milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I XXXX XXXX I am a victim of Identity theft for quiet sometime. I got a report and I saw some unusual activities in my account. 

a. Someone tried to use a credit card online in the middle of the night about few months ago. 

b. Today I received a notification showing that someone trying to open another account at XXXX XXXX. 

c. Most of the Inquiries reflected on my credit report were not done by me. 

I found out all of the three credit bureaus were hack by hackers and therefore i believe am one of these victim of Identity Theft. 

I believe someone got access of my personal information without my consent. Please advise what you recommend to do in my situation. 

For now, I wish of you to remove any inquiries including within this month of XXXX XXXX, As soon as possible or within 30 days of this notice because I have not applied for any credit cards or store credit including this month of XXXX XXXX. 



If you have any questions, please let me know. 



Sincerely XXXX XXXX One of the people of the california --

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 01/31/2016 about Mortgage (Conventional fixed mortgage) with MB FINANCIAL, INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Dear President of MB Financial. 
Please be advised that my subject loan # was tagged with a 30-60 late for no reason on XXXX 2015. 
The XXXX check was deposit XXXX check # XXXX, ( It was 3 days before XXXX XXXX ) I have proof of each and every payment. 
I was trying to work out the details with your Customer Service Rep and I am getting no place. 

I am asking your help today.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CCS Financial Services, Inc. (NY).
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 all three credit bureaus regarding unverified debt appearing on my credit report. I sent a individual letters to each bureau asking for verification of debt regarding my credit report and score. On XX/XX/2017 I sent these letters with certified mail and the letters were received by each bureau. The letters simply stated that this debt verified and proof of documentation to be presented within 30 days. If not simply stated the following : Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

