milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion is reporting inaccurate information on my credit report. The tradeline listing is for XXXX XXXX and it shows " 120 days late '' as of XX/XX/XXXX. I have proof that this account is not late since it has been been through rehab for XX/XX/XXXX. Also, I can show that this account has been " manipulated '' by deleting all " ok '' after the rehab of the loan. By deleting all " ok '' from the account after XX/XX/XXXX, this shows that the account is still late and in default. Currently, the account is managed by 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 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: SOMEONE OPEN UP A  XXXX   XXXX  ACCOUNT USING MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH BUT THEY USED THE NAME  XXXX   XXXX  WHICH IS A FEMALE  XXXX , I AM  XXXX   XXXX . I SENT POLICE REPORT TO EQUIFAX AND  XXXX  SHOWING WHERE MY IDENTITY HAD BEEN STOLEN AND THIS WAS FRAUD AS WELL. NEITHER BUREAUS HAVE REMOVED FROM MY CREDIT FILE THIS IS NOT MY DEBT.

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 03-03-2016 about Student loan (Non-federal student loan) with KEYCORP (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Key Bank Collection Settlement called and asked to set up a payment plan because my loan had defaulted ( I did not default, I filed for bankruptcy and was told that immediately defaults this loan ). I agreed to making a regular monthly payment. I have repeatedly asked for a statement with the current balance and payment history and have not received one for months, although I continue sending payment for fear of defaulting. I believe my right is to receive written notice of the balances.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Have been going back and forth with Equifax for many months ... still have requests about removal of items ... Equifax keeps changing the date of report on items that I am trying to get removed. Equifax states " positive items '' stay on report for 10 years from date of report ''. This is wrong. Every time Equifax sends me an updated report that changes the time frame of removing an item from my credit report. 

QUESTION : HOW LONG DOES A NEGATIVE ITEM REMAIN ON MY CREDIT REPORT-AND FROM WHAT DATE " DATE OPENED '' OR " DATE OF LAST ACTIVITY '' QUESTION : HOW LONG DOES A POSITIVE ITEM REMAIN ON MY CREDIT REPORT AND FROM WHAT DATE- '' DATE OPENED '' OR DATE OF LAST ACTIVITY '' MY UNDERSTANDING IS THAT NEGATIVE ITEMS WILL BE REMOVED ( OR CHANGED TO A POSITIVE STATUS '' 7 YEARS FROM DATE OPENED. 
*XXXX-Date Opened XX/XX/XXXX-over 7 years old-this should go to a positive status now. CORRECT ASAP. 
For the 4th time, I am requesting the items be removed : *XXXX : I NEVER USED THIS ACCOUNT. CREDIT CARD WAS APPROVED, BUT I DID NOT WANT THIS CREDIT CARD. DATE OPENED XX/XX/XXXX-OLD REMOVE-OVER XXXX YEARS OLD. 
*XXXX-REMOVE-OLD ACCOUNT OPENED XX/XX/XXXX-10 YEARS OLD REMOVE EQUIFAX STATES ITEMS THAT HAVE BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED TEN YEARS FROMTHE REPORT DATE. YET THE REPORT DATES CHANGE TO WHEN THEY SEND ME ANOTHER UPDATED REPORT. THESE ITEMS NEED TO BE REMOVED NOW AS THE DATE OF REPORT EQUIFAX SENDS KEEP CHANGING - AND THEN ITEMS KEEP STAYING ON MY CREDIT REPORT LONGER THAN NECESSARY. 
remove these items now.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Credit reporting () with Experian Information Solutions Inc. (PR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is the second time the same company by the name of XXXX XXXX posts a collection on my credit report. This account # XXXX is not mine with a balance of XXXX. It is a result of identity theft. Experian has a police report in their files regarding my identity theft. I submitted my dispute explaining this and the result was an update which did not change the reporting of said account. 

Also my experian report has an also known as : XXXX XXXX. 
This is not my name, I have never applied for any credit under this name. This is not my name this name is there are a result of identity theft. My police report also lists the aliases that are not mine.

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 03/19/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was contacted numerous times at different numbers calling about a debt that resulted from my ID being stolen along with credit cards bank accounts and anything else that was in my wallet. I have written letters I have told him over the phone and yet it still appearing on my report. I 've suffered enough.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (ND).
Issue: Deposits and withdrawals

Complaint: Someone use my Bank of America visa debit cards, checking account and money market rewards savings account to make fraudulent transactions. Under federal law and according to Visa policy, a consumer has zero liability for fraudulent and unauthorized charges/transactions. Someone stole and used my personal information and impersonated me to steal over {$30000.00} from my checking account. I have filed claims with Bank of America in regards to this matter. The following claim numbers are all fraudulent and unauthorized transactions : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and 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 11/15/2016 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (FL).
Issue: Application, originator, mortgage broker

Complaint: On XX/XX/2016 I submitted an application online and finished it over the phone with XXXX at Amerisave Mortgage. At this time I told him that I had a 1st and a 2nd mortgage that I wanted to subordinated the 2nd mortgage to the new first and wanted to make sure that would be ok. He said that would be fine locked my rate ordered disclosures and collected the funds for my appraisal. XX/XX/XXXX I received my initial LE and no subordination fees were listed at this time. ( My loan was also priced incorrectly not listing my XXXX, which I did n't know at this time ) XXXX subordination paperwork was submitted via email and into Amerisave 's system. XX/XX/XXXX Appraisal came in lower than expected but new disclosures were generated with a rate adjustment for the difference. ( again priced incorrectly, did not know at this time XXXX XXXX new LE was generated with updated pricing showing subordination fees XX/XX/XXXX contacted Loan officer about the inaccuracies on LE, he said he would look into this and told me that he did n't have it priced with a XXXX mortgage being subordinated. XX/XX/XXXX email from LO stating his boss was looking into the incorrect fees but never heard back or received an updated LE. XX/XX/XXXX uploaded and emailed title work from the title company including a prelim CD showing the updated title company 's fees ( I still have n't received an updated LE on this either ) XXXX original subordination agreement was received by the title company and emailed to Amerisave processor XX/XX/XXXX Received an email from my processor at Amerisave stating that I had XXXX outstanding conditions, both items requested were emailed to her XX/XX/XXXX. XX/XX/XXXX I was informed that the information that was submitted on XX/XX/XXXX was n't enough and that it had been elevated to credit risk for approval. At this point I have processed my own loan and still have been given the run around. They have tried to charge fees that were well out of the three day window to redisclosue due to a change of circumstance and also did a bait and switch with my pricing, when it was fully disclosed at application that I was going to be subordinating my XXXX mortgage to the new first with Amerisave. Now that we are getting close to my rate lock expiring they are dragging their feet for my approval. Being a XXXX as my profession this has been the worst experience that I have ever been through, had this been someone that was n't familiar with the process it would have been even worse. At this point I feel that they are dragging their feet to deny my loan because of all the error 's that I have pointed out to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/28/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Chex system actually wrote back to you and lied. 
The police said that there is no shelf life or expiration date for a police report when it contains similar offences over the course of years to follow. Check system seems to want to feel that the police should do things differently and that what they like. The law clearly states that I need to file a complaint with them that the information is fraudulent and they have no more than four business days to block it. If they find they blocked it and error then they can add it back. The police do n't have to do their job and I do n't have to do their job I 've done my part according to the law of the fcra section 605b. I 've complied with that and they have broken that law. Please write to them with this complaint and tell them they can not rewrite the laws because they want it that way petitioner Congress people and have the Congress people rewrite the laws but they have to follow the laws as written. And there 's no shelf life for police reporter investigative report for ID theft and they 're absolutely is no leniency if they do n't react within 4 business days. We 're talking years now and they still have not complied at all. Have them answer to these charges because they are a XXXX percent factual. I 'm a victim of identity theft the court found that and the police found that I do n't have to constantly defend myself because an agency does n't want to follow the law. Have them remove this information immediately. XXXX XXXX XXXX Bank and XXXX XXXX XXXX. After the police report was concluded XXXX Banks tried to take me to court saying that I was using an alias and they lost. That 's the dismissal that was voluntarily done by the XXXX Banks. So much for the shelf life of a police report because this was the next year. I did n't have to file a new police report the courts accepted that XXXX from XXXX this dismissal was XXXX. The letters that have gone out for my attorney to these entities are dated XXXX of XXXX and they do n't feel I need to file a new police report because the police do n't want it and they know the law too. Check systems needs to be called out and have them follow the law they ca n't rewrite the law because they want to and they do n't like it. No argument they make is valid at this time unless the law gets Rewritten. Act according to the law ChexSystems not what you want the law to be.

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 04-11-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My loan payment was {$98.00} a month until it was transferred to NelNet, where it increased to $ XXXX. Over the past 6 months I have been trying to get it my payment back to the original and finally worked something out about a month and a half ago after being told to call various people, complete various forms, etc. Today when I went to go pay my loan the payment is {$130.00}. I asked for them to listen to the recording of my last phone call and apparently they are unable to do so. I just want my payment to go back to {$98.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 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 have requested that these accounts be removed due to both fraud and failure to prove the debt as being mine. We filed and submitted documents for identity theft and submitted to them on XX/XX/XXXX The Credit Bureaus have failed to respond with the signatures as required by Federal Law and must delete the accounts on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2016 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: I have been left as a victim of identity theft. Someone has been using my ID/Social/Drivers license to take out loans and credit cards. I have been trying desperately to let these companies know about my situation but there is XXXX company that refuses to take any of my claims seriously. I was traveling around the world as a drummer for my band for a little over a year. Someone that looks like me was using my identity and my home to commit fraud. Alphera Financial Services was XXXX targeted lender. They granted this thief an auto loan in my name and refuse to send me any proof of their investigation. They do not accept my calls since I ask I record them as well as I will not speak to them on a recorded line if they can not grant me the same privilege. They will not send me proof through mail. I can not get this company to mail me proof or speak to me. This company MUST adhere to FCRA and send me the proof I am requesting!

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

Complaint: I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished XXXX XXXX regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.

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 07/29/2016 about Credit card () with CITIBANK, N.A. (CO).
Issue: Billing disputes

Complaint: went to pay XXXX on phone-said i couldnt acct had gone to citibank-called citibank sad i didnt have to pay in XX/XX/XXXX and there would be no interest as i always paid account in full. got bill fron citibank with interest on it. called said 1st person told wrong info and there would be interest. asked for something in writing said they couldnt give me anything just dont pay. called again told dont pay interest but cant give anything in writing anf must pay total to not be charged next month when innterest credit will be taken off. asked for superisor told none available but would have one call some time. .filled out on line questionnaire with all this info got no response.

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 08/18/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (MN).
Issue: Settlement process and costs

Complaint: I signed a Reaffirmation Agreement with US Bank /US Bancorp on XX/XX/XXXX which states a fixed rate of interest 3 % for 375 Months, filed with US Bankruptcy Court . They are now saying that the modification done in XX/XX/XXXX is what is binding and that the reaffirmation agreement is only for credit reporting purposes. They have not reported any of my mortgage payments for the past 5 years to any of the XXXX credit bureaus. And are now raising my interest to 4 % for XX/XX/XXXX then 5 % XX/XX/XXXX and are amortizing the loan 400 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2015 about Prepaid card (Mobile wallet) with PAYPAL HOLDINGS INC. (CA).
Issue: Fraud or scam

Complaint: On XXXX XXXX, 2015 I made a purchase on XXXX. I went through paypal to make the payment with my credit card on file. On XXXX XXXX, 2015 I received a notice that paypal had ran a credit check on me which I did not request or authorize. On XXXX XXXX I received an email from Paypal Credit saying that they had approved a credit line for me for {$1200.00} Again, I never knowingly applied for a credit line. Why would apply for a credit line for a {$38.00} purchase that I could use my credit card for? I called paypal through XXXX to report fraud today, XXXX XXXX and paypal told me it was for my purchase on toyrus.com and they would immediately close my account. They claimed that I would 've had to go through the process of filling out an application for an account which I never did. I still have to go through the process of paying the balance because they would not take credit card payment, they would only take a bank account payment so I have to wait for them to send me a paper statement.

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

Complaint: 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.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Debt collection (Credit card debt) with Law Office of David A. Bader, LLC (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I HAVE BEEN IN COURT AND JUDGE GAVE XXXX XXXX IN XXXX WIN OVER COURT HEARINGS THEY WENT ON PROCEEDED WITHOUT ME HAVING ATTORNEY TO HELP. AFTER REVIEWING ALL THE CASE I FOUND THAT IT IS NOT MY DEBT, HE DIDNT PRESENT PROOF ONLY PAPER THAT CREDIT CARD CO GAVE HIM. ALSO STATE OF OHIO STATUE OF LIMITATION IS 6 YEARS TO FILE THEY DIDINT GET JUDGMETN XX/XX/XXXX FILED THEN JUDGE GAVE JUDGEMENT XX/XX/XXXX BIENG OVER TIME LIMIT OF OHIO TO COLLECT DEBT

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

Complaint: Equifax mishandled my personal financial information and neglected to implement proper security functions in their data storage. The data breach announced on XXXX XXXX, 2017 likely included my information. 

Nothing has been done by Equifax to notify me personally. It was announced publicly over a month after it was detected, and nothing was done to indicate who may be affected. I only learned about the breach and potential remedies through social media. 

As a credit reporting service, Equifax automatically and unavoidably has access to much of my personal information. Since credit reports are required for most major personal life actions, individual consumers have zero market power over these credit reporting companies. Thus there is nothing that can be done practically to keep this from happening again, both personally and as a nation.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Debt collection (Medical) with Ability Recovery Services, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX of XXXX submitted a debt to collections that was paid by my insurance company. I spoke to my health insurance company and confirmed check # XXXX was sent to XXXX XXXX XXXX on XXXX/XXXX/15 and cashed on XXXX/XXXX/15. I spoke a representative name XXXX with Ability Recovery Services in XXXX and explained the situation. She stated there is nothing she can do that XXXX XXXX XXXX has to close out the account. I spent two weeks attempting to reach a representative with XXXX and each time I called I received a voicemail with a recording stating the mailbox is full. I called back to Ability Recovery Service and spoke with XXXX who stated there is nothing she can do and that the account has to be closed by Advance Urgent Care. I advised her that is unacceptable and that she needed to do something about this. I told her that this is account is reporting on my credit and therefore affecting me in obtaining licensing needed for work. She said she " does not need to do anything '' and that she is " getting paid either way ''. I asked for her manager and she said " no '' she would only transfer me to the voicemail. I told her I will hold to speak with a manager. She said " that is not how it works '' and blind transferred me to the voicemail of XXXX XXXX. I left a voicemail message for XXXX XXXX the " manager '' and have not received a response at all.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Debt is not valid. I do n't have a contract with collection agency. I keep disputing and they keep sending me letters saying the debt is mine.

Company response to consumer: Closed with explanation