milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Razor Capital, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter stating I owe consumers almost XXXX for a light bill I never got or received in my name. It was over 10 years ago and at that time I was a child and really need to resolve this issue so I can prepare for my new living situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/2015 on EXPERIAN CREDIT REPORT. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-12-2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received my credit report XXXX XXXX, 2015. Prior to me receiving my credit report I was told that my information needed to be updated on my report. While doing that everything seemed okay i was asked if i wanted a report and I said yes. When I received my report there were XXXX collection companies from XXXX different medical companies stating unpaid bills. XXXX of the bills are {$90.00} and the other XXXX are {$35.00} and {$36.00}. All of the bills are coming from cities that I do not live in and from medical centers that I have never been to let alone heard of. I would like for these collection bills to be taken off from credit report because they are not mine and are currently holding me back from doing many things. I am not sure if while updating information something was put in incorrectly and that is why these bills are on my report I just would like them taken off. They have created a negative effect on my credit report and credit score and I would like them removed because they do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Transaction issue

Complaint: I made a purchase on XXXX XXXX on XXXX and the total payment {$90.00} consists 1 ) {$82.00} from citibank MCARD XXXX, 2 ) XXXX XXXX {$7.00}. This is a purchase but the transaction was categorized as " Cash Advance '' and I was charged {$10.00} cash advance fee and {$1.00} interest. 
I contacted Citibank may times and Citibank said XXXX sent wrong transaction category. I contacted XXXX many times and XXXX said they sent correct transaction category. They asked me to talk to the other party but do not take action to correct the 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 monetary relief
Consumer complaint received 04/21/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold from my long-time servicer, XXXX XXXX XXXX, to PNC Mortgage. I received my first notification on XXXX XXXX, 2016 that as of XXXX XXXX, 2016, they would be servicing my mortgage. I was unable to pay on XXXX XXXX, 2016 because none of the accounts were set up. Finally, on XXXX XXXX, 2016 I was able to make my mortgage payment. On XXXX XXXX, 2016, I made a {$350.00} payment to principal which was never credited. I called on XXXX XXXX, 2016 and I was told it would be corrected. I just received a letter that the {$350.00} was applied to the XX/XX/XXXX mortgage and I owed an additional {$170.00}. My friend who is an accountant suggested I pay online to avoid this. I went to the PNC website and they charge for paying online. In my 18 years of making mortgage payments, I have never had anything like this happen. I can see that I am being set up to go into default! I can not believe what PNC is doing is legal.

Company response to consumer: Closed
Consumer complaint received 09/14/2015 about Mortgage (Conventional fixed mortgage) with LENDER LIVE (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX 2014 LenderLive purchased Loan from Prime Lending, at that time I made XX/XX/XXXX Payment to XXXX. After few months I went to re fianc and found out that Lender Live was saying that I was Late, after doing our investigation we realized that XXXX never forward payment to LenderLive. They agreed and told me they would fix it, it has been 6 months and nothing except phone calls that I am always 1 month late, I am going to attach my payments and XXXX payment. I went to re fi and found out that my credit score of XXXX is now XXXX because of Lender Live, this is unfair and I ca n't event get new loan cause of them. I have never missed a payment and I am being harassed by them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: On XX/XX/17 I was in a terrible car accident after being rear ended by another vehicle. My loan company was with XXXX XXXX XXXX XXXX The person that hit my car from behind insurance company ( XXXX  ) seemed my car totaled, I also had GAP insurance. I had the car towed to a mechanic and XXXX XXXX corresponded with XXXX XXXX, I paid for the GAP insurance through XXXX XXXX as well. After the car was totaled I never saw the vehicle again. XXXX XXXX was Paid by XXXX XXXX, XXXX XXXX had all of my GAP information. This car is being reported on All three credit reports as a repossessed car. I have appealed this account through Transunion, XXXX and XXXX  and they arent even contacting XXXX XXXX XXXX XXXX because I receive updates like two days later saying investigations complete. Please help. I want XXXX XXXX XXXX XXXX reported on my credit as paid in full because two different insurance companies paid them.

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 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Account NameXXXX CARD Account XXXX Account TypeCredit Card Date Opened XX/XX/2009 I have disputed this account via Experian online dispute center and I feel as if the matter was not investigated correctly. I pulled a copy of my credit report on-line and found that they are reporting the following delinquent account that past the 7 year reporting time as allowed under the Fair Credit Reporting Act.

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 09/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Cascade Capital, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I disputed this debt on XXXX/XXXX/15 and received a response from the company apologizing for the inconvenience and that the debt would be removed from all om credit reports. I may be facing disciplinary action or termination because this debt still remains on my credit reports. Therefore, the company failed to honor their resolution, as stated in the response to my complaint. I am again asking for this debt to be removed from all om credit files, as it is not my debt. My final complaint response that was filed with your office and was not disputed, by me, was assigned number XXXX. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NJ).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Best Buy Credit Card Purchased an item XX/XX/15 for {$780.00}. On the purchase screen I was asked if If would like " 5 % rewards back '' or " 18 months no interest ''. I chose " 18 months no interest ''. I received a bill this month with {$410.00} in DEFERRED interest charges. The screen never said DEFERRED. It said " NO ''. Biggest scam I have ever seen in my life. They purposely worded it to misleading. They are running a SCAM.

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 01/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX has reported on two occasions within the last two months a collection account to all credit bureaus in my name in error. This reporting problem /error was cleared up in XX/XX/XXXX and was deleted by Stellar but was again reported as a collection account XX/XX/XXXX. This has caused my credit score to dropped, undue stress, countless hours of time spent on trying to get this resolved. Additionally, I was not notified that a collection item was reported. Only because I pay credit bureaus to monitor my account that I was alerted of the collection account. This is not fair to me and I am hopeful that XXXX procedures are reviewed so consumers like me are n't subject to this unfair, illegal and embarrassing practice. this has to stop -- -so damaging.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-09-2015 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I am trying to stop my foreclosure date XXXX XXXX 2015 because i think because i have file a previous complain they got mad and issue me with forclosure notice. they told me today that my circumstances having being change since i have apply and that is not true i started i have rented out XXXX room which is now bringing in XXXX. XXXX extra dollar per week.please help me to stop foreclosure so i can resummit my application.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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: On XX/XX/XXXX I filed a complaint against Experian in regards to them reporting a public record in my consumer file. They responded as they provided me with the data furnisher of the information which was XXXX XXXX. I had contacted XXXX XXXX in regards to this matter to find out where they received this information and why it was being reported to Experian. The customer service agent, XXXX, told me they did not provide any information to Experian as my information is currently suppressed due to identity theft a few years ago. I had contacted Experian by phone on XX/XX/XXXX and again was informed that Experian verified this record with XXXX XXXX on XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX. I had then called XXXX XXXX back and spoke with a customer service supervisor, XXXX, who again assured me they did not verify this public record on those dates to Experian and reassured me that any information they may have on me is suppressed because of the police affadavie I provided them a few years ago. I called Experian back and was told this time they can not answer any questions for me that my file was being handled by their legal department and I would have to speak to XXXX XXXX. I am going to file a complaint with the XXXX XXXX XXXX as well.

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 03/20/2016 about Debt collection (I do not know) with Penn Credit Corporation (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Repeated phones calls from XXXX ( Penn Credit, according to internet search ) about unknown person. Nobody at our number ( XXXX ) has any debt and we are on the Do Not Call List. The robo-call leaves a message to call XXXX about XXXX (? ) XXXX (? ) a name we have no knowledge of. The company calls late at night, early in the morning and on weekends.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was trying get a free annualcredit repor from equifax, and it dennied my request because when it got to the security question portion, it indicated a mortgage loan which I definately never had.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I believe that this alleged debt us fraudulent, because according to the date in question I was insured through XXXX have been employed at XXXX for Aprox. 5 years. So as XXXX of these facts there is no way that I owe any hospital.

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 05-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I paid my Tax Lien that was filed by the state of California and the lien has been released for several years now. I contacted the state office and asked them how to remove the lien of my credit but they keep referring me to the XXXX credit bureaus. I ha e filed a disput with all XXXX credit reporting agencies several time but they will not remove the released lien. The credit agencies keep telling I have to contact the state. I feel like I 'm going in circles and can not find a solution. 

Please helpThank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Debt collection (Payday loan debt) with Midwest Recovery Systems (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was notified by a credit monitoring service that a new collection was placed on my credit report on XXXX/2017 by Midwest Recovery Systems. I have never received information regarding the account or the pay day loan Midwest Recovery Systems are attempting to collect. Midwest Recovery Systems failed to allow time to dispute the debt prior to reporting to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was recently made aware of a derogatory account on my credit report from a XX/XX/XXXX bill with XXXX XXXX owed by my ex-wife. I sent XXXX XXXX supporting documentation that I had not lived at the service address since XX/XX/XXXX and that I had never received a bill for the amount in question. I also filed disputes with both XXXX and Transunion to no avail. I contacted XXXX directly and did pay the amount due. XXXX refused to remove the item from my credit report. My unblemished credit report went down by XXXX points due to a debt that I was not aware of.

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 03/14/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax did not verify the accounts I disputed on XX/XX/2017. I requested a copy of the verification for the accounts in dispute however I did not receive any.

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

Complaint: Equifax has failed to protect my most personal information from being hacked. I feel both angry and helpless that my name, SSN, birthdate, etc., is now probably in an Excel file for sale on the internet.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (CA).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: Netspend card send one prepaid card {$1000.00} active but dont have money, n now have inters

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 EQUIFAX, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX, XXXX I became aware of a data breach of personal and financial credit reporting information held by the Equifax credit reporting agency. Equifax was negligent in the handling of information of potentially millions of account holders, including myself. I verified that my data was breached using the reporting tool located at the following website : https : XXXX As a potential victim of identity theft and fraud due to negligence on the part of Equifax I want immediate resolution of this issue, including costs associated with freezing my credit for my own protection. 

I 'll also be filing a police report, as well as IRS Form XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: my Dad passed away and he had a written will and had a notory to make me general power of attorney and also a quick dead was made out and freedom morgage XXXX XXXX XXXX XXXX XXXX XXXX PHONE # XXXX was not going to honner the will so now they are trying to take the house away from me and trying to sell it with them knowing that i have a court date on the XX/XX/2016 they are trying to steel it from 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 explanation
Consumer complaint received 09/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My loan was suppose to be fixed rate. I consolidated my loans with XXXX XXXX which sold to XXXX. its been XXXX since then them changing my payment plans, when the loan is finally paid off. Originally my paperwork states XXXX. Last time tho last year they sent out indefinite will increase for as long as they gather interest rate. The variable changes greatly as I pad XXXX a month roughly and only XXXX goes to principal and its been that way since it was transferred but was bad even before and I have been paying it it since XXXX. XXXX  years almost XXXX and its only gone down XXXX dollars, it was XXXX k something XXXX roughly XXXX and now its XXXX. I have another school loan that was predatory from XXXX that I finally had enough and am paying back at XXXX a month which will be completed in XXXX. I cant afford much more with this company and they wont work with me and play games. 

I am a normal hard working person who has been been late or missed a payment. This is so predatory. almost XXXX years of XXXX year original loan I took out and its only gone down XXXX? on top of that they went from XXXX to now .... XXXX???????? How is this possible I never signed anything stating they can do that nor was I told about it when I was XXXX living with family and desperately trying to afford college. In which case my degree from XXXX was obsolete ( print design ) by the time I graduated. So Im stuck here. HELP

Company response to consumer: Closed with explanation