milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/19/2017 about Debt collection (Other debt) with Blakely-Witt and Associates, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Knowledge of the final debt from the Apartment complex was received through a credit monitoring vendor. I never received written communication from the apartment management company stating this was the final debt. In addition, this file was provide d to BLAKELY-WITT & ASSOC INC i n  XXXX   2017  and I received NO notification and opportunity to dispute or validate this debt. As a matter of fact, I have yet to receive a written statement or written notice. The entry in my credit report should be removed and the process should start again. I will dispute the charges from the original creditor  XXXX  of  XXXX   XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
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: There has been several disputes submitted online and written to have inquiries removed, resulting in nothing being removed and Transunion stating they have been verified. i would like to be provided with the proof of verification as I do not recall authorizing these hard inquiries on my credit report. Under the Fair Credit Reporting Act, noone can request my credit reports without my permission. I would like to be shown proof that I in fact authorized these inquiries, or please remove from my credit files.

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 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I do not own this debt.This vehicle was stolen  XXXX    XXXX  . Police Report #  XXXX . The car was never recovered. I filed a loss through my insurance company, which was a paid valid insurance policy.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  needs to contact the insurance company to discuss payment of the vehicle balance. I am requesting full valid proof of this debt. Along with the person 's name, position and number who physically validates this debt and as to why  XXXX   XXXX   XXXX  refuses to go after the correct owner of this debt. If  XXXX   XXXX   XXXX  can not properly and accurately provide with the proof, I request that this debt that I do not owe be removed

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 05/30/2016 about Student loan (Non-federal student loan) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: HESAA loan there are really no repayment options except defaulting everything else no one really qualifies for if you can even get any info on it this loan was represented to me as a government loan not a private lender to make matters as bad as can be the website is almost impossible to even enter- i have to try at least a dozen times before i can even get to the login page. making a timely payment becomes impossible unless you have a few hours to devote to trying. there is no way to get billing notifications either through email or snail mail until you are late, then you get tons of them. is it really so much to ask for automated electronic billing? at the percentage they are collecting?

Company public response: Company believes it acted appropriately as authorized by contract or law
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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: After contacting transunion regarding an inaccurate address they refused to remove from my credit report. They are reporting a address that I DO NOT RESIDE at. I have asked that they remove this inaccurate outdated information from my credit report as I do not authorize them to report any address but the address I have submitted on my drivers license.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/29/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (HI).
Issue: Other

Complaint: I applied for a loan on XX/XX/XXXX, with my credit union. When I asked for status I was told I was denied partly due to a " Charged Off '' account. My credit union had used XXXX as their credit reporting agency for my score and also my credit history. On XX/XX/XXXX I had received confirmation from XXXX that my credit information had been updated on this matter. My account in question had been paid in full, I did not take a settlement offer and paid the whole amount that was due on the account. When I had checked the other XXXX credit reporting sites this information had not been updated on my account. Upon reading information on XXXX website I found this statement, " If information in your credit report is changed by your lender as a result of a dispute, federal law requires the lender to notify any other consumer reporting company to which it reported the information. So if it is reported on all XXXX credit reports, it should be updated on all XXXX credit reports ''. Because this was not done, As of today XX/XX/XXXX have initiated disputes with XXXX and XXXX. Therefore, by submitting this complaint I have high hopes that this issue will be resolved so that other consumers will not have to go through this same situation.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Seattle Service Bureau, Inc (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I settled my XXXX derogatory hits on my credit report. The original debt is the company XXXX XXXX. The debt collector that I paid was The National Service Bureau. I originally called to pay on XXXX XXXX, 2016 in the amount of {$880.00}. to close my debt. They told me that it would take about XXXX60 days for it to reflect on my credit report as closed. They also said that they would mail me a receipt of payment and a verification that the balance of {$0.00}. I never received a receipt and also it was still showing on my credit report. I called and I spoke to a lady that emailed me the receipt on XXXX XXXX, 2016. The receipt only shows the amount of {$440.00}. I look at my credit report it shows that I still owe money when in fact it has been paid and should be closed. This has been affecting my credit score for a little over a year after it has been paid fully.

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

Complaint: My personal information ( DOB, SS #, address, credit info ) was compromised by Equifax, leaving me a likely target for identity theft. First issue of complaint is that I was not notified but instead had to research how to protect myself based on a news story! I went to a website that asked for more personal info to see if I had been impacted by this breach. I had. I was not given any guidance about what to do to protect myself. I was not offered any solution. I was forced to search myself for options, all of which will cost me time and money and a lifetime of watching every transaction, every attempt at using my credit report, every attempt at using my personal information and may still result in financial harm to me if something gets through. This is not my line of work. Equifax is responsible and they should make it right, as much as it is possible to do.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Attorney XXXX, XXXX, XXXX XXXX representing XXXX XXXX XXXX/BSI Financial Services has file a Servicemen Civil Relief Act Complaint to proceed to the foreclosure sale of my home located at XXXX XXXX XXXX, XXXX, MA XXXX. The entity does not have the right to foreclose on my property. In a letter sent to the company in XXXX 2015 at BSI Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX I requested the company to provide evidence that the company has a lawful and rightful claim against my home. No answers were provided. The company 's action violates consumer finance protection laws that the Bureau was created for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: One Main Financial has been contacting my phone XXXX times a day regarding a installment loan I have them - however I have enrolled in a debt settlement program who has my signed authorization to speak on my behalf. Yet, One Main Financial continues to call me - rather then reach out to the debt settlement company. 

Additionally, they contacted my place of employment today ( XXXX/XXXX/15 ) in XXXX - which I had previously advised them not to contact me there. I work remotely from home in XXXX, so my cell number is the best contact to reach me - contacting my office does not help as they merely take a message and have to email that I received a call from the said creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: To Whom It May Concern, Thank you for taking the time to review my file and to help me with this matter of dealing with Midland Funding LLCt. To date, Midland has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year Midland has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove Midland Funding LLC from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having Midland Funding LLC removed from my credit file. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: APR or interest rate

Complaint: Citi XXXX XXXX XXXX did not record automated payment sent electronically from my bank checking account to the card company. Credit card company sent me an email past due notice, denied an automated bill pay from another company and placed a hold on charges. Calling customer service results in long hold times, disconnects and an unsatisfactory results. My bank records indicate the payment was sent and received. The card company will now bump my low rate to the default rate as well as charging a late fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I seek assistance for Loan Modification from CITIMORTGAGE XXXX XXXX. I complied all the needed documents as they required. It 's been several months since they kept telling me that my file is pending review with underwriting. Yesterday XXXX/XXXX/XXXX, I received a letter from CITI that they sold my loan to XXXX XXXX XXXX & it will be taking over starting XXXX/XXXX/XXXX. CITIMORTGAGE has not given me any response or decision on my Loan Modification & they 're doing this transition. Please help me resolve this. 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 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is a  XXXX  discharged bankruptcy on my credit report that is not mine. I have never filed for bankruptcy. I sent disputes in writing on   XXXX  ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX  , and  XX/XX/XXXX  to address this issue. The case number is :   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Credit reporting () with CORELOGIC INC (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: While reviewing my XXXX and XXXX credit report, I noticed an unauthorized and fraudulent inquiries initiated by CREDCO on XXXX/XXXX/2016. I did not authorize any employee of CREDCO to review my records for any purpose at any time. This is as a direct result of ID THEFT. I personally contacted CREDCO to delete this adverse information and requested for any verifiable signed documents by me, to date CREDCO has failed to provide me any signed documents within 5 business days nor did they delete this information from my report.. As a direct result, I have continued to suffer discrimination and irreparable economic loss of denial of meaningful employment. housing discrimination and denial of credits due laegely to gross negligence of the CREDCO employees acts and omission.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX 2016 a criminal attempted to open a XXXX XXXX account in my name. I check my credit report daily through XXXX and noticed the inquiry on my credit reports. I immediately contacted XXXX XXXX who immediately cancelled the application and sent letters to TransUnion, XXXX and XXXX. As of XXXX XXXX 2016 TransUnion has refused repeatedly to remove the inquiry from my report despite multiple communications via certified mail from myself and 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 12/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (VT).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: I have repeatedly requested and been denied a credit limit increase on my Capital One credit card. I have also filed numerous CFPB complaints related to the denial of a credit increase. 

My last complaint filed with the CFPB I received a response from a XXXX XXXX stating that she could not approve a credit line increase at this time until she spoke to me on the the phone and performed a manual review of my account. She also stated she sent me a secure message to my Capital One account asking that I please contact her. She provided her contact information in that letter. 

I have left XXXX 3 voicemails to date and have not heard back from her. I also spoke to another representative in client services and I explained I could not reach XXXX. This client services representative stated she sent XXXX an email message requesting she call me immediately, again I have not heard from her. Also, I never received an email stating there was a message waiting for me in the secure message center in my Capital One account and when I went online, the secure message center has been discontinued/closed. 

I am tired of the run around by Capital One. I 'm tired of being denied a credit line increase when I have good credit, make all my payments on time, and utilize the credit I have. Even my CFPB complaints are responded to with inaccuracies and I 'm unable to get ahold of the representative to help me obtain a credit line increase. 

I have been offered a 0 % balance transfer and I would like to take advantage of that promotion, but am unable to do so without an increase in my credit limit. To note, I also have an auto-loan with Capital One and always make timely payments on that account as well. 

I am asking that a manual review be performed and that my credit line is increased to {$12000.00}. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Auto debt) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I received an update on my credit reports stating that I owed capital one auto finance XXXX for a auto loan that was not in my name. My name was fraudulently added to this account and I have provided evidence to the company in form of a filed police report stating that I have not opened an account with this company. This account has been reporting on my report for 7 years now. I can not get extended credit due to this account inaccurate reporting. I have tried everything possible to resolve this issue my next step is to file a lawsuit against capital one for their unethical collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (WI).
Issue: Problem when making payments

Complaint: My personal loan lender, Wells Fargo Bank, assessed a late fee charge of {$39.00} on XX/XX/2017. This fee was a direct result of their teller-line representatives misapplying a payment on the wrong account. <P/>In working ( via phone ) with my local Wells Fargo Banker at the XXXX XXXX location in XXXX XXXX Wisconsin on XX/XX/XXXX they asked me to physically bring in my deposit slip as supporting documentation to correct and reverse the fee. In doing so, on XX/XX/XXXX, the representative I was working with added additional requirements and steps to correct the issue such as returning to the original branch to reverse the original transaction, obtaining a debit slip from the checking account from which the loan was paid, then return to the XXXX XXXX location to complete the process which would take approximately two weeks. <P/>Unfortunately, this is n't the first time I 've had a payment misapplied on this specific loan. In the past, this was resolved on the spot, without issue. But I have yet to see any resolution or attempt to correct this issue.

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 05-07-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: To whom it may concern : On XXXX XXXX XXXX I was served with divorce papers from my wife of XXXX years. By the end of the month I was forced to move out of the house at XXXX XXXX XXXX XXXX XXXX , TX XXXX. Although I did not live in the home, I continued to pay the mortgage to Chase Mortgage on-time every month. I paid the monthly mortgage, faithfully and on-time since we moved in on XXXX XXXX, XXXX. 
My divorce trial commenced on XXXX XXXX XXXX. On the day, it was apparent the judge was going to award her the home at XXXX XXXX XXXX XXXX XXXX , TX XXXX. Without regard to whether my ex-wife, XXXX XXXX, could qualify to assume the mortgage and continue mortgage payments, the judge XXXX XXXX, awarded her the house. The final divorce decree was signed on XXXX XXXX, XXXX. I also signed and executed a Special Warranty Deed of Trust stating that she was to pay the note. 
XXXX failed to pay the mortgage on time. Instead, only after threats of foreclosure, she made random payments prior to completing the sale of the home. Her lack of responsibility in paying the mortgage on time has resulted in Chase reporting late payments on my credit history to the XXXX credit bureaus. Thus, severely damaging my credit score. When I spoke with Chase Mortgage several times by phone there was no consideration given by Chase to the fact that I was a responsible, loyal customer for several years and always paid my mortgage on time. Chase refused to amend their reports of late payment and refuse help me improve my credit. 
XXXX subsequently sold the house on XXXX XXXX, XXXX. I have also provided a record of the payment history over the last year of the loan. As you will see, the payments where up-to-date until XXXX after XXXX had taken lawful possession of the house and responsibility of the note. 
In addition to this letter, I have attached the pages in the divorce decree that pertain to XXXX being awarded the house and her responsibility to pay the mortgage, the Special Warranty Deed of Trust that also explains that XXXX is responsible for the mortgage payments and the record of all payments made in XXXX demonstrating that I paid the mortgage on time up to the date that she was awarded the house and supposed to make payments. 
I ask that you may assist me in getting Chase to amend their late payment reporting to the credit bureaus and help me to recover my strong credit that was severely damaged through no fault of my own. 
Sincerely yours, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation