milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. My apartment was broken into and several identity documents were stolen. After the theft several accounts were opened in my name. I have had to dispute these accounts in the past. Now there is only one account left. The collection account from debt collector " XXXX XXXX '' is being reported on my credit report. This collection account is for an original creditor. The original creditor is an apartment complex called " XXXX XXXX ''. This apartment is the address that all the fraudulent accounts were opened at and credit and debit cards sent to. I never lived at this apartment complex nor have I ever agreed to any lease with this apartment complex. Every single bank has done their own investigation and found that I did not open the accounts nor did I live at the XXXX XXXX address. I have filed a police report and an FTC Identity theft report. I submitted this information in a dispute directly to XXXX XXXX 60 days ago yet they still are reporting this negative account on my credit. This is the only negative item on my otherwise perfect credit report. 

I have attached the following documents to this dispute : A copy of the police report A copy of the FTC identity theft affidavit A screen shot of the " XXXX XXXX '' webpage showing the address which is the fraudulent address where credit cards where sent to and where a lease was executed in my name without my knowledge or consent. 
A copy of the XXXX credit card application that was opened in my name, showing the XXXX XXXX address A copy of the letter from XXXX showing the results of their investigation removing me from the account and deleting it 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 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: 50 days ago, I sent a letter to Equifax. In my letter, I identified information that was reporting on eight separate accounts. I asked Equifax to conduct an investigation on the inaccuracies and respond back to me as soon as possible. As I understand it, they are supposed to respond within 30 days. But like I said, its been 50 days and they have not responded yet.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2011, I was arrested by XXXX XXXX XXXX District Attorney 's Bureau of Investigation. Before booking me at the XXXX at the XXXX, booking number XXXX, I was taken to the XXXX hospital to be check out. Why that was done I do not known? But since I was in handcuffs, I had no say so in the matter. All so, I would like to point out that at the time, I had my own Doctor. His name was XXXX XXXX XXXX located in XXXX, ca. Since 2011, I have tried to resolve this issue with CMRE Collections but to no avail.I have letters and information verifying everything I had said. In fact, I sent CMRE collections a letter showing that I was in police custody at the time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Problems caused by my funds being low

Complaint: I wrote a check in the amount of XXXX, check number XXXX, on XXXX from my Capitalone 360 checking account. A deposit made on the same day in the amount of XXXX should have covered this check. However, the account was charged a finance charge on XXXX, after I wrote check and deposited it to my XXXX account. The finance charge appeared today, XXXX, in the amount of XXXX. Prior to this, a funds transfer in the amount of XXXX posted on or around XXXX, bringing account to a XXXX balance. The account was overdrawn for quite sometime and there was an overdraft line of credit in the amount of XXXX, it appears the line is now down to XXXX, according to reps spoken with today. Please note, I did not receive any notice overdraft line was closed and or brought to XXXX. The only notice I received advised me the account could not be used until its brought to a positive balance, it is currently XXXX positive. I need overdraft line reinstated and check paid with no overdraft fee to resolve this

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: On XXXX XXXX, 2017 I made a purchase at Marshalls of {$11.00}. The clerk asked me if I wanted to upgrade my current account so I said yes. It was approved and I seen the amount of {$500.00} on the receipt. ( My current account has a credit limit of {$300.00} ) so ok I thought that was my upgrade. Yesterday XXXX XXXX, 2017 I receive an invoice separate from the other one I just paid for {$11.00}. I called TJX this morning and asked to cancel that account and was told via a recording that all my accounts would be closed so of course I said no. Then I asked to speak to someone because I never received a card for this new account that I did n't even apply for. An upgrade is not a separate new account an upgrade should refer to your existing account. Why did n't they just raise my credit limit on the current account. Its easy to spend {$500.00} you do n't have. This is fraud as far as I am concerned. And, if I closed my accounts they would want the total amount owed which I do n't have.

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 02-04-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: loan sold to Green Tree ... awful awful ... now Ditech..awful, awful ... I have been on a repayment program which was to XX/XX/XXXX, yeah! now had a notice payments going up {$150.00}, according to some stupid escrow rule they have, ..when I called, they blamed it on XXXX, of course, and the way they handled my loan. 

How are these people still in business??? Who can help us???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Mortgage (Conventional fixed mortgage) with VANDERBILT MORTGAGE & FINANCE, INC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XXXX, I received a notice from XXXX XXXX Tax office stating that my property taxes were delinquent. I immediately contacted Vanderbilt Mortgage at XXXX and was transferred to their " tax team ''. I spoke with " XXXX '' who refused to provide his last name but informed me that his extension is XXXX. After explaining my situation to XXXX, he informed me that Vanderbilt received the same notice from XXXX XXXX XXXX office, however theirs stated that there was a delinquent amount of {$610.00}. I asked XXXX if he could provide me with the last payment made to XXXX XXXX from Vanderbilt XXXX via our escrow account ) and he said it was {$360.00} paid on XXXX/XXXX/XXXX. He then informed me that we signed an agreement for home and land taxes to be paid from our escrow account, however he could not explain why we got a delinquent notice or why they did not contact us when they got the notice. XXXX then informed me that he had another address for us, but refused to give me the address he was referring to. I then informed XXXX of what our address was and told him the address he was referring to did not exist. I am stunned that my mortgage company would have the incorrect address on a contract we signed 2 years ago. I want to know from Vanderbilt why I am receiving delinquent tax notices if they were suppose to be paying the taxes from my escrow. Also, Vanderbilt informs us every few months that our mortgage payment increased. This last time it increased from XXXX to XXXX. They constantly blame it on the insurance, however we have a fixed rate. I would like this company to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Due to medical issues, I had to declare bankruptcy in 2014. The bankruptcy, including all medical collections, was discharged in XXXX 2014. I have worked really hard to rebuild and have been successful with everyone except Equifax. I have disputed a medical collection that they are reporting as open XXXX different times. Each time, they report back that the debt has been verified, although they have added comments stating 'Account closed at consumer 's request - Chapter XXXX bankruptcy ', and they continue to report the account as Open. This is negatively affecting my FICO score. Equifax will no longer allow me to dispute this online. It 's a really simple matter to mark the account closed and it is perplexing why Equifax ca n't seem to get it correct. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Vehicle loan or lease (Loan) with Westlake Services, LLC (TX).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: Constant calling, even on holidays, harassing my husband and I. They call everyday, all day long. Using different numbers and all. Westlake Financial Services

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America sent me foreclosure notices and foreclosed on my property without giving proper notice. I filed Chapter XXXX Bankruptcy. XXXX, XXXX to stop the foreclosure. I was in a active Bankruptcy when notice of the foreclosure sale was given.The Bankruptcy was dismissed XXXX XXXX, XXXX and my property was foreclosed on XXXX XXXX, XXXX. 
My understanding of the Tennessee Bankruptcy laws is while I was in the Bankruptcy I was protected by a Federal Bankruptcy stay and the foreclosure process never should have started. The Foreclosure attorneys for Bank of America and Bank Of America proceeded with foreclosure even though I was under Bankruptcy protection. I do know i was suppose to receive notice of intent of the property sale after my Bankruptcy was dismissed. I want the the foreclosure rescinded and the deed reinstated. I 'm prepared to file a lawsuit if necessary for damages and to get my home back..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Using a debit or ATM card

Complaint: Bank of America ATM XXXX located in XXXX. I withdrew {$400.00} and the machine did not dispense money. There was a number on the machine to call to report a problem but it kept looping back to the main menu. I called a different number for the bank and they told me it was n't their problem because my checking account is with another institution. I do n't think they should be allowed to have ATMs in public locations if they wo n't support them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Debt collection (Credit card) with Niagara Capital Recovery LLC (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I would like to place a complaint the company or person called my place of employment from a restricted number ..spoke to my boss and told my boss they were going to take legal action and called family members saying they were going to get me fired. The name of the person is XXXX and there is a person named XXXX his extension is XXXX I was able to get their nbr by calling the restricted number its XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: As everyone knows the crumbling of the XXXX XXXX empire which has left alot of students displaced, after all the high hopes of pursuing a career for the jobs of today on your schedule. After several years of XXXX then trying to complete XXXX XXXX to be cut short by XXXX 's ability to stay legal. Having wasted all this time attending XXXX while supporting my XXXX children on my own and working XXXX jobs. The hopes of obtaining an education to possibly show my children that it is never to late to better yourself and prove to myself that i am worth something better in the job market. Now having this blemish on my record ( XXXX ) employers laugh considering the situation and time lost trying to get my degree. Then XXXX XXXX was our loan holder which has problems and they transferred our loans to Navient, in my opinion is grossly over taxing my loans. For an XXXX XXXX and a half a XXXX my repayment is {$95000.00} over a period of 18 years. No way is the education i received worth this especially after all that we have been through after its closings. Please HELP!!!!

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 Experian Information Solutions Inc. (PA).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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 12-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (SC).
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: Started a dispute with Capital One in XX/XX/XXXX to XX/XX/XXXX and I Told them I was having financial hardship at the time ... I contacted capital One already with the goodwill letter and they werent willing to change the status of late payments. I received a letter advising me that they were looking into it and I even contacted the CEO of the company and his assistant advised me that it would take 24 to 48 hours to hear something back still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call over and over again, back to back and for hours on end never leaving a message. I only figured out who it was by looking up the number. If you do answer they are rude and abusive

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Back in 2010 my house that I lived in with my mom and family was broken into when I was XXXX and our personal information was stolen. My mom filled a report with the police. Also my mom works with XXXX and they sent her a letter saying our information was breeched also with them. My mom and I was made aware that there are some debts on my credit report. My mom wrote into the reporting agencies and they wouldnt take it off. Also there are a lot of medical bills and accounts of debt on my report that I dont know where they came from. I still live at home and dont have bills of my own plus my mom still has me on her medical plan so I shouldnt have any medical bills. I am in college and my main focus is school. My mom and I have written the agencies and I included a copy of my ID and social but the always tells me to send in more proof of my Identity and they refuse to delete these items or the inquires associated with them. I am asking that your agency help us with these issues. Thank you so much for your time and consideration. I am attaching a copy of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Vehicle loan or lease (Loan) with BHFC Financial Services INC (CA).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I entered into a automobile loan agreement with BHFC Financial Services  XX/XX/XXXX . I maintained a good payment history with them and any time I was going to be late (twice)  I notified the company in advance. Beginning in  XX/XX/XXXX  I made several attempts to payoff the balance of the vehicle due to its high interest rate (

Company response to consumer: Untimely response
Consumer complaint received 06/20/2016 about Student loan (Federal student loan servicing) with ACS Education Services (MS).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: * XXXX to excessive transferring of my student loan accounts from one servicer to another, I have had difficulty keeping track of who I owe and when to pay them due to inconsistent billing. 
* Billing statements were not sent during the period of the delinquency notations despite calling the various servicers to find out to whom, how much and when to pay them. 
* The following delinquency reported on my credit reports is inaccurate and the result of Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) by the servicer, which is under the purview of the CFPB : 1. 90-day and 60-day past due delinquency notation in XX/XX/XXXX and XXXX XXXX without a 30-day past due notation in XXXX XXXX on ACS/XXXX, XXXX, CA account. 
2. 120-day, 90-day and 60-day past due delinquency notation in XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX without a 30-day past due notation in XXXX XXXX on same account. 
3. Reported delinquency noted in items XXXX and XXXX also appear on XXXX other ACS/XXXX accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This account is not mine also was previous delete off my credit report and add back on with out proper notification of document that it was going to be reinserted back on 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 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (AR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX # XXXX and XXXX XXXX XXXX has multiple names and continue to duplicating accounts on my credit reports. This account has been paid. Both creditor and collections are reporting incomplete information misleading potential creditors offers. XXXX XXXX exceed XXXX year statue for reporting. 

Capital One Best Buy paid as well all adverse information listed on credit report is incomplete. 

XXXX XXXX XXXX XXXX Bank are all the same duplicated accounts.. I have record showing I paid this account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (Payday loan debt) with Tribal Lending Enterprise, Inc. (IN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Repeatable calling me after written cease and desist

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 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had terminated a phone contract with  XXXX  at the end of   XX/XX/XXXX   or beginning it  XX/XX/XXXX . The account showed as derogatory in my credit. However, I recently checked my credit and I believe the account was purchased by convergent and my account was re-aged to  XX/XX/XXXX . I never agreed to the re-aging.

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 09-09-2017 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: Equifax suffered a security breach on X/X/2017 due to lack of sufficient cyber security and divulged my personal information through cyber attack. They are also a victim here, however as a direct result of their lack of security, I will now INDEFINITELY be at substantially increased for identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I was assessed another overdraft fee today after being charged {$72.00} in fees yesterday. I spent all day calling  XXXX   XXXX  a t PNC  who never called me back. I called her several times, left  XXXX  messages and emailed her. I 'm being punished for being poor so the bank can make money for their shareholders.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My Experian report shows a inquiry from  XXXX   XXXX  that I did not authorize.

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