milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/16/2015 about Credit reporting () with LEXISNEXIS (MI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: In XXXX I moved back to XXXX after living in XXXX for 2 years.Because I had a company vehicle, I did n't need car insurance, so when I returned in state I again needed insurance so I got XXXX of XXXX.they told me because I had no insurance for the last few years I would need a rider on my policy.I was given no choice in the matter and XXXX chose a person in my household, they told me this was temporary until I established a history with them.every few months I would ask XXXX when could my insurance go down and the rider be removed, but all I got were blank stares and the same response that they could do this and I had no choice in the matter.I tried to change my insurance company on several occasions but they 're rates were to high.after a few years my rider XXXX AAA kept her as my rider for another year, even laughing in my face when I dared ask why she was still my rider.When they finally changed my rider they raised my rates.when I bought a newer vehicle they raised my rates.they raised my premium to {$350.00} a month, despite the fact a had no claims, no accidents, and no tickets.This is when I found out my rates were n't based on my driving record but on my credit.which was good before XXXX of XXXX drove it into the ground.you see XXXX used XXXX of XXXX XXXX to determine how good I drove in XXXX Nexus and XXXX used faulty information to price gouge on car insurance.they even chose for my new rider XXXX XXXX, my room mate even though she was ruled by a court of law to not be able to be in charge of her own finances.I had partial ownership of XXXX properties, yet XXXX said I did not.I 've since lost XXXX houses due to XXXX wrongful billing.I 've been forced to move out of that household and away from my family in order to get affordable car insurance.my friend in addition to losing his wife had to return his vehicle because I 'm no longer there to pay for it, he 's a XXXX vet and he used his vehicle to take other members of his family to there doctors appointments.AAA and Lexus Nexus in addition to screwing up my life has totally screwed up my friends life as well.I personally will never recommend them to anyone.I 'm also highly disturbed that LexusNexus is given carte blanche to do as it pleases with regards to my life without first contacting me and confirming any information they use about me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with American Payment Holdco, Inc. (CA).
Issue: Money was not available when promised

Complaint: I made a bill pay at  XXXX  in  XXXX  using "   XXXX   XXXX   XXXX   on  XXXX / XXXX / XXXX  with the NEXT DAY delivery  1st  billpay was to   XXXX   XXXX   XXXX   ending with the last  XXXX  digits  XXXX  - amount of {$1900.00}  2nd  billpay was to   XXXX   XXXX   XXXX   ending with the last  XXXX  digits  XXXX  - amount of {$1900.00} None of the payments were delivered. I paid for the next day delivery, should have be delivered by  XXXX / XXXX / XXXX  - almost {$4000.00} and my   XXXX   XXXX   XXXX   were not paid at all!!!! I have called  XXXX  on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  and they keep saying they have problems with their system and they do n't know how long it takes to have the money received by  XXXX . I consider this as very unreliable service and im requesting investigation or have the payments posted asap. My payments are due and {$4000.00} is a very large sum for  XXXX  to keep for weeks or month s. My credit score  is gon na be affected because my payments are late now.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I emailed a debt validation letter to XXXX XXXX on or about the end of XX/XX/XXXX. I received a call on XX/XX/XXXX and I spoke with XXXX XXXX she stated she was responding to my inquiry. I received a letter dated XX/XX/XXXX from XXXX XXXX and XXXX XXXX President, Chief Executive Officer. The letter stated " we have reviewed you accounts records and verified we have accurately reported your accounts history information to the major credit bureaus. Since we have reported accurate information pertaining to your accounts, we are unable to delete or modify the status as reported ''. I have received several credit reports from Equifax after disputing this account and it continues to show the same inaccurate reporting information. I continue to dispute with Equifax and they always say account verified. The letter dated XX/XX/XXXX states that the XXXX account XXXX was open XX/XX/XXXX. The open date on Equifax is reported as XX/XX/XXXX. That would not be accurate reporting if the opening is reporting XX/XX/XXXX and not XX/XX/XXXX as XXXX and XXXX XXXX stated in the letter dated XX/XX/XXXX. Your letter stated that the last payment received was on XX/XX/XXXX and Equifax show XX/XX/XXXX has a 30 day late and a 30 day late for XX/XX/XXXX. According to your letter that you have been reporting correctly. That would not be accurate reporting if Equifax show XX/XX/XXXX reported a 30 day late. That would mean no payment was received for XX/XX/XXXX according to the credit report that is currently being reported to Equifax. You stated you charged off the account in the amount of {$950.00} on XX/XX/XXXX. That charge off amount is not reported on Equifax file. That would be inaccurate information you have the status as chargeoff but no amount. You have a high credit of {$950.00} but no credit limit. That would be inaccurate reporting, how do you have a high credit with no limit. I am sure XXXX XXXX  you are going to say you are reporting correctly but Equifax credit report reports say different. I am sure that you know that all information reported to the credit bureaus by law are to be reported accurately. I can fax you the credit report I currently have from Equifax that validates this Inaccurate reporting. I want this account deleted from my Equifax, XXXX and XXXX. I have had several disputes with Equifax as recent as XXXX XXXX that information is being reported inaccurate based on the information from XXXX XXXX and Equifax credit file. I am not sure how XXXX XXXX validates accounts but this one is not being reported accurately. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. I am requesting this account be deleted from Equifax, XXXX and XXXX Inaacurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Capital One. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within XXXX XXXX XXXX XXXX business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction XXXX s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Consumer Loan (Installment loan) with TRIAD FINANCIAL SERVICES, INC. (FL).
Issue: Managing the loan or lease

Complaint: i built a modular home on XXXX, fl. in XXXX county. triad financial handled to loan. florida law changed XX/XX/XXXX to allow titling of modular homes if XXXX criteria are met. it must be modular AND on a mobile home lot. zoning for the lot i built on does NOT allow mobile homes. i informed triad that it can not be titled. they did so anyway and charged me for the fee. i visited the dmv office in XXXX county. they told me it should not have been titled but was at XXXX. they assured me they could get it fixed and issue real property designation. they called later to tell me they can not do so while triad has a lein on the property. triad could transfer the lein to the land but will not do so. the home has been declared permanent by XXXX county and the state of florida. i can not refinance without real property designations i should n't even need to aquire. the home is permanently affixed to the land. i have n't been able to find anyone else that will finance.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: As a victim of identity theft, I am appalled that I recently was denied credit because of derogatory information ( a bankruptcy, liens and an authorizer user of a credit card ) on my credit reports. I notified all XXXX credit bureaus ( XXXX, XXXX and TransUnion ) about the inaccurate information being reported under my name. XXXX claimed that they verified that these accounts they are reporting under my name are accurate. I formally requested that they provide me with that the description of the procedure ( method of verification and any documents bearing my signature showing that I have a legally binding contractual obligation to pay them the exact amount claimed ) they used to determine the accuracy and completeness of this information and the name, address, and telephone number of each person contacted regarding these alleged accounts because when I contacted the courts, the county clerks informed me that there is no way that the credit bureaus can verify this information with them because they do not furnish information to them. I had placed a freeze on my XXXX account, so no information should not have been released by them either. I have also disputed the fraudulent credit card account with XXXX and they are not responding nor proved that this account is mine, which is a violation of federal laws. I requested that each credit bureau to clear up this matter because these items are entirely inaccurate and incomplete, and represents a very serious error in their reporting. I notified them that I would be maintaining a careful record of my communications with them for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should they continue in their noncompliance. XXXX has complied with removing the liens, but the other XXXX credit bureaus are not. As in XXXX v. Trans Union Corp., XXXX. XXXX ( C.D.Cal. XX/XX/1995 ), the credit bureaus may be liable for their willful non-compliance and If this is not resolved, I will have no choice but to file a claim against them due to defamation, negligent enablement of identity fraud and violations of 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 07-08-2015 about Mortgage (Other mortgage) with Seterus, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: We were effected by XXXX XXXX and XXXX offered us a XXXX month bereavement that would be added to the end of our loan. In XX/XX/XXXX, after already skipping XX/XX/XXXX and XX/XX/XXXX payments, we were informed that they made an error and we were not eligible for this program. XXXX demanded that we make-up the XXXX missed payments in full. We explained that we did not have the funds to do this since all the money was used to make repairs as a result XXXX. After the XXXX month forbearance, we started to make our usual monthly payments. However, the payments were and still are being applied to the previous months, thereby, making it appear that we have continually missed payments. As of last month, our credit report indicates that we have missed XXXX mortgage payments. To further complicate the situation, XXXX has transferred our loan to Seterus and they are also reporting ourpaymentsas missed. We have tried to resolve this matter with Seterus as well, however, each month we make a payment it is also being applied to the prior months. Thereby, making it appear that we are perpetually late and missing payments. The documents attached will show that we have never missed a mortgage payment with Seterus. Furthermore, we have had our mortgage with XXXX for close to XXXX years and the only time we did not make a payment to XXXX was during the forbearance which they authorized as a result XXXX and then reneged.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MI).
Issue: Application, originator, mortgage broker

Complaint: Earlier this year, a rep from our mortgage company ( CitiFinancial ) called to let us know that they were going to possibly be readjusting our mortgage. They said they would be sending someone to do an appraisal, and based on the determined value, they would be reducing the amount we owe on our house. They also said they would be giving us better terms for our mortgage. Since we have been paying on our mortgage for ten years and the principal has not gone down at all, but has actually increased, we were pleased that our terms could improve. They then had us begin working with another company ( XXXX XXXX XXXX ). This other company made it seem as though they were going to refinance our house for the amount of our appraisal and would give us a better interest rate ( our rate through Citi is around 10 % ). They gave us a list of things we needed to provide, and we gave them back the information they requested. They then sent another large packet of information to send back to them. This took us a long time to complete, and was complicated. We sent it back and had it returned a couple of times because they wanted more information. We gave them what they wanted. They then sent us another long list of things we would need to repair on our house to qualify for the mortgage. They said that our house would only appraise for the amount we conducted all the repairs. These repairs were extensive and would have cost us more than XXXX dollars to complete. They gave us a deadline ( a few weeks ) and then stopped working with us. Recently, I began looking online for some information about our mortgage company to see if there was a reason why they had to contact us in the first place, and I learned that on XXXX XXXX, 2014, Citigroup announced that they came to a settlement to resolve residential civil claims of predatory lending. Here is what I found : XXXX. I believe our loan was one of the loans that should qualify for " principal reduction and forbearance for residential loans, as well as other direct consumer benefits from various relief programs. '' We believe that it was never the intention of CitiFinancial nor XXXX XXXX XXXX to ever refinance our house or reduce our mortgage amount.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (Payday loan) with Zenith Financial Network Inc (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have asked XXXX XXXX XXXX 3 times not to call my work # but they continue to call me daily. I have not answered the last couple times. I risk facing disciplinary action from my employer for personal phone calls or avoiding incoming calls.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation ().
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I refinanced my student loan back in 2017 with XXXX. When I did this I setup monthly payments for $XXXX/mo with them. I just spoke to XXXX & asked about those monthly payments, they said they haven’t received any of those at all. And advised me to make a complaint. So in actuality XXXX XXXX has been taking money from my account every month, and none of that money is going to my student loans at all!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of IDENTITY THEFT. On XX/XX/XXXX I filed a Identity theft report regarding FRAUDULENT information on my credit report. I alerted each credit bureau by facsimile by sending a copy of the FTC identity theft report on XX/XX/XXXX. Each credit bureau immediately placed a extended fraud alert on to my credit file including EXPERIAN. XXXX  and XXXX immediately removed the fraudulent information that was listed on the Identity theft report from my credit file. Experian on the other hand still has these FRAUDULENT Credit inquiries and a FRAUDULENT address listed on my credit file. Even after I faxed the Identity theft report for a 2nd time on XX/XX/XXXX. EXPERIAN for a second time on XX/XX/XXXX. They have constantly ignored my request to have those FRAUDULENT credit inquiries and address removed from my credit file.

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : XXXX account XXXX Transunion To Whom It May Concern : I would like to dispute the validity of the above XXXX account. 
I request a dispute be started and XXXX account XXXX and request the account to be removed from my credit file. 

I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? 
Thank you Sincerely,

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 10/18/2017 about Vehicle loan or lease (Loan) with CONSUMER PORTFOLIO SERVICES, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX I received an alert stated that a hard inquiry as been made on my credit report. Their should not have been any inquires because I have not applied for anything. However, there was a hard inquiry from Consumer Portfolio Services. I purchased a vehicle from them in XXXX of XXXX as a desperate buyer. The loan itself, I will file a different complaint. I disputed the inquiry with the credit bureau and they did n't remove it and I have attmepted to contact XXXX but it only takes me to their collections department. More recently I received a letter from their attorney for debt collection.The company operated with a XXXX mentality and I no longer want to be silent about their way of doing business. They had no right pulling my credit report. No right

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: XX/XX/XXXX : I filed a dispute with all three credit agencies regarding a late charge that was reported as a result of charges accumulated from a stolen credit card.

XX/XX/XXXX : I am attempting to pre-qualify for a mortgage. XXXX can not pull my credit from Equifax as equifax is stating there is a fraudulent alert/freeze on my credit. I contacted Equifax where I was assured the alert would be lifted within 48 hours XX/XX/XXXX : XXXX still can not access my equifax report. I contacted equifax 4 additional times this day -- even conferencing in my mortgage loan officer. I verified my personal information and was also assured I did not have any type of block whatsoever on my file. On this same day, I attempt to obtain my free credit report from XXXX and equifax stated they will not provide it to me unless I resubmit multiple different forms of identification. This

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I do n't work. I am a single parent, who does not work. I have tried on several occasions to get them to lower the payment. They talk to me as if I am a child. They refuse to lower my payment. They want me to pay in excess of XXXX dollars. I think they are doing this because my dad cosigned, so they feel he should pay. He even talked to them, told them how much he makes, how much his bills are, then they decided to charge more, monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Other financial service (Credit repair) with John C. Heath, Attorney at Law, PLLC (NY).
Issue: Advertising and marketing

Complaint: Lexington Law advertised that they could help repair my credit. On initial review with the clerk via the phone. I was instructed that I would see vast improvement in as little as 30 days. 3-4 months of service nothing productive was done.

Company response to consumer: Closed with explanation