milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-07-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The information that my XXXX was included in my bankruptcy is incorrect. We actually reaffirmed our mortgage and have NEVER missed a payment! We are still current on it. Please correct the reporting of this information as it is hindering my ability to refinance my mortgage. This is a direct violation of the FCRA.

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 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS PAYMENTS WERE NEVER MADE ON THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Mortgage (Other type of mortgage) with CITIBANK, N.A. (MD).
Issue: Closing on a mortgage

Complaint: My Initial complaint no. is   XXXX   ( CLOSED ). This serves as a second complaint agains t CitiMortgage  regarding the lengthy time to satisfy our request for a short sale. In   XX/XX/XXXX ,  I requested hardship assistance, and my account has since been reassigned to multiple agents, and as of today  (    XX/XX/XXXX   )  CITI ha ve yet to respond. In   XX/XX/XXXX , o ur authorized third party ; provided all requested documentation t o Citi, an d our file was then submitted to the  Citi Underwriting D epartment for review, and it was noted that all documents requested were consistent with underwriting guidelines. In   XX/XX/XXXX ,  our file was again reassigned, but in     XX/XX/XXXX ,     the Short Sale department stated that additional documents were needed to proceed with the short sale. We again went through several requests for documentation, and on   XX/XX/XXXX   we were advised that the requested documents were received and our file was submitted for review by a Short Sal e Negotiator.    According to the last communication from  Citi o n   XX/XX/XXXX ,  they were to advise response to request in 15 days which I presumed business days which gave them until Monday the   XX/XX/XXXX . O ur request for resolution has been met with negative results.   Your assistance with providing us relief on this matter is greatly appreciated.

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 07-10-2017 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: Medical bills are being reported incorrectly on my credit reports. The two accounts are not mine and 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 10/23/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (NY).
Issue: Trouble during payment process

Complaint: As per my complaint, I have reasons to believe that there has been a gross misappropriation of funds that corresponds to my mortgage with Seterus Incorporate,  the loan servicer of my loan. It has come to my attention that a certain portion on my monthly payment can not be accounted for and no explanation of its escrow pay out can not be provided. 
My monthly payment of {$1300.00} has roughly been the same give and take a few dollars depending on escrow analysis, taking into account fluctuations in insurance, taxes, and PMI payments. My principal payment is {$190.00} and interest payment os {$620.00} Currently my taxes through XXXX XXXX  is {$1300.00} per year, taxes {$1000.00} per year, and PMI {$47.00} per month. My total monthly payment should be {$1000.00}. This has been going on for quite a few years and I am yet to receive an explanation or a statement which shows where my escrow payment have been going. I have reached out to Seterus and I have just been transferred from department to department, and as with every department, no one can account for this discrepancy. All these figures can be furnished at your request. I simply have not been able to get anywhere with this company. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Close to 9 years ago when I was on the income base repayment plan with  XXXX   XXXX   (  now Navient ), they talked be out of my best option and put me on forbearance. I was a civil service employee, had I stayed on the income-based repayment plan I would have been nearly done paying my debt. Now I have a massive debt that I have not even made a dent into. When i spoke to them about this years later, they just apologized and agreed that income based was my best option. I have also tried mailing forms that they have asked for to enroll in the plan, and they claim to not have received the forms.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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 XXXX XXXX XXXX FL XXXX Equifax Equifax XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Re : Social Security Number : To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX/XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX, XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 15-30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX SSN : Last 4 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Payday loan, title loan, or personal loan (Installment loan) with WLCC (IL).
Issue: Struggling to pay your loan

Complaint: Took out a loan on XXXX/XXXX/XXXX. Had a death in my family and extensive medical bills and notified them on XXXX/XXXX/XXXX that I had done research on their loans and that they are not legal in Illinois. At that time, I also advised them that I was revoking my ACH authorization and revoked my authorization to contact me via phone and revoked my authorization to contact my references. Received a phone call at both my office and cell phone number on XXXX/XXXX/XXXX. Called them back and reiterated my revocation of ACH and contact. They attempted to debit my checking account via ACH again on XXXX/XXXX/XXXX by which point, they should have been able to stop ACH withdrawls. They contacted me again via phone on XXXX/XXXX/XXXX as well as contacted my references.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/21/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX   and   XXXX   will not delete this debt off my credit report that was  discharged by bankruptcy. I have written them to tell them the accounts that they reporting have been discharged thro ugh bankruptcy court. Even though it does n't have an amount, they report them with negativity remarks.    XXXX  also keep reporting a collection from a debt collector that I have no contract with. They send me my credit card statement saying they verified it was my debt. I have n't signed a contract with a debt collector/collection. Its states in my credit report that the original debtor sold it to this collections company

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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 sent a copy of an FTC affidavit of identity theft and a police report to all  XXXX  bureaus. By law they must block the information from my credit reports. To date, Transunion complied but  XXXX  has only deleted on account not blocked the information they were required to and I can not tell on  XXXX  if it has been blocked or not.

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 08/13/2016 about Other financial service (Debt settlement) with Nationwide Biweekly Administration, Inc. (CT).
Issue: Fraud or scam

Complaint: After purchasing our second home, we were solicited by Nationwide Biweekly Administration , Inc. and offered a lifetime membership with them for a fee. They were to provide a service that paid our mortgage bi-weekly promising to payoff our 30 yr mortgage in 23.9 yrs. They also promised to conduct an annual audit of our mortgage company 's accounting for our mortgage yearly, upon our request, AFTER the anniversary date ( XX/XX/XXXX ) each year. Having XXXX homes, we agreed to sign up for both our mortgages on XXXX/XXXX/14. As the first year of service was approaching, we began getting bombarded with notices that a third party bank would no longer do business with them and through no fault of their own, they temporarily could not continue to provide services in accordance with our contracts and they could not refund any portion of the fees ( {$740.00} & XXXX ) b/c it is a lifetime membership. Attempts to contact the company were not successful. We began getting & continue to get further solicitations for another product they offer called XXXX XXXX XXXX and these advertisements compare the savings of their XXXX XXXX program, costing {$2600.00} to {$4900.00}, to their biweekly program and they state the biweekly program only takes 4.2 years ( 50 months ) off the term of the mortgage. The original solicitations in 2014 for the their biweekly program stated the program saved 6.1 yrs ( 73 months ) off the term of the mortgages. The current offers for the XXXX program starts with, " We hope to have your biweekly program reactivated soon. '' then it ends with saying they will give us credit for the fee we paid for the bi-weekly program to be put toward the fee for the XXXX program ( {$2600.00} to {$4900.00} ). This is fraud and this company is getting away with ripping off a lot of people.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I visited XXXX XXXX XXXX & got a loan through XXXX for a vehicle in XXXX. In XX/XX/XXXX I totaled the vehicle & my insurance company paid out XXXX. This is currently showing on my credit as being reported late with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 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: Have been trying to find out if I have been compromised by the Equifax breach for over one month.  Every day when I go to the website https : //www.equifaxsecurity2017.com/ I get the message that the service is " temporarily '' unavailable. Calls to Equifax connect me to an automated line which does n't give me the option to connect to them to freeze my credit, something I am considering, but I ca n't chose that option or speak to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Credit card () with SYNCHRONY FINANCIAL (MI).
Issue: Bankruptcy

Complaint: I notified Tjmaxx months ago that I had retained an attorney for the purpose of filing bankruptcy. They called at XXXX which is completely and totally illegal. I wish to file a SERIOUS complaint against them!

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (IL).
Issue: Managing the loan or lease

Complaint: I co-signed a auto loan for my cousin. After 6 months she refinanced the vehicle. I was told everything would be taken care of. She refinanced and one day I get a call saying that the car note is late. I was shocked because I thought she 'd refinanced. So the truck was repossessed and now it 's on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (Credit card debt) with Credit Card Receivables Fund Incorporated (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The credit agency still have not sent a letter to my home to update account as paid in full. The agency coded the account as a XXXX balance/ charge off on all credit bureau. The account was in fact paid in full. The agency will not report correct information on my credit report. I have screenshot proof to support my claim

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and have collection accounts and credit inquiry that is fraudulent, unauthorized and do n't belong to me. The following collection accounts and credit inquiry do n't belong to me : XXXX, XXXX/XXXX XXXX/XXXX, XXXX/XXXX/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 non-monetary relief
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: US Bank loan # XXXX receiving my monthly payment of XXXX every month for the last ten years check send auto pay from my XXXX XXXX XXXX auto pay by check.two last payment XX/XX/XXXX and XX/XX/XXXX checks was send and delivered as schedule US Bank did n't received the checks because US Bank change their address.without advising or forwarding request. When I notice the issue I did contact US Bank and corrected the address and request US Bank from now the amount will be withdrawn directly form my bank.I am requesting to remove the negative report from my record ASAP.

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 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Receivable Recovery Services, LLC (LA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This account was put on my credit report twice after it was removed. i called the credit bureaus and they aid it looked like the account number was changed and dates that it was opened was different as well. So I opened up an investigation on those accounts. and they are reporting as closed now and paid but they are not suppose to be on my report at all. Also Receivable Recovery. I have reached out to them numerous times in regards to some medical collections that is on my report. Those accounts were paid to the original creditor which was XXXX XXXX by XXXX. I 've asked for this account to be looked into and removed off my report but its like they are not going into it.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Debt collection (Credit card) with STERLING JEWELERS, INC. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I went through a credit consolidation company called XXXX XXXX XXXX and Funds was automatically taking from my bank account from this company. I was under the impression that this company will pay my debts for me however I 'm being sued from a credit card company in attempt to collect This debt. I 'm not really sure on what to do because I have already submitted with court papers.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Application, originator, mortgage broker

Complaint: While applying for a mortgage with Wells Fargo we had a home appraisal done the appraisal went through but we did not fund the loan with Wells Fargo we chose to go with a different lender one that lender contacted Wells Fargo to obtain a copy of the home appraisal they refused to give out the appraisal invoice and the XXXX report they said was never generated and at the XXXX documents were internal documents and they would not provide him without the XXXX documents the appraisal invoice and the XXXX report we are unable to use the home appraisal that we paid for Wells Fargo advise us that they would not provide that information that they did not have to share the information even though I paid for the appraisal that they were unable to give it out that it was an internal document and if I had a grievance with it I could take them to court to recover the costs they did provide a copy of the appraisal after repeated inquiries by myself and the new mortgage company and multiple attempts to send out partial information to drag their feet in attempt to lapse the time so that the appraisal would not be able to be used by the new company causing me to pay for another appraisal when asked for a copy of the invoice I was advised that they would not provide it my credit card company only shows a charge to Wells Fargo in the amount of the appraisal no other information was provided when I called and asked Wells Fargo for a copy detailing exactly what was paid for the amounts and dates for tax purposes they refused to give this information stating that it was an internal document and they would not provide it I advised him that I felt that I paid for this information it involves me directly and that I should be entitled to receive this information I was also advised by my mortgage company that they do provide the information willfully to other lenders when asking Wells Fargo about this information they stated that they choose not to participate in this and that all of their information is held private they would not provide it and they do not have to provide any of that information

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 03/27/2018 about Debt collection (Other debt) with COAST PROFESSIONAL INC (NY).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: i had complaint to the state of education about this? i dont know who is this third company COAST professional they have a XXXX XXXX XXXX XXXX XXXX LA XXXX. this company doesnt even say where its from. I have disputed this was cancel and i inform the state of educ. I have a XXXX  and there were no loan borrowed? all this was cancel and they wrote the wrong name. very unprofessional acct XXXX for XXXX. all this is wrong?? no school, no loans, this company is fraud. i spoken to XXXX. But i never borrow anymoney from them so how can they say i own them money. im not sure where this from .should be all cancel, no name, no endorse loans. I have a XXXX. this dedt company is trying to go around it because it was discharge. i never borrow any money and they have someones wrong information. i dont know if this is vocational or third party. I never took a test or sign anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (WV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am a XXXX XXXX XXXX XXXX Veteran and my Navient student loans were granted a discharge that took effect XX/XX/2016 as forgiven and paid in full. My concern is that Navient has still been reporting delinquent activity to my credit report. I contacted Navient and they claim they have not been reporting delinquent activity, but I have tried to borrow money from my personal bank ( XXXX XXXX XXXX ) and they stated that, because of the report from Navient no funds can be lended to me.

Company response to consumer: Closed with explanation