milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX   XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 09/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: On XX/XX/XXXX, I applied online for Barclaycard Visa with XXXX XXXX card with a {$3000.00} credit line. Status provided at end of application process : " We are reviewing the information you provided. We will contact you within 10 days with an update on your application status. '' The Company never contacted me to convey their decision ( declined ). 

In XXXX, I learned that the application had been declined via www.barclaycardus.com. Status provided at that time : " Unfortunately, we are unable to offer you the Barclaycard Visa with XXXX Rewards. A letter with additional information will be mailed to you within the next 7-10 days. '' I have received no such letter from the Company - or any communication in any form - through XX/XX/XXXX. 

Part and parcel to this transaction, the Company : A ) failed to communicate the results of their credit decision within 10 days ; and B ) failed to send a letter explaining why the application was declined. I believe this is in violation of the Equal Credit Opportunity Act. 

I appreciate the CFPB 's assistance in resolving this matter. 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 06-09-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: OCWEN Loan Servicing company has failed to process sevral items such as receiving hazard insurance documents, processing payments even after confirming that ACH program was set up, and errors shown on escrow account. Customer service was unable to assist with problem after spending hours on the phone. There has not been a single thing that has not had an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Vehicle loan or lease (Loan) with World Omni Financial Corp. (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: I was shocked when I reviewed my credit report and found late payment. 

30 days late as of XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwestern Health Management INC (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Nw financial in XXXX XXXX, mo. Shows 3 derogatory remarks on my XXXX credit report. The companys that filed a collection with NW are XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX on XXXX. These were all discharged in my bankruptcy in XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Due to XXXX 's XXXX XXXX error, my account that has been closed and inactive for almost 17 months, was sent to collections. I am in the process of disputing with XXXX and XXXX XXXX which has the debt now.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2015 about Mortgage (Other mortgage) with QUICKEN LOANS, INC. (TX).
Issue: Application, originator, mortgage broker

Complaint: My husband and I are wanting to purchase a mobile home and after trying to fill out the in-house lender through the mobile home park, it prompt me to this page " unfortunately, we do not have a lender that match your needs, etc '' then I picked the Quicken loan " see weblink '' XXXXThen I had applied through Quicken Loan and wrote both my SSN and my spouse. To my surprised, it gave me an error and never received a result. An agent phoned me right away and explained that Quicken Loan never process any mobile home loans and tried to convince me to get a single family home loan. I said NO and they should have never advertised from the mobile home site to begin with. I am a XXXX in the state of XXXX but currently working as an apartment locator. You can say I am very naive about the mobile home buying, but this company put a hard inquiry on my XXXX credit bureau effective today XX/XX/XXXX. This is an unfair practice and obviously I was a victim of a " bait n switch '' type of advertisement. Please help me remove this hard inquiry off my credit because we are trying our best to buy our cheap permanent home. This hard inquiry will definitely affect any future purchase. Here is the Quicken Loan informationEMS QUICKENXX/XX/XXXXXX/XX/XXXXMisc. 
Creditor Contact DetailsQUICKENLOANS/EMSQUICKENXXXX XXXX, XXXX XXXX ( XXXX ) XXXXSee something wrong? 
Find out how to dispute a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am submitting requested document from CFPB Case # XXXX, notarized affidavit. I previously submitted a complaint to CFPB. You assigned it complaint number XXXX. Then I responded, you gave it complaint # XXXX and today XX/XX/XXXX I am submitting again : The company responded to the complaint and attached a credit card statement that shows my name with an address that I never occupied. This means that this account was opened using identity theft. Though I requested from the collection agency to obtain a copy of the signed credit application and send it to me, they instead sent you a credit card statement. Yet as you can see, the address on the statement is an unknown address for me and this is why I demand that the collection agency obtains and sends me the copy of the signed credit application for that debt. The collection agency has replied on the documents attached to the first complaint I filed, a letter indicating that If I believe that the account was a result of identity theft, that I must file a police report. I went to my local precinct to file an identity theft, yet when I showed the letter from LVNV funding where it says account opened in XX/XX/XXXX, the officer refused to give me a report because he says he ca n't file a report for something that happened 7 years ago and without evidence such as the signed application which LVNV funding failed to provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/23/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: Chase bank for XXXX card charged me late fees due to me not paying them before XXXX. I never had a problem paying them via over the phone with their automative phone service. They just recently started charging me late fees. I told them that I am on XXXX time. They told me they did n't care and charged me anyway. They went up on my interest rate every month except for XXXX and XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: XXXX XXXX XXXX is not allowing a third party application to access my account even though I approve the access. I should have access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 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: Account information incorrect

Complaint: Dear Whom it may concern, I have a medical collection account on my credit reports including XXXX, XXXX  and Experian it was placed in collection and on my report as XXXX XXXX. I submitted a complaint to the CFPB against XXXX XXXX for never providing proof of debt and verification of debt and they stated to the CFPB, " The company responded that they are not the appropriate company to address your issue. '' XXXX XXXX admitted they are not the company to address my issue I want this collection account deleted right away because they are providing false information to all 3 credit reporting agency 's.

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 04/27/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: My Navient loans with co-signers are current. But they are getting calls at home and at work plus letter saying they must make a payment. I have n't been than 20 days late in  over two  years. I have n't been behind enough to warrant aggressive collections. I am worried that  XXXX   XXXX  is okay'ig aggressive collections efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: this account was paid in full and closed buy the consumer it was never late are Charge-off XXXX XXXX XXXX XXXX  Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance $ - Balance Updated - Credit Limit {$7500.00} Past Due Amount $ - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, DE XXXX Ownership Joint Account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History

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 07-08-2016 about Debt collection (Credit card) with Peroutka, Miller, Klima & Peters, P.A. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, XXXX, I received a court document from District Court in MD indicating that I am named as a defendant in a civil case going back to XXXX. The document is in former name that I have not used since XXXX. From the court documents, it showed that this legal office have been sending letters to an address that I have not lived in from XXXX to XXXX under that name and pinned a judgment against me knowing that I would receive the document. I do n't recognize this debts nor have I ever owed any money to XXXX as indicated. This is clearly a tactic used to get the court to issue a judgment in my name for not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (MA).
Issue: Taking out the loan or lease

Complaint: JP Morgan/Chase Auto and XXXX XXXX XXXX in conjunction with XXXX XXXX XXXX and XXXX XXXX of NH, perpetrated a FRAUD car loan upon me in XXXX of their high-risk predatory lending schemes for which they have been previously penalized/fined by Federal Government by litigation brought forward by NH Banking Commission in XX/XX/XXXX-to date. 

On XX/XX/XXXX, all of the above perpetrators received a CH. XXXX demand letter requesting they cease and desist their fraudulent claim against me and remove/delete all derogatory reporting filed against me in credit reporting agencies, and stop high-risk predatory auto loan schemes against me. 

MA and NH Attorney Generals have received copies of my Ch. XXXX demand letter and complaint against above perpetrators. NH Atty General forwarded my complaint to NH Banking Commission which originally successfully litigated against JP Morgan/Chase in their previous high-risk predatory mortgage-lending schemes and Fed. Govt penalized/fined them for their illegal actions. 

On XX/XX/XXXX XXXX XXXX received notice of a fraud alert on my account by JP Morgan/Chase Auto, yet continued to update my XX/XX/XXXX Credit Report including derogatory comments on my account. Please contact TransUnion so that these derogatory comments by JP Morgan/Chase can be deleted. I lost XXXX points on my credit score because of these fraudulent derogatory comments notated by TransUnion.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (DE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I moved from my apartment XXXX in XXXX of 2013. I received the itemized statement of amount due ( attached ) totaling {$980.00}. 

Just 24 months later, IQ Data is attempting to collect {$5500.00} on this debt. An increase of over 500 % of the amount I owed. This is blatant manipulation of debt to collect much more money than is owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed several items on my credit report and they have not responded with proof or anything.

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 12/27/2017 about Payday loan, title loan, or personal loan (Installment loan) with Green Trust Cash, LLC (PA).
Issue: Charged fees or interest you didn't expect

Complaint: i took a loan for XXXX XXXX dollars after I got the payoff schedule which was different than what it was, I already had paid {$400.00}, I called for my balance for payoff and the balance was over {$310.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Problems caused by my funds being low

Complaint: I recently had a reoccurring transaction put my bank account in the negative by {$4.00}. I was going to attempt to deposit cash in an ATM after work to rectify this. However, by the end of the evening, XXXX transactions from the two days prior had cleared and I was charged overdraft fees for both. Now I was at negative {$74.00}. My bank then cleared the rest of my transactions by the following morning, for a total of {$280.00} in fees. I called and explained that there was funds when those previous transactions went through but my bank claims I had been negative for several days. This would not have been the case if it were n't for their fees.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (KS).
Issue: Application, originator, mortgage broker

Complaint: We chose Bank of America to do our mortgage when we decided to purchase a house. Bank of America assured us they would make our closing date, but when the closing date came, neither I, nor my realtor, nor the title company could get a hold of them, until they admitted they had n't completed the paperwork on their end and the house would n't close on time after all. The house went out of contract.

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 10/19/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Struggling to pay mortgage

Complaint: Ocwen ignore the Temporary Restraining Order from the XXXX XXXX of the State of California in an for XXXX XXXX of XXXX XXXX. Ocwen and their trustee XXXX, XXXX. XXXX XXXX and XXXX, XXXX continue foreclosure on our house, the sale date is XXXX XXXX, XXXX. 
Ocwen violate The California XXXX XXXX of Rights ( XXXX ) in many ways. I submit the loan mod on XXXX XXXX, Ocwen continued to charge late fees for periods during which a complete loan modification application is under consideration, during an appeal. Ocwen denial did not include a detailed explanation for their decision. XXXX requires the servicer to assign borrowers an accountable single point of contact ( XXXX ) to help navigate the loan modification/foreclosure process, upon request from a borrower who requests a foreclosure prevention alternative. I am writing to request correction of the error described below in regard to the mortgage on my property at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Payment Errors : I need your company send me the complete payment history for this account from the day XXXX signed on the note : XXXX XXXX, XXXX Fee Errors : Your company incorrectly imposed a late fee. I need a breakdown for all the fee/cost/payment and any other amount on your reinstatement statement. Please be very specific and very detailed for single dollar you put in 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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax security breach. Will not allow site action, e-mail or phone response. No way to contact! All systems will not complete request for new freeze a family member or allow access to see if effect by breach. Equifax needs to be shut down by government action immediately to prevent any credit actions on all accounts, thus preventing any one getting ID stolen!!

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This has to do with the Equifax breach that has happened. I am filing a complaint after attempting to get information and well anything useful from the company without success. Their poor management and security has resulted in my information being stolen and so far I have been mostly told to call back later or that I can get a year of credit monitoring service if I wave any right to legal action on them which is n't going to happen. This is beyond unacceptable for a number of reasons including the likelihood of a persons information not being sold or used right away so a year is useless for something that is going to be a lifetime problem.

Company response to consumer: Closed with explanation