milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX shows a address and name that is completely wrong. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never lived there at all! I suspect fraud. They also show a name as XXXX? That is not my name. Transunion is correct. Why is my XXXX score at XXXX and my transunion score at XXXX? How can there be that big of a difference? My correct information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ind XXXX I have worked at XXXX, XXXX XXXX, and now I work at XXXX XXXX XXXX XXXX XXXX XXXX. This is not that difficult, why ca n't these credit bureaus communicate and ensure that information is correct. I believe these credit bureaus have a responsibility to ensure that information is correct. Please have XXXX remove this fraudulent information. Thank you 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 03/30/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient, today, left voicemail on a 3rd party persons phone ; who does not have any ties to these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Mortgage Loan # XXXX I filed a Bankruptcy partition in the Bankruptcy Court XXXX District of Alabama in XXXX. Included in the filing is a mortgage that was financed by Countrywide/Bank Of American. I later filed a Deed In Lieu of Foreclosure on the home in XXXX. My Bankruptcy docs state ( in error ) that I requested to retain and reaffirm the mortgage ; Although I did intended to retain the house it was not my intention to reaffirm the debt. 

Note : In XX/XX/XXXXthe mortgage was indeed discharged and NOT reaffirmed by BOA. 

I am currently in the process of applying for a new mortgage and the Lender has requested that I provide proof that the mortgage listed on the Bankruptcy was indeed discharged and not reaffirmed. I recently contacted the Bank of America regarding this matter and a representative in the Bankruptcy department ( at : XXXX ) confirmed that the mortgage was discharged/not reaffirmed in XXXX. 

I requested that they provide me with documented proof of the discharge in order that I could provide it to the new mortgage lender, the BOA representative refused my request and stated that they could not provide or furnish me this verification that they had on record. This makes absolutely no sense. I provided and they confirmed my identity and still refuse to honor my information request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Both my parents and my uncle received phone calls from the same debt collection agency stating I owed them money. I do n't know how they even got my family 's contact information. I have never used them as references for anything nor would I give any debt collection agency to speak with my family about a debt. This company harassed an uncle I do n't even speak to and threatened to have me arrested if he did n't pay. This same company continuously called my parent 's stating that they would be sending legal paperwork to them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Equitfax sent  incorrect credit score to  XXXX . All other lenders got an  XXXX  score, while   XXXX   XXXX   was provided a  XXXX  I was not given the lower interest rate, but the rate of 9.09 % I tried to ask Equifax why, and they just said, I had no adverse information, but could n't give my credit score as it was confidential.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: On my XXXX mortgage payment to Carrington mortgage services I made a paper check payment in the amount of {$470.00}, which was the full amount due. When I looked at my bank statement I saw the mortgage company withdrew {$1100.00} which was {$700.00} more than I wrote the check for. The mortgage company has refused to refund me the {$700.00} they took from my account without permission and they t have told me every week for 4 weeks that the money is in my account. I have sent them my bank statements showing the money is not in my account and have contacted my credit union to make sure there have been no attempts to put money into my account. The mortgage company is now telling me I am not eligible for a refund and they have n't even applied the {$700.00} to my mortgage account, so it appears they hare just keeping my money. Now any attempts I make to discuss this matter with them over the phone I am put on hold fro 20-30- minutes until I hang up from frustration. This has been a huge financial distress for me and my family as this was an entire week paycheck and has made it difficult to pay my normal bills and buy groceries and gas for the entire month of XXXX because of these missing funds. I made my XXXX payment as requested so obviously the {$700.00} was not applied to my mortgage account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit card () with U.S. BANCORP (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My vehicle was broken into. I reside on a cul-de sac/dead end street. I accidentally left my purse in car as I have a XXXX. Hands full and honest mistake by leaving it in my car. Thief took purse, diaper bag and all content within glove box ( car registration etc ). I filed a fruad claim with US Bank and also an immediate police report. No credit cards transactions were fraudulently made but perpetrator wrote a fraudulent check. US Bank denied my fraud claim. Holding me liable because checks were stored in an unsecured location ( car ). No appeal letter was given to me. I had to call several times to fraud dept myself to attempt to over turn decision. No prevail. I also tried calling my home branch and discuss matter with manager. She also gave same answer of " sorry ca n't help, fraud dept denied claim. Nothing we can do. '' Mind you it took almost a week and 1/2 for her to get back to me. Which I emailed her a follow up email with no reply. I had to call her to gain an answer. Poor customer service. I also called into fraud dept 3 times now?? Last representative said supervisor could n't get back to me until Monday! Run around. Point is -- - fraud is fraud. I should n't be held liable for a {$480.00} check I did n't write. In addition to Bank fees being applied!

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 12-05-2016 about Debt collection (I do not know) with Bull City Financial Solutions, Inc (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Bullcity/unknown company is reporting information on my credit file. I have notified them that this is not my account. I have also asked them to send me proof that I am obligated to pay them for this debt if they are suggesting that the debt is mine. I have not received any proof that they own this debt or that I am obligated to pay them. This account needs to be remove from my credit file. This is not my debt. This company have violated the FCRA by not providing me with proof that I am obligated to pay them and reporting a debt that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed with Experian and XXXX for an unverified and inaccurate account in regards to an account with XXXX. They both returned verified without proper verifying documents such as a signed contract, ID, SS card, or other concrete verification. They both completed their investigation but failed to see the inaccuracy and inconsistent information of what is being reporting. All XXXX bureaus are reporting different information. I mentioned this in a correspondence with XXXX and again they did not properly investigate. In compliance with the FCRA 623 ( a ) ( 8 ) ( D ) I am requesting accurate information be reported and both parties have failed. It is my understanding that Experian make money for reporting information and the lower my score the more they make. As long as they verified information and the accuracy of it, they can continue to report. Well I have proof that the information is inaccurate and also unverified. XXXX correspondence is contradicting what they are reporting. It also states they verified my identity through an email address and online application. I want my creditworthiness to be restored! They need to report accurate and consistent information. Also completely verify my identity before including this information on my report. Verifying my information with an email address, an online application, and billing statements are not verification. I have not received a thorough investigation from Experian or documents requested of verification. The documents I received from XXXX are clear that the delinquency dates are not accurate, the amounts paid and received are not accurate, and the identity verification is not accurate. Due to their failure to complete the investigation and report accurate information, I 'm requesting this to be deleted permanently from my file.

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 11-12-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: someone in north Carolina has stolen my identity information and has purchased items including XXXX cell phones thru XXXX on XXXX/XXXX/2015. A police report was filed as soon as I found out about it on XXXX/XXXX/2015. A investigation from XXXX is under way thru there fraud department and our local police department.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2017 about Debt collection (Auto debt) with TOYOTA MOTOR CREDIT CORPORATION (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hello. On XX/XX/XXXX I returned a leased car over to XXXX Toyota XXXX XXXX and took another lease in exchange. It was a trade in. I entered into a new leasing agreement still in effect. I was told by the salesperson ( XXXX XXXX ) that since I was taking another car from the same dealer I did not have to pay any amount for returning the car to the dealer before the end of the lease. 
On XX/XX/XXXX ( 14 months later ) I received a letter from a collection agency trying to collect a debt of {$800.00}. When I contacted them they told me that I owe that amount to Toyota because I returned my car before the end of the lease. I went immediately to the Toyota dealer and the Salesperson ( XXXX XXXX ) and the Manager ( XXXX XXXX ) both informed me that it was a mistake that Toyota made, they processed improperly the trade in paperwork and that 's why Toyota was charging me with that amount, but since that account was closed and sold to a collection agency they had nothing to do, meaning to say that the problem that they created is now mine and that I have to find a solution for something that they did wrong on their side.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Vehicle loan or lease (Lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (MN).
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint: Nissan Motor Acceptance Corporation is functioning under unfair practices that have affected my credit to get a lease thriugh XXXX dealerships in XXXX XXXX in Minnesota. 

The lease was denied under false pretenses in which my credit was suppose to be fixed wit prior complaints against NISSAN for a fraudulent loan on a XXXX nissan Altima. I am referring to denial number # XXXX, from XXXX in XXXX XXXX XXXX Minnesota .... The car was eventually paid off ( IE. NISSAN RELEASED THE TITLE ) and the title was sent to me, however, the Nissan has continued to make it difficult for me tio get a new car and a lease through them. The title was released by them and through their discretion, and the down fall of all of this my credit and inability to get another lease for a brand new Nissan Rogue which would be much cheaper than to purchase a vehicle outright. 

I was denied a lease and also suffered credit reporting 's, therefore affecting my ability to get a lease. the decision that NISSAN made to surrender the title to that vehicle and to also make multiple late payments to my credit report, despite the over indulged equity has cost me. It is false advertising to keep on record a surrendered title to me and to deny me of credit without Ccearing up my credit report and also taking that off of my credit file at NISSAN Motor Acceptance Corporation. In other-wards they are inadvertently admitting that they made mistake with the origination of the car loan, but are not clearing that mistake, therefore having me suffer the consequences of their decision. This inadvertent action is costing me about 5,000.

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. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This is a report regarding the recent Equifax security compromise. Equifax indicated my personal information was compromised, I found this information by using the site they set up : https : //www.equifaxsecurity2017.comXXXX I 've placed an initial 90 day fraud alert to help safeguard my credit history.
The CPA needs to force equifax to monitor every account and notify victims if any fraud occours. Credit fraud protection should be mandadory for every account, not an option for us to have deal with.
This security compromise occurred from XX/XX/XXXX until XX/XX/XXXX, and I only found out about it in XX/XX/XXXX. This is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Debt collection (Other debt) with Rent Recovery Solutions (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Do not have a contract or document with Rent Recovery Solutions that I am in title to pay XXXX dollars to their company starting on XX/XX/2013.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid off my XXXX XXXX bill several years ago which they have confirmed repeatedly. Over the years, various credit collectors seem to mysteriously pop up and claim I owe this money. I have disputed this numerous times, the matter gets resolved and the negative credit item is removed from my credit report, and then 1-2 years later, it reappears. 

The latest collection agency is XXXX XXXX XXXX. I do n't know who XXXX XXXX XXXX is, nor have I ever received anything from them. I DO NOT OWE them or XXXX XXXX any money. But this month I received an alert that they claim I owe XXXX XXXX {$98.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Debt Mediation, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: PROFESSIONAL DEBT ME ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you PROFESSIONAL DEBT ME INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PROFESSIONAL DEBT ME or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (DE).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Portfolio Recovery Services called my home this XXXX before XXXXI had left the houseMy ( soon to be ) ex husband ( we are still legally married ) answered the phonethe Caller Identified herself as XXXX XXXX from Portfolio Recovery Services and asked my husband who he was, he answered " her Husband '' the debt is in my name only but she then proceeded to share all the information about the debt with him ... .. 
the account number - who it was owed to and the amountHe then texted me immediately and I called him - he had written all the info down and said she was more than happy to share all the info with him about the debtthis is a prohibited practice by Portfolio Recovery Services

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Earlier this month, I was pre-approved for a mortgage loan. As part of the application, the mortgage broker sent me a summary of my credit scores from the  XXXX  credit-reporting companies that included factors adversely affecting the scores . One of th ose factors was too many credit inquiries during the previous year. The only inquiries that I remember authorizing are by my bank for a mortgage pre-approval in  2016 and the most recent one by the mortgage broker. I was concerned, so I requeste d my credit reports from the  XXXX  credit-reporting companies and learned that there have been multiple inquires by credit card companies and insurers, which I presume are used to market products to me. I never authorized these inquiries, and even thought I have a relatively high score, it seems unfair that inquiries by companies should adversely affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NISSAN MOTOR ACCEPTANCE CORPORATION (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Good morning, I have an account with Nissan Motor A which I have never been late until this month, the reason I am the co-signer of a leased car, the owner has been injured also this company never called mentioning that a payment didnt go trough on the correct date therefore, the owner made the payment online and never wen trough but on the web page say it did, so they never reported that the payment didnt go  trough never received calls until this Saturday the XXXX which was already 30 days late and got reported to the credit bureau and got damaged, so on Saturday since they finally called i made the payment and And told me to call Monday to get removed the report that it shouldnt be an issue since I paid on Saturday but got no luck they told me they wont do it cause its not their faul when it is

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 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: Account information incorrect

Complaint: My Name is XXXX XXXX. Am looking at my credit report and there are 8 hard inquiries from the following companies that an disputing because i haven't had any dealings with them. 
1. XXXX. There are 5 inquiries from this company dated - XX/XX/XXXX - XX/XX/XXXX Two inquiries on the same day. 
- XX/XX/XXXX - XXXX. 
2. XXXX XXXX- there are 2 hard inquiries dated - XX/XX/XXXX - XX/XX/XXXX XXXX. XXXX XXXX. There is 1 XXXX dated XX/XX/XXXX. 

I have not had any financial dealings with these companies and thus would like to dispute these inquiries. 

Yours respectfully 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