milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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: XX/XX/2018 I called Transunion and faxed the requested identity theft reports from the Federal Trade Commission and was told that the items would be disputed. I informed the representative that I was not trying to file a dispute, that the listed items were fraudulent accounts that resulted from identity theft. I spoke with a representative today and was told the FTC reports " did not meet their procedures for blocking accounts. '' I asked the rep to send validating documents that were used to verify the accounts, which I was informed they couldn't send. I'm just frustrated not only was the US supervisor ( rep ) speaking in a very rude manner, but I just don't feel it is fair for these accounts to still be reported when they do not belong to me. I couldn't even get the addresses linked to these accounts. I've previously tried contacting the creditors directly to no avail. They sent bills, no contracts with signatures or anything so I'm thinking the accounts were possibly opened electronically.

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 08-10-2017 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: Account information incorrect

Complaint: Purchased a new XXXX from XXXX XXXX XXXX XX/XX/XXXX and 5 months later it was totaled by another driver that hit me in XX/XX/XXXX. I was making my monthly payments that XXXX was slow to report on my credit report at first. When the car was totaled, the other insurance company made a pay off in XX/XX/XXXX which did not settle the balance. I had to do a dispute to show the reduced balance since XXXX was still showing the full amount due. The dispute was done XX/XX/XXXX and completed XX/XX/XXXX. In XXXX XXXX started calling me to make payments when I told them it was in a law suit and would be settled. I finally made 2 payments of {$400.00} on XX/XX/XXXX and XX/XX/XXXX. XXXX never reported those payments. I received my settlement in XX/XX/XXXXand XXXX accepted a reduced offer of {$2200.00} for the balance on XX/XX/XXXX. I had to call about 20 times till I finally got my pay off letter on XX/XX/XXXX. I started another dispute since the 2 payments were not showing up and finally on XX/XX/XXXX my reports were updated but had the wrong information. It showed account was open and there was a balance. It is taking me so long waiting the 30 days for a dispute so I have turned to you to see if I can get results in a more timely matter.

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 07-07-2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Rewards

Complaint: I submitted an application for a CitiAAdvantage Platinum Select MasterCard on XXXX XXXX by clicking through an offer that for XXXX AAdvantage Miles after spending {$3000.00} in 3 months. In the process of following up, I was told that I did not qualify for the offer due to closing a Citi AAdvantage Bronze card XX/XX/XXXX. 

The offer stated specifically that " XXXX XXXX AAdvantage ( R ) bonus miles are not available if you have had a Citi ( R ) / AAdvantage ( R ) Platinum Select ( R ) MasterCard ( R ) card opened or closed in the past 24 months. '' However, since I have not had a Platinum card since XX/XX/XXXX, I believe that I should qualify. 

If Citi/Mastercard count the Bronze card as part of the qualifications, then it needed to be explicitly stated. By stating XXXX specific card, it is understood by the consumer that other cards are not counted in the exemption, and that they are different products. 

Additionally, I have faxed the original offer that I clicked through and have not heard a response. The response time to secure messages has been over the promised 24 hours, with the same response multiple times. On the phone I was given the answer that the cards are part of the same family of cards, and therefore you are not qualified. When I asked to speak to a supervisor or if there was another number I could call for additional clarification, I was told that there was no one else to talk to, per their policy. 

I 'm attaching the offer which I faxed to them on XXXX/XXXX/XXXX at XXXX, EDT

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 03/21/2017 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (FL).
Issue: Managing the loan or lease

Complaint: On XX/XX/2010 I signed a contract with XXXX in XXXX, FL for an auto loan. I never signed any contract with Westlake Financial. They had my account sent to collection for a charge off and also with late payments. When I tried disputing this issue I was told if I wanted my title I must pay the balance of {$190.00} and I was questioning why do I owe a company I was never in contract with. I made a few calls to XXXX XXXX and finally got my title not sure how Westlake Financial ended up with my information but not my only problem is they are reporting negatively on my credit and when I sent information over to them to produce documents to show that I was in contract with them I never got the information. The only thing they keep doing is updating the information through the credit bureau stating that the information is verified and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Reporting company Equifax used my report improperly, and divulged my information without my consent. They also spent too long ( months ) before making me aware of this fact, during which time I could have placed security freezes on my credit. 
This has resulted in compromised security to my finances, my credit, and my health.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Vehicle loan or lease (Lease) with BANCO POPULAR DE PUERTO RICO (NC).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: XXXX of 2017 the following companys released loans to someone using my identity and social security number with out my consent XXXX XXXX XXXX vehicle lease or loan XXXX XXXX a vehicle lease or loan XXXX XXXX A vehicle lease or XXXX XXXX XXXX savings and loan a vehicle lease or loan I do not have any of these merchandises and this is on my credit reporting as having recieved. Effecting my credit.

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 06-09-2015 about Credit card () with CITIBANK, N.A. (NV).
Issue: Billing disputes

Complaint: XXXX/XXXX/15 We paid {$5000.00} to XXXX XXXX XXXX via out Citi Card Credit Card. 
XXXX/XXXX/15 Called Citi Card to dispute amount secondary to advised by our health insurance company we were not obligated for the full {$5000.00}. 
XXXX/XXXX/15 Received letter from Citi Card requesting we provide them the name of our insurance company, settlement date of claim, amount Insurance Company paid and our obligationXXXX/XXXX/15 Faxed over all requested items, stating our responsibility to XXXX XXXX XXXX was {$2600.00}, there leaving a credit due to us for overpayment of $ XXXX Received credit on credit card of {$1200.00} from XXXX XXXX XXXX Received letter from Citi Card asking if the {$1200.00} settled our dispute, replied back to letter via fax on XXXX/XXXX/15 stating no this did not settle our dispute as the total amount of dispute is {$2300.00} therefore we want to continue dispute for the additional $ XXXXCiti Card has had all information to process this dispute since XXXX/XXXX/15. There is still no remedy to this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX bill that is not mine I never lived in NJ nor had a XXXX bill In my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I XXXX have been married for 27 years. maiden name was XXXX Before this my birth name race XXXX DOB Is XX/XX/XXXX Last four of SS # XXXX. 
The Issue with credit service keeps putting A XXXX on my credit reports this women Race is XXXX. For the past 8 years I been trying to get a red flag on my credit report that the credit service would stop and look. My name is XXXX has been maiden name was XXXX before this. I have lived at address XXXX for passed 11 1/2 years. 
I WANT XXXX BAD CREDIT REMOVED MY MY CREDIT. THIS LADY HAS BAD CREDIT AND HAS HAD FOR SOMETIME. I CANT EVEN OPEN NEW ACCOUNTS BECAUSE OF A ERROR THAT THE CREDIT SERVICE IS DOING. THIS IS NOT FAR. I KEEP GETTING CALLS FOR THIS LADY AND MAIL. I DO N'T EVEN KNOW WHO THIS LADY IS. I SHOULD N'T HAVE HER INFORMATION ON MY CREDIT. PLEASE REMOVE XXXX FROM MY CREDIT REPORT. 
ANY QUESTION CALL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was negligent with their security systems that protect my private information from being accessed for fraud. 
My private social security information and credit card information is now in the hands of criminals. 
I was denied access to my security PIN at XXXX PM on XX/XX/XXXX when I attempted to place a freeze on my account. I was never given a PIN in order to " thaw '' my credit. I will have to send my personal information, and possibly money, to an organization that already proved itself incapable of being trusted in order to unfreeze my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (PA).
Issue: Closing on a mortgage

Complaint: As per the attachment, this loan was paid off on   XX/XX/XXXX . On  XX/XX/XXXX , t he PMI monthly premium was deducted for  XX/XX/XXXX . This should not have been deducted. As you can see on  XX/XX/XXXX  the PMI for  XX/XX/XXXX was already deducted. Why was I charged PMI for  XX/XX/XXXX when the loan closed on  XX/XX/XXXX ? I have made many calls to shellpoint to ask for my refund and have been told that this deduction should not have been made and that my refund is being processed. I do n't believe them any longer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Data Check of America LLC (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company is repeatedly calling me about a check I wrote 18 years ago that was supposedly returned. If it was, I resolved any returned checks I had at that time. They refuse to send me anything by mail and keep calling both my cell phone and my house phone. They have spoofed multiple numbers but have called from the XXXX number the most. They are extremely rude and hang up on you if you ask them to send you information in writing. If you search the number they are doing the same thing to many other people. I would not pay a debt without information in writing or knowing anything about it. They know my name, my phone number, my date of birth, and the last XXXX digits of my social!!! That is scary!

Company response to consumer: Untimely response
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Aargon Agency, Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I sent in the police report and the order from the judge to have the fraudulent information removed from my credit file to Aargon collection agency, and was told by the supervisor it will remain on the credit file even though it does n't belong to me. I indicated to the supervisor, by law it has to come off the credit file because it is n't my debt. It has been a month and it 's still displaying on my credit file. It is on all three credit reporting agencies. Please have this removed from my credit report, and conduct an investigation into this collection agency for illegal activity.

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 11-12-2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Deposits and withdrawals

Complaint: On XXXX I called USAA Savings BankWhere I have a checking account to inquire about my account and why it was overdrawn. With no help or resolution on XXXX diffrent times I asked to speak with a supervisor finally I did. He was rude and I had to ask what his position with the bank because when the call was transfered. He just said hello how can I help you. I asked could he help gi over my transactions. He said you should know didnt you swipe your debit card. I told him was XXXX the mosr unprofessional people I had ever spoke with. He kept mocking me and would say he doesnt understand my question and he doesnt know how to help. I ended the call. About XXXX hrs later I went to go login to my account I was locked out so I called the number it instructed me to. 
The representive asked did I forget my pin zi said no. So she reset it. Then I asked who locked me out of my account online she said she didnt know and she would transfer me to the main customer service line. I did speak with a knowledgeable rep we went over all my transactions and posting dates. Just like a senior rep was aware I get paid weekly. I was informed my account had been reviewed for fraud but then it was competed. And she said someone put my account in a credit only ststus. She said when I get paid it should clear. She said my account was fine. On XXXX I logged into my account to see a pending/hold on my current balance. So I called in and was told my account is going to be closed and no explanation to why. So I explained to the rep I get paid every week. She said well I will get a check in 10 dsys when my deposit comes in. I explained to her I have XXXX small children. I hadnt done anything wrong is to why I cant access my money when I get paid. I asked to speak to a Supervisor he was polite but still of no help. He said my account was under review and until it is complete I have to wait. I asked why I never had any disputes or reported fraud. I get a simple pay direct deposited in my account each week. 
Its now Thursday and Im not allowed to simply withdraw XXXX the deposit amount was XXXX but USAA took the XXXX but still refuses to give me my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (I do not know) with Western-Shamrock Corporation (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not know what this is.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage LLC wrongfully continued charging MIP at approximately {$1000.00} per year after my termination date, when mortgage was scheduled to reach 78 percent of original value of property. By law, MIP should have automatically terminated not later than the termination date.12 USC 4902 ( b ) ( 1 ). I was never in default under this mortgage. Upon inquiry about terminating MIP, Nationstar responded that the " LTV must be equal to or less than 80 % '' and that I did not meet requirement to cancel mortgage insurance, stating : " In reviewing our records you do not meet these requirements, as of the date of this letter your loan to value is 77.3 % ''. Apparently, Nationstar Mortgage mistakenly believes the LTV has to be " above '' 80 %, and that I somehow had to get " up to '' 80 % LTV from the admitted existing 77.3 % LTV- which, of course, is nonsense even if the 80 % LTV were the applicable measure. In fact, the applicable standard I was addressing was the automatic termination date.12 USC 4902 ( b ) ( 1 ). Nationstar continued to wrongfully charge MIP until I closed on the sale of my home on XX/XX/2016 and paid off the mortgage in full. The mortgaged property was my principal residence throughout the term of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I was {$48.00} behind on our mortgage because our town raised taxes and our escrow account fell behind. GREEN TREE SERVICING called my XXXX year old mother who lives in a different city and has no connection to the loan and told her we were behind on our mortgage. She said she did n't sleep for two days worrying that we were in financial trouble. Since I could never think a real company could do something like that I told her someone was trying to scam her and then she worried about that too. Major violation of privacy and unfathomable business practices to just call relatives and talk about someone 's finances. They already got in big trouble for this in Vermont, but they are still doing it. ( This happened in XXXX 2015 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2016 about Debt collection (I do not know) with AFNI INC. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a XXXX XXXX bill on my credit report. I paid this item, but I was never issued a notice and had no opportunity to dispute the debt. Because a dispute investigation was never conducted, then it should not show on my credit history. Please remove from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received a letter from Synchrony Bank stating that my request for a credit card with a retail store ( AE OUTFITTERS ) has been denied, however I have never applied for a credit card with this store. I have shopped at AE stores and at their online store before, however I have never applied for a credit card. Additionally, the reason given for the denial is " no credit bureau file '', which is incorrect. I did check my credit report with XXXX just now and everything looks fine and no credit inquiry from Synchrony Bank is listed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX called my mother who lived in another state and told her that the police were looking for me and something about me going to court and that I needed to call them asap! and They told her that they had been to my house a few times and failed to find me!!!! I have called them and asked them to stop calling me so now they are calling my family members

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am divorced from XXXX as recorded on XXXX XXXX, 2013 in the XXXX XXXX XXXX XXXX, KY. As part of my divorce decree, my ex-wife was deemed entirely responsible for a loan we jointly entered into when married. This loan is with XXXX and was a loan used to improve a house of which she has current ownership. Even though the payments are less than {$200.00} a month, she has not made them in a timely fashion. I realize that my name is still on the bank records for this loan, but my decree shows that this responsibility is hers and hers alone. The negative impact her continuing poor financial management is having on my credit score is unreasonable. I respectfully request that this entry is removed from my credit score. 
Finally, I feel wrongly penalized for the credit inquiries I have had to request in pursuit of rehabbing my credit after divorce from my financially irresponsible ex-wife. How is a man who has served his country supposed to recover from the financial devastation wreaked by the person at home who was trusted to manage those finances if not by getting records and assessing damage? Please, is there any way to remove the negative rating these inquiries give me?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I cosigned for a private student loan in 2009 for my sister. The loan was originally XXXX. It has since almost tripled in interest. My sister has graduated and is working as a XXXX to pay her bills. I reached out to XXXX XXXX ( now Navient ) on several occasions to be released from the loan. I was told I had to make 12 consecutive on time payments and I could be released, but I could n't make those payments in advance. So I have been having a hard time trying to maintain my sister 's loan payments and mine ( I currently have federal student loans from a different service provider ). They would not allow my sister to make income based payments, instead they wanted to use my income. I do n't understand that logic since I am not the primary person on the loan. Needless to say, we are now 3 payments behind with no relief in sight and it is negatively impacting my credit score.

Company response to consumer: Closed with explanation