milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To All party involve XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT { XXXX } XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX, XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 12/17/2017 about Payday loan, title loan, or personal loan (Installment loan) with Louis M. Turchiarelli Attorney at Law (GA).
Issue: Problem with additional add-on products or services

Complaint: This was an unsourced line of credit and the business closed over 14 years ago and I was a guarantee. XXXX has been and still is billing me when the business is going out of business. they went after me the first 7 years to try and only after selling the loan to a collections XXXX XXXX XXXX  XXXX. They in returned garnished my wages while XXXX whom had sold the loan and I sign an agreement to try and repay then attorneys from and was unable to meet the obligations, Both XXXX and the Collections company was hindering me. I refinance my mortgage in XX/XX/2010 and was made to remove the XXXX that was put against me only to have the same attorneys office file another banishment and XXXX on me personally. This has been going on for 17years and I am going to Sue

Company response to consumer: Untimely response
Consumer complaint received 05-04-2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Closing/Cancelling account

Complaint: I received a letter from Chase stating that my credit card was being canceled because continuing the relationship represented a possible reputational risk to Chase. Three phone calls were made with no explanation given. An e-mail was sent and we got a message saying that we would get a response in 10-12 days via US mail. When the letter came it referenced an article on a XXXX web site as the basis for their decision. ( XXXX ) This article references a XXXX in XXXX in 2006 and references someone with the same name as mine but actually has no relevance to me. I do n't live nor have I ever lived in XXXX, I have no criminal record and I have no relationship to the people in this article. I am recently retired, an XXXX, and a graduate of an XXXX XXXX University with no criminal record, not a XXXX as they seem to imply. 
After receiving the last letter from Chase, I called the person who had sent the letter ( XXXX XXXX ) four times over three days before getting a return call. He said that he would have the issue reviewed and get back to me within two days. It took five business days and an additional three call from me before he called and said that " they '' had decided not to change their decision. 
It 's obvious that Chase made no effort to verify their information and is perfectly willing to smear my reputation and hurt my credit rating based on inaccurate/false information and shoddy research on their part. 
I have several questions : Did Chase cancel the credit cards of everyone with my name? 
If the report had the name XXXX XXXX in it would they have canceled the credit card of everyone with that name? 
Why did they decide to cancel the account after two years? Is it because I always pay on time and they never collect any interest? 
It 's shameful that they feel free to impugn my character and integrity in the name of maintaining their reputation and hurt my credit rating in the process.. How can someone with a good credit rating and no criminal record possibly hurt the reputation of a company like Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: i filed a complaint with equifax credit bureau through a certified letter and they signed for on  XXXX   XXXX ,2017. They never disputed my complaint on my  XXXX  credit report but on my  XXXX   2017  credit report they put it back on my credit report. This is dishonest and unlawful they are breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Payday loan, title loan, or personal loan (Personal line of credit) with RockLoans Holdings LLC (MI).
Issue: Getting a line of credit

Complaint: I filed out a personal loan application for $XXXX.  I completed all of the documents onXX/XX/XXXX.  At XXXX XXXX this morning I was given a call by XXXX XXXX telling me that my application was complete and all I needed to do was sign the promisary note before XXXX XXXX and I would have the money by XXXX XXXX.  I got off the phone and logged in to complete the requested document.  Upon me logging in and clicking continue I was given a denial letter.  I called back and asked them to explain how I went from approved and receiving the money by XXXX XXXX to being denied.  Nothing had changed in my credit report.  I was told well until you hit continue we don't really know if your approved until we run a hard credit report.  Then why is an employee on a recorded line telling me I was approved and would have money by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Debt collection (I do not know) with Convergent Resources, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am writing due to this agency, XXXX XXXX, showing up on my credit reports on XX/XX/XXXX & today XX/XX/XXXX. I have no knowledge of this account or debt and have never done any business with this  company. I am disputing that I owe them anything. This is reporting negatively on my credit profile as an open account and I would like it removed as it is reporting to the Credit Bureaus and negatively affecting me, an unfair. This information was also shared illegally without my informed consent. I would like this collection agency and any associated debt removed immediately due to it reporting to XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and possibly XXXX in the future, and it is negatively affecting my credit report. Thank you

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 12/13/2017 about Debt collection (Private student loan debt) with M. G. Credit, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: During the month XXXX I was contacted by XXXX XXXX company regarding an account I had with XXXX XXXX XXXX XXXX XXXX. It was a scholarship that was given while I attended college. I spoke with the original creditor to work out something and that was no avail. I also reached out the collection agency to gather information for the account. A letter was mailed from XXXX XXXX stating the amount I owed. On, XX/XX/XXXX a certified letter was sent to XXXX XXXX to validate the date and to cease contact. I had recieved calls from the collection agency everyday at least two-three times a day regarding this account. After the letter was sent I stopped answering their calls. Once XXXX received my validation letter they stopped contacting me via phone. However, validity of the debt information was not recieved within 30 days as I requested. I started to recived phone calls from the company starting XX/XX/XXXX and XX/XX/XXXX. The calls stopped. I requested validation regarding the debt and nothing was receieved. Today, I receievd an alert from myfico regarding a collections account that was added to my credit report. It was XXXX XXXX. I have not recieved the documents that were requested via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: With the Equifax breach I am trying to take precautions to protect my personal information from ruining my financial life. There is very little help on the XXXX or XXXX or Equifax site to guide you to a free credit report lock or fraud alerts. They want to charge you at every turn. This is disgusting. I never asked them to collect my financial data and certainly not allowed them to leak it. I feel every person needs a free way to monitor or be alerted to any breach on their personal information that affects their life and head off a disaster waiting to happen some day in the future. THIS NEEDS TO BE FREE.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX has been pursuing debt collection activity that they alleged was transferred from Bank of America, Loan XXXX. 

The loan XXXX transferred from Bank of America had a zero balance. 

On XXXX XXXX, XXXX, XXXX indicated the loan was past due and in default of {$80000.00}. 


On XXXX XXXX, XXXX, XXXX 's statement indicated the loan is {$100000.00}. 


Here 's a timeline of the controverting issues on the Loan XXXX XXXX is pursuing debt collection activity : 1. On XXXX XXXX, XXXX Defaulted loan in the amount of {$80000.00}, past due since XXXX XXXX 2. On XXXX XXXX, XXXX, XXXX sent me a letter stating they were abandoning the acceleration of the maturity of the indebtedness. 

3. On XXXX XXXX, XXXX, XXXX Mortgage Loan statement indicated there 's a balance past due of {$100000.00}. 

4. On XXXX XXXX, XXXX, XXXX reported the following to XXXX Bal. Due XXXX Amt past due XXXX Actual payment XXXX 5. On XXXX XXXX, XXXX, XXXX Credit Report indicated the following : 1. Account Status Closed 2. Payment Status Foreclosure proceeding started 3. Status update XXXX XXXX, XXXX 4. Past Due amount {$110000.00}

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 05/27/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (KY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Became XXXX and could n't repay. Due to a rule that a XXXX  person must have review date longer than 5 years on their case. Mine is 3 years. I 'm XXXX XXXX and receive XXXX payments from the federal government. If a person on XXXX XXXX and they have a XXXX XXXX or XXXX it should n't matter the review length.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt was disputed via email, all the proper documentation was provided explaining the incorrect debt. No response was given by the collector in the 30 day window.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (LA).
Issue: Loan servicing, payments, escrow account

Complaint: US Bank ( Bancorp ) refuses to pay for a homeowner 's insurance policy which is included in escrow as part of the mortgage payment. I have contacted US Bank no less than three times in an effort to resolve the lack of payment. Despite my previous requestes, US Bank still has not made the policy payment as requested. US Bank now claims I called them to request the distribution payment to my insurance company be stopped. My insurance company and I have been attempting to resolve this issue since the beginning of XXXX ( approximately 20 days ).

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 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: I had released California tax liens on my report. As a result of the National Consumer Assistance Plan, both XXXX and XXXX removed the liens in XX/XX/XXXX/XX/XX/XXXX due to lack of identifying information as required by NCAP.When I noticed that Transunion had not removed the liens, I initiated a dispute with them using their web site. They responded that the investigation was complete, and the liens were not removed. They did not claim the required identifying information was present, they just refused to remove the liens.It appears to me Transunion is in violation of the NCAP by refusing to remove these liens.

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 09-08-2017 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 Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. The Intruders accessed names, Social Security numbers, birth dates, addresses drivers license numbers, and credit card numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Since XXXX XXXX 2017, I have contacted Equifax, Inc about my inability to view copies of my Equifax Credit File using any service ( XXXX, XXXX, equifax.com or any other provider. Companies and financial institutions are also unable to pull copies of my credit file since XXXX XXXX 2017 in clear violation of the FCRA due to Equifax XXXX XXXX active on my account despite the fact that I canceled this service on XXXX XXXX 2017 and have requested this be fixed but my requests have been null. On XXXX XXXX I ordered the Equifax Credit monitoring solutions which allows daily pulls of my personal credit report. Since then, I have pulled daily copies due to ongoing credit disputes on inaccuracies I am working on fixing. This stopped working XXXX XXXX and has not worked since then. Equifax needs to fix their credit lock system and unlock my Equifax credit file and they also have to remove soft inquiries associated with their Equifax product because after a few pulls credit reports locks which violates their contractual agreement with consumers. They claim I am entitled to unlimited daily Equifax Reports with paid subscriptions but after a few pulls credit reports automatically lock and do n't provide reports after self pulls reach a limit. This is clearly a problem. As of today XX/XX/2017, companies, financial institutions and I can not pull a copy of my Equifax credit report and requests to fix this has gone unanswered. They did manage to fix this once on XX/XX/2017 but stopped working again XX/XX/2017. They have to fix this issue or i will not be able to open financial accounts due to Equifax lock and soft pull issues. I called support today XX/XX/2017 and XXXX XXXX still active despite multiple tickets and soft inquiries not removed.. No one including myself or lenders can pull my Equifax Report XXXX This is extremely concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I have a HELOC that is being serviced by DITECH. I am paying interest only payments right now and it is due to reset, ( pay principle and interest ) this year. When I ask DITECH what month will it start. 

I was told in XX/XX/2017 and most recently in XX/XX/2017. I asked for it in writing with payment amount and was told it could not be done because they did not know and it could n't be figured. I just " had to wait ''. 

I have friends whose bank gave them a written notice a year in advance. 

I would like my new payment information concerning the reset as soon as possible so I can plan accordingly. 
They know the principle balance due. I should be able to get an estimate and not be left in the dark until the last minute. I have heard of payments doubling and more. I do n't want to lose my home Is there anyone I can turn for help? I am afraid they are going to stick to me because this was ( is ) a predator loan bought from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I purchased my home XXXX of XXXX my loan was with XXXX. I started my Loan mod with them by XX/XX/XXXX. the loan got sold to B of A and the loan was sold to Ocwen loan servicing LLC . after all these years Ocwen is telling me that the investor who owns my loan ca n't do my loan mod. They simply tell me that they do n't have the program for my loan to do the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Robinson, Reagan and Young PLLC (WA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was contacted by the firm of Robinson , Reagan & Young ( RRY ) regarding a disputed debt with XXXX XXXX. In their letter dated XXXX XXXX, 2015 RRY indicated that they would not submit negative information to a credit reporting agency about this credit until after 30 days had expired. I was notified by a credit monitoring service that RRY filed a collection notice with XXXX on XXXX XXXX 2015 ; with XXXX on XXXX XXXX, 2015 ; and with XXXX on XXXX XXXX, 2015. RRY failed to follow the terms of their letter and provide me with 30 days to contact them before reporting to the credit reporting agencies.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In the Fall I had the following Hard Inquiries show up on my credit that did not occur : XXXX  - XX/XX/XXXX Transunion XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX I contacted XXXX and they said they would remove but never did ( might have been just their internal system ). Tried multiple times to contact XXXX  but could not reach anyone.

I need all 4 of these removed from my credit ( trying to refinance house this summer ). If I need to try and contact Transunion and XXXX separately please let me know.

Thanks, 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 non-monetary relief
Consumer complaint received 04/24/2017 about Debt collection (Mortgage debt) with ResidentCollect, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Mutiple dispute letters sent certified as well as the agency   XXXX    XXXX  and no returned mail with valid proof or documents to proof this collection is mine that I requested.

Company response to consumer: Closed with explanation