milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: I had applied for a mortgage and found out that XXXX XXXX XXXX was reporting a collection account for a XXXX XXXX credit card debt. I have NEVER had an account with XXXX XXXX ever. I have disputed this account with all 3 credit bureaus over 4 times now as well as with XXXX XXXX. I have sent certified letters asking for proof of this alleged debt and all they have sent me was a couple of XXXX XXXX statements not showing anything that was actually purchased. The balances on the statements they sent me do NOT match what they are reporting to the credit bureaus either. I am filing this complaint against XXXX, Equifax, XXXX and XXXX XXXX. This is my last effort to resolve this erroneous account before i send this to my consumer protection attorney to sue them for FCRA, FCBA, FACTA and FDCPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Customer service / Customer relations

Complaint: Macys American express credit card through Citi Bank has personally disclosed my information to un authorized callers. This company has mistreated me & my information in several ways. Citi bank has participated in Illegal business practices towards me personally.

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 09-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We recently we received our discharge of bankruptcy in XXXX 2016. Shortly after receiving the discharge, we received notification from Bank of America that they will be increasing our mortgage payment from {$1700.00} to {$3200.00}. We contacted BOA to either refinance or obtain a loan modification. We were told since we just completed a bankruptcy they could not offer us an option to refinance our home for another 2 years, so we opted for the loan modification. After completing their process, they submitted to us their version of a loan modification. They sent us a congratulations letter stating we were approved for a monthly amount of {$3200.00}. We asked for them to re-evaluate their figures. We can understand they need to accommodate their investors by receiving both principle and interest. Since we know this is an investor situation because BOA does n't even hold the Deed of Trust on our property and neither does their subsidiaries. At some point they purchased our loan, because it was a predatory loan.

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 04-01-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TX).
Issue: Managing the loan or lease

Complaint: ALLY FINANCIAL continues to call my husband and his employer after being told his work hours XXXX and that his employer does n't allow calls to the office. We XXXX have requested my cell number to be placed as the first form of contact because I work in a office and have a little more freedom to answer phone calls, yet they rarely call me. We have requested not to be contacted on Sunday 's as we attend Church and family gatherings, yet they will call multiple times a day. When you set a promise to pay they still call EVERYDAY until the payment is made, and even before verifying the payment was made they still call afterwards. The harassment has been expressed to manager 's there more than one time and they still continue to call. I now have to put this all in writing so that I 've made all possible attempts to make it clear when are the best times, and who to call.

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 11/20/2016 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am disputing XXXX reporting negatively on my Experian credit report. I asked Experian to investigate and they replied that they verified the accuracy of XXXX claim. Experian states that if I have additional relevant information that was not present when previously disputed, they would re-investigate. I now have additional relevant information ( attached ). 
If XXXX is claiming I have a debt, they have not done so clearly, and I have no idea from when the alleged debt originates. I have attached XXXX letters sent to me from XXXX different companies regarding the alleged debt XXXX. While XXXX may have purchased a debt in 2011, I have yet to see where this debt came from, and Experian has yet to send me the evidence either, which they said they would. If XXXX purchased an alleged debt, their tactics of using these XXXX companies is confusing and shows their misleading approach. 
I argue that the use of their confusing debt collection tactics as shown here and Experian not sending me the evidence that shows the validity of the original debt, gives me no reason to believe that this purported debt is mine. In this dispute I show that this is yet another trick that XXXX is playing that is not allowing me, the consumer, to clearly and plainly manage my finances.

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 10/21/2015 about Bank account or service (Checking account) with Empowerment Ventures, LLC (CA).
Issue: Using a debit or ATM card

Complaint: Do to rushcard my bills are being late and im being charge late fees my card is being declined.money is taking out of my account that was not suppose to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/30/2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have asked Experian to provide me proof of PERMISSIBLE PURPOSE for the inquiries that are circled and highlighted in the attached document. Many of them say " Unspecified Reason '' therefore no permissible purpose can be acknowledged nor proven by the companies that asked for my credit. I also have a few from XXXX XXXX XXXX XXXX that says they tried to do a car loan for me. I NEVER asked XXXX XXXX of all companies to finance a car for me. XXXX is my bank and they are the ones that did the car loan for me. Many of the companies that are listed as pulling my credit I have no idea who they are and I never received any kind of credit from them. THIS IS NOT ASKING EXPERIAN TO PUT ANY KIND OF FRAUD ALERT OR FREEZE ON MY FILE. This compliant is being filed because I have asked Experian to provide permissible proof that I asked these companies to grant me credit which they never did. You can see right on their own report that the reason is Unspecified, if that is the case how can they show permissible purpose. This is simply Experians way of trying to hurt me financially and I will not stand for it. I am demanding that the Inquiries that I have listed be removed because I DID NOT give permissible purpose to those companies at that time to pull my credit. The guidelines are very specific on permissible purpose Employment, preapproved credit, investments, credit monitoring, mortgage or insurance. NONE of the ones circled meet that criteria and I am DEMANDING that Experian Remove these inquiries immediately as I have asked them by writing 3 times to do this and they ignore my request each time.

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 08/19/2015 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Caliber Home Loans offered a short-term, interest only modification and is refusing to break down the required up front cash contribution of {$2600.00}. This up front contribution is cost prohibitive for the borrower to accept the modification. Caliber is telling me they could change the contribution into a three-month trial period plan if the foreclosure sale, scheduled for XXXX XXXX, were postponed out 90 days. This is absurd. Caliber should offer an affordable trial period plan and if need be, they should postpone the sale 90 days to allow for the modification to be successful.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Trouble during payment process

Complaint: after making XXXX XXXX dollar payments since XX/XX/2005. only XXXX XXXX has gone to the principal after 13 years. That is definitely wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Student loan (Non-federal student loan) with DISCOVER BANK (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have two student loans that were purchased years ago from XXXX by Discover Student Loans. Last XXXX, after months of attempting to set up automatic EXTRA payments on my highest interest account each month without spreading the payment between the two loans, I was able to successfully do this over the phone, which the company said was the only way this type of payment setup could be done. I set it up so that in addition to my minimum payment, which drew automatically from my checking account on the first of every month, that on the second of each month, an additional {$260.00} would be drawn from my checking account to pay down principal on my loan that was nearing ( now over ) 9 %. Today, I called to increase that extra payment to {$580.00} on the second of each month, only to discover that the payments I 've been making for the last 10 months in fact were not going solely to my highest interest loan as I 'd been told they would. They have claimed that this will be corrected retroactively in the next 7 days, but that there will be no notification once the change is made, I 'll simply have to check the balance to see whether it has reduced in the high-interest loan and increase in the low-interest loan. I worry this will have an effect on my XXXX document needed for filing my taxes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, GA XXXX TransUnion , LLC XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automotive XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL 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 03-07-2017 about Debt collection (Medical) with BC SERVICES, INC. (CO).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: BC Services is attempting to collect debt on medical bills that are supposed to paid for by medicaid. Not only that but XXXX bill was duplicated even though my son was only in the hospital for one day. The other medical debts they refuse to verify how much they bought the debt for are supposed to be paid by mediciad. Their " attorney '' claims they ca n't send it to medicaid I owe the debt.They continue to threaten to sue me, garnish my wages and even seize my assets, even after explaining I am now unemployed.

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 03/28/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I have tried for 5 years to return my home to the bank. Right now the mortgage company is Seterus Loan # XXXX. I filled Bankruptcy in XXXX 2016. The mortgage company has still not take the title back. 

I have attempted Short Sale, Modification, Deed in Lieu and finally Bankruptcy. 

It has been at 3-4 years since I started the process. 

I am wanting to return the title to them and they are not taking any action to clean this mess up. 
XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (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: Credit Report with Experian / XXXX show 90 days late payments for XXXX University student loan. Information was provided by XXXX student loan servicing XXXX university student loans. The period reported as late payments was XX/XX/XXXX / XX/XX/XXXX/ XX/XX/XXXX. During this period I was pursuing my XXXX at @ University XXXX XXXX XXXX. I will graduate in XXXX 2017. XXXX has been requested from XXXX University. To avoid accumulation of interest on my student loans, I have been able making some payments despite being in deferment. This has ruined my ability to buy a house.

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 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
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: I contacted Trans Union regarding an illegal lender showing on my report. The agent did not seem to comprehend what I was trying to tell them and was not very English fluent. I received the results of the investigation around 2 weeks after I filed. The illegal account, XXXX XXXX XXXX, is still on my report as being charged off. This account should be wiped from my account all together due to the fact that in Louisiana they are unlicensed therefore have to forfeit all balance and fees regarding the loan and is deemed noncollectable. See notice - XXXX XXXX XXXX [ Please note, failure to obtain a license with this office shall nullify and/or void each consumer credit transaction or deferred presentment ( payday loan ) transaction originated after the XX/XX/XXXX effective date. These transactions shall be deemed unenforceable and uncollectible. Creditors will be required to forfeit all loans or transaction proceeds, fees, charges, and other amounts paid in association with the transaction or loan. ] I had to call and file a complaint instead of the easy online process because my account was locked out and they would not allow me to access without taking weeks of back and forth snail mail confirming my identity involving sending a picture of my ID and waiting on an affidavit from them ( This is a whole different issue I 'll take up with the BBB ).

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 12-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: On XX/XX/XXXX I had prepaid {$800.00} for a class and was not able to attend. Prior to the class starting I requested a refund and it was granted without penalties or fees.On XX/XX/XXXX I was charged {$400.00} for a room at a XXXX XXXX. I disputed the charge for one night and was given a credit for the full amount and a letter that interest would not be applied.On XX/XX/XXXX I paid a food bill for {$1400.00}. The amount that was on my statement was {$1900.00}. I disputed the charge and received a letter from Chase Card Services that the food company had added a tip of {$200.00} without my permission. Chase Card Services on XX/XX/XXXX granted me a credit for the {$200.00} and said there would be no interest of fees charged. 
Chase is sending demand letters for interest that started at {$33.00} and have now escalated to {$62.00} and climbing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is a fraudulent account in collections being reported with XXXX XXXX XXXX. I've attempted to dispute this numerous times with the 3 credit reporting bureaus and have had no luck getting the information updated or removed.

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 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: For years, Experian has been reporting a false account on my credit report causing my score to drop tremendously. Account : XXXX XXXX XXXX XXXX has been reporting since XX/XX/XXXX in the amount of {$210.00}. I've disputed this account numerous of times with no luck getting it removed. On XX/XX/XXXX, I sent a certified letter to Experian asking them to provide me with verifiable proof ( an original consumer contract with my signature on it ) that is on file. By law, under the FCRA Section 609 ( a ) ( 1 )  ( A ) it is required that the credit bureaus provide a physical verification of the original signed consumer contract and any and all accounts posted on a credit report. Otherwise, anyone paying for reporting services can easily fax, mail, or email a fraudulent account. By, law unverified accounts must be removed.

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 05-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Gatestone & Co. International Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In reviewing my credit report it has occurred to me that the debt collector called XXXX. INTERNATIONAL INC, is still trying to collect on the debt however the debt reached its statutes of limitations of the 6 year mark as of XXXX of 2014, and the debt was incurred in Arizona and according to A.R.S 12-548 " Contract in writing for debt ; six years limitations ; choice of law '' For future reference I had a legal last name change my last name use to be XXXX it is now XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 01/22/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: For years my credit report has been merged with someone who has the same name as mine. I tried several years ago to clear up this issue ; I wrote to all three credit bureaus and sent in utility bills only to be told that my utility bills were too old. I have XXXX and the process was overwhelming. My credit report is merged with another person with my name, XXXX XXXX. She has the middle initial of XXXX and I have no middle name. I was born XX/XX/XXXX and she was born, I believe XX/XX/XXXX. I need this cleared up ASAP, as I am trying to save my house. I am trying to get a hardship/forbearance and I ca n't because there is a mortgage on my credit report that is not mine and is stopping me from getting the help need. The main item is a XXXX mortgage account number # XXXX. This mortgage is not mine. There is another account that my mortgage company needs gone, a XXXX XXXX account number # XXXX. This XXXX XXXX account is not mine.

Company response to consumer: Closed with explanation