milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. ().
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Hello, I have had to replace my credit card several times. The last time was because someone placed a LARGE amount of money on the card. It was taken care of and XXXX XXXX   issued me a new XXXX XXXX XXXX XXXX. 

I STRESS BEFORE I even RECEIVED the card in the mail I received an email from XXXX XXXX and it said I needed to Update my credit card and it gave me the last four digits of my NEW credit card. 

I contacted XXXX asked how they received the card number and I think they said it was given to them. I then contacted XXXX XXXX and they told that if I have a subscription the Credit card reporting companies automatically GIVE OUT the card number to those places. 

I feel I SHOULD BE THE ONLY ONE TO GIVE OUT MY NUMBER. Please STOP THIS Practice. this most likely how my card has been getting into the wrong hands. 

They also pull the credit card reports by ADDRESS and not by NAME and ADDRESS. As in My mom would get a credit report and it would have MY cards, my brothers cards my sisters card and my fathers. We would all have to say which was ours then have them remove them, At first they also used the FULL NUMBER on the credit card. NOW they always say never give out your credit card info to people you do not know. When I filed that complaint they woke up only a LITTLE they kept all the cards on the report but now they only have the last 4 digits. 

LOOK into that also to make sure they refine how the credit card report is pulled so only my moms cards are on her report. 

Look into all the credit reporting companies I do not know who handed out my info. 

I have a bigger second complaint with XXXX XXXX. I will write you on that separately. 

I did talk to a person from this site on the phone and told them what was going on they instructed me to files the complaints.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX credit reporting agency have inquiries on my report i did n't authorized. 
here are the unauthorized inquiries XXXX -XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX7 & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 01/27/2017 about Mortgage (FHA mortgage) with GREAT WESTERN BANCORP, INC. (SD).
Issue: Loan modification,collection,foreclosure

Complaint: I abandoned my mold ( XXXX, XXXX, XXXX as tested by an independent XXXX company ) house in XX/XX/XXXX. The house was sold XX/XX/XXXX. The foreclosure was final XX/XX/XXXX. The mortgage company, XXXX, is reporting that I am over 180 days late from XX/XX/XXXX to XX/XX/XXXX and had a foreclosure in XX/XX/XXXX. I have filed XXXX complaints with XXXX over the last 3 years with the last in XX/XX/XXXX. I have contacted XXXX directly. They have stated their information is correct and continue reaffirming that incorrect info to the credit agencies every time I file a dispute with the credit agencies. I have contacted XXXX directly and they will not provide me any documents showing their dates are correct. According to the court documents I have, their information is inaccurate, not factual and should be removed from my credit reports.

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 12/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Please correct the information for this mortgage in my credit 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 explanation
Consumer complaint received 04-10-2015 about Debt collection (Non-federal student loan) with URS Holding, LLC (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I got a call out of the blue from a debt collector saying I have an overdue account with the college I went to. I asked for an itemized statement from the school showing what I owe. On the receipt was over XXXX XXXX in collection and late fees.The man I spoke to from ERS said I had 30 days to pay or it would be marked on my credit. I asked if there was a way to lower the amount due because i did not know i had the over due balance and would have happily paid the amount due before the charges, he said they could settle with the school, and it 's usually 85 %. He told me my best bet was to take out a loan so I could pay them and just make payments to the bank and keep my credit safe. I told him I would try to do that, while he settles with XXXX. We agreed to aim for {$3000.00} to settle the account. He said he would get back to me by the end of the week. He then took my bank account number and routing number, thinking he needed it for verification purposes I gave it to him. Then I got a loan that week but never got a call back from him. After calling several times that week, the next Monday, and tuesday, I finally got a call from a different person at ERS. This person then told me that the payment was received but XXXX wanted an additional {$400.00}. Surprised, I asked what payment. He told me that the payment for {$3900.00} cleared the previous week. I then checked my bank account and sure enough the payment was cleared. I then said I never authorized a payment, and the other man said we would settle for much less and he never returned my calls, this new guy says " yeah I see that he did n't contact you, I 'm sorry he should n't of done what he did, he does n't work in this department anymore. '' I feel that this is very unprofessional and feel that I am being taken advantage of. The man said they still had to collect the {$400.00} but I said I was not paying anything until I spoke to someone about this, which is why I am contacting you. I think that there is fraud going on here and definitely unfair debt collecting practices. They should have never just taken the money from me. There was no communication.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Debt collection (Other debt) with Source Receivables Management LLC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: My Identity Information has previously been compromised and used to open several accounts and Inquiries without my permission. These are just some of the accounts that were opened that I do n't recognize.
Source Receivables Management/ XXXX Date Opened XXXX XXXX, 2017 {$220.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working in good faith on a short sale with Wells Fargo. They initially drug their feet causing my first buyer to walk away. They only approved the sale after my first CFPB complaint. By then it was too late. Then we submitted a new offer for a sale and again Wells Fargo delayed the process only to deny the sale using a XXXX that was XXXX XXXX XXXX for a value. I again filed a CFPB complaint. They assured me they would do a new value if I found a new buyer. I have a new buyer and again Wells Fargo is dragging their feet, asking for documents over an over again. In the mean time I have received nearly XXXX denial letters stating they could not offer assistance because of no change in my circumstances? Also, when I call, they tell me nothing has been in review since XXXX, yet then ask for more documents. Which is it? Is there an active short sale or not? Now they have a sale date scheduled and their attorney some how obtained a judgement without every notifying me of the court hearing. I believe Wells Fargo is keeping the Short Sale " inactive '' so they can dual-track.

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 10/13/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax is reporting my XXXX student loans incorrectly to the credit bureaus. In XXXX I consolidated my loans and all are current and not past due. I am currently trying to refinance my home and noticed my loans were still being reported past due, opened, and with balances. I disputed this with the XXXX major bureaus ( including Equifax ) and it was corrected and updated. On XXXX/XXXX/16 I reviewed my credit report and noticed Equifax had re-reported both of my student loans as OPENED, PAST DUE, and with large balances. I can not begin to tell you the damage this has done to my credit score as well as my debt to income. I was denied my refinance loan as a result. On top of all this, Equifax has reported my new consolidated loan for {$10000.00} on top of leaving the other loans opened with balances and past due. Now it appears I have XXXX opened loans and I should only have XXXX. I am requested the other XXXX loans be closed, with a zero balance, and removed from my credit report IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Debt collection (Medical debt) with R & B Corporation of Virginia (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have tried several times to have them send me a contract I signed with the company for the dates of service ( from both companies i owe ). According to the fair credit reporting act section 609, they must do this! They keep telling me that they can not send me this and will only send me an itemized bill : how do I even know this was me? How do I know the original creditor didnt send it to my insurance for fraud??? 

When I asked why the amount owed for XXXX XXXX XXXX was {$140.00} more than what my credit report shows or the last bill I received from the company, they couldnt tell me an exact reason why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: This relates to Complaints # XXXX which has been closed. 

Equifax took my application online to subscribe to their XXXX XXXX credit monitoring service today ( XX/XX/17 ). After entering my information, Equifax sent me a XXXX   XXXX one time passcode to enter into their system. Upon entering this Passcode, I received the following message : System Unavailable We are unable to process your request at this time. Please try again soon. 
This is the identical message I have been receiving for the past three weeks, and which caused me to submit my complaint. 
Equifax has not corrected this problem, and has not provide the credit monitoring series promised as a result of their security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (TX).
Issue: Shopping for a loan or lease

Complaint: My daughter went into several car dealerships in XXXX XXXX and trying to get loan in her name and the dealerships ran my credit without my permission. They did not get a written consent nor a verbal consent to run my credit. I had already gotten financing through my credit union but she was trying to do it on her own and they mislead her and ran my credit as well as hers.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Closing/Cancelling account

Complaint: This is XXXX of over XXXX cases that I have opened or filed with various legal organizations including the XXXX, XXXX XXXX XXXX XXXX XXXX, the XXXX XXXX Attorney, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Attorney, XXXX XXXX XXXX XXXX XXXX 'XXXX Prosecuting Attorney, XXXX XXXX 's XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Police Department, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 's Police Department, FBI, XXXX Police and the XXXX. 

Case Status Submitted to the XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX, ID XXXX On XXXX/XXXX/XXXX, received feedback from the XXXX, ID XXXX On XXXX/XXXX/XXXX reported to the XXXX On XXXX/XXXX/XXXX reported to the XXXX ; their response, posted below, was received on XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX, submitted to the Office of the Comptroller of the Currency and the Consumer Financial Protection Bureau. 

Case : 1. Fraud Case Description 1. Fraud. I am a XXXX person living in XXXX. This past XXXX, due to my inability to make payments, I contacted Capital One 's customer support team to close my account, card number XXXX XXXX XXXX XXXX. After " closing '' my account I requested email confirmation of account closure, which they refused to provide. I asked to speak with their staff 's supervisor who also refused to send me an email confirming that my account was closed. I believe that they record these conversations. 

XXXX, I contacted their customer support team again, this time via chat, pasted below and attached. They confirmed that my account had been closed. 

Today, I checked my account online and discovered that my account is not closed but suspended and that Capital One is charging me over 22 % interest. 

Last week I contacted their support team again asking for a customer service email address that I could use to contact them. They never replied to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen is the servicer on our Mortgage. We have been in our home for 20 years and they claim we owe XXXX. The loan was transferred to them around 2008 and has never been recorded in the Court. We have constantly asked for proof of how much we owe, it has never been provided. Now they are trying to foreclose on our home.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (AZ).
Issue: Managing the loan or lease

Complaint: I called Nissan Acceptance regarding my Car payment today. The representative that I spoke to was rude and cut me off several times during the conversation. I asked to speak to a supervisor and she transferred me to a general voicemail. It did not identify anyone on the voicemail. I called back and ask for a supervisor and that representative did the same thing, they transferred me to general voicemail with no one 's name or extension on it. I called back a 3rd time and explained to the representative that I need to speak to supervisor and that I keep getting transferred to a voicemail and he responded " : Maybe there not XXXX available and that why you keep getting voicemail and then placed me on hold. Finally a supervisor came on the phone. I explained to the supervisor that my payments that I am making on Nissan 's website are not being credited on the day that I authorized them. They are being credited a couple of days later. She explained to me that the payments are not back dated to the day they were authorized. I explained that I authorized my payment on XXXX and as of today XXXX/XXXX/XXXX the payment still has n't posted and I am being accessed 3 additional days of interest that I should n't. I also explained that their own website shows the payment that I authorized on the XXXX is pending. I also advised the payment I made last month was made prior to the XXXX but it was credit on the XXXX. The supervisor stated I should look at other forms of making the payment like XXXX but even then the payment has to be there by XXXX in order to receive credit the same day. I explain to the supervisor again that I understand cut off times however the system can clear determine what day I authorized the payment for and the payments should be back dated to the day in which the payment was authorized not 2 or 3 days later because I am being access additional interest for these days. She said she could summit a suggestion that Nissan fixes this issue but there nothing I can do at this time and there no guarantee Nissan will ever fix the issue. I advised the supervisor I will be filing a CFPB complaint because Nissan payment posting process of not posting payments when they are authorized is resulting in me having to pay more interest on my loan because they are posting the payment days after I have authorize the payments and not back dating to the effective date in which I authorized the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Debt collection (Medical) with Medical Data Systems, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from MEDICAL DATA SYSTEMS INC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against MEDICAL DATA SYSTEMS INC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. 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 02/18/2016 about Debt collection (Medical) with NCSPLUS INCORPORATED (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: denied credit pulled report and found this collection, i had no prior knowledge and was not given a chance to dispute.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello. Someone is using my social security number and applying for credit in my name. I found this out because I received an alert from my credit monitoring agency showing that credit has been applied for in my name. The company is called XXXX and they are a debt collection company for a mattress company, XXXX. I have not applied for credit through this company. This company appears to be out of XXXX and/or XXXX and I live in XXXX. Furthermore, I have a mattress, I would never rent to own a mattress and I am a person with an outstanding payment history. I have reached out to XXXX XXXX at XXXX XXXX XXXX and she will not help me. I told her that I can send her whatever she needs to verify my identity and that the person who applied for credit is using the following address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX as it too is listed on my credit report and that I have never lived in that state. However, she still will not remove the item. Can you please help me?

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 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. I filed a police report with the XXXX XXXX Police Department on XXXX/XXXX/XXXX regarding being a victim of identity theft and the fraudulent and unauthorized XXXX XXXX accounts and hard inquiries listed on my XXXX XXXX, Equifax and XXXX  credit Report. The police report case number is : XXXX, the following account or collection accounts do n't belong to me : XXXX XXXX XXXX XXXX, XXXX  XXXX, {$76.00}, XXXX XXXX for {$1400.00} and XXXX XXXX XXXX for {$26.00} and {$74.00}, the following hard inquiries are fraudulent and unauthorized : XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX 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 been receiving harassing telephone calls and death threats from representatives from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX for a debt that 's fraudulent and do n't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am trying to get a mortgage for a house and the lender went to pull my credit. XXXX and XXXX both came back with good scores as a result of the XXXX credit cards I have ( XXXX and XXXX ). However, Equifax would not give me a report saying I have no file. I spent three weeks and many hours on the phone with them to resolve this issue. They tell me that the only way for it to be fixed is for me to update my file by having one of my credit cards report to them. Upon checking with both cards, they both do in fact report to Equifax ever month and even sent an off cycle report. According to Equifax none of these reports have been received and they are unwilling to fix whatever it is that is causing them to lose them or not get them entered into their system. I need them to find these reports that are being sent to them and update my credit report. Any help is much apprecitated.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Consumer Loan (Installment loan) with Law Office of Michael J. Scott, PC (PA).
Issue: Taking out the loan or lease

Complaint: I keep getting paperwork for a debt I have no idea about i never took out a loan in the amount of {$3700.00} i have no knowledge of this amount it is not mine. I could never get a loan and want to know what this is for. They keep sending me these notices I have no idea about show me what this is for and what amount this if what i applied for.

Company response to consumer: Closed with explanation