milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX FAILED TO REMOVE ALL FRAUD ALERTS AND FREEZES AND UNLOCK MY CREDIT CREDIT.

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 10-08-2016 about Consumer Loan (Title loan) with MARINER FINANCE, LLC (FL).
Issue: Can't contact lender

Complaint: In XXXX I secured a loan from XXXX XXXX which I was paying on every month until I was my employer unexpectedly went out of business in XXXX unfortunately I became unable to make full payments to XXXX because I was on unemployment. XXXX called and harassed me all day, every day until I felt that I had no other option but to file for bankruptcy which i did in XXXX and it has subsequently been discharged. Because of XXXX actions and antics the bankruptcy trustee is pursuing litigation against XXXX which is now called Mariner Finance, and now Mariner is refusing to relinquish my car title and sign the lien satisfaction letter even though the loan that I had with XXXX was included within my bankruptcy. In my opinion they are choosing to further injure and harass me is due to the ongoing issue within the bankruptcy court which I feel should be illegal and unfair business practicing. I have went to their office in XXXX, Florida in person and I have called them numerous of times regarding this matter and the supervisor XXXX continues to be misleading, giving me the run around. The reason that I am trying to get them to sign the lien satisfaction document is because the car has been wrecked and totaled by XXXX XXXX and they are requesting them from me and I am not getting any help from XXXX ( Mariner ) at all. I have called their corporate office in Maryland several times and all you can do is leave messages and " someone will return your call '' but NO ONE from there has yet to return any of my calls and/or messages! I am no longer in possession of the car, the debt was included within the perimeters of my bankruptcy and the car is a total lost. All I am requesting from them is to sign the lien satisfaction document so that I can provide this documentation to my insurance company so they can fulfill their legal requirements to the State or DMV.

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 10/21/2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Credit determination

Complaint: Recently I was wrongfully denied credit for a mortgage. To my surprise, the mortgage company said that I had a poor credit rating. When I investigated this issue, I discovered that Citi Cards is not reporting my CitiBusiness credit card account to the credit reporting agencies. The account 's high credit limit does not contribute to my credit utilization score as it should. I have a few other cards whose combined credit limits are much less than this account. On these cards I had taken advantage of 0 % interest offers, so over XXXX % of their combined available credit are in use. 

Citi Cards ' failure to report this card to the credit bureaus has seriously damaged my credit profile. This interaction with my mortgage company was highly embarrassing and negatively impacted my lifestyle. Citi Cards ' failure to accurately report my credit information to the credit bureaus has damaged my reputation and my good credit standing. 

I have pursued this issue with XXXX, XXXX, and XXXX. They say there is nothing they can do to get a company to report to them regarding an account if the the company does n't want to. 

I have discussed this issue many times with Citi Cards, and they refuse to report this account to the credit bureaus. I have been told that the reason this card is n't automatically reported to the bureaus is that they consider it to be a business card. However, the legal entity which holds this account is not a business, but is my wife and I, personally. The card is in the name of my wife and me, and the tax ID associated with the account in Citi Cards ' own records is my own personal Social Security number, not the federal tax ID of any business. Because I hold this account personally, and not through any business entity, I believe that Citi Cards is obligated under law to report this account to the credit bureaus that report my personal credit profile.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (NH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: LVNV funding/Resurgent Capital Services is attempting to collect on XXXX different debts which are now expired past the seven years. I have sent them a letter warning them if it is not removed from my credit report since they are reporting it fraudulently to my credit report, then I am taking them to small claims court. They ignored my letter. It is XXXX XXXX that owns both companies. They intentionally go after low income people and then harass them. I did n't even give them my new address. 

They hit my credit info to find out my new address and sent me a letter demanding the full amount of which has been quadrupled from the regular amount of the original creditor. They refused to give me their phone number because they believe that it will make it harder to serve them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Consumer Loan (Installment loan) with TRANSWORLD SYSTEMS INC (MN).
Issue: Managing the loan or lease

Complaint: My complaint is against Transworld Systems Inc. For unfair and deceptive credit collection practices. I paid a collection item for {$100.00} on XX/XX/2017 which I did not know I had until I recently checked my credit report. I still dispute the item, however to close on my mortgage I decided to pay it as long as Transworld would get me a paid receipt. Transworld said at the time they could e-mail me a paid receipt upon my payment. I paid them via my debit card, and as off today they have not delivered me a paid receipt. I believe they tricked me into paying something and did not follow through on their end. Now I may not be able to close on my mortgage. this has caused much more drama than necessary for a small item I dispute. I believe they have a responsibility to do what they say they will do to help the consumer, especially one that is paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The credit bureau is reporting a bankruptcy on my credit report. The bankruptcy courts told me that they do not verify that information to the credit bureaus. The bankruptcy on my credit report was pulled from a third-party reporting agency, therefore it needs to be deleted. Once it 's deleted, I want proof that it has been deleted off my credit reports.

