milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: after reviewing my credit report i saw that this creditor have leading and false information on my credit report, XXXX XXXX in the amount of {$10000.00},

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 07/13/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have had the unfortunate experience of having an account that was previously deleted from my credit file re-inserted in direct violation of the Fair Credit Reporting Act.  611 ( a ) ( 5 ) ( b ) ( i ) ( A ) " the information may no t be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate ''. The account was originally deleted with SYNDICATED OFFICE SYSTEMS, it was reinserted to my credit file without " certifying that the information is complete and accurate. I request the account be immediately and permanently deleted from my credit file as these violations of the FCRA are negatively affecting my ability to purchase a home. These are clear violations of the FCRA, I ask that my request for deletion be expedited. Thank you for your consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Completed online dispute with the credit reporting agencies on XXXX XXXX, 2017. Currently still showing the disputes are in progress to-date. Below are the accounts that are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX {$1600.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX {$100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On  XXXX / XXXX /17 I paid my balance down from {$3000.00} out of {$3500.00} credit limit, to {$410.00} out of {$3500.00} ( a {$2400.00} payment ). In addition, I paid an additional {$7000.00} to bring my balance down on my other   XXXX   revolving credit cards. Therefore, bringing the credit utilization % on my credit report down from 65 % to 8 %. However as soon as I paid the {$2400.00} on my Citi card Citi immediately dropped my credit limit from {$3500.00} to {$500.00}. The {$3000.00} drop from Citi in my credit limit now hurts my credit utilization % on my credit score. This is an unfair act that hurt my credit score and will hurt the mortgage rate I want to get for a 30 year mortgage loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: There is an address on my credit report that I have never lived at that the credit bureaus will not dispute or allow a dispute of. I am demanding this address be removed from my credit report as the credit bureaus are in violation of the Fair Credit Reporting Act : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY 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 09/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being told that I had a home phone through att and that the bill was paid religiously on time every month. well for one if the bill was paid every month how is there a amount owed. and how do i have a bill when i never had att. I have had cell phones for the better part of 10 years through XXXX and the only home phone i ever had was through XXXX. also on my credit it states that the account is closed but another area says it is open. I want this off my account asap.

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 02-02-2017 about Credit card () with WELLS FARGO & COMPANY (CO).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I recently noticed fraudulent charges on my credit card and imediately
reported it to Wels Fargo, whom I bank with. I have subsequently canceled
and had a new credit card submited to me. Here is the old credit card
numberXXXX. This card was used for online subscriptions of
some type. I have a spread shet with the dates and the amounts. Threcompanies, XXXX, XXXX and XXXX. They have
puled for a total of $XXXX.
Al 3 of these companies apear to be the exact same company when I
researched them. I do have a spreadshet of al of the dates and the amounts
that each company puled from me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Payday loan () with High Point Asset Inc (WI).
Issue: Can't contact lender

Complaint: I get calls from this number threating me. The FbI and State of Wisconsin said this is a scam call. I want them to stop. The phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with SECURITY CREDIT SYSTEMS INC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was attending XXXX XXXX University XX/XX/XXXX - XX/XX/XXXX, during that time I both received financial aid, as well as paid a portion out of pocket. Once I finished the term, I did not wish to return taking classes there. It was to my knowledge that I left in good standing, however, I later on received a notice in the mail saying I had an account that had been sent to collections from XXXX. When I called it was still very unclear why I had a balance because I was awarded the federal pell grant through financial aid for all terms that I attended. I never received documentation that I had a balance prior to the letter about sending my account to collections. I did move to a different apartment complex and did n't think to make XXXX aware because I was no longer attending classes there and was not notified I had an outstanding balance. When I called they told me I had a balance of {$630.00} and that now I had to wait for the collections agency to contact me. I later checked my credit report and XXXX report {$820.00} which is a different amount. I would like this to be deleted from my credit report one way or another.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Problems caused by my funds being low

Complaint: I did not opt into any plan and have the transaction immediately rejected by the merchant if the account lacks sufficient funds. This is the default setting when a bank account is opened, and no fee is incurred by a rejection of the transaction. 

I was charged {$120.00} this month for a {$2.00} overcharge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Constar Financial Services, LLC (SC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX Transaction : Thru XXXX. {$1200.00}. 
Item ( military XXXX & XXXX ) was sold on XXXX and payment received from XXXX. 
The purchaser then had buyers remorse and requested a REFUND. 
The buyer them shipped the item back without a proper XXXX # when XXXX arrived with the Package IT WAS XXXX LB 's lighter that original package that I shipped. ( XXXX was kept? ) So the package was refused. XXXX and XXXX have both put my account on hold. I have done {$60000.00} in business with them in the last 15 years? Have these people lost their MINDS? I 'm told this is a XXXX scam and they had a class action law suit against them in 2004 that they settled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 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: Hello, I have seen some credit inquiries reported by XXXX and XXXX XXXX  on my credit report. I have sent both companies letter to get the inquiries removed, never heard any response from neither.

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 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I put in a dispute with experian to update my personal information and delete my old address and their are to address that have have accounts that are part of them and they are refriguing to remove those two addresses.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: While my loan was with XXXX XXXX I received information that if all payments were made timely, several months of payments would be forgiven. After uploading several documents to the Navient site and having multiple phone calls with them, I was told the program did not apply to my loan anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX XXXX XXXX XXXX, TX XXXX  Equifax XXXX XXXX XXXX XXXX, GA XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.
The following inquiries are related to none of the aforementioned permissible purposes.
XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry fromXX/XX/XXXX, XXXX XXXX  Inquiry fromXX/XX/XXXX, XXXX XXXX-fla Inquiry from XX/XX/XXXXPlease remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: My deceased mother had a reverse mortgage on her home and upon her death the contract required the home to be sold. As the her son and the Executor of her estate I listed the property with a XXXX in XX/XX/XXXX and the listing could be seen and verified through the XXXX service and seen on XXXX. Since XX/XX/XXXX there has been a qualified buyer for the property, all documents, procedures and financing has been submitted. The home was approved for a Short Sale by R.M.S ... ..Reverse Mortgage Solutions, the company servicing the reverse mortgage based on the current appraisal amount and current market value of the property. As of XX/XX/XXXX there has been an issue with the way RMS is handling the procedure with the pending sale. They have stopped communicating as they were with the Realtors for both the buyer and seller, the assigned representative that we were in touch with no longer responds to emails or returns calls. I have not been able to speak with anyone directly by phone and when I call the toll free customer service number and ask to speak to someone about the status of the case, the call is transferred to a recording that states the person you are trying to reach is unavailable, leave your name and account number and someone will return your call. This is what is occurring at the same time the buyer has submitted everything required and is ready to complete the purchase of the home. 

The second issue is with the letter I received dated XX/XX/XXXX from a local Attorney 's office stating that R.M.S. has filed a " Notice Of Acceleration and Foreclosure '' on the property and the Foreclosure sale is scheduled for XX/XX/XXXX. It now seems that R.M.S has lead me, the Realtors and buyer on that the sale was in process and a closing date upcoming, when in fact they were in the process of foreclosing on the property and simply stalling by not communicating.

Company response to consumer: Closed
Consumer complaint received 04-12-2016 about Debt collection (I do not know) with R J Baucum Enterprises, Inc. (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I have received XXXX voicemails from this company. In XXXX calls, they impersonated an attorney and law enforcement and also indicated that I had committed a crime. They said that the person calling me was an " arbitrator '' and that I had been named " a person of interest in an ongoing investigation. '' The caller also stated XXXX times that my " recorded verbal testimony '' was required in order for the investigation to proceed. In XXXX call, I was also told that if I did not respond soon, the investigation would go on without my input. I would also like to state that the caller has never identified for whom they are calling. If they are calling for me, I do not have any accounts in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (WA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the amount of {$120.00} was withdrawn from my Chase checking account using my debit card information. The total of the three transactions is {$370.00}. The transactions were paid via XXXX to three different people for Professional Services. I contacted the bank on XX/XX/XXXX to report the transactions as being fraudulent. The bank let me know on XX/XX/XXXX that the charges did not require any correction and they would let them go through the bank. I contacted XXXX and discovered an account in my name, but with an email address I am not associated with, was used to complete the transactions. The account was put on hold. I have been in contact with both XXXX and with Chase on multiple occasions to try and resolve this. They have each said it was the other 's responsibility to refund the money to me. They acknowledge the XXXX account was illegitimate. Today XX/XX/XXXX, I had a conference call with both of them. There is nothing they can do. They suggested I contact the recipients of the money to see if I could get a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: TODAY XX/XX/XXXX WHILE GOING OVER MY CREDIT REPORT I SAW SEVERAL ACCOUNTS A ADDRESSES ON MY XXXX XXXX, XXXX  AND EQUIFAX REPORT THAT DO NOT BELONG TO ME. MY DATE OF BIRTH WAS WRONG AS WELL. THERE WAS SEVERAL PHONE NUMBERS LISTED THAT DO NOT BELONG TO ME. THERE WAS ACCOUNTS WITH THESE COMPANIES NEVER DONE BUSINESS WITH THESE ORGANIZATIONS.XXXX XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX # XXXX****, XXXX XXXX # XXXX****. I AM UNABLE TO RENT OR BUY A HOME NOW WITH THESE UNRECOGNIZED ACCOUNTS ON MY CREDIT REPORTS. 
MY CURRENT AND ONLY ADRESS IS XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I filed a chapter  XXXX  bankcruptcy on  XXXX     2015 and   XXXX  still showing in my credit report    XXXX   ac count late, I only hav e  XXXX  new  account, I though that when someone do a bankruptcy it going to be in the credit report but no as late, i send  XXXX  a letter and the Bankruptcy Discharge certificate in  XXXX  and they did not do anything. Can you please help me with this issue. Thanks

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 09/30/2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I ( co-borrower ) am currently applying for a modification with Bayview Loan Servicing. My file was under review, until I was notified by the underwriter that I must remove the primary borrower ( quit claim deed ) in order to proceed with my modification request. This to me seems to be unethical, that in order to continue the review for a modification my wife must relinquish her rights to the property per the hardship. 
Our current hardship is that we have legally separated. We both agreed to work on resolving the mortgage issue as we are both responsible for the loan. We have provided proof to our servicer that my wife ( borrower ) is not contributing to the household income. Yet this did not satisfy the servicer. 
The servicer is now requesting the removal of my wife from title, through a quit claim deed, so that my file remains under review. Please help us to determine if in fact this is truly a requirement for a modification review.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: for the past three months Ditech Financial has added a late fee to my mortgage payment. The payments were done through my banks online bill pay option which I have been doing for years w no issues. My Financial Institute shows that Ditech has received the payments prior to the later fee date each month, yet the payment is n't being process until after the XXXX to which I am being assessed a late fee for. I even went as far as having the representative annotate in my account file that my financial institute was showing that they had recieved my payment on the day i was speaking w them for the month of XXXX which was XXXX XXXX.

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 07/23/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit card protection / Debt protection

Complaint: Over the past year I have been charged a monthly fee on my credit card for a service that I did not agree too. I was told It would be refunded back to me however it did not. When I would call to resolve the issue I was hung up on XXXX seperate times and ignored. This was a debt protection fee that turned out to be a scam.

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 04/25/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (NJ).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: My student loan is with Sallie Mae. I have made several payments on this private loan. But, recently I have not been able to make payments due to unemployment and family changes. Now, Sallie Mae is harrasing mu family memebers, immediate and other relatives. It is a total disaster. My federal loan is under forebearance because I will go XXXX in XXXX 2016. But Sallie Mae, will not negotiate for such terms. I have written to them, called them, no success. I would appreciate any input and help. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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 HAVE SENT IN CERTIFIED MAIL AS WELL AS NOTARIED DOCUMENTS IN REGARDS TO THESE FRAUDULANT ACCOUNTS AND HAVE BEEN IGNORED OVER AND OVER I HAVE SENT A AFFADAVIT FOR IDENTITY THIEF

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