milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is an invalid and prematurely placed lien reporting in the public records section of my file. A TAX lien labeled under ID # XXXX needs to be removed. I have repeatedly disputed this account because it has been removed from my name and is no longer on my file in the county and federal courts. this lien was accidentally placed and is no longer valid nor has been valid for years now. I keep relaying this information to TransUnion to remove it but they refuse and keep verifying it as mine but do not conduct a proper investigation to see that it is NO LONGER ON FILE and not linked to my name. They refuse me any procedures or any description so that I may see how or who has verified this to be accurate. i do not believe that they have conducted a legal investigation at all. they continue to violate the law and they are ruining my life. please, can the CFPB and FTC help assist me in holding this company responsible for their fake investigative duties and their lack of proper correspondence with the consumer?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Debt collection (Other debt) with Conn's, Inc. (NM).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: My dispute involves two companies the first being Conn 's XXXX XXXX in XXXX, New Mexico. I put my account with them on Auto pay. I received a phone call stating that my account was delinquent. I sent them a copy of the paperwork from the bank showing the payments were being made. I spoke with a supervisor from Conn 's who advised me they had lost the money for my account. They call me 6 or 9 times a day from different phone numbers. I 'm still paying on this account and I am being charged a late fee and they continue to call me even though once a month I have my bank send them money. XXXX code XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with fraud alerts or security freezes

Complaint: I had received a letter in the mail on XXXX XXXX,2017 and it stated that Equifax had suffered a data breach. And that they understand there is a possibility that my personal information might have been exposed. So it said to go to the www.equifaxsecurity2017.comXXXX to determine if I have been potentially affected and to sign up for credit file monitoring and identity theft protection. So I went to that website and it says that yes your personal information has been exposed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2016 about Consumer Loan (Installment loan) with Ditech Financial LLC (TX).
Issue: Managing the loan or lease

Complaint: This is a supplement to Case No. XXXX : We have since received responses from the credit bureaus that Ditech said the credit reporting information was correct. Today, we received certified notices for homeowner counseling with a PAST DUE AMOUNT OF {$7400.00}. Ditech is obviously not recognizing the new contract that was put in place during bankruptcy and filed with the Court, and acknowledged by the Court. The credit reports now have " Charged Off '' and {$0.00} past due. A XXXX, 2015 statement also states charged off, and {$0.00} past due, and now a new statement showing {$7400.00} past due. This is truly unbelievable. Do I need to take my savings and sue this company? They are in breach of contract, and have obviously violated FTC rules, wrong reporting on my credit report as Charged Off, rather than Included in Bankruptcy, and states {$0.00} due. So, technically it looks like on the credit reports we do n't owe anything. How can a company do this to people. They depend on their attorneys to have political clout within the court system, but hopefully I can locate someone to sue them in Federal Court where the playing fields are somewhat more level. I feel sorry for people that dont understand their rights, but unfortunately to exercise your rights, it takes a lot of money, which I do n't have obviously having gone through bankruptcy. Please advise the status of any assistance you can provide.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On 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 08/16/2016 about Credit card () with CITIBANK, N.A. (UT).
Issue: Billing disputes

Complaint: I have filed a dispute with XXXX XXXX. I now can prove my charges were not real and I have asked you to call me and emailed several times.

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 08/29/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I pulled my credit XX/XX/XXXX, I noticed that I had inquires that I did not authorized at all. I have called, fax and sent certified letters as well to Equifax and have gotten nowhere with them. I have agreed to put fraud alert on my credit, they still give me the run around. They just do n't care about anything, I told them my credit means everything to me and I want those inquires removed. They told me they will not remove them. I need your help because I value my credit and need it to survive because everything in life is credit driven. I just re- pulled my reports today and nothing has changed on my credit reports. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: I applied for HELOC loan with Wellsfargo Mortgage. Submitted all the documents necessary and proof of savings to cover upto 6 months of expenses in case of change in financial situation. We have had no other payments except for mortgage. Based on affordability calculators online, I qualified for the loan. 

WellsFargo rejected my application with reason " We do not offer the type of credit or the terms you requested. Amounts owed are too high relative to your income ''. 

Next week I applied for the same loan with my local XXXX XXXX XXXX and within 21 days the loan was approved. 

I feel WellsFargo is discriminating. I do n't understand how could WellsFargo reject my application while XXXX XXXX XXXX approve the loan.

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 09/14/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Midland Funding XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX. They are reporting a XXXX XXXX. debt that was originated in XXXX from my XXXX husband that I never knew anything about. I never signed for this loan and I knew nothing about it. They are harassing me to make a payment but XXXX sent me a letter stating they dismissed the debt and I filled a dispute through XXXX and provided them with a letter from XXXX stating that the loan was fraud and asking them to remove it from my credit but Midland has refused to move it. On XXXX/XXXX/XXXX XXXX sent me a notice of account closure of this fraudulent account partial account number XXXX but Midland XXXX still trying to collect on it. on XXXX XXXX XXXX I called midland funding, but they are still insisting I pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I HAVE 2 UNAUTHORIZED HARD INQUIRES by Cbna Last Reported by XXXX XXXX XXXX 2017 - XXXX XXXX XXXX XXXX. Posted on my XXXX Credit Report that are not on my XXXX Credit Report. I have not applied for any additional credit cards as I only possess one credit card the XXXX XXXX to rebuild my credit. The rest of my processes are for credit repair. Please investigate and remove thes two Hard Inquires from my XXXX Credit Report. I contacted CBNA Customer Service but obtained no satisfaction.

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 04/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: For the last 3 years, i thought i was on an income based repayment, but when i redid my paperwork last week, i found out i was on an income sensitive forbearance. I was never informed that i was on a forbearance and even though i made payments for the last 3 years, they didnt qualify toward the 25 year ontime forgiveness. I now have to start from scratch at repayment. I have navient as a provider and now that im on an income based repayment, i will still be paying for at least another 25 years.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed information with XXXX I have mailed information like they told me to do so that I can have this fraudulent information off of my credit. At the end of their investigation they said it was verified! I tried going directly through the collection agencies and they told me that if its fraud or the wrong person and to call the original company, but then when I contact the main company I 'm told to dispute it and then talk to the collection agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Mortgage (Conventional fixed mortgage) with AMERICAN INTERNET MORTGAGE (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I have had a loan with AIM since 2010, I have been paying twice a month all along. Well I am getting documents together for the sale of this property, and I find out that AIM has been keeping my first monthly payment in a non-interest bearing account until the second payment comes in and applying it all at once. I received absolutely NO benefit from paying twice a month like I expected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Chase assessed {$2000.00} interest on a {$6000.00} loan. They have never sent a statement so I can pay the interest charges as I do on my daughter 's other loan. I want to pay the interest going forward but I need statements. I also want the {$2000.00} rescinded since we were not made aware of it at ANY time from Chase. They lied and said they sent statements. They have never sent a statement to any address my daughter or I had. And I was int he same place for 14 years.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My closing date for the Capital One credit card is allegedly the XXXX of the month. However, according to XXXX the last time my account was updated was XX/XX/. It states my babalnce is {$470.00}. Additionally, a replacement card ( that was ordered do to a fraudulent charge ) that never arrived at my house is listed on the account. I paid the balance off in full onXX/XX/XXXX. My account should have been updated by now, XX/XX/. I spoke to a supervisor, XXXX, who stated she could not or would not correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX onTransunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 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: I have several inquiries that I did not give consent to run my credit. lease remove them from my credit report. I have no knowledge of these inquiries and there is not account attached to them. Equifax is stating that " inquiries are a factual record of file. How are these inquiries factual when I have contacted the creditors and the creditors have no account. Furthermore, they have no knowledge of me doing business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Source Receivables Management LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received a call from a local telephone number XXXX XXXX XXXX XXXX. After I answered a woman named XXXX spoke very fast listing my address and asked for me by name twice. I asked where she was calling from and she said Source RM I asked what that was and she replied it was a debt collector. I asked what her location was, she kept responding by asking " how do I want to pay my debt today? '' she finally replied by saying she was located in XXXX. I asked if she was calling from a recorded line ( as I live in XXXX ) and she repeatedly asked " Why do I not want to pay my debt? '' I asked again about the call being recorded and she sighed and said " calls are monitored for quality assurance purposes. '' I then said thank you and ended the call. The whole time the Source RM representative was very rude, hard to understand and seemed to be intentionally evasive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/23/2017 about Debt collection (Medical debt) with Professional Credit Management, Inc (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX   XXXX  ,2017- $   XXXX  - Ca ll  XXXX   XXXX  and ask them to remove this off my credit report because was my Ex-wife Account. she fill Bankruptcy.  XXXX   XXXX  call my Ex-wife  (   XXXX   XXXX   ) a nd said because you fill Bankruptcy we will put this account on your Ex-husband credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Application, originator, mortgage broker

Complaint: I attempted to file bankruptcy ( chapter XXXX ) in XX/XX/XXXX which did not go through. the property was foreclosed upon while I filed bankruptcy ( chapter XXXX ) in XX/XX/XXXX. The bankruptcy was finalized in XX/XX/XXXX, but my name remains on the title excluding me from refinancing my current home.

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 04-10-2018 about Mortgage (FHA mortgage) with LoanCare, LLC (CA).
Issue: Trouble during payment process

Complaint: I lost my job and receive unemployment insurance. I am also part of the Keep your home California program. My loan care the mortgage service company told me that I was enrolled into a new program without my knowledge and as part of this program I would NOT be notified if my mortgage payment was late. I received a credit notification that my credit score went down significantly and when I inquired as to the reason I found out that My loan care placed a 30 day late on my mortgage. I was never once notified about my mortgage being late. My loan care stated that as part of this new program that I was enrolled in ( with out my knowledge ) that i would no longer receive notices if my loan was late. They would only ding your credit and not tell you about it at all. I asked to speak to a manager and still have not received a phone call back. As soon as I found out that my loan was late I promptly paid the payment but cant get them to remove the 30 day late notice from my credit report.

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 08/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: My complaint relates to the way American Express investigated our dispute with XXXX XXXX XXXX ( XXXX ) in XXXX Missouri which started in XXXX of 2016. Now that the dispute is a year old American Express has closed it. Throughout the dispute process we were told to contact XXXX in order to come up with a resolution. WE attempted to do this. However, once American Express paid XXXX, XXXX would not return our calls, emails or snail mail. American Express sent us documentation sent to them from XXXX which appeared to indicate that we used the third party time share exit team XXXX XXXX XXXX. We were unable to use the XXXX XXXX exit process because XXXX XXXX asked us to sign a totally blank enforceable agreement form which we refused to sign. XXXX then told us that we could drop out of the process. So the amount of money that we charged on our American Express card - {$2.00}, XXXX which included {$750.00} for XXXX XXXX XXXX should have been refunded back to us. American Express did not do this because XXXX told them that we owed them {$2.00}, XXXX. XXXX knew that we did not use XXXX XXXX XXXX and when XXXX XXXX XXXX from XXXX was talking to us he referred us to another time share exit team, XXXX XXXX XXXX, also in XXXX,. So we opted not to use this group either. So we opted not to use this group either which according to Better Business reports, was under investigation. So we opted not to use this group. We tried to open another dispute with American express with the {$750.00} amount subtracted but American Express said it was too late that they had already paid XXXX. XXXX has our money which means that technically we are members of this group but they have not communicated to us in any way to even acknowledge that they we are technically members of XXXX even though we do not want to be members and only joined because we were told that this was the only way we could access the exit team that they could guarantee would get us out of our XXXX resort time share. Unfortunately, the XXXX promises that we were depending on were all verbal. We understand that according to contracts that we signed with XXXX we owe them some money but not the money that went toward a time share exit team that we clearly did not use.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I received the XXXX XXXX XXXX Credit Card XXXX in XX/XX/XXXX. 
I made one purchase XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX {$260.00} and have not used it again. 
On XX/XX/XXXX the following transaction was withdrew from my XXXX XXXX XXXX, Texas : XX/XX/XXXX XXXX XXXX PAYMENT XXXX XXXX I did not authorize this transaction. 
I have a savings account and CDs with XXXX XXXX so I phoned them and asked why they withdrew {$2200.00} from my XXXX XXXX XXXX, Texas. After they did some searching they replied that they did not do the withdrawal. I went to XXXX XXXX XXXX, Texas and asked if they knew who withdrawer the money and they did not know so I filled a Disputed ACH Transaction. 
On XX/XX/XXXX I received an email from XXXX XXXX, Oops, did you forget to make your payment? 
I retrieved the XXXX XXXX XXXX Credit Card from my files called the number on the back of the card asked them what they were talking about and that was the first time I knew who had withdrawn the {$2200.00} from my XXXX XXXX  XXXX, Texas. 
I do not know how someone had the Credit Card information as the card has been in my file cabinet for the past 2 years. 
How did someone get the information to make a payment on my XXXX XXXX XXXX, Texas? 
When I phoned XXXX XXXX XXXX Credit Card I asked them why they had not sent me a statement and they said they had and it was returned. 
This whole thing looks like an inside job to me I dont know how anyone else could get this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation