milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I started 72 month auto loan with XXXX XXXX XXXX in XXXX of XXXX. I made 100 % on time and in full payments ( confirmed by all three credit reporting agencies and XXXX themselves on over 10 occasions ). 

I had made the last payment on my auto loan onXX/XX/XXXX in the amount of {$310.00}, which generated a refund of {$1.00} as well as the issuance of my Title and pay off notice ( which were printed on XX/XX/XXXX and mailed to me XXXX. 

There was another payment made onXX/XX/XXXX in the amount of {$310.00} ( my account was set up direct withdrawls ), which was also refunded to me due to over payment in late XXXX. 

There was another payment made on XX/XX/XXXX ( again, automatically taken from my account ) in the amount of {$20.00}, which was also refunded to me due to overpayment. 

On XX/XX/XXXX, XXXX advised all credit reporting agencies that though my account was fully paid, and title issued, I was placed in delinquent status with {$0.00} due. After over 20 calls to XXXX, no one can tell me why I was listed as delinquent as my balance was paid off, title issued and they advised I was NEVER late on a payment. This has caused my credit score to drop over 60 points. 

On XX/XX/XXXX, I sent Transunion, XXXX XXXX AND XXXX all the materials I have ( payment history, title, pay off letter, etc .... ) to dispute this delinquate status. 

On XX/XX/XXXX, all three agencies corrected my credit report to show that my account was closed/paid on time/never late as it should be. 

On XX/XX/XXXX, XXXX, once again, reported my account to all three credit reporting agencies as delinquent with a zero balance on this closed account. As a result, my credit dropped another XXXX points. 

I have made, again, in excess of over 5 calls to Transunion and XXXX trying to get my report corrected and to get XXXX to correct whatever system issue keeps incorrectly reporting my account as delenquate to the reporting agencies. They advised me that the only way to do this is to dispute it again. They can not tell me if this will ever rectify the issue or if I need to dispute the same issue every single month because XXXX wont correct their system. 

I am trying to purchase a home and this XXXX point drop in my credit is preventing this from happening. XXXX is not helping me with this matter in ANY way other than telling me to keep disputing it.

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 09-01-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I a writing once again because I was a victim of Identity Theft. I 've been trying to resolve this macys account that I did not open up for years. It 's obvious that someone used my social security number and all of my information and opened up this account. I had filed an identity theft form. Why is it taking years to resolve this. I MYSELF did not open up a macys account. Why is it that macys is same that the account was legitimate. When someone uses all of your information to open up an account it is still fraudulent. I MYSELF NEVER EVER EVER EVER OPENED UP A MACYS ACCOUNT. I should not have my credit penalized for this either. Macys have given me the run around for years. NOW THAT THE IDENTITY THEFT IS FILED I AM HOPING THAT THEY CAN SEE THAT I NEVER OPENED UP A MACYS ACCOUNT AND I WANT IT 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 explanation
Consumer complaint received 04-09-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: All XXXX credit reporting companies, XXXX, XXXX, equifax ALL created a new credit history file for me when I changed my name. My SSN remained the same. I am a XXXX woman and I was having trouble getting credit after my XXXX. When I looked into it I found that all of the credit reporting companies had XXXX files for me. XXXX under my old name and XXXX under my current legal name. I am still in the process of getting this corrected, which means having them merge the XXXX files. They had instructed me to ask all of my old CC and bank loan companies to re-report the information with my corrected name. The ones that would, did but, it STILL did n't show up on my credit report. The merging of the XXXX files for each credit reporting company is where I am now. It has been a HUGE time consuming process. Many days worth of time spent on the phone to correct this issue which NEVER should have happened XXXX. XXXX they should have just started reporting my new name and new credit cards as part of my existing record based on my social security number. If I had an issue with it, i.e. if someone else had this happen they would see it on their credit report and dispute it. So, why is n't this the default? Being a XXXX person in this society is hard enough. Why do we have to start our credit history all over when we are just trying to live as ourselves. I do n't think most XXXX people would go through the long wait times on the phone and the getting run around ... when they have XXXX records that should just get merged. If I had n't had credit monitoring from before my name change and after I do n't think I would have noticed what was going on ... well not as fast. ALSO, regardless if someone is a XXXX. If someone starts using another person 's SSN with whatever name they want, they can build a credit history. So, this is making it easy for someone to create a fake identity / life. 
Please see about getting the credit reporting companies policy changed with regards to SSN and names. 
Thank you. 
A XXXX year old XXXX XXXX with 12 years credit history from when I was a XXXX and 2 years as a XXXX. Once my files are merged I will finally all 14 years of credit history that I deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Other debt) with Credence Resource Management, LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had cell phone service with   XXXX   XXXX   XXXX   XXXX  . My number with   XXXX   XXXX   XXXX   was  XXXX . It shows Account No   XXXX   as the creditor account # on this collection notice from Credence and their reference no is   XXXX   I received. On  XX/XX/XXXX , I canceled my service with   XXXX   XXXX   XXXX   and transferred to  XXXX . In  XX/XX/XXXX I received a balance notice and called   XXXX   XXXX   XXXX   and spent over an hour on the phone being transferred all over. It was my understanding that the balance would be removed, however now I have a collection agency after me trying to collect {$170.00} for service I canceled. I was a long time customer of   XXXX   XXXX   XXXX   and this is very disappointing. This is unacceptable an act by a large company trying to coerce me into paying a balance that is not due to them. Because service is usually prepaid, would n't they OWE ME a credit anyway? They did n't issue me a credit for the service I paid for that fell after my cancellation date? Something seems fishy here.

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 01-03-2018 about Mortgage (Conventional home mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (CA).
Issue: Trouble during payment process

Complaint: Despite numerous complaints, Homebridge financial keeps locking me out of my account. They are not the one-stop-shop for my entire financial profile. I use third party applications/software to log into my homebridge mortgage  account and pull the data needed to keep up with my finances. 

Homebridge blatantly blocks my attempts to log into my own account through these apps. They have declared 5 of my passwords unusable. I 'm on my 6th password, and it 's not 1 of my usual 3 passwords so I 'm constantly forgetting it and having to go through the process of resetting my password. 

Homebridge, and its security are doing more harm than good.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I submitted a complaint about an car dealer submitting my credit to banks when I did not authorize it. And your company denied my request to have them removed. Like i stated in the last complaint that I DID NOT AUTHOIRZE THEM TO SEND MY CREDIT TO ANY BANK OTHER THEN XXXX XXXX BECAUSE I ALREADY HAD A PREAPPROVAL FROM XXXX XXXX!!! But whoever responded to my comlaint did not read it!! ILL SAY AGAIN THAT I DID NOT AUTHORIZE THEM TO SEND MY CREDIT TO ANY BANK OTHER THEN XXXX AND I TOLD THE SALESMAN THAT AND HE AGREEDED NOT TO. THEY ARE DOING SHOTTY BUSINESS!! I WILL FILE SUITE AGAINST EXPERIAN AND THE CARD DEALER IF I HAVE TO!!

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 09/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX, XXXX XXXX XXXX Line of Credit Loan Account Number Num : XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Account Number Num : XXXX Balance {$260000.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XX/XX/XXXX I have send a letter regarding this account. Under the Fair Credit Reporting Act, you must Change the status of the loan modification accounts. 

This account was a loan modification that was done XX/XX/XXXX not in XX/XX/XXXX and it was close in XX/XX/XXXX not in XX/XX/XXXX. For that reason this XXXX account should be remove from my credit report. A loan modification does not take 9 years to process. 

You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the 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 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Today I tried to get my free copies of my Credit Reports from the three Credit Bureaus but lately I have not been able too. I am becoming very upset as to why I can not obtain these reports. It seems when someone else inquires they are able to receive the information I seek, but I can not. I have reason to believe there is something reported that they do not want me to see. I would like a copy of my free Annual credit report ASAP.

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 08/29/2016 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (CA).
Issue: Managing the loan or lease

Complaint: Ford Motor Credit made several monetary and clerical errors on my account that ultimately ended up in them reporting my account delinquent to the credit bureaus severely impacting my credit score. Prior to the negative report I called customer service to warn them of the issue, to which they responded that indeed they made an error and they would resolve the issue and contact me. I was never contacted, so imagine my surprise when I saw the hit to my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2015 about Debt collection (I do not know) with Williams & Fudge, Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I applied but did not accept admission into California XXXX University XXXX XXXX and was contacted almost 2 years later that I owed them a substantial debt for tuition. The school was non-cooperative and sold the debt to a debt collection agency. This is not my debt as I have never attended or enrolled in this school.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Experian is displaying i have a late on payment on my XXXX XXXX account when it was fixed by the credit about 5 months ago. Experian did their investigation and removed the late payment 4 months ago out of no where they reinserted the deleted information again on my credit report which dropped my credit score drastically. i was denied for credit because of their mistake to add this negative delinquency on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have send Transunion several letters and filed several complaints disputing inquiries that I did not authorize for the following companies. 1. XXXX XXXX XXXX. 2. XXXX. 3. XXXX  XXXX 4. XXXX. XXXX. XXXXIn which transunion have ignored my letters. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights Transunion has failed to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry in the absence of any such documentation bearing my signature I requested the fraudulent inquiries be immediately deleted from the credit file that is under my social security number.

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 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX, I have tried time and time again to have a " Consumer Dispute '' removed from my Experian credit bureau. I have submitted my official documents signed by a doctor from the VA way back in the XXXX of 2009. All of my documents were sent via registered mail return receipt. The following is my current information : XXXX XXXX XXXX XXXX - XXXX, XXXX, XXXX, XXXX, XXXX XXXX, 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 07/18/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (IL).
Issue: Struggling to pay mortgage

Complaint: I am very disappointed of Ditech I submitted all my documents since   XXXX   /2017   . For a Deed in Lieu. since my intentions are to return the home to Ditech. I can not afford it, I am doing what is best for me and my health I am  XXXX   XXXX   XXXX  and is getting harder for me to move around do to my  XXXX . Therefore I was hoping to get some respond within 30 days and still nothing. We are almost going to end the month of  XXXX  and I am scare that I am not aware of what is going on. Every time I call Ditech for an update, some  Agent  tell me is under review and some tell me my file is not activated. I am starting to believe that Ditech intentions are just to foreclose my home instead of assisting me with my Deed in  Lieu  request. Please help me get a responds from Ditech it seems that they are purposely prolonging my case. I want know how much long I have to stay in my home, since is hard for my to move around I need to know with a head of time so I can have my family and friends help me move out. However I will not leave until I received my Deed in  Lieu  documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: PNC repeatedly requested duplicate information which I mailed or faxed multiple times. In addition, they had access to 3 years of tax returns directly from the IRS. They still declined my modification request

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: In XXXX XXXX, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX in exchange for opening a CitiGold account and scheduling XXXX bill payments from the newly opened account. 

XXXX XXXX XXXX equals at least {$500.00} or more in travel on XXXX XXXX. 

After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 

On XXXX XXXX, XXXX, I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, I did not receive my bonus points as promised. 

On XXXX XXXX, XXXX, An internal investigation was opened. 

Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 

Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers.

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 06-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft and someone stole my identity and used my personal information to open up an account with XXXX XXXX for cable and high speed internet service. I do not owe XXXX XXXX a debt of {$120.00}. The account or debt do not belong to me. I have been phone calls repeatedly from XXXX debt collectors who have harassed, verbally abused and threaten me with wage garnishment and arrest if I do not pay the debt. XXXX XXXX is in violation of the Minnesota Debt Collection Laws and Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Credit card () with AMERICAN EXPRESS COMPANY (WA).
Issue: Advertising and marketing

Complaint: The American Express Blue Cash Everyday Card offering brochure claims " Cash Back '' multiple times ( 5 times ) in its description of the incentives ; however, the " fine print '' states that " cash back '' is provided " in the form of Blue Cash Reward Dollars ( reward dollars ) ''. This is clearly false advertising and misrepresentation of the term " cash back '' employed throughout the descriptive attachments provided by American Express in its Blue Cash Everyday Card application package. American Express should be required to withdraw all related documents to the Blue Cash Everyday card, revise all documentation to eliminate all references to " cash back '' ( since they NEVER intend to provide the customer with cash ) and be subject to a penalty for the false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received an alert on my credit report for a collection by Enhanced Recovery. I contacted their office to see what the collection was for. They stated it was a bill from XXXX. This is an account from XX/XX/XXXX that had been previously deleted from my credit report in XX/XX/XXXX under another collection company called XXXX financial. I have not received any notification other than the alert from my credit monitoring service. If it is verified that I owe the bill, I have no problem paying the bill. The problem that I have is a company submitting something on my credit report without notifying me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2015 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Hello I am a victim of freud and I have made so many attempts to have this resolved my credit cards were used and I reported this each company without resolution. XXXX, XXXX Bank, XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation