milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I would like a written authorized signature stating I authorized these inquiries if they can not provide the documentation I would like it removed immediately

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 12-02-2017 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: Problem with personal statement of dispute

Complaint: There are hard inquires which I did not authorize. 
I requested investigation, but they never started investigation. 
Want to finally fix this error

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 11-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX XXXX XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX ; or share my credit report with XXXX XXXX XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Debt collection (I do not know) with ERC (OH).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I do not owe any debt, and the collection company does not allege that I owe a debt. This debt collection company contacted me looking for someone else, and in doing so, disclosed that the other person owes a debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 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: Account status incorrect

Complaint: In the middle of dispute with XXXX XXXX XXXX regarding unethical business practices with CFPB. They did not care to resolve-they disputed that the AUTHORIZED LOAN HOLDERS are not authorized parties so the CFPB closed my dispute. XXXX did not like the response in regards to nickle and diming fees from customers so they responded to myself and my husband ( who are both signers on the loan they provided us ) are now unauthorized 3rd party. We are unauthorized, but they take our payments monthly. Do not trust XXXX XXXX XXXX. Will not happen I am sure, but want it known that this company does not practice business ethically. I have offered to take half the responsibility for not checking that their payments that I am making are coming out of the right account, because I used to trust XXXX would have told me by mail or better yet maybe on one of the multiple occassion 's that I have spoken to a representative at their company since. No one told me that my old account number was still saved and that they can not update my new bank information for me. The over seas customer service reps are not trained adequately, so they took my payment, but never told me of returned payments that I made because my bank account was never changed, nor updated on my profile. That is why I called them, I will take half the responsibility for trusting XXXX would have done the right thing and let me know, but I should have know they are a corporation and would keep charging me fees instead of doing the right thing and letting me us know. This has been going on since XX/2016! No one told me that when I gave them the new bank info that it would not save. I expressed the fact that I could not login and had to change my bank info, yet none of the overseas reps could understand that and just took my payment without stating that they could not save this info. I honestly do not care any longer if they remove the negative mark or not. Just want other consumers to know how XXXX runs their business.

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 08-01-2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 08/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I attempted to obtain my free annual credit report online from Transunion but was notified that it was unavailable. It stated that I could fill out a form and mail it in to receive my credit report and so I did. I then received a letter from Transunion stating that they could not locate my credit report but I could provide them with proof of my identity, address, etc. and they would attempt to find my report. So, I mailed them copies of my drivers license, utility bill, social security card and birth certificate. Finally, they have sent me my report. Not only have they made me jump through numerous hoops and send them highly sensitive information which if it fell into the wrong hands would make my identity very easy to steal, they have provided information to my credit card company ( XXXX ) that has resulted in my FICO score to drop XXXX points when I access it through XXXX. However, I have no negative information on my credit to explain this massive drop in my FICO score. In fact, I have accessed my FICO score through my other credit card company ( XXXX ) and it shows no such drop in my score ( they rely on XXXX to access my information ). I feel that I have been unfairly treated by both Transunion and XXXX in that my FICO credit score has been adversely affected through no fault of my own.

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 01/27/2017 about Debt collection (I do not know) with Bronstein & Weiss Arbitration (AL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Contacted me and family members who were not included on any debt, no debtor given or nature of call, would not send physical mail to us.

Company response to consumer: Untimely response
Consumer complaint received 03/24/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I was told the {$77.00} interest charge for XX/XX/2018 would be credited back to me and I am getting the run a round. First, JCP.com charged me for 2 couches I did not get. Then it took them over 2 and 1/2 months to correct. The entire time, these charges were on my credit card. I was offered interest charge rebates for this and I accepted and then they refuse to live up to this promise.

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 05-01-2015 about Debt collection (I do not know) with Parker & Associates (SC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Call from XXXX asking for address to serve papers. Told me she hired by XXXX and XXXX At XXXX number is listed as unknown. Threatening court action if I do n't pay. Wo n't tell me anything about what this is about. I no what bills I have I am not behind. Stop threatening me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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 demand that Equifax not be allowed to mock the CFPB 's authority and victimize me by ignoring my rights. Equifax, has sent me a letter stating that they will not do an investigation. The bankruptcy adds a hardship and my rights were violated by Equifax. I ask for the CFPB 's to help make Equifax, stop victimizing me.The bankruptcy listed on my credit report does n't even have MY address!!! The bankruptcy address is listed as a XXXX, Ga address. I 've never lived in XXXX, Ga!!!!! Also the bankruptcy is listed as " Joint ''. Who is the other party listed???? How could they have verified or more importantly validated any and all information???

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Credit card () with Continental Finance Company, LLC (MA).
Issue: Delinquent account

Complaint: Harassing collections practices. They 're contacting family members and someone claiming to be a locator is stating that they will come to my house to collect and my place of employment. I 've expressed my desire that all collection attempts be handled via mail and in writing and they 've refused.

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 02-04-2016 about Student loan (Non-federal student loan) with AES/PHEAA (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have almost XXXX dollars in private student loans serviced through servicer AES and lender XXXX. I make {$15.00} an hour currently. The standard payment they wanted me to pay was around {$860.00} a month. I can not afford that monthly payment indefinitely so I applied for their modified repayment plan XX/XX/XXXX. They wanted my XXXX most recent pay stubs so I sent them to them. I receive some correspondence some 10 business days later that they need my pay stubs again. I begrudgingly sent them more pay stubs and awaited a reply that was made ever longer by the holidays taking away business days from the month. I called a few times in between then and now to see what the deal was and was basically given the run around. XX/XX/XXXX I was told that we were just waiting on XXXX to approve or deny my application so I waited. In the meantime I had to pay the standard payment of XXXX and did so by borrowing money from my family. I have done this for the months of XX/XX/XXXX, XX/XX/XXXX, and what will now soon be XX/XX/XXXX. How many more months will I have to keep this up? I called again at the beginning of XXXX and was told that the application was only just sent to XXXX on XXXX XXXX XXXX. Previously, I was told that XXXX had already received my application. That was clearly either an outright lie or a skillful misdirection. I just have no hope for this process. Applying for IBR for my federal loans was a piece of cake and quick. At least my federal loan servicer ( XXXX XXXX ) applied a forbearance on my account while the application was in process. I went to the University of XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (GA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: This complaint is against Ally Financial. I have been paying extra money with my monthly payments. I was told to call them and tell them what I want the extra money applied to. For the past two months I have been calling ally and I can not get anyone on the phone who understands English. When I ask to be transferred to an american representative, They either end the call or just refuse to transfer the call. I called ally bank several times last week. The representatives call the call center and could not get an american representative on the phone. This is affecting my credit as I am continuing to incur late charges. I would like to speak with an american representative so this problem can be solved. Thanks in advance for your cooperation. 

Sincerely, 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 explanation
Consumer complaint received 09/14/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: I 'm on the 2nd step with keep your home california, i finished the 1st step, interview process on XX/XX/17. A fraud foreclosure letter was already created by the DA on XX/XX/17 as well, which I received today. I 'm sending my required documents to keep your home California very soon. I need to make sure I still have my home while in the process. Are n't I protected under foreclosure protection act??? XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: I filed a complaint with the CFPB about 2 years ago against JP Morgan Chase over a fraud case. My debt card was stolen and someone bought XXXX XXXX XXXX dollar gift cards from XXXX XXXX. Chase said I was responsible for the {$1700.00} because I committed the fraud because it was my signature, but they would not send me a picture of my signature, and I had a train ticket from a different city at the exact time of the XXXX XXXX {$1700.00} purchase. The CFPB believed my version of the story ... .due to the proof I supplied. IE. the train ticket .... and told Chase that they have to cover the {$1700.00} loss. Two years later Chase has engaged in retaliatory tactics against me. They told me that they did not want to do business with me and canceled my checking account. They then mailed the money in it about {$300.00} to my stepdad. They say that I owe them {$260.00} in late fees for a safety deposit box I have never heard of or paid for, and they say it has been on my profile for 6 years ... .so I owe back fees for those years as well. - now all of a sudden although I have never had any fees for it before. They send certified checks saying they are going to sue me over this saftey deposit box I have never seen or wanted. Again I do not know what they are talking about never wanted a safety deposit box and have never used a safety deposit box. I believe whoever decided to close my account added these fees and services to cause me issues, or as a punishment for the CFPB 's last decision that Chase needed to cover the {$1700.00} and not myself.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Reliant Capital Solutions, LLC ().
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I owed XXXX University {$5600.00} which I was unable to pay due to my financial situation. 
They sent it to debt collection - reliantcapitalsolutions. 
And now the debt collector wants {$7500.00}. 

I told their representative that I am willing to settle the entire amount that I owe XXXX University and add {$100.00} for their service. They cut their fee in half and are asking me to pay {$6400.00} I did not agree for the new approved amount and think their fee is unfair, subjective and unethical.

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 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Global Payments Check Services, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I pulled my credit report and noticed that  XXXX   XXXX   XXXX  are reporting negative information to the reporting agencies. This company is not licensed and bonded to do business in the state of Texas and should be removed immediately from my credit files with the credit bureaus. I have contacted them with no resolution. I am requesting this information be deleted immediately due to affecting my credit.

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 11-10-2017 about Vehicle loan or lease (Loan) with SUNTRUST BANKS, INC. (MN).
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint: Suntrust Bank - XXXX continues to lie to the CFPB and myself. I will attach my Credit Score from XXXX, as you will see it has not dipped below the XXXX mark and on XXXX XXXX, 2017, the date of their inquiry it was approx XXXX, not a score of XXXX as they claimed to the CFPB and myself. They flat out lied. Furthermore their basis of rejection was I believe in violation of discrimination on my discharged Ch XXXX, again they claimed I was still active in this, I was discharged, case is closed.

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 01/15/2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Taking out the loan or lease

Complaint: I got into a collision with my brand new 2 months XXXX XXXX. My XXXX XXXX insurance called the car being totaled so they were getting information with XXXX XXXX for the payoff amount. Since it was only 2 months old, I understood that the car was upside down, so I would need to come up with some money to settle the whole thing, which was also what XXXX XXXX Claim adjuster said to me as well. I thought since I was getting another Toyota, I could negotiate that part when I get the new car. However, a few days later, my Claim adjuster came back and said good new, Toyota accepted their pay off amount and I was actually going to get a little money back even after XXXX XXXX taking my deductible. I was happy, signed the paper work with XXXX XXXX, got the check and I went and leased another Toyota Prius, because I needed a car. Almost 1 month later, I received a letter from Toyota Finance saying that I owe them money because the settlement was not enough to pay off my lease. And they were going to charge off that amount and report to the credit reporting agencies. I talked to XXXX XXXX, and they gave me the letter that Toyota Finance accepting the settlement. XXXX XXXX said that Toyota should not go after me for the difference, since they already settled the account and released the title. I talked to Toyota Finance, but they still demanded the money or they would report me. I knew about the difference, and was going to negotiate it with Toyota when I was going to get the XXXX Prius. But since they told XXXX XXXX that they accepted it, and XXXX XXXX even thought the whole thing was closed, and wrote me a check, I did not negotiate that part of the difference when I leased a new car. What Toyota did, accepting first and went after me later, took away my chance of negotiating, which was really unfair. Now the fact that they are demanding the difference in full with no opportunity for me to ask for a discount or payment plan is really predatory practice. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: Long term customer of Citibank ( 10 years + ) - platinum visa card. Perfect pay history with Citibank and all other creditors.

Citibank misapplied one payment ( as I had made it 3 weeks early - they erroneously applied the payment to the previous month ).

Once I contacted Citibank they fixed the error and properly re-applied the payment and reversed the late fee.

However several months later when I applied for a second VISA card - they turned me down citing a recent late payment - I explained that this was their error. They acknowledged this from notes in their system yet refused to grant further credit or reverse the credit inquiry or give me assurance that their error was not reported to the credit repositories.

I would like Citibank to reverse the credit inquiry and update the repositories that there was no late payment.

I highly value my credit rating, which is perfect and I do not want Citibank ; s error to blemish this perfect record. Thank you XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, 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 09/16/2016 about Payday loan () with Big Picture Loans, LLC (OK).
Issue: Charged fees or interest I didn't expect

Complaint: Changing the payment to {$170.00} from {$150.00} and the payoff is & XXXX ( more than the original loan of {$600.00} ) after 4 payments.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Mortgage (Other mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I made the final payment on my mobile home in XXXX 2015, but the loan company, Ditech, claims I still owe {$13000.00}. They say my account is seriously past due and if I do n't send the money, I may be facing legal action.

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