relocation aspect of this case, any involvement of a third party ( XXXX ) in the transaction would be in conflict with contracts we have outstanding with my employer and relocation company. It would also result in the existing, complete offer being retracted and leave us with no offer. We are in the process of contacting the ombudsman, to request support in our case to have the files returned to OCWEN but they are currently with a Third party without authorization from ourselves. Proceeding in the require process, of which we have never been informed, would result in jeopardizing both the offer sitting and the terms of my employment status.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Bank account or service (Checking account) with THIRD FEDERAL SAVINGS & LOAN ASSOCIATION OF CLEVELAND (OH).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX I submitted check # XXXX from my XXXX checking account to Third Federal Savings & Loan of XXXX OH for {$200.00}. In early XX/XX/XXXX I satisfied and closed all accounts with XXXX XXXX. 
In XX/XX/XXXX I discovered {$200.00} missing from my XXXX checking account. After spending considerable time tracing to find the source I called Third Federal and learned they had issued a duplicate check and charged my account. Third Federal committed to sending me a letter explaining how this had happened however in spite of my numerous calls I have received no such explanation from them. 
As this constitutes an act of theft I respectfully request your assistance in holding Third Federal accountable for their actions and for them to submit to me a written statement acknowledging same.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To whom it may concern : I am writing to to see if you can help me resolve an issue I am having with the credit reporting bureau XXXX, XXXX, Experian i recently requested a copy of my credit reports from each of the credit bureau. Upon receiving my copies I realize some inquiries on my report that i did n't do. I wrote several letters called several time and still the inquires has remained on my credit reports. The Inquires are XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX. I recently send out certified mails to each of these company and I have not heard back from them regarding these inquires. I am asking if you can step in on my behalf this is my last stop to see if I can have these information remove. The only thing they have done is erase the names, addresses, phone numbers, and the person had change around my social security number so they fixed it once i mailed over a copy of my ID, bill with my real address, & S.S.C. to them. They still refuse to remove the inquires that was on my report that i never applied for credit with these company. All the 3 credit bureau did is placed a FRAUD ALERT on credit report for 90 days. I am not understanding why they can erase all the fake names and addresses that the person was using to be me why the inquires ca n't be removed. Please I am seeking help from you or point me in the right direction to get this issue resolve because of all these things it is making it hard for me to really know which way to go. I am patiently waiting on your response. Thank you in advance for your help I really appreciate 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 non-monetary relief
Consumer complaint received 01-12-2017 about Debt collection (Auto) with U.S. Auto Credit Corporation (KY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I am behind on my car payment not 30 days which is in my contract, the customer service representative that keeps calling is XXXX XXXX ( XXXX XXXX XXXX Ext XXXX. Yesterday, was really the last straw for me. She shared information about me to a Co-Worker about my debt problems. After I told her many of times please do n't call me on my job, that I get off at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Consumer Loan (Title loan) with ALLY FINANCIAL INC. (NY).
Issue: Payment to acct not credited

Complaint: A payment was made on XXXX XXXX 2015 for XXXX due payment ( payment made early ) the payment was not credited for XXXX resulting in their reporting and accounting of late payment fees, credit report of late fees etc., the company Ally Financial refuses to correct the account.and all payments made after that date have been based on wrong accounting of the payment which was made in XXXX XXXX, 2015 and received by them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Debt collection (Medical) with I.C. System, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This was done at the time when I was on XXXX from XXXX XXXX only making XXXX an hour with no insurance and XXXX kids and a husband who could not find work the hospital put me on a " sliding scale '' so it was cheaper supposedly and I qualified for XXXX but they did not help me get on XXXX I applied 3 times for XXXX but it was always on a " pending '' status and then the time ran out and then it came back as declined!!! I was on food stamps for dying out loud but could not get approved for XXXX! I had an XXXX that required me to take care of it other wise I would XXXX the doctor gave me no option she said it was life threatening!! I applied and applied for XXXX but still got denied on low income and single income my family only had me to provide!!! This is not fair to me that I was doing the required steps to get this taken care of and this was at the time XXXX was just rolling out and it ended up messing with my credit and showing as a delinquency! I want this removed from my credit! This was not my fault!!

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 01/31/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Billing disputes

Complaint: On XX/XX/XXXX I noticed a charge on my credit card account : XXXX for the amount of {$39.00}. I did not recognize this business and discovered that they are in the business of computer games. I did not ever contact this business nor solicit and computer game from this or any other company. 
I called Bank of America, my credit card company, and disputed this charge. The amount plus interest was credited back to my account on XX/XX/XXXX. 
On XX/XX/XXXX I saw there was a credit back to XXXX for {$39.00}. I again contacted Bank of America and was told that BOA believed the company charge was legitimate since they said they had my e-mail address. I again persisted that this is a fraudulent charge and the amount plus interest was credited back to my account. 
On XX/XX/XXXX I wrote Bank of America to put my concern that this company was using stolen/hacked personal and credit card information from me in an attempt to bill me for a product that I never requested. 
On XX/XX/XXXX I received a letter from Bank of America that was dated XX/XX/XXXX in which they affirm their position that the sale was legitimate since the company provided a bill of sale that had all of my personal information and credit card number. ( A month to receive a denial letter from the bank ). NOWHERE IN THIS LETTER IS THERE ANY CONSIDERATION GIVEN TO MY STATEMENT THAT THIS INFORMATION WAS STOLEN/HACKED AND IS BEING USED WITHOUT MY AUTHORIZATION. 
Further, a google search of " XXXX XXXX fraud '' brings up XXXX web sites where numerous people have complained about this company for being charged for products that were never ordered and for which they were repeatedly billed each month. 
I believe, without proof positive, that my name, billing address, e-mail, and credit card number, expiration and security code were stolen/hacked the day after I made an online order with " Reloading Unlimited '' This was the only out of the ordinary business with which I conducted business with and coincided with the appearance of this fraudulent charge from XXXX XXXX. 
I did receive an e-mail from that company but I never opened it nor used the access codes they say they provided in that e-mail to activate the game. Apparently Bank of America did not ask in their " investigation '' if I ever actually used the game or link they allegedly provided. 
Simply because they send me an e-mail with an unsolicited product does not translate to a conclusion that the order was legitimate and executed by me. MY INFORMATION WAS STOLEN/HACKED AND USED BY THEM WITHOUT MY PERMISSION. This Company is in the business and has a history of charging peoples account for products they never ordered.

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 05-05-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My Best Buy Credit card ending in XXXX I had closed the account due to reoccurring fraud. ( 6 times ) someone went into several best buy store and looked up my credit account and made large purchases without a physical card. Now I have charges on an account ending in XXXX which was reissued after my this fraud claim even though I told Citi Bank that I wanted the account closed. Citi Bank who is the Best Buy Credit Card issuer told me those accounts were closed but some how someone made another purchase. Seems like this is a Citi Bank Issue. Now I have a balance due {$1600.00} which Citi wants me to make payments on even though non of the balance is mine. I have called them multiple times and its like talking to a tree.

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 monetary relief
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: OnXX/XX/XXXX I worked with a rep. from Chase re. inaccuracies on credit card ending in XXXX.
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Chase reported that I was 'past due 90 days ' in XXXX, XXXX, and XX/XX/XXXX, according to an XXXX credit report pulled on same day ( refer to complaint # XXXX for credit report number ). The rep. reported that I had missed no payments for the months cited. In addition, she said that I was on a payment plan and " When on promised plan, no adverse reporting to credit bureaux if current on ( agreed ) payments ''

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

Complaint: These account are open because of fraud. I have disputed with the companies more than once. not sure why they continue to be on my credit report. 

XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX {$3800.00} XXXX XXXX XXXX FINANCENeeds Attention Last reported : XXXX XXXX, XXXX {$3000.00} In Collections/Charge-off XXXX XXXX XXXX XXXX NA Closed : XXXX XXXX, XXXX {$1000.00} Closed XXXX XXXX XXXX Closed : XXXX XXXX, XXXX {$200.00} Closed

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 06/19/2015 about Student loan (Non-federal student loan) with Student Loan Processing Direct, INC (TX).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: I was contacted by Student Loan Processing Direct ( XXXX ) by XXXX XXXX in XXXX 2014 for the purpose of paying off my Federal loans, consolidating them and lowering the interest at a fixed rate. A consolidation fee would be need to be payed in the amount of {$390.00} to start the program then an agreed monthly amount would be paid against the loan. Monthly payments were deducted beginning XXXX 2014 to present. When I learned my credit was indicating a negative score from the Federal Loan Program is when I learned this company had changed my contact information & phone number to another address and falsly claimed my loan in foreberence to avoid the Federal Loan from trying to contact me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/23/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Payoff process

Complaint: BANK OF AMERICA HAS HIRED A LAW FIRM XXXX THAT IS VERY AGGRESSIVELY ATTEMPTING TO COLLECT ON THIS 5 YEAR OLD ACCOUNT. I HAVE ATTEMPTED SETTLE THIS DEBT WITH BANK OF AMERICA WHO IN WRITING CONFIRMED THEY STILL OWNED THE NOTE BUT REFUSED TO ACCEPT A PAYMENT OR TO NEGOTIATE A SETTLEMENT. 
XXXX XXXX HAS REFUSED ALL OF MY ATTEMPTS TO SETTLE THIS ACCOUNT ON BEHALF OF BANK OF AMERICA, AND ADDED ON EXCESSIVE FEES ON THESE XXXX ACCOUNTS EVEN AFTER I HAVE EXPLAINED THEM MY FINANCIAL HARDSHIP POSITION AND BEING A SURVIVING CHILD OF A XXXX VET ALL MY REQUESTS AND ATTEMPTS TO SETTLE PAY AND NEGOTIATE THESE ACCOUNTS WERE IGNORED ANY MY CONSUMER RIGHTS AND PRIVACY HAVE BEEN VIOLATED ON NUMEROUS OCCASIONS. PLEASE HELP

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 10-08-2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (NE).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: OnXX/XX/XXXX I sent the company a letter demanding validation of the balance they are seeking to collect. The company has failed to respond to my request for validation of the account but is still reporting the information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: This complaint is on XXXX XXXX for failing to correct credit bureau reporting. I have been a customer in good standing with XXXX XXXX for at least ten years but have rarely used my card in the last few years. XXXX XXXX has had a history of charging my card without my knowledge after new vehicle purchase. It seems like the dealer might be providing my credit card information without my consent. This occurred in XX/XX/XXXX and XX/XX/XXXX and both instances were disputed and the charged amounts were refunded by XXXX XXXX. As a result of these fraudulent charges, my credit card went 60 days late as I was not aware of the charges and I do not use the card. The credit card company agreed the charges were fraudulent and reversed both late payments and the interest charged. However, they have not corrected the late reporting to the credit bureau.

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 01/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AmeriCollect (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Americollect is on my credit report saying I owe {$1000.00} to them. I asked them to provide debt validation and they cant. The only thing they provided was a statement/bill. I got in contact with the original credit which was XXXX. XXXX stated I didnt owe them any money, further more they didnt even have me in their system. I sent a copy to Americollect and they then stated its for XXXX who supposedly is my son. That is not my kid! From my knowledge if I owe them a bill they supposed to send me debt validation not a statement/bill. I should received a contract thats between Americollect and I saying I owe them money with my signature saying I agree to pay them. I will like for them to remove that collection off my report asap since thats not my bill and they cant provide me with any type of debt validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Debt collection (Federal student loan) with Windham Professionals, Inc. (MS).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was XXXX for 4 years and once I was released I tried to set up a payment plan but was told that i could not and would be sued, wages garnished etc. 
When they would call, my mother told them that I was in jail and tried to make arrangements to make payments for me but they could not give her any 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 04/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX   sent my account to collections for the full amount of the lease breaking fee, however, they did not deduct any of the payments I had made previous to my account going to collections. I paid the amount I truly owed within 30 days of account going to collections  XXXX  at   XXXX   XXXX   XXXX    XXXX   XXXX  said she would contac t National Credit   Systems to le t them know I do not owe the {$230.00} that is left. I am still being billed and threatened credit reporting of the {$230.00}. I have called the collection agency numerous times and "  XXXX  '' has never called me back or started taking any steps to rectify the situation. As of today, he stated he did call me back and I never responded. I asked where he was calling because I never received any voicemails. He said he is not sure where he called. He said their calls are recorded and that is proof he called me. I asked for a copy of the recording and he said I have to subpoena it. I have called and spoken to  XXXX  at The  XXXX   XXXX   numerous times who said she has cal led National Credit Systems  and she is not sure why they are still billing me. According to  XXXX  my record does not show that she called them at all.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation