milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been alerted that my " ex-husband '' filed jointly or something that put a tax lien on my credit report. We have been divorced XXXX. I have not worked since XX/XX/XXXX due to being XXXX and recently have gone to my hearing for XXXX which looks like the outcome is going to be good but I 'm waiting on that letter still. After 3 yrs. this is a blessing to me, which explains the past three years of my credit rating going downhill drastically since I could n't pay any bills other then what my children could help me with. On that note it had to be the utmost needed necessities, like a roof over my head for XXXX example! 

He 's not married to me or anyone else that I know of! He only helped me with some bills since I have been XXXX and he told me he was going to file using me as a " dependent '' since he helped me for at least 6 months! I have had no income coming in other then my XXXX children paying the needed bills to survive here, which has put them in many binds. This is when he started helping out as well for about 6 months or so, BUT then his unemployment ran out and he went on food stamps & medical. He also stayed in this house frequently and uses this address still since he has no address yet of his own. He has n't changed it yet but he will now! After all the stress I have been through the past 3 yrs alone, now I see this on my credit rating I HAVE A TAX LIEN on my credit report that belongs to HIM! He should of never, NEVER put me on his taxes " JOINTLY ''. I need this removed ... this is not my debt! When I worked I filed my taxes every year! In the past, he went with out paying his taxes for about XXXX to XXXX yrs, I am not sure of the actual amount of years but I 'm positive it was a few years at least! This occurred approximately about that many years or so ago when he failed to file. Naturally they ( XXXX XXXX Federal & State caught up with him on this, but he has failed to keep up on the payments he had arraigned XXXX. Now I find out that he filed at some point " jointly '' with me and I have a Tax Lien on " my '' credit report!?!?! He does not live with me, he is not working again XXXX just lost another job ) due to his drug addiction, hence why he does n't come here anymore I will not have my stuff stolen either! I do n't know what to do here I am livid, Please I need some help here! 

Attached are XXXX screen shots of XXXX XXXX showing it is on my Transunion Report as well as my XXXX report so I have no doubt it 's on my XXXX too! Please please help me with this matter. I am also going to try to make some calls to the help tools provided on the XXXX page.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I read about the Equifax breach on the morning of XXXX/XXXX/XXXX, and decided to look into it to determine if my data was at risk. 
I visited the www.equifaxsecurity2017.com website, and thought it was interesting that it was a separate domain instead of a sub-domain of the equifax.com domain. I did additional research, and checked the XXXX records, which appeared to be anonymous ; I could n't find any information in the XXXX record indicating any affiliation to Equifax. I did a little more digging, and found a news article XXXX https : XXXX? XXXX ) indicating that the site was, in fact, set up by Equifax as a breach notification website. 
I submitted the information requested ( last name and last six digits of SSN ), and was told that my data may have been involved in the security breach. 
I 'm quite frankly concerned and bewildered at why it took Equifax so long to disclose the breach, and why I had to learn that my data was involved by stumbling upon an article rather than the company reaching out to me. 
I 've placed a fraud alert on my file through XXXX XXXX website, so I should have a 90-day window to detect and prevent any misuse of my data, but if my data is still out there, it could be floating around cyberspace forever.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (FL).
Issue: Managing the loan or lease

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that when I traded my car in, the company did not pay you in time.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Credit card () with SYNCHRONY FINANCIAL (CO).
Issue: Arbitration

Complaint: i was in need of dental work my credit is not that good so i was offered care credit they gave me the credit, but i only had 12 months to pay it off, every time i had more work done they did not extend the grace period it was added to the bill making it to expensive to pay off. they are crooks i called them they do not care

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 10-10-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Dear CPFB : A few months ago, I contacted both Navient and the Consumer Financial Protection Bureau regarding a sudden increase in my student loan payment instead of a payment adjusted to what I earn. I then spoke with a Navient representative, who said they would " forgive '' the month for which they charged a full payment and revise my monthly payment based on my current income. 

Even though I have continued making payments per our agreement, I continue to get notices and daily phone calls with the same recorded message ( sometimes several times a day ) telling me to call them ( which does no good because I just get the same recording ) or that my account is overdue. Last night, when I tried to make an online payment on my cell phone, I was unable to change the amounts from the higher amount, which I can not afford to pay, to the lower amounts, which we agreed I would pay for now based on my income. 

It seems to me that different branches of Navient are not communicating with one another. Would you please direct them to straighten out their records? 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Deposits and withdrawals

Complaint: My checking account with Capital One Bank was compromised in XX/XX/XXXX. I discovered there were fraudulent checks deposited through my mobile banking and then withdrawn. I contacted Capital One, filed a police report, signed an affidavit and my case was assigned to a fraud XXXX for Capital One. I spoke with her on a few occasions, sent all of the documentation to her. In following up, I was told that she could not contact or get any cooperation from the XXXX Dept and basically that because they took a loss, that I would have to take a loss for the money that I had in my account prior to the breach. Subsequently, I received XXXX calls from their collections department claiming that I owe them money for overdraft fees associated with my account. I explained to the agents both times that I had a fraud case, did not owe them any money and wanted to know who to get my money back. Each time they said, we will call you back and nothing. I then received a cancellation of debt XXXX for {$960.00} for XX/XX/XXXX. I have attempted several times to call the fraud XXXX and it goes straight to voicemail. I was treated as if I was the criminal and not the victim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   XXXX    XXXX   XXXX   XXXX    XXXX  VA  XXXX  #  XXXX  dob  XX/XX/XXXX     XXXX ,  XXXX  and Experian will not delete the unauthorized inquires on my credit.     The investigation has been over 60 days and still they have not been deleted.     the list of unauthorized inquires has been attached DELETED THE UNAUTHORIZED INQUIRES FROM MY 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 09/27/2017 about Debt collection (Medical debt) with Credit Management Services, Inc. (NE).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a letter from Credit Management in XXXX XXXX Ne, it was dated on XX/XX/XXXX and received the letter on XX/XX/XXXX, I called on XX/XX/XXXX to Credit Management requesting the documents of the statements of the charges happening sometime in XX/XX/XXXX and advised that I would like to have those sent to me so I could look and compare my bank statements and that the address and name is incorrect provided the correct information and then the rep gave me about 5 different dates and asked when did the credit management sent me out any information the listed off dates that they contacted me on phone but I never received any communication from them other that 1 year prior and called them and requested the same statements so I could verify the charges and if I paid them, I never received those the prior year, and the informed them how is that my fault when I never received the correspondents to review. I in the mean time contacted XXXX XXXX and they advised that they did n't have a outstanding balance and the XXXX hospital contact person never returned my phone call. I finally received the statements that I requested on XX/XX/XXXX with correct mailing address but incorrect last name, I was able to verify that the first charge that they were requesting was paid in full in XX/XX/XXXX by garnishment. the second charge was vague information and placed a call into the XXXX hospital and they returned a call today XX/XX/XXXX and that was verified that was not paid. made the payment to the Hospital and received a certified letter from Credit management today XX/XX/XXXX they placed a summons to my county court for that amount of both and explained that the first one is paid back in XX/XX/XXXX and the hospital was paid today and they stated to me that they will place a request in to XXXX XXXX to clarify and show payment and that the hospital one would need to be determined but I still owe them their attorney fees but I advised that the one was already satisfied and other paid and hospital did n't advised me to pay the credit management. and represented stated that its being submitted for review but filing fees was my responsibility. at no time or on the first statement they sent out did it give amount of time or on the documents that they sent out to me did it have you have xxx amount of days to pay the amount due or it will be pursued to court. Am I obligated to pay the court filings even tho 1 was already paid and never updated on their end and the second one was taken care of as soon as I received the information that I requested. oh this was all over XXXX which was safitifed back in XX/XX/XXXX and the other was XXXX and filing fees are XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I made a purchase in XXXX and XXXX of XXXX with My XXXX XXXX XXXX XXXX XXXX. I had been enrolled in auto pay so I thought nothing of this when I did not receive a statement for the purchases. I received a call from a credit agency in XXXX of XXXX linked to XXXX XXXX. I called XXXX XXXX directly and was informed that I had been charged numerous late fees. They are claiming that I was NOT enrolled in auto pay and that I had signed up for e-statements. After settling this matter with them and coming to an agreement on the amount owed and paying the balance owed in full I have come to find out they negatively reported ( account closed for non-payment ) to Equifax and other bureaus. This has dropped my credit score from XXXX to XXXX. Not only that but after settling this with them they sent me a PAPER notification in the mail on XXXX XXXX and XXXX stating they would be taking {$250.00}. 
This is deceptive. They did not send me ANY notice in the mail about needing payment. They did not call me directly when they clearly had my phone number and address on file. They unfairly charged me off and reported me. If they can send a paper notice for a payment they can certainly try to reach me for payment before charging me exorbitant fees and effecting my credit rating. 
Also, after settling this debt with them and my account had a XXXX balance they charged me ANOTHER late fee. When I called back they agreed to return XXXX {$19.00} late fees. They said the only thing they can do is put a credit on the account. THE ACCOUNT THEY CLOSED AND REPORTED NEGATIVELY. How am I supposed to get the money back from a CLOSED account??? 
There practices are abusive toward consumers. They made no effort to contact me before negatively impacting my life. To this date I have never received paper or electronic notification that my account would be closed and negatively reported. I only discovered this after checking my own credit report. Also, none of the customer service representatives that I spoke to mentioned this either.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I received letters dated XXXX XXXX from Wells Fargo bank notifying me the my accounts were going to be closed XXXX XXXX. 

All my account were closed at the bank,. This included 3 different business accounts, several personal checking and savings accounts for me, my wife, my mother and also a business credit card account. 

The only account that has been left untouched is my mortgage account. 

So far, despite several attempts, the bank has refused to disclose any reason for the closure,. 

I have operated these accounts way back when I initially opened them at XXXX XXXXk over 10 years ago, and these accounts were migrated from XXXX after Wells Fargo acquired them in XXXX. I have run these account with very healthy balances and operated them in good standing at all times so this really comes as a shock that the bank would treat me in this manner without providing any kind of explanation for their actions whatsoever.

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 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: OnXX/XX/XXXX I submitted correspondence by certified mail to XXXX XXXX because of suspected fraudulent activity by the bank. I have delivery confirmation from USPS that XXXX XXXX received the letter. They have refused to address my concerns by remaining silent and have continued to seek payment. I have revoked my signature on the application as a result of un-rebuttal about the matter concerning the fraud. Attached you will find an unsigned copy of the letter I submitted to XXXX XXXX on XX/XX/XXXX. Additionally I have submitted a sworn under oath, affidavit on XX/XX/XXXX with delivery confirmation and PROOF outlining the fraud and revocation of my signature from the original application as the law permits under fraudulent acts. XXXX XXXX has continued to remain silent about addressing the bank fraud. As a result this account is null and void. Further credit reporting is in violation of the Fair Credit Reporting Act and all parties responsible being Ally Financial and Experian, XXXX XXXX, and XXXX will risk a lawsuit with the state and federal courts for damages of this illegal activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I disputed this bill thru XXXX and XXXX closed and removed and then it was removed from my credit repot effective XX/XX/2017. I thought it was over then Afni picked up an bill that was closed by creditor in the amount of {$1100.00}. Afni then went to contact my entire family. My XXXX year old father. Threatening everyone stating they where from court systems and that an warrant was issued for my arrest. Then they went on to call me after going after my family called me a liar and I asked them to not contact me again.I consider this a defamation of character an would like to see Afni get what they deserve.. I just really want this off my report for good as agreed by XXXX. I wish I could sue Afni. The nerve of them to go back into old closed court records and tell my family I am a criminal while I have lead a productive career.

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 PENNYMAC LOAN SERVICES, LLC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My XXXX XXXX # XXXX is showing the wrong balance amount, currently late. I have never been late, it was last updated XXXX/XXXX/XXXX paid current and is also in a forbearance plan due to XXXX XXXX. It is drastically lowering my score.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a hard inquiry are on my files from the XXXX cable in XXXX XXXX XXXX I went to return there equipment like a box for the cable on XXXX/XXXX/2016 That is why I 'm writing to you guys any way can remove because I did n't apply for a cable I was going to return there cable but they pull my credit for it ...

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VT).
Issue: Application, originator, mortgage broker

Complaint: We are in the final stages of a 30 year fixed rate conventional mortgage underwriting final approval with Bank of America ( BofA ) for a home purchase. At origination on Mon, XXXX XXXX, 2016, we were given the option of whether or not to escrow property taxes and homeowner 's insurance as part of the application process. When we asked mortgage loan officer XXXX XXXX XXXX ( NMLS ID : XXXX ), " Does it matter? '' XXXX XXXX replied, " No, it can be done either way and you can always change your mind later. '' When we shared that on the current BofA mortgage for the home we would sell only real estate taxes were escrowed, XXXX XXXX stated, " Ok, I 'll just go ahead and set it up now for XXXX and we can revisit it later. '' Today, obviously later, concurrent with requesting the " binder '' for submitting to XXXX BofA and our attorney, we decided we did not want to escrow homeowner 's insurance and as such informed XXXX XXXX via e-mail. He replied via e-mail, " Please be advised that your change in escrows will results in additional points to your loan. Please confirm you still would like to do that. '' To which I replied via e-mail that I had read and re-read all of the forms and disclosures and could n't find any reference to said increase and asked where it was written and how much the additional points were. XXXX XXXX then replied, " It is not written but it was change pricing by XXXX points '' ( please note the quotes are cut and pasted directly from XXXX XXXX 's e-mails and not edited by me ) In a subsequent exchange of several e-mails I requested that given that increase was nevere disclosed it should be waived and requested such, XXXX XXXX wrote via e-mail, " The XXXX points will not be waived and we will proceed with the loan as currently configured ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Debt collection (I do not know) with Stellar Recovery, Inc. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX 2017 a collection for XXXX was placed on my credit profile by Stellar Recovery Inc and I have no idea who this Company is or where this debt came from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation