milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX.XXXX SS # XXXX Transunion Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an inquiry unauthorized inquiry from XXXX which was made on XX/XX/2015. I checked my credit report, which I acquired from Transunion. I have contacted XXXX, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,

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 11/30/2017 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: Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Credit Reporting Agency : Experian Debt Amount : {$3500.00} Date of Debt :? 

I have been disputing this debt since XX/XX/XXXX with Experian. I have asked for verification that I did any business with XXXX XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX I finally called Experian, and they stated that the collection agency " XXXX XXXX XXXX '' has verified the account. 

I then called XXXX XXXX XXXX and asked them to produce something that shows this is my account. They only said that they have my name, social security and an address that I never lived. 

I then hung up with them and called XXXX XXXX XXXX XXXX XXXX XXXX ( the original creditor ) and asked them to produce a signature or document from the original date of service and she did n't have it and referred me back XXXX XXXX XXXX. 

They have not produced any item that shows this is my debt. 

I am requesting that this be removed from 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 05/26/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (VA).
Issue: Account opening, closing, or management

Complaint: Dear XXXX, I am XXXX XXXX. I opened a Citigold checking account ( XXXX ) with an offer stating I would receive XXXX XXXX XXXX XXXX ( worth approx. {$500.00} ) after meeting certain criteria ( PROMOTION CODE : XXXX ). I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX miles to be deposited into my account by the end of XXXX. During this time I was charged two monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the miles would be deposited at the end of XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from 6 months ago showing the offer. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 6 months about needing to keep that post card. Now I have {$60.00} of fees and I will not be getting {$500.00} worth of Thank You points. I 'm not alone. XXXX of people are in the same situation as me. I 've done XXXX searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for. 

Thanks 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 non-monetary relief
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On    2010   XXXX   XXXX  my Bankruptcy   was discharged, And when I go look at my status it 's still listed on my report .I tried to contacting them thru filling out a Dispute and it kept through in me out of there site, quite a few times.
It states these, Derogatory public record or collection filed. ( Not listed ) on other reports .Also time since delinquency to recent or unknown covering all bases.amount owed o  n delinquent accounts should n't be any.proportion of Balances to credit limit is too high on bank revolving accounts do n't have any on file.number of inquiry impacting the score. They gave  XXXX  's  XXXX  a  XXXX  and I have A  XXXX .  XXXX   XXXX  is very deceiving company PS. The Bankruptcy should be off record I have proof I am credit fit as proven by my 100 % pay  Back worthyness.please review Experian  and  XXXX  too thanks again

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 11/17/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call close to 8 times per day after missing XXXX payment.

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 09/13/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (HI).
Issue: Application, originator, mortgage broker

Complaint: The issue is that the second XXXX incurs a more restrictive if not inequitable requirement that the home be available to us and indefinitely not rented out whatsoever. The owner occupant requirement is to reside there for one year. Attached is the second home rider and the original security instrument ( paras XXXX and XXXX ) that the rider replaces. If this is a standard XXXX XXXX XXXX document, then request Wells Fargo provide a signed letter that allows us to rent out the home after one year of possession or propose a resolution to address our concerns. 

It is also our informed opinion that the second home rider should have been disclosed and explained before closing. To say we had a three day right to rescind is a poor substitute for untimely notifications of material fact and overall poor loan management and communications.

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 06-08-2015 about Debt collection (I do not know) with Western Portfolio Assets (WA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: " XXXX '' stated he was a process server serving a law suit and to report to " XXXX '' which is a phone number. He called me a load when i said that they cant serve papers over the phone.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 08/29/2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Complaint Details Complaint Details XXXX XXXX XXXX Yes I been trying to get XXXX XXXX XXXX XXXX XXXX to validate my debt they say I have with them ... Via 609 letter ... this letter is asking for proof of a signed contract by me they suppose to provide with my signature.. I did not give anyone my permission to give my personal information out ... XXXX XXXX XXXX XXXX just keep sending me documents that do not pertains frca regulations.. basically it looks like a made up receipt.. the issue has been going on for a couple of months.. and is hurting my credit history.. proper validation is what I need to handle this issue ...

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 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (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: Very briefly, XXXX failed to reasonably investigate two disputes w.r.t credit report errors I submitted on XXXX XXXX, 2017. 

Dispute 1 : Billing error by Bank of America, due to failure to send bank statements, which is legally defined as a billing error in 15 U.S. Code 1666 ( b )  ( 6 ).

Dispute 2 : XXXX XXXX prevented me from making a timely payment to *them* ( by temporarily blocking my checking account, which I needed to use to pay their credit card bill ). Then they reported the delinquency that they themselves caused. 

The detailed events are all articulated in the attached letter to CFPB ( " XXXX_cfpb_dispute.pdf '' ). I have also attached my original statement delivery instructions ( " bofa_paper.pdf '' ), and the original dispute to XXXX ( `` XXXX_dispute.pdf '' )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/15/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: An overseas representative at Chase Bank illegally and illegitimately flagged my account for fraud and charged off my account after I requested to speak to a supervisor. Chase now refuses to correct the issue, and has been holding my money for more than a week. Chase refuses to investigate this employee or undo this. Chase 's rogue employee has severely damaged my business, my credit, and has violated innumerable laws. The complaint originated because Chase has not been recognizing deposits or transfers from other banks in a timely manner, and has thus charged overdraft and associated fees. Additionally, Chase was requested multiple times to stop charging an administrative fee which did not even apply to my account. Since this fee was never removed or credited, all of the other overdraft fees are invalid, since once reapplied, the account was in a positive balance at all times. Additionally, at the time of the closure and charge-off, Chase was in receipt of more than {$3000.00} in direct deposits and instead of recognizing them in a timely manner as proscribed by law, they instead closed and charged of the account, and only recognized the deposits at XXXX, subsequent to them flagging, and charging off my account. This all happened in a XXXX hour period overnight.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter from Transworld Systems Inc. trying to collect {$56.00} from me from The City of XXXX XXXX Fire Department. I called Transworld and asked what the alleged debt was. The " customer service '' rep was extremely rude and could not even tell me why I owed the amount. I called the City of XXXX XXXX Fire Department and they said they were collecting on an amount that I already paid. No one will correct the situation even though I paid the original amount of {$24.00}. Now they are trying to collect an fabricated number that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WV).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have private student loans that were taken out with XXXX and later sold to Navient. They never allocated my payments correctly and I would get harassing calls that certain loans were late and charged late fees. Also sometimes they would take the payment out of my account three times in the same month and I would have to call. Unreliable times to fix this. My loan amount never decreases. It atays the same or actually keeps increasing. They would have me.pay for deferment and tell me I would get the money back after making a certain amount of payments on time. However the loan never received this money nor did my balance ever decrease. Now they are telling me I owe an ridiculous payment that I can not afford and they tell me they will not even consider helping me until I default for three months. I have always paid my student loans even while facing unemployment and I can not afford what they are asking. They say they can help when I call but do nothing. Even if I communicate with them regularly. I have cosigned I have not seen or heard from in years. I ca n't get any help they say until my cosigned refuses to help me. I do n't want to default but it 's as if they are telling me I must.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (OH).
Issue: Account opening, closing, or management

Complaint: I applied for a credit card, The representative told me, that the reason they decline me was too many inquiry 's on my XXXX which for 2015 only had XXXX, The representative told me on the phone that they only pulled XXXX inquiry, I told her that you also pulled a XXXX credit report, and she told me they did not pull XXXX credit report, only XXXX credit report, I told her i can look on experian with a confimation that i have with them, and it shows they pulled a credit report XXXX/XXXX/2015, If the representative can lie on the telephone to me, I can see why i did not get approve, Because i have great credit!!! High Limits!!! Good Income!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Student loan (Non-federal student loan) with Loan Science, LLC (CO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I had a private loan that was consolidated in XX/XX/XXXX to Loan Science from XXXX XXXX. My cosigner and fianc died XX/XX/XXXX, the company worked with me on lower payment plan for the last 8 years. I was not aware that they would suddenly decide to stop offering a lower payment plan, or that once I had to pay the full payment, which is difficult as I care for my XXXX mom and still recovering from the sudden loss of my fianc, would be XXXX % of the payment would be going to interest, and that the interest rate would cripple me for the next 25 years. Private student loans are predator, and I feel as if I have been prayed on. With the current payment, I am barely able to provide for my family.

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 10-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This is on all XXXX credit bureaus. On XXXX XXXX I traded in a XXXX for a XXXX. Some reports have that I have XXXX car loans, I have XXXX. Under each of the reports inquires they have listed XXXX XXXX XX/XX/XXXX14- XXXX XXXX XXXX XX/XX/XXXX/14- XXXX XX/XX/XXXX/14-auto XXXX XXXX XXXX XX/XX/XXXX/14XXXX XXXX XXXX XXXX/XXXX/14 Where I purchased the car XXXX XXXX/XXXX/14 Which is my loan company XXXX XXXX/XXXX/14 It is my understanding that there should only be XXXX loan inquiry for this purchase. This greatly effects my credit and my score

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Debt collection (Medical) with ARC Services (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Threatened to report on mine and my husband 's credit, very rude continued collection calls, and demanding voicemails

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Application, originator, mortgage broker

Complaint: I am applying for a mortgage refinance to a lower interest rate. I have been advised that my current mortgage company, CitiMortgage, has not updated XXXX on monthly reports on my account for over a year. I have not been required to pay mortgage insurance for over a year yet XXXX states that they have not received any report of this. The required report is a ( SURF ) Servicers Reconciliation Facility report which intern updates XXXX, XXXX ( LAR ) Loan Application Register report. Multiple contacts with my current mortgage company result with, they do not know what I am talking about, they need to research this, each time I call its a different contact person and I start all over again. They keep trying to send me a " letter of authorization request '' which is not required to update Fannie Mae. The California State Attorney Generals Office has also been advised so that possible legal action may be taken. This lack of action by my current mortgage Co. will result in the loss of the lock on my interest rate for current loan that I am applying for. Can you help resolve this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2016 about Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (AZ).
Issue: Problems when you are unable to pay

Complaint: I had a automobile repossessed in 2012. The company that held the autoloan keeps removing the account from my credit report and then a month later they add it back. This keeps changing the date the account was closed and pro-longing the removal of it from my credit report. It also negatively impacts my credit score. In some cases as much as XXXX points when they do it.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Consumer Loan (Vehicle loan) with NORTH STATE ACCEPTANCE LLC (NC).
Issue: Taking out the loan or lease

Complaint: Loans has been paid off. I have traded this vehicle with the title. This company is marking it as a charge-off and also saying paid as agree.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: SunTrust Mortgage has inaccurately calculated my escrow payments for my mortgage since my home loans was funded. They were XXXX number off when processing my tax information. This caused the wrong tax payment to be paid. 

I made multiple calls to SunTrust and was assured every thing was correct on the account until I got a letter from my tax office stating that my taxes had not been paid. SunTrust used the wrong tax information to calculate my escrow and then requested that I send a payment of over {$2500.00} to fund my escrow. 

So through out my time with SunTrust I have received multiple letters either requesting that I owe money to fund my escrow account or that I needed to pay money to fund my escrow account. 

At times I have owed over {$2500.00} and other times received a check for over {$2500.00} not XXXX but XXXX. 

I have have been hung up on, lied too, and treated like a XXXX by not only the customer service representatives but from management as well. 

Every promise made has been broken, and apparently my issue is still unresolved. 

My worst experience has been with the head of the escrow division, XXXX XXXX. She has not only lied to me throughout the process of attempting to correct my escrow balance, but she treated me with such disregard as a human being Its unbecoming of some in her position. 

Please help me ... This has cost me thousands of dollars, and SunTrust has shown ZERO empathy or willingness to make right the situation. 

We are past apologies! They need to make it right with their customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: What I said in my complaint ...        To whom it may concern, I mailed a Multiple Inquiry Removal Letter  on   XXXX   XXXX   XXXX   by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on   XXXX   XXXX   XXXX   and they completed the request on   XXXX   XXXX   XXXX  . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' 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 AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. This many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case, and is hindering building my credit as I plan to purchase a house by the   end of the yr or early  XXXX . I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries 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.

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