XXXX has yet to remove this debt from my credit reports which is adversly affecting my credit score and credit worthiness.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Debt collection (Auto) with The Stark Collection Agency, Inc. (WI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I OWED THE CITY OF XXXX, WI. BEFORE COLLECTION AGENCY UNDER XXXX. AFTER THIS WAS SENT TO STARK COLLECTION AGENCY IN XXXX, I AGREED TO MAKE MONTHLY PAYMENTS AS I DID NOT HAVE MUCH MONEY. WE AGREED ON A MONTHLY AMOUNT. I BELIEVE I MISSED XXXX OR XXXX PAYMENTS DURING THAT TIME, BUT I ALWAYS CALLED AND TOLD HER I HAD MONEY ISSUES AND I WOULD BE SURE TO CONTINUE THE NEXT MONTH AND SHE WAS FINE WITH THAT AND RECORDED THAT IN MY RECORDS. ABOUT 4 TO 5 MONTHS LATER THEY PULLED MY DRIVER 'S LICENSE FOR NON PAYMENT OF DEBT. I HAVE RECIEPTS FOR ALL OF MY PAYMENTS, BUT THEY REFUSE TO RELEASE MY LICENSE. NOW THE COLLECTION AGENCY TELLS ME THAT I OWE ABOUT XXXX BEFORE I SETTLE MY DEPT. I HAVE ALREADY PAID THEM XXXX. THE COLLECTION AGENCY KEEPS ON CHARGING ME WITH INTEREST, PENALTIES AND FEES, WHICH I THOUGHT WAS ILLEGAL AS IT IS NOT STATED IN MY CONTRACT. ACCORDING TO MY RECORDS, I THOUGHT I OWED XXXX BUT WHEN I CALLED TO CONFIRM MY BALANCE TO SEE IF THAT WAS CORRECT, I WAS INFORMED I STILL OWE XXXX. WHEN I INQUIRED WHY SUCH A BIG DIFFERENCE, I WAS TOLD FEES AND PENALTIES. NOW WHEN I JUST TALKED TO HER, SHE SAID IT WAS ALL INTEREST. I WAS NEVER TOLD THAT THEY WOULD KEEP CHARGING INTEREST AND FEES WHILE I WAS MAKING MONTHLY PAYMENTS. I WOULD APPRECIATE ANY HELP THAT YOU CAN OFFER IN THIS SITUATION.ANY QUESTIONS OR CONCERNS, PLEASE CONTACT ME AT XXXX XXXX XXXX. 
THANK YOU, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus Inc has been collecting the incorrect amount of escrow for years and last year I received a shortage letter for over {$3000.00}. This is UNACCEPTABLE. So on XXXX XXXX, 2016 I called Seterus regarding the procedure to remove my insurance escrow. When I called, they gave me a number to fax my request to and I sent the fax the same day. Today I called back to check on the status and was informed the fax number I used was for the wrong department. ADDITIONALLY, they informed me that I can not request to only have the insurance removed. I have to ask for the taxes to be removed as well. ANOTHER piece of information that I was not informed of before. To top it off, I asked to speak with a supervisor to expedite my request because I do not want to pay another month of escrow to this company, and the representative said that I could not speak with anyone else and it would be a 30 day turnaround time no matter what. This is unacceptable! I want my ESCROW REMOVED IMMEDIATELY so I do not have to pay any more money into an account that they do not know how to manage.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: THIS COMPANY DISCOVERED A BREACH OF PERSONAL INFORMATION ON XX/XX/XXXX AND DID NOT REPORT IT TO THE PUBLIC UNTIL XX/XX/XXXX. MEANWHILE THERE IS SOMEONE PUTTING INQUIRES ON ALL MY CREDIT REPORTS BECAUSE THEY HAVE MY INFORMATION AND THE COMPANY HAS FAILED TO INFORM ME OR ANYONE OF THAT MATTER. IT TOOK 6 WEEKS FOR MYSELF AND OTHER CONSUMERS TO FIND OUT, WHILE IN THE MEANTIME CREDIT REPORTS AND SCORES ARE BEING AFFECTED. ON TOP OF THAT IN THEIR FINDINGS 3 EXECUTIVES DECIDE TO SELL THEIR SHARE OF THE COMPANY AND PROTECT THEMSELVES AND OUR PERSONAL INFORMATION HAS BEEN COMPROMISED. I ALSO FOUND A NAME ON MY CREDIT REPORT AS A COBORROWER OF WHICH I HAVE NO KNOWLEDGE OF BY THE NAME OF XXXX XXXX. PLEASE REMOVE THIS NAME FROM MY FILE AS WELL.THESE UNAUTHORIZED INQUIRIES SHOULD BE REMOVED FROM ALL THREE OF MY CONSUMER REPORTS IMMEDIATELY - XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX OF MO ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXL ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX OF ; XXXX  ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX I ; XXXX ; XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX CA.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Credit reporting () with Experian Information Solutions Inc. (PR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Somebody used my personal information to obtain a credit card from XXXX, account numbers XXXX ; XXXX ; and 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 04/28/2015 about Student loan (Non-federal student loan) with AES/PHEAA (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: American Educational Services has breached the loan agreement ( " Agreement '' ) underlying my account. Since graduation in XXXX, this loan has switched servicers multiple times. It was initially handled by the XXXX XXXX. 
Pursuant to the Agreement, a borrower benefit of a reduction in interest rate, after XXXX on-time payments should be in place. 
In or about XXXX XXXX, AES began servicing this loan, inheriting the account from a prior servicer. In or about XXXX XXXX, I received notification of this change, and a form to initiate automatic payments from my checking account to AES. This seemed strange to me because the loan had always and has always been paid via automatic payments, and AES 's succession as servicer should not have altered my prior ACH agreement and long-time record of on-time payments. Nonetheless, I filled out the AES form and conveyed it to AES immediately upon receipt. 
Despite this conveyance, AES wrongfully stated that my XXXX XXXX payment was not made in a timely fashion. As a result, I was deemed permanently ineligible for my borrower benefit of a reduced interest rate. 
As mentioned, every payment ever made on this account has been made pursuant to automated ACH payment. If AES deemed any payment " late, '' such lateness was due solely to AES 's own negligence, breaches, or other wrongful acts. I did not learn about AES 's wrongful breach until XXXX XXXX, at which point I complained to AES and informed it of the facts of the situation. AES ignored the facts, and sent me a conclusory response denying reinstatement of the benefit without any explanation whatsoever ( response is attached ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-04-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This is the third time I have tried to get equifax to update this account.I have submitted supporting documents each time. I sent transunion the same documents my credit file was updated with no problem. I call equifax in XX/XX/XXXX the repesentive I talked to told me just because I submit supporting it 's up to the creditor not equifax to update my credit file according to the fair credit reporting act if a consumer provide supporting documents the credit file must be updated..

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Myself and ex-wife are divorced. I released my rights to the property and gave her the real property in the settlement. She had 180 days to get the property in her name. She has been working with XXXX XXXX XXXX to get this done for almost 5 years. She finally had to filed a lawsuit against XXXX XXXX XXXX to have my name removed from the loan. She was successful in getting the judgement. However, XXXX XXXX XXXX will not stop reporting the loan on my credit. I have challenged the account with XXXX on numerous occasions with all XXXX of the credit b agency but they will not remove the account from my credit reports because XXXX continues to report this account as mine. I have a copy of the ruling where XXXX agree that I am no longer obligated under the loan and that she is solely responsible for the debt hence forth. I have attached the stipulation of release to each of my challenges with the credit agency to no avail. XXXX chooses to ignore the agreement with no regard for my rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: ihave tried contact equifax due to items on my report form 4 years ago stating collections with no NAME just numbers see attached tried calling equifax on phone but was disconnecteed on  2 differen t occasions

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Robinson, Reagan and Young PLLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recieved a letter marked XXXX XXXX 2015 from Robinson, Reagan, and Young pllc.The letter states that I owe {$160.00} to XXXX.I sent a letter back certified and it was signed for by an XXXX XXXX I believe ( cant make out signature and name was not printed ) on XXXX/XXXX/15. In the letter I asked for validity of this debt, copies of bills, why they think I owe this debt, and name and license number of the agent for debt collection in the state of Florida.I recieved another letter a few days ago just saying I failed to communicate with them about this supposed debt and to avoid action taken against me to call and make arangements.they did not address any of the questions I sent in the certified letter.I believe I am being scammed by this " business '' and would like some help please.

Company response to consumer: Closed
Consumer complaint received 05-02-2016 about Debt collection (Payday loan) with Trademark Management Solutions, LLC. (DE).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: the company is called trademark, the number is XXXX they are constanly calling my job and getting smart with me and other employees. i talked to them 2 time, and told them both time i want somthing in writing in the mail and they refuse, and wont give me that until i give them my credit card number. they have given my boss information that they should not be sharing with anyone. they have cussed at other coworkers. I looked the comapny up online and cant find them, they refuse to give me their adress. they threaten me with court papers. i am in the process of trying to get ahold of the actual comapny i got the loan from to see whats going on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05/19/2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This agency is reporting an error on my credit file. I had medical coverage and met my deductible. This medical bill was paid by my insurance. I disputed this erroneous account with them on XXXX XXXX, 2015 and never received a response. I attempted to contact them again in XX/XX/XXXX and, again, received no response. After doing some research I discovered that ARS is not bonded to collect in the state of Texas. The account was actually deleted from XXXX but when I viewed my credit report recently and it has been reported on there again. Is that is even legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Advertising and marketing

Complaint: JP Morgan Chase had shown me to be pre-approved for several of their credit cards. After acting on XXXX of these pre-approvals, I was denied due to having opened too many new credit cards. This practice of pre-approving me for XXXX of their cards, and then denying me for the card when I apply is deceptive and causes my credit score to fall.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Credit card protection / Debt protection

Complaint: A credit card was mailed to an address in XXXX - I live in XXXX and was never contacted about a new card bring issues Fraud happened about XX/XX/XXXX and now totals over {$7000.00}

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 07/15/2017 about Debt collection (Other debt) with EQUIFAX, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: these are NOT my debts -- -- They are NOT collectible by me. Please DELETE from by Credit reports. case # XXXX XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Item does NOT belong to me.
case # XXXX Same as above. Noncollectable NOT my DEBT .... Delete from credit report. XXXX on EQUIFAX - CONF # XXXX  dated XXXX XXXX, 2017 PLEASE DELETE ASAP! Thank You! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have an un-authorized inquiry on my credit report with Equifax from XXXX XXXX XXXX. I did NOT give XXXX XXXX XXXX permission, thus allowing a hard inquiry to reflect on my credit file. I was not made aware, nor were there instructions letting the consumer know that they would be pulling my credit report. What I did was, I added overdraft protection to my personal banking account. No where on their website did it say that they would have to run my credit just for me putting overdraft protection on my personal account. I had no knowledge that they were pulling my credit nor did they have my permission. I am requesting that this un-authorized inquiry of XXXX XXXX XXXX be removed off of my personal credit file with Equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: First, I would to express my thanks an appreciations to Ditech Financial, LLC, CFPB, the senator 's office, the court and law offices the lawyers that have work so hard and continue to work in my interest believing in the United States ' justice system because it works and it 's one of the best justice system in the world ( I can attest because even though I 'm denied a " QWR to H.A.R.P modification request, the judges that have looked at my case have a cursor on the broken statue relating to my QWR request, but yet find prudence to bring about closure around justice denied in my case ). 
My complaint is thus : When my H.A.R.P modification decision be reach. If Ditech Financial will begin requesting the very same document/s submitted to as XXXX out of the range of what the law permits as in the XXXX XX/XX/XXXX case when XXXX ( XXXX ) represented me for a modification. This time during a recorded conversation on XX/XX/XXXX, Ditech reported that a " QCD/DD '' was the only data needed to be submitted to complete my file ( " Your file was rejected by underwriting pending the document '', the representative reported. Once received, the file is completed for underwriting result. 
This concern is a proven fact that is conspicuous in my case-file ( a fact that the bank/s and its ' entity will request for a document, and when one follow-up, the finding will be that the data was not admit receipt ). The next instruction after a document/s follow-up -- is to resubmit same multiple time despite an admitted conformation of the document/s date, time and station receipt. 
At this stage in the modification process, I 'm advice to undergrid the bank/s deceptive strategies in the banks ' written rules employ outside of the law that works. The act of an ongoing request for document/s and multiple resubmit requests to delay the time -line to process and reach an intervention within the Federal regulation parameter that works needs attention. Underwriting is the resisting department of moral laws vs rapacious/predatory knack to continue the delay schemes with an ultimate end being the very foreclosure that was to be remedy. 
Attached, please find copies of communications between XXXX, the court and my lawyer/s which are self-explanatory that is already part of the record of this rapacious skills, which include but not limited to : 1. Listing of requested Data QCD/DD dated XX/XX/XXXX 2. Email : XXXX XXXX XXXX XXXX motion granted to request modification ( Result : H.A.R.P modification to no avail ) 3. XXXX - confirmation for modification, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX  has a hard inquiry on my Equifax credit report that needs to be immediately moved. The dates ar  e  XX/XX/XXXX , XX/XX/XXXX  and  XX/XX/XXXX .       I also want to have  XXXX  's hard inquiry from    XX/XX/XXXX  removed.
Us Department of Education from  XX/XX/XXXX  needs to be removed   as well.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Vehicle loan or lease (Loan) with HYUNDAI CAPITAL AMERICA (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I was told that I was going to be a co-signer for a car loan from XXXX I es informed I was only going to be in a 6 month contract as co signer I ended up being he primary holder on top of it they later told me theirs no such thing as a 6 month co signer they call me demanding payment every month and on top of it all I got screwed by the man who I was co-signing for because the interest is more than theyactual payment if the car a the man I co sign for decided he didnt want it I went to talk to the financial department and the person whom assist us that day we went and was told he didnt work their any more

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (Medical) with AmeriCollect (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX paid the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation