milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/13/2018 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: XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX FL XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX TransUnion XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX To whom it may concern : Please accept this letter as a written request to dispute the following account information of items appearing on my credit report. To prevent any confusion, i have listed the items and the account numbers below. 
Account # 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX I will also attach photos of Accounts and inquiries that are fraudulent. Remove them immediately. Please look at the attached photos. 
Explanation. I am requesting that the following account be removed immediately from my credit report. Im seeking further legal advise in addition to working with police investigators to locate the individual or individuals who is responsible for fraudulently establishing this account without my permission or authorization. Ive tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If i am unsuccessful with this attempt i will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendant. It is my understanding that per The Fair Credit Reporting Act this requesting must be given attention and completed in less than 120 hrs of your receipt, thank you for your prompt attention to this matter. This isnt the first time Ive contacted you about this situation and if the accounts isnt removed by the time frame I demanded I will take legal actions immediately after the response letter. 

Sincerely XXXX 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 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In applying for a new home loan, it was brought to my attention that my credit report contains a " serious delinquency '' apparent on both  XXXX  and  XXXX . I was able to research a bit more using   XXXX      XXXX   and found that I have two missed payments ( 90 days and 120 days ) late on a Federal Direct Plus  XXXX  Loan with a date on  XXXX / XXXX / XXXX . The late payments occurred  XXXX  and  XXXX   XXXX , a time that I was still a full-time student. I have been in touch  with Nelnet, Dept of Education, an d NSLDS and no one has any information on who serviced the loan at the time of the reported delinquency. Nelnet reports beginning servicing my loan in  XXXX   XXXX  and has no prior information. NSLDS only reports Nelnet as a servicer. The delinquency is in error as I was a full-time student as maintained my deferment throughout that time. I need help identifying my loan servicer and removing this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Debt collection (Credit card) with Client Services, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: a debt collector that is not licensed in my state is attempting to collect a debt they do not own I have asked via USPS certified to provide me proof that they in fact are the creditor and provide proof that I own the debt as well as proof they can collect in my state they have failed to provide me with that information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: my macys account number ending in XXXX, does not have any delinquencies, but bureaus are reporting lates on all the credit reporting, i have a prove from the creditor for which they have agreed to the error, please have all the bureaus change their reporting XXXX to current with no late payments

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 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I am unable to get my credit report from any of the three companies. I can not therefore place a fraud alert on my credit file, and I have reason to believe my identity has been stolen. ;

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (MO).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX, I received my annual PMI disclosure notice from my mortgagor, XXXX XXXX, along with my mortgage interest statement. The disclosure properly contained a notice under the Homeowners Protection Act of XX/XX/XXXX, that PMI should be cancelled on my account on or after either of the following : ( 1 ) the date the principal balance of your loan is first scheduled to reach 80 % regardless of the current balance or ( 2 ) the date the principal balance of the loan actually reaches 80 %. When I called XXXX tonight to acquire about ( 1 ), I was given false and misleading information. I told the customer rep that under the terms of my original loan agreement, that the scheduled date should have occurred 7 years after I first signed my mortgage in XX/XX/XXXX. She first said that they can't give me a date when the loan was scheduled to reach 80 %. She told me that I just have to wait until it actually reaches 80 %. When I told her that her statement contradicted by the notice I received from XXXX and also was in violation of the law, she then actually pulled up the actual notice that was given to me so that she could see that the statement she provided over the phone was in error. She then said that because I had modified my loan, then they can't give me a date. I told her that the loan modification doesn't eliminate XXXX ' requirement to follow the law and abide by and provide an amortization schedule of when the loan is scheduled to reach 80 % of the balance. The entire time the representative was talking to me, she was also getting guidance from a supervisor. This tells me that both your regular and management employees are poorly trained and not knowledgeable about important laws impacting your business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Payoff process

Complaint: On XXXX XXXX, XXXX, I made arrangements with the Capital One # XXXX to settle my outstanding debt in exchange for my payment the company agreed to remove the account and all references from their records and the XXXX credit bureaus ( XXXX, XXXX and XXXX ). As agreed I sent the checks and a letter to support that the payments were a part of our agreements. After 60 days I noticed that all three of my credit reports were not updated to reflect the agreements and the items are still being reported as delinquent accounts. On XXXX XXXX, XXXX, I mailed a letter to the creditor to request that they uphold our agreement and I sent a copy of the agreement letters, proof of delivery, bank check payment verification for all of the accounts listed. As XXXX XXXX, XXXX the creditor has not removed the account from my credit reports, they have not responded to any of the proof that I sent that the accounts were paid in full and per the written contracts the debt is still being illegally reported and they accepted the terms of our agreement by cashing the checks. Capital One withdrew the money as an ACH from my personal bank account although I sent them a check via US Postal mail and they received a physical check. My credit bureau disputes are being ignored and my consumer rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Debt collection (Medical) with Receivable Solutions Specialist, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was contacted by a debt collector XXXX for medical services. I moved out of state and did not receive bills for the medical treatment. I was unaware I owed this money. Now I 've been sent to collections for {$50.00}. Is there any way I can get this paid and removed from my credit report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (KS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i do not have  any dates except for 2017, and they say it was issued in 2017, and I do have any credit cards. I only have a de bit card by   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-04-2015 about Consumer Loan (Installment loan) with Opportunity Financial, LLC (MO).
Issue: Shopping for a loan or lease

Complaint: Financial phishing!!! Was getting XXXX hang-up calls a day from XXXX, for several weeks, finally did a dial back and it was this company Opportunity Loans. Told them I was on the No Call List and wanted no further calls. Was told they were calling about my loan application and would need last XXXX of my SSN to pull ; advised I did n't have an application so my SSN would do them no good. Advised they could use my phone number to remove from their call list and any further representation that I had a loan application was fraudulent. Since that XXXX conversation I have received XXXX more hang up calls. I also received XXXX messages left from the same company on a toll free # XXXX, ignored the XXXX thinking it in error, the XXXX came in on XXXX, my conversation with the rep XXXX went much the same as my original conversation, with them insisting they needed SSN info to stop calls ; thus far I have not received further calls from this number- yet. I believe this particularly egregious phishing may have been triggered by my recent HARP process with my bank as I 've gotten a number of mail offers since then, but these folks just wo n't stop even after I told them I was a XXXX ( in credit & collections, no less ) and I worry that given the list the calls are apparently are being generated from they may take XXXX of someone who is at their most vernarable.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 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: Public record information inaccurate

Complaint: I have  XXXX  liens showing on my report. I contacted the city of  XXXX   XXXX  and they stated that it was not mine and that another person 's file was mixed up.  XXXX  other credit reporting agencies have already deleted these  XXXX  entries but Experian still shows then and addresses and names I have never gone by or lived at. I file disputes and nothing has changed. I logged in and went to the online dispute page and was able to begin but then was kicked out of the site for inactivity? I was actively filling out disputes. I tried to reenter and was denied access. This happens repeatedly making resolution of my issues impossible and doing me irreparable harm credit wise. These inaccuracies were the reasons for being denied credit.   I 'm tired of being the consumer denied access to my own 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 11/20/2015 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: I have not reached a resolution with US Bank. I have not been informed as to why US Bank allowed a merchant to debit my account for a return check fee. The merchant has laws it must abide by to collect its return check fees. Thus, the method used was not lawful and caused my account to become overdrawn. US Bank is not legally allowed to charge overdraft fees for electronic debits which US Bank charged me. The merchant never contacted me by letter to initiate payment of the fees, nor did US Bank follow its banking laws. In addition, US Bank charged me overdraft fees for items paid on XXXX/XXXX/2014. The items in which US Bank referred to in its letter dated XXXX/XXXX/2014 as unpaid were paid, yet US Bank charged me insufficient fund fees for each item paid. To my recollection the items debited my account on XXXX/XXXX/2015 and was paid on XXXX/XXXX/2014 leaving a balance of {$29.00}. Shortly thereafter, US Bank applied NSF fees to my account. I had paid the items and was still charged NSF fees which is not US Bank informed me of in a conversation regarding returned items. US Bank banking guidelines are not specific because it should state a specific time a customer has to pay NSF fees ( such as : XXXX hours, on the date of transaction, etc. ). Nonetheless, US Bank has been allowed to provide its customers with information not written under the banking laws guidelines. I am being XXXX thing or another and left to see what happens if I follow the information of its customer service online and phone representatives. This has cost me and I would like to have my money returned to me XXXX. I do not have any of my bank statements in question ; therefore, since US Bank has not a been able to come to a resolution that I agree with, I would like a copy of all bank statements from moths that my account had become overdrawn.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-07-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: In XX/XX/XXXX I noticed 2 fraudulent inquiries on my credit report from XXXX and XXXX. I sent a certified letter to Equifax to have them removed. Equifax received that letter on XX/XX/XXXX, see attached the confirmation from Post office. I was told that they could not remove the inquiry and I should submit a dispute online. I disputed as they instructed me but still, the inquiries were not removed ( the 30 days ' deadline passed but I did n't receive any confirmation from Equifax. The dispute XXXX was submitted on XX/XX/XXXX. It shows PENDING XX/XX/XXXX ( Estimated ) ). 
I contacted XXXX and they confirmed that the inquiry was fraudulent and told me that they informed Equifax to remove it. Equifax still refuses to remove those fraudulent inquiries even knowing that XXXX has informed them regarding this matter. 
On XX/XX/XXXX I pulled my report and noticed another surprise. My good standing account from XXXX opened XX/XX/XXXX limit for XXXX $ ( I am authorized user ) disappeared from my credit report. I contacted Equifax customer service and the customer service representative lied to me saying this account never reported on Equifax which actually did till XXXX. I contacted the another representative and was told to contact the creditor to ask them report one more time. 
I did what I was instructed and creditor told me that they were still reporting and there were no issues or changes and everything was fine with XXXX and XXXX and the error was related only to Equifax. The same day I noticed that I was not able to access my Equifax account and I called Equifax one more time. I spoke with a supervisor and he suggested me that it could be related to my credit file split issue and I should contact fraud department. 
Today I called Equifax and found out that they refused to help me with restoring my account and investigating what happened to my report and my disappeared account from XXXX, the customer service representative also informed me that there were some issues accessing to my online credit report that was why I was not able to access myself. 
Then I contacted the Equifax Consumer affairs officer XXXX. She told me that she did n't understand what did mean my Equifax credit report split and there were no accounts reported from XXXX on my report. I told her that I have a confirmation number and actual reports from XX/XX/XXXX, and from XXXX XX/XX/XXXX showing the account on my report. She was surprised and asked me for the confirmation number which I provided and then she just refused to investigate and help me. 
I am attaching my ID, SSN and current bill, my credit report from XXXX dated XX/XX/XXXX, confirmation from USPS, a summary of my disputes with Equifax, my Equifax credit file dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Application, originator, mortgage broker

Complaint: I applied for an independent foreclosure review and the Indymac then transferred to XXXX XXXX XXXX now serviced by Ocwen sent correspondence that I was not in foreclosure and that the mistake was due to a misplaced payment yet I have fees on my account amounting to approx XXXX. I have sent letters in XXXX XXXX to all XXXX mortgage companies above and have not received a response. I also requested a copy of my original loan application, HUD -1 as well as copies of any and all assignments of my deed of trust filed in Maryland land records. I have only received a letter from Indymac stating that they have received my request but I have not received any documents or copies nor resolution to my foreclosure fees.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Bank of America, Your company has been falsely reportin g   XXXX    acco unts that are due to identity theft. A mortgage loan, home line of equity, and a personal credit card through your bank. I had started to dispute these items once i saw them on my credit report after obtaining credit after turning  XXXX  years old. As of   XX/XX/17 ,  Bank of America, has resolved my disputes against these claims of identity theft and has cleared them off my   XXXX   and   XXXX   report. These accounts are under a different name, with my  SSN,  opened years before I had turned  XXXX . BOA seems to have noticed the inaccuracies since they were deleted off  XXXX  CRA 's, but  XXXX  is still reporting. I disputed  the Line of Equity a nd Mortgage that remain on my  XXXX  credit file on   X/XX/17     only to be contacted by  BOA saying the accounts are accurate. When I call BOA the fraud line representative advises there are no accounts anymore with my SSN in the system. Which is why he advise I dispute, and the accounts should come off since they are not in the BOA system anymore. However, after I disputed again they 're verified somehow and being reported still as fradulent and whenever I dispute the claim comes back as " remains '' on report. I have sent in my police report, SSN, CA drivers license, and proof of identity. It seems BOA acknowledges that these accounts are not mine but will not remove them from reporting to  XXXX  only.  XXXX  advised me they have not received any updated reporting status to delete these accounts, and BOA is still reporting as OPEN.

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 12-04-2017 about Debt collection (Credit card debt) with American Recovery Service Incorporated (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The following statement consists of the information on the matter of the XXXX XXXX  account that we have gathered so far. 

After the statement there will be a few items we would like you to address. 

The XXXX XXXX statements that were emailed to us lists our address as a p.o. box address in XXXX XXXX S.D. However, we have never lived or even visited XXXX XXXX S.D. When we looked further into that p.o. box online we discovered an additional p.o. box in XXXX V.A. we were also unaware of. When we researched the new p.o. box we discovered an unknown owner that shared the p.o. box in XXXX and owned another p.o. box that shared a close proximity to the XXXX XXXX p.o. box. 

We have never received any statements prior to those you sent, upon request, thus we had no prior knowledge of the account until your company called. 

According to XXXX XXXX, payments were made from XXXX, XXXX through XXXX, XXXX, with payments ending on XXXX, which corresponds with the information you provided. However, our bank has no record of either themselves or us, the account holders, stopping the automatic payments. 

Additionally XXXX XXXX shows payments being made on XXXX and XXXX of XXXX but there is no record of payment for those two months in our bank records. 

Finally, XXXX XXXX states that the payments should have been XXXX XXXX dollars but the XXXX XXXX statements you emailed to us only show XXXX XXXX dollars as payment due. 

In conclusion we have several requests for you to look into. And they are as follows. 

1 ) We request a list of all purchases made since the opening of the account in XXXX till the last purchase made in XXXX of XXXX. 

2 ) Find out why the account was closed and who authorized the closure. 

3 ) What is the location where the account was activated in 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 10-04-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TX).
Issue: Managing the loan or lease

Complaint: I have been trying to defer payments from being on XXXX. I finally received the documents to do the deferral, but they are still charging me late fees and have reported missed/late payments to the credit bureaus despite being in the process of deferral. It took 2 months to defer the payments on their end, it should never have been reported. The customer service team was rarely helpful and refused to let me speak to supervisors about my account.

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