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 10-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: This is my second complaint, since the first was closed due to the company responding. The representative at XXXX XXXX XXXX miscommunicatrd with me the outcome of the investigation of my missing loan payments. XXXX XXXX from the regulatory compliance department informed me that she would be sending me back all my documents that was submitted for payment to XXXX XXXX XXXX for my paid in full loan payment, stating that I do not have a loan with XXXX XXXX XXXX and I should be sending the payment to Navient, the servicer. I was expecting to receive all my documents when XXXX XXXX sent these documents back via ups. Immediately upon review on XXXX, I called XXXX XXXX informing her that documents are missing and i demand a call back immediately. 

It 's been 4 days and I have not called back again because XXXX called me back to back when she thought this investigation was coming to an end and she was helping me but now there is a problem again, I have n't received a return call. The value of this instrument is XXXX and I want to be credited for this payment immediately, I have followed all administrative procedures in contacting them and informing them of my intention to sue if I do not receive proper credit for this loan. 

Now she told me I do n't have a loan with them, although NAVIEent uses XXXX XXXX XXXX for payment processing, but yet they never sent my original payment back, that i not only walked intp a local branch to submit, but had to pay a {$50.00} processing fee for it to be sent to the processing department because im not a XXXX XXXX XXXX customer.. My next step will be to sue with the bankers at my local branch being named as defendants along with XXXX and cfo XXXX. I refuse to believe this document has been lost. It was accepted on XXXX XXXX and received my processing on XXXX XXXX. I still have not received any acknowledgement that my account has been paid In full.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: Attempted to place a freeze on my report with Equifax due to data breach at approx XXXX on XXXX2017 via Equifax online website form. I entered all required info and website stated there was an error processing. I assumed it was because I was on my phone so I tried to place freeze using my desktop computer. I again entered my info but it is now showing that freeze did go through, however I was not given a 10 digit PIN #. I now have no way to unfreeze this account. I 've tried contacting Equifax but I can not reach an actual person at all.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was not even aware of the transition from XXXX XXXX now to Naviet. After realizing all of the interest that has increased and how much it was impacting my credit and progress, I signed up for a repayment plan for about a year now and my overall payment has not decreased. I feel like I was cheated, I have XXXX loans and I still ca n't seem to figure out why the balance is as high as before I started making payments just to keep it from reporting negatively on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Debt collection (Credit card debt) with USI Solutions Inc. (MI).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: U S I SOLUTIONS. They also say they are representing a XXXX XXXX debt.That I owe the 3 XXXX XXXX debts. I looked up the website and it  says XXXX as well. I recently filed a complaint due to continual calls. i got a letter through this website saying they would stop. They are continuing. I got a call today saying to call right away. I called and got no answer twice.

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 05-07-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Customer service / Customer relations

Complaint: I have been a customer of Bank of America for over XXXX years and have not had any late payments, but they reported XXXX XXXX day late payments to the credit agencies. I have stellar credit and have always sent my payments out prior to them being XXXX days late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (OR).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: on XX/XX/XXXXan ATM withdrawal of {$300.00} on XX/XX/XXXX an ATM withdrawal of {$200.00} on XX/XX/XXXX, a charge of {$2900.00} at XXXX All charges on XX/XX/XXXX were done in XXXX XXXX, Florida. Chase texted me asking if they were fraud and I replied back as yes since I live in XXXX Oregon. I asked Chase to credit my charges which they did on XX/XX/XXXX. After Chase fraud dept looked at the case, they reversed the credit back to a charge on XX/XX/XXXX. Someone fraudulently changed my address on the chase website to a XXXX XXXX, Florida address. I am trying to prove to Chase that someone changed my identity online and through the USPS to a XXXX XXXX, Florida address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/17/2016 about Consumer Loan (Installment loan) with STERLING JEWELERS, INC. (OH).
Issue: Taking out the loan or lease

Complaint: I have sent Kay Jewelers several letters but they have not replied to any of them. This is NOT my account! XXXX is my ex - husband & has all of my personal information from when we were married. When we separated he stole my driver 's license, Social Security Card, Birth Certificate & other personal documents that I had to replace. This is not the first time he or his wife now has used my information to obtain money, credit, goods, loans, services. He also shares my information with his current wife XXXX. I recently put a fraud alert on my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Talbot, Adams, & Moore, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not recall this debt, please verify debt. Also, please verify statue of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax confirmed that my SS # /credit information was compromised during their hack. They gave me credit freeze ( confirmation # XXXX ), credit monitoring, and ID theft insurance for one year. However, since the hack is Equifaxs fault, they need to make the credit freeze, credit monitoring, and identity theft insurance should be indefinite, not just a year. Also, Equifax needs to pay for a credit freeze on my accounts at the other two credit bureaus. 

I contacted Equifax about the need for them to pay for the freeze at the other 2 credit bureaus on XX/XX/XXXX, but they ignored me. 

Equifaxs site wont authenticate me, because it says I answered credit questions wrong. It said I may have taken out an auto loan in XXXX and asked the name of the loan company ( see attached ). I chose none of the above, since Ive never taken out an auto loan in my life. It asked for the monthly payment. I chose none of the above since there is no loan. I did the same with the next similar question. Nothing on my credit reports says anything about auto loans or any loan other than my student loans with XXXX. I answered all of the questions correctly, but it wouldnt let me into my account. When I looked at my credit report, of course there was no information about an automobile loan.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Settlement process and costs

Complaint: My mother-in-law is in the process of selling her house. In 1999, Option One Mortgage had erroneously discharged a loan that they had already assigned away to XXXX, acting as Trustee for XXXX XXXX. I have been attempting to get a new discharge for over a month so she can complete the sale of her property and have been unable to. XXXX claims that Ocwen services that loan for them and Ocwen claims they do not - both sides have been claiming the other is responsible for the loan for a month straight. I am sick of tired of this and my mother-in-law is unable to pay rent at her new apartment or pay the movers or afford regular expenses while this title issue is ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I went to XXXX and I was able to successfully view a copy of my report with both XXXX and XXXX. I was able to do this online, as well as save a copy to PDF for printing. However, when I tried to look at my Equifax report on the same website, the web page said, " We are not able to deliver your free Equifax Annual Credit Report online ''. 
I was told I could request by mail my Equifax report by filling out a form and mailing in proof of social security number and address. 

MY QUESTION IS : Why is Equifax forcing me to spend hours of my time to gather data and weeks of wait to view a report that the other bureaus allowed me to view instantly?

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Prepaid card (Government benefit payment card) with Comerica (CA).
Issue: Fraud or scam

Complaint: On XXXX XXXX, 2016 my debit card was used in another state repeatedly the transaction came out to {$740.00}. This is a debit card from Social Security income which says my money would be safe and secured. On XXXX XXXX, 2016 is when I realized all my funds were gone immediately i called customer service. I asked why was n't the card disactivated when transaction were being made so far repeatedly. I was sent investagation forms which took them a week to get to me. I still have n't received any kind of information nor any refund they told me maybe I get my money back on the card itself it says it is insured.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Checking or savings account (Other banking product or service) with BB&T CORPORATION (GA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: ON XX/XX/17 I SPOKE WITH A PERSON FROM XXXX XXXX AND THEY EXPLAINED A PRODUCT THEY WANTED TO SELL TO ME. I TOLD THEM TO LET ME THINK ABOUT IT AND GET BACK TO THEM, THEY TOLD ME THEY WOULD NEED MY ACCOUNT INFO TO HOLD THE PURCHASE AMOUNT FOR IF AND WHEN I CALLED BACK BUT THEY WOULD NOT TAKE ANY MONEY OUT OF MY ACCOUNT. SO I BELIEVED THEM SINCE IT WAS SUCH A SMALL AMOUNT AND I GAVE THEM MY INFO, WELL THEY DID NOT WAIT FOR MY CALL THEY TOOK MONEY OUT OF MY ACCOUNT WITHOUT MY AUTHORIZATION. I CONTACTED THEM WHICH THEY NEVER ANSWERED OR CALLED ME BACK AND I CONTACTED MY BANK AND NOTHING WAS DONE EITHER. PLEASE I WOULD LIKE MY MONEY BACK FOR THE 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 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In my  XXXX   XXXX   XXXX  Credit Report, I found   XXXX   XXXX   as creditor that says I opened on  XXXX   XXXX ,  XXXX  and was closed on  XXXX   XXXX ,  XXXX  with last reporting on   XXXX    XXXX ,  XXXX  with a credit limit of {$100.00}.     I never, ever had this account, but I am wondering why this should be included in my  XXXX   XXXX .     It further shows a contact details for Creditor :  XXXX   XXXX    XXXX   XXXX   XXXX  x  XXXX   XXXX , OH  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 03/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello again, My name is XXXX XXXX XXXX from XXXX XXXX XXXX XXXX NC XXXX.

I am writing with an immediate urge to remove 4 entries of collections off of my report with you. I am a veteran over XXXX   years old now. And to think that you treat us US Citizens like this is unconscionable.

I have filed a complaint with the Identity Theft board of the Government and am looking forward to when the entries below will be removed from my report.

-XXXX XXXX XXXX XXXX  : {$75.00} XXXX XXXX XXXX XXXX  : {$59.00} -XXXX XXXX XXXX  : {$150.00} XXXX XXXX XXXX  : {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Mortgage (Other mortgage) with M&T BANK CORPORATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I renegotiated a mortgage wth M & T Bank during a bankruptcy proceeding.I have made prompt payments for over two and a half years on the new loan. The Bank refuses to send any information to the credit reporting bureaus depriving me of any credit rating. The bank during this time tried to collect illegal fees of over {$6000.00} that I had to hire an Attorney to get them to rescind. They now want a recommitment agreement which would put that fee back in play in order for them to report to the credit bureaus.

Company response to consumer: Closed with explanation