milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.

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 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: American Express and XXXX XXXX have multiple inquires on my account that I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/27/2018 about Payday loan, title loan, or personal loan (Payday loan) with Illinois Lending Corporation (WI).
Issue: Charged fees or interest you didn't expect

Complaint: In XXXX of XXXX ; Due to financial hardship, I took out a loan from Illinois Lending. The original loan amount was for {$600.00}. I felt suckered into refinancing with them, because they offered or promised lower payments. They neglected to tell me about the high interest that would be tacked. Due to health issues, I defaulted for the first time in XX/XX/XXXX. Despite my contacting them and trying to work out a payment arrangement, they immediately sold my account to a collection agency. The collection agency has been overly aggressive by sending a letter to my job and calling me 3 times a day, 6 days a week. I am to understand that despite me paying {$50.00} XX/XX/XXXX, my balance is approximately {$1300.00}. They refuse to drop the illegally added interest or work with me in any reasonable form.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Credit card () with CITIBANK, N.A. (OR).
Issue: Advertising and marketing

Complaint: Advertised with : NO FOREIGN TRANSACTION FEES XXXX On XXXX we were charged {$50.00} foreign transaction fee. 

The card is advertised with no foreign transaction fee. Card ending in XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/30/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I am behind on mortgage payments to PHH Mortgage. I am in the process of refinancing and requested that the company accept 2 months payments to avoid foreclosure. I have spoken with several agents via phone who refused to process anything less than 3 months worth of payments. In fact, they threatened to return such payments if they were sent. I have sent 2 months of payment ( XXXX x {$1400.00} = {$2800.00} ) in USPS money orders with the following serial numbers : XXXX and XXXX - for XXXX 2015 XXXX and XXXX - for XXXX 2015 These were sent via certified mail : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MS).
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: I had a dispute over {$490.00} charge and the cc company credited back to account and I have supporting data and letter to support this from the credit card company. Credit card company then rebilled same charge again on same day and billed me with interest and harassment calls 3 months later. The card was closed after credited the {$490.00} and yet the charge mysteriously appeared months later. 
Ive called twice, was transferred a minimum of 3 times, they still have no resolution and they claim they record all calls and Ive asked them to review their records of call made to me stating account is closed and all charges were at XXXX. I also reminded them of letter they sent me stating the credit and if they needed any other info from me theyd contact me. They never contacted me. They simply started billing me finance charges, and made phone calls to me on Sunday asking me for resolution to my bill. What a joke!

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I received a call today from XXXX at DITECH on Thursday, XXXX XXXX, 2016 that my XXXX XXXX, 2016 payment had not been received. I checked with my bank and verified that the automatic payment was sent and the funds were deducted from my account on XXXX XXXX, 2016 the same way that it had been done for years. I told XXXX that I could have my bank contact her. She suggested that I make the payment again while they " tried to find the original payment ''. I talked to her supervisor, XXXX XXXX, and he said that they would track the original payment and contact me within " XXXX hours ''. No one contacted me. So I called on, XXXX XXXX, 2016 at XXXX and they said that they would have to have XXXX call me back. I waited the entire day and she did not call. So at XXXX, I called for XXXX and I was curtly told to hold for her. I waited ten minutes with dead silence and no one responded. I called back at XXXX and the auto message said that there is no one there to help me. On XXXX XXXX, 2016 I spoke to a customer service supervisor, XXXX XXXX. He said that after they had changed all of the account numbers and that it was " a mess ''. But, he promised that my payment would be properly credited by XXXX XXXX, 2016. He also promised to reverse the late charge and to send me an email telling me what had happened. I checked on XXXX XXXX, 2016 and nothing had been done. On XXXX XXXX, 2016 I left a voice mail message for XXXX XXXX. No response. On XXXX XXXX, 2016 I left another voice mail message. No response. Today I received a call from XXXX in the collections department that my XXXX XXXX, 2016 payment was past due. I told her about everything that had happened. She said that she would check into it. Her contact number is XXXX XXXX XXXX. I have also received a collections letter and a statement indicating the past due amount and the late charge.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (DC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Account was settled on XXXX XXXX it was an account from XX/XX/XXXX and Lvnv reported the balance as a geliquent acct opened in XX/XX/XXXX it was reported on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: Dear CFPB, I have been trying fo r 4 1/2 years  To get Experian to removed   XXXX   XXXX   off of my credit report because of FRAUD.I was very successful in disputing and getting  XXXX   XXXX , and  XXXX  to remove that bank off my reports. I feel I am being treated Extremely unfair by Experian.Because of my Extended fraud alert for 7 years, it already takes weeks to get even  1 of my credi t reports, I received my Experian report on  XXXX   XXXX , I tried again to dispute  XXXX    XXXX   on  XXXX   XXXX @ XXXX  for 36 minutes. I talk to  XXXX  in the ( FRAUD DEPARTMENT ) and she said what  XXXX    XXXX   reported on my credit report was accurate I explain and explain my side of the story first she said she would place and state that  XXXX  reported inaccurate information then she changed her mind and said it was accurate and she could n't do anything at  all.Now I do n't know what to do I am very frustrated and upset I do n't understand why I ca n't get an y help with this issue from Experian, The bottom line is Experian has refused to help.

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 02/13/2018 about Debt collection (Medical debt) with AmeriCollect (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Around early FXX/XX/2018 I requested statements from the creditor to validate the debt which is inaccurately being reported and adversely effecting my credit score.  You notified me that 1.your agent XXXX didn't misrepresent herself and It was a misunderstanding and that you would 2. Mail the statements I requested in 5-7 days. Well I have received theses statements On  XX/XX/XXXX and attached copies for all to see the careless work you do. Yeah maybe it was just a misunderstanding or worse, maybe you just don't care and it doesn't matter. You didn't provide any evidence of the original signature to validate the debt, no one nothing no name address or phone number, in fact the second sheet of paper could have been pulled from a trash bin. You sent XXXX XXXX a XXXX old resident from Wisconsin medical record of some sort. How do you make a mistake like that? I'm not going to exhaust any more time with communicating with you all. Please do not call me or I will consider it harassment. Send all correspondence by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Attached is a copy of my ( 1 ) Social Security Card with correct name and my Drivers license with correct address ( 2 ) Divorce Decree ( 3 ) Copy of Experian Personal Information report Please correct my Personal Information Name field to reflect my correctly spelled legal name : XXXX XXXX ( only ) and the Addresses field has XXXX addresses listed that are incorrect. I have never lived at : 1. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX and the Addresses field has 2 duplicate addresses. Please delete address identification numbers : a ) XXXX ( XXXX XXXX-Residence type : Multifamily ) b ) XXXX ( XXXX XXXX XXXX XXXX Residence type : Multifamily ) Spouse or Co Applicant field : Remove XXXX ( attached divorce decree ) Telephone numbers : Delete XXXX ( my xhusands cell number ) Delete XXXX XXXX ( residential : I do not know this number )

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (TX).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint: Freezing my credit needs to be free. Credit monitoring is no longer an effective solution after the equifax breach.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Debt collection (I do not know) with ERC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: someone stole my identity and got a phone and its un fair this not me and i never had a phone with this company and i want it off my credit now, please removed this out my name.its a shame someone out here using my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is the second time I ask CFPB to intervene for the same issue ( see my past complaint XXXX ) and the fifth time I fight against XXXX XXXX for the same thing. Since XX/XX/XXXX, my credit report showed unauthorized XXXX XXXX XXXX hard inquiries : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. They have been removed after a long process and several mails and phone calls. Several fraud alerts have been activated during the entire process but the unauthorized inquiries never stopped. 
Today, checking my credit report on XXXX, I figured that on XXXX/XXXX/XXXX Equifax reported AGAIN a XXXX XXXX hard inquiry. I am really tired of doing this every time in fact is my intention to sue XXXX XXXX if, after this complaint, they will not fix the problem PERMANENTLY. 
Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (RI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: my daughter did not pay her loans in a timely manner. as a result the private loan company Navient came after me to pay the outstanding balance and be responsible for paying the XXXX loans that were due. they did not explain anything about the process only that according to them I had enough extra money to pay these loans which have interest rates of 9 % and 8 % and 9 %. I do not have the extra money and have repeatedly contacted them to find a way to either put them back on my daughther who I am sure would be able to get a financial hardship decision regarding her income. I have been trying to find some program to help me with this loan company who at the very beginning reported to XXXX credit company that XXXX loans were in default which in turned notified my bank who then froze my line of credit and I have not been able to resolve that issue either even though I have been making payments on the XXXX loans on auto pay. these loans came from XXXX XXXX and they sold them to Navient with very little notice. I always thought that XXXX XXXX was a government program not a private lender. Neither company has been willing to discuss any way to fix these payments in a way that I can afford to pay them. They total over {$350.00} a month all together. They are rude, and have not cleared up the default to my bank or the credit company. There should be some government agency that oversees these companies so that they can not continue this practice. I need some help with this illegal situation.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: These companies are deliberately giving consumers the run around. I consistently can not get access through either XXXX or TransUnion. XXXX seems to be the only one that works. XXXX literally makes you FAX information. I do n't have access to such outdated technology. XXXX does allow you to still submit disputes online, but when you actually try to submit the forms, it does nothing! No submit, no nothing. You just stare at the form some more. There are n't that many fields, I can see them all - none are empty. In addition the address field is n't actually long enough to put in my address - if they meant these things to actually work, you 'd think that would have come up before now. " XXXX '' is n't exactly the longest street name in the world. In my opinion, these forms are made deliberately inaccessible and unfunctioning so that people will simply give up. When is the last time you 've ever tried it out not using some dummy account they gave you for demo purposes? My report is so messed up that I probably wo n't be able to buy a starter home despite the fact that I have $ XXXX in the bank, and I can not easily fix it. If you want to know why the housing market is terrible, perhaps it 's because people like me have had their scores messed up by shoddy reporting, and perhaps do n't want to jump through hoops of fire using outdated technology and snail mail just to prove to some garbage in garbage out, soulless algorithm that we meet high standards, particularly when the credit reporting and website experiences do not meet the lowest possible standard - that is, they function. When you consider how much rides on these scores, it does n't give me a whole lot of confidence in the entire system. Not sure why I 'd really want to buy in at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: I recently checked my credit report and I notice there are a bunch of unauthorized credit inquiries made. My credit was illegally ran by XXXX XXXX XXXX in XXXX, IL. I did not give them permission to run my credit and while out for a test drive they ran it and sent it to finance places. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into these XXXX inquires to determine who requested this credit inquiry. The same day, XXXX XXXX in XXXX, IL did run my credit with my permission so those inquiries are correct. According to XXXX XXXX, before they ran my credit, they said I had XXXX inquiries from XXXX XXXX XXXX. If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this.

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 12-04-2017 about Debt collection (Other debt) with The Receivable Management Services Corporation (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeatedly called by Receivable Management Services ( of XXXX Ohio ) I have not been informed of any debt but keep getting calls from this company. Everyday since XXXX. The constant calls after I asked them to stop are affecting my job. I have yet to be notified in written form of any debt they claim is owed.

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 10-07-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XXXX XXXX, I sent Equifax a letter requesting that they correct errors on my credit report. Over thirty days have passed, and I have yet to receive a response of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Consumer Loan (Vehicle loan) with TMX Finance LLC (UT).
Issue: Problems when you are unable to pay

Complaint: I am receiving threatening calls and voicemail 's from the collector, sometimes three or four times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NC).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold checking account in XXXX 2015 with a XXXX Aadvantage miles offer attached and met all requirements. I was informed via chat with XXXX on XXXX XXXX that I had indeed met those requirements and points should post within 90 days. I am providing a copy of that chat. A follow-up phone call on XXXX XXXX with XXXX also confirmed that points should post by XXXX XXXX. Now Citi is refusing to award the points and charging me {$30.00} per month while we dispute this. My appeals were denied. The secured message ( SM ) on their website has not worked for me in weeks and despite my notifying them of this nothing has changed. I finally faxed a copy of the chat to them and have received no response. I have done all that I can to get Citi to honor their commitment and I hope that this agency can assist me in getting the bonus I earned and a refund on the monthly fee ( s ) that I am being charged while this drags out. 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 non-monetary relief