milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I sent a letter to Transunion outlining errors on my credit report in XXXX. I included copies of my identification as explained on their web site. My letter was ignored and never answered as the law requires.

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 05/19/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (KY).
Issue: Loan modification,collection,foreclosure

Complaint: Our home had a foundation problem that was very bad. Had to send papers to mortgage company where we had a special engineer come in an give us cost home much it was going to cost to fix foundation. Was going to cost us XXXX dollars to fix..was working with mortgsge company ona deed in leiu. But never heard anything back. All i got was my wages garnished..

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX    XXXX ,2017    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Oh  XXXX   XXXX  Had an inquiry on my credit report that I did not authorize or approve of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Advertising and marketing

Complaint: I was coerced into opening a new account with american express with misleading signup offers. The offer completely contradicted what was actually offered ( nothing at all ). I have contacted amex to resolve and they pointed out another offer, and did not address my concerns directly at all. 

Fraudulent marketing specifically to mislead consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Payday loan () with ACH Recovery Solutions (CO).
Issue: Received a loan I didn't apply for

Complaint: I spoke to someone from a collection agency about a payday loan I collected in XXXX XXXX, 2011. I did n't have a payday loan during that time. But the people had my Social Security # and the XXXX in 2011. 

I not sure what is happening, but I think I a part of a scam or misappropriate information. I think they are trying to file some kind of legal document to collect. I never received any paperwork in the mail, but they had my telephone number and said they were going to file a for my arrest. I did n't see anything on the bankruptcy about a payday loan. 

The number to the place that called me is XXXX and its called country court and litigation.

Company response to consumer: Untimely response
Consumer complaint received 10/22/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I placed a fraud alert on all XXXX credit reporting agencies due to the number of inquires seen on my credit reports. they sent me an email saying they had investigated and all inquires were correct, per the companies that posted the hard inquires, but they did not have adequate verification with my signature. i would like the hard inquires removed from my credit reports immediately, as they can not verify they were approved by me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Second complaint. Representative called me left voicemail returned his call never replied. Disputing unauthorize purchase of XXXX for XXXX XXXX XXXX simcard purchaesd from XXXX. Hey guys who 's reading this msg use your logic please sim card can not cost 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 monetary relief
Consumer complaint received 07/22/2016 about Consumer Loan (Installment loan) with Simple Cash Loans, Inc., (CA).
Issue: Taking out the loan or lease

Complaint: 1. Title loan on vehicle {$6000.00} original amount 2. Annual Percentage Rate : 101.9813 % 3. Total Payments : {$19000.00} 4. XXXX XXXX XXXX refused to provide payment coupons 5. XXXX XXXX XXXX refused to provide a ten day payoff statement 6. XXXX XXXX XXXX refused to provide an EIN number 7. XXXX XXXX XXXX refused to provide original contract provided a copy with forged computerized signature 8. XXXX XXXX XXXX required participation in mandatory 3rd party marketing program 9. XXXX XXXX XXXX installed a tracking device on the vehicle with {$1000.00} fee if not removed within 72 hours of satisfaction of lien

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with ALLY FINANCIAL INC. (ID).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: Fix my crsdit

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 05-08-2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Arbitration

Complaint: I am writing in regard to the account for the above named ending in XXXX. I was recently made aware that certain charges to this card were placed in a " pay over time '' option. This oiption was initiated in XXXX 2011. 

Neither I nor my wife asked for this option. As a result there have been 15.25 % interest charges revolving since XXXX 2011. 

Our fault was not paying attention to this account - which was set to auto pay full balance each month. 

The other result was that the minimum balance was being paid monthly. 

Neither I nor my wife asked for this option. XXXX inquiries to the Security Division at American Express resulted in a response of " the change was initiated online '' and that I was liable for the full amount. 

Additionally, there are several unauthorized charges on this card. They are marked in pink on the attached spreadsheet. 

I have opened an investigation. It is case # XXXX. 

I NEVER authorized the opening of a " pay over time '' option. I admit to never opening or examining statements. I will pay any charges incurred by my family. 
I am asking that I be credited for interest paid. 

I am currently in a tough position - stopping payment would result in poor credit. Making payments could possibly imply guilt. I am stuck - I must protect my family.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (ME).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX of my student loans was recently transferred to a different lender. The previous lender was XXXX and the new lender is Great Lakes XXXX XXXX XXXX. I did not receive a bill ( or any other correspondence ) from Great Lakes after the transfer. I tracked them down on my own after not receiving any bills for a couple months. They tell me they did not have any current contact information for me, and that is why I did not receive a bill. XXXX had a current mailing address, phone number and email address for me on file. Great Lakes wants to charge me a {$5.00} late fee because I missed one month 's payment. I refuse to pay it. 

This is the second time that XXXX of my student loans has 'fallen through the cracks ' when one lender bought the loan from another. In the previous instance the late payments were reported to the credit bureaus, negatively impacting my credit rating. 

Perhaps I 'm being cynical, but I wonder whether these lenders WANT borrowers to fail to pay so they make money on fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have informed you that the XXXX account that is reporting as a collection on my credit file do not belong to me. This account is a result of identity theft. Please remove from my credit file, immediately. Please find police report attached.

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 11/19/2015 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XXXX I filed a dispute with Experian disputing the following accounts. But they never responded to my dispute. I disputed that the accounts below is not reporting accurately. 

Here are the accounts that I XXXXXXXXXXXX BANKXXXX XXXX BANK XXXX XXXX XXXX XXXX & XXXX BANKXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EARLY WARNING SERVICES, LLC (IN).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: Early Warning Services , LLC is reporting an account that has been included in my chapter XXXX bankruptcy. I do not owe any amount of money to XXXX XXXX XXXX, nor has the account been handled improperly. I have requested the report be removed from the record as any negative balance has been included in the chaper XXXX bankruptcy, file number XXXX. The account is nearly 5 years old and should no longer be reported. This has caused a tremendously negative  effective against my banking relationships as well as employment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (OR).
Issue: Managing the loan or lease

Complaint: I have a loan with One Main Financial in XXXX Oregon. My payments were set on auto pay, and my payments were being regularly taken every 2 weeks. I noticed recently that One Main had not taken their payment from my bank account when they were supposed to. I tried several times to contact them and left phone messages. I finally got through and they claimed they were trying to call me, and I asked what number they were trying to call and they told my my current number. If they had indeed called me I would have answered or returned any missed calls. Their number is programmed into my phone so I would know it was them. The problem they said, was that they had a copy of the voided check instead of a voided check, and that they could not take any payments from me because of that. The truth is that they had been taking the payment right along every 2 weeks for some time although they did n't have the actual voided check. During the time lapsed that they did not take my payment, they slapped me with a {$98.00} late fee. This is highly illegal and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Debt collection (Payday loan) with Check Security Associates, LLC (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Personnel from Warner Asset Location Services called me multiple times per day while at work but would not disclose the reason for their call. I do not have any business with any company by that name. I believe they are a successor in interest to a payday loan company, XXXX. I have make arrangements with XXXX to pay this debt and others. Personnel from XXXX also called my employer and relatives frequently.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit card or prepaid card (Government benefit card) with Comerica (KY).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint: XXXX - Comerica Bank I have a card through this company where my funds are supposed to be deposited each month. My card was not working so I called to find out what the issue was. The online voice stated I ordered a new card on XXXX/XXXX/XXXX and should receive this in 5-10 days. I however did not order a new card, the card I have does not expire until XXXX and I currently have no idea where my money is, where this new card is, and I can not get ahold of anyone to speak with even though the website states I can speak to someone 24/7. When calling it says all representatives are busy and then disconnects. At this point I do not know how to correct my issue so my niece was helpful with filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Nation star has increased my escrow by {$60.00} so I will have excess in my escrow account. I refused to pay over my payment amount. I have made all my payments on time since I 've had this loan. This loan is a modification due to the fact I am XXXX. According to their paper work they sent me. I am paying the proper amount of escrow. {$140.00} that covers the amount of tax and ins. XXXX. I received a phone call from Nation Star not a notice. That they have suspended my account and if I did not make the payment it could result in forcloser. I do n't understand how they can force me to pay over my escrow amount that I do not owe. Then foreclose on my home because I will not. I am XXXX and I am on a fixed income. From reading the comments about these practices it looks like this organization looks for people like me. From what I understand this practise is used to let the individual not make XXXX payments then start forecloser procedings. The person owing the money does not have the funds to pay the jacked up charges so Nationstar forcloses on the home. They are looking for homes with equity that they can turn over. I hope this is not true. I still want to believe businesses are honest. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Fidelity National Information Services, Inc. (FNIS) (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: On my consumer report it says i owe XXXX money, i never opened an account with them. The information they have is n't my name its a jumbled version of it. I believe i have identity theft.

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 03/28/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I believed my identity was stolen and filed various disputes with credit bureaus on debts that were not mine and was successful in eliminating them. Now transworld systems is trying to charge me again for these debts harrasing me. They call on weekends early morning and night and they keep asking for personal information by asking me to " verify '' when the debts are not mine!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Debt collection (Medical) with GLA Collection Company, Inc. (KY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I already filed complaint # XXXX but need to add also complaint that original debtor refused to work with me when I called them. They said they no longer had an account # or any information on me and the collection agency they turned my account over to would not work with me either. So apparently someone sold the debt to another agency and now my credit report shows I owe XXXX different agencies XXXX different amounts for the same original debt. I was never even contacted by the XXXX agency in any manner. I had to go online to look up their name and phone number. I need to get this off my credit report. It has destroyed my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was settled in FULL with XXXX, and yet they continue to report open collections, even after I 've CMRRR mailed them the payment info

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 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: Information is missing that should be on the report

Complaint: I 've contacted equifax and XXXX and XXXX on the status on my student loans my student loans are were discharged the XXXX XXXX XXXX XXXX. the companies deleted my student loans completely. the are supposed to show payed and closed and a XXXX balance on my credit reports I would like for the them to reflect this matter! XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX both of these accounts had payment history on them which is effecting my score to be able to obtain a housing loan. I would like for it to be fixed and resolved I called the company and they were not very helpful in this matter at all. I was told that it could not be corrected or added back to my credit reports. I do have some positive credit history on those accounts

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Debt collection (Medical) with H. Kent Hollins, Attorney at Law, P.A (KS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The company will not tell me what my balance is, how much I have paid, or what interest is being charged. They want me to continue to pay $ XXXX/month without knowing this information. All I 'm requesting is notification of when a payment is received and what is still due. When the debt occurred, I was hospitalized for several months with a XXXX XXXX XXXX. I have no idea what the bill is for. I was XXXX for two years and am finally beginning to get back on my feet.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, 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