milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: Due to negligence on the part of Equifax, and allowing my personal information to be released without authorization, I am spending my time attempting to mitigate the potential losses from this company 's negligence. I have been shuffled from online to phone numbers which do n't answer, and also to a web site explaining that I now need to pay them to protect my data after their breach. On behalf of myself and all my family members, this unacceptable! You should be paying me for my time to attempt and hopefully fix your problem.!

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Trans Union continues to report a balance on a negative item that is 10+ years old. 
This item should be removed all together from our report. The balance should be XXXX and the trade line removed all together as it is over 7 years old. We are 2 weeks away from closing on a loan and this item ( showing a balance ) is reported to Trans Union only and is causing us a debt to income ratio issue. It should be removed right away and we need written confirmation to provide our lender. URGENT REQUEST

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: When I get my credit report on XXXX, after I entered my information and the report has someone else 's credit report such as XXXX XXXX or some other loan. I 'm an XXXX and I came to US from XXXX 2013. I only have XXXX cards these years and never use loans or other cards.So it 's definitely not me. Today I applied for an XXXX card and would like to see my credit history and I found that problem. So may I ask someone to help me check my credit report and fix it? Thank you so much in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I recently received my credit report and noticed there are inquires  on it that are damaging my credit score and my ability to obtain new credit is being jeopardized. I formally request that all non account holding inquires be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Consumer Loan (Installment loan) with Express Aviation (TX).
Issue: Managing the loan or lease

Complaint: I was attending XXXX XXXX XXXX when it closed it 's doors XXXX XXXX, 2016. I started school XXXX XXXX, 2016. In order to go back to school I had to take out a loan through the school for around {$13000.00} at a 12 % interest rate. I thought that this loan would be divided up and distributed per semester, like Federal Loans are. I found out after the school closed down, that they released the entire amount to the school the end of XXXX. Because the school closed down and I had not completed my first term of school, I receive nothing. No grades, no credits, no transcript. Now the loan company is saying that I ow this {$13000.00} loan back to them. I took out that loan for an education, XXXX that I will not be receiving from the school that money was paid too. How can they expect me to owe that money if I am not getting anything in return for it? I have called ASFG and they have told me that they do not report to credit bureaus and that no other school would see that loan. Now that myself and other students have stopped paying the installments on this loan, they are threatening to report on our credit. I need help with having this loan cancelled as the school is in breach of contract with me. At no fault of my own, am I unable to finish out my education with XXXX XXXX XXXX, so therefore I feel they broke the contract on this loan and I should not be held responsible for paying any monies back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/18/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Credit line increase/decrease

Complaint: CapitalOne Bank advertisement is false and misleading. On XXXX, CapitalOne is stating that their Capital One ( R ) Platinum Credit Card has : Pay no annual feeGet access to a higher credit line after making your first 5 monthly payments on time Fraud coverage if your card is lost or stolenAfter 8 months of having a XXXX balance CapitalOne never increased my line of credit, even though I 've always paid the account in full every month and had no late payments. I feel that they bated me into signing up for their credit card and now they are switching the terms of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received a copy of my credit report and notice that an account ( collection ) was added on my credit report causing my Equifax credit report to drop drastically. I have no knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I 've researched this company and have never heard of them nor have I ever received any type of documentation from this company. I am furious at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (AE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Actually NOT used obscene language but used pressure tactics, are unwilling to help/ resolve issue and also seemingly improper management of debts and PII - pers identity info ( SSN, addresses et c ). 
We incurred debts when I was XXXX with US military in XX/XX/XXXX, was XXXX discharged and did n't received any pay until XX/XX/XXXX. So we incurred debts, house was improperly foreclosed ( XXXX got us WHOLE 500 $! ). We settled/ paid off most debts, except for XXXX XXXX XXXX, where XXXX transferred some funds owed on mortgage ( foreclosed ) to CC which is n't legal. Then debt was almost settled with XXXX, but when requested documentation it was quickly transferred to Midland Credit Management, under MCM acct # XXXX. Midland FAILED to prove debt ( and it 's height ), FAILED to communicate to resolve ( I sent email requesting documents/ investigation into XXXX improper behavior ). Since then dealing with MCM DISASTER:XXXX/ MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX , CA XXXX is n't really attempting to collect, settle or communicate - when calling ANY of their XXXX numbers ( such as XXXX or XXXX ) XXXX gets through, then message says it is recorded and when asking about use of non-recorded line is put on hold and then told " unrecorded line is n't available, call in XXXX hours '' -- that is usually XXXX min into " transfers/ holds ... '' All reps giving " odd names '' such as XXXX diff person stated to be XXXX XXXX ( all from XXXX XXXX call center ! ), or XXXX XXXX or XXXX XXXX, these are from XXXX. That also bring issue XXXX/ PII, addresses, DOB and all info passed from US to XXXX XXXX who can effectively stole identity w/o any control/ oversight by US government/ agencies. 
I think that is ABSOLUTE disaster. 
On top, seems like Midland Credit Management is just RENOWN for this behavior w/o any action from our Government. Sincerely XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: During the summer of XXXX and in early XXXX, Transunion experienced a system glitch that removed all inquiries from my credit report.TransUnion later added them all back onto my credit report without providing me with the legally-required written notice 5 days prior to them re-adding them. I contacted TransUnion, in good faith, asking them to delete the inquiries that they had illegally re-added.My first attempt result in being told that my account was not affected ; however, ALL accounts were affected. My second attempt resulting in me being able to revolve this matter by ( 1 ) contacting the creditors that requested my file and having them to remove the inquiries or ( 2 ) filing a police report.

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 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have done everything possible besides file a lawsuit- My case with Navient screams of class-Action- I have meticulous records of every phone call ( recorded ) every letter, every dispute filed with XXXX, XXXX and XXXX- My insurances have increased over $ XXXX monthly directly due to Navients willfully neglected investigating and reporting. In 30 years the only negative information on my credit reports is the inaccurate information Navient continues to report. 
Summary : from XX/XX/XXXX-XX/XX/XXXX I co-signed student loans for my daughter XXXX XXXX, after she restructured her loans under one payment to be split between all her loans ( i believe XXXX of them ) Navient misappropriated the payments and never applied a portion to XXXX loan account, as a result that account went into charge off, After years of complaints I finally filed a complaints with the CFPB. First on XX/XX/XXXX Case # XXXX and again on XX/XX/XXXX case # XXXX. However, I just applied for an auto loan and was denied due to " recent serious delinquencies '' I pulled my XXXX and XXXX credit reports to see Navient again inaccurately reporting me 150 late XX/XX/XXXX. ( see attachment ) Insanely, this is after Navient claims to have investigated and ADMITTED their errors and promised to correct my credit reports. Numerous times Navient claimed to correct my credit reports, each time I fount the corrections incomplete. I have given Navient more than a reasonable time and many many more opportunities to correct their admitted mistakes. I am not a wealthy person, I immigrated to the United states XX/XX/XXXX from XXXX. My father was a XXXX politician and very wealthy, I left all that wealth to come to the USA with nothing but a promise for labor work as my father cut me out of his will for leaving. I have been working as a XXXX since. I have contacted an attorney XXXX XXXX of XXXX law group. He is willing to take my case but currently in the middle of several other class-actions and informed me his schedule wouldnt allow him to take my case until XX/XX/XXXX. I hear he is the best there is. I have not yet retained him and truthfully i was preferring to avoid litigation. However, Navient seems to have left me no other choice.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: no good catergory for this- violates cardholder agreement then demands ( via extortion ) to be paid on entire line.
1- never late on secured line ( upright law was on retainer -and you cant collect ) 2- under advisement of council I was told not to pay 3- refuses to allow me to open another SECURED CARD because of lawyers request. ( wants 12mos, w a normal 6mos review cycle ) 4- refused to reissue card as demanded 90 days ago. I moved and my mail was stolen. several items went missing.
5- refuses to purge account under part 209 of fcra- debt is not only disputed, it is denied in full.
6- law violations can not allow a company to extort ( must pay account or we wont close it ) customers for money. THIS IS SECOND EXTORTION ATTEMPT. TBI has been notified.
so has someone at TN.gov, bill haslams office. problem never resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (KS).
Issue: Trouble during payment process

Complaint: I 'm a  XXXX   XXXX   XXXX   XXXX  with a   XXXX   year child. I tried to refinance my house and use some of my equity in my home to pay for my  XXXX   year olds educ ational expenses. Over one year ago the title company came back and said the title to my home was clouded as a result of clearly fraudulent assignme  nts by OCWEN.
Enclosed you will find the title opinion from last year. OCWEN REFUSES TO EVEN ADDRESS THIS ISSUE.       How can this be right? I am entitled to use the over  XXXX  in equity in my home and ca n't as a direct result of fr aud by OCWEN. I simply have asked them to fix the assignments. I wanted nothing from them other  than to do what is legally required.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have contacted all XXXX credit reporting companies regarding incorrect info on my credit report regarding a public record. XXXX deleted the incorrect info however XXXX and Equifax will not. I asked them to verify the information which they did not. I 'm writing you all to have this information removed as a solution. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Mortgage (Other mortgage) with STONEGATE MORTGAGE CORPORATION (MO).
Issue: Loan modification,collection,foreclosure

Complaint: Stonegate Mortgage Loan XXXX. Owners XXXX filed BK. Bk discharged. Applied for mortgage modification with Stonegate Morttgage and was denied effective XXXX XXXX. Letter sent to homeowner that there were alternatives to foreclosure, but no short sale package was sent. Homewowner requested shortsale package XXXX. Shortsale package requested a second time approx XXXX XXXX, 2017. Short sale package sent out XXXX XXXX per may phone call today with Stonegate. In the mean time while homeowner is pursuing alternative to foreclosure, Stonegate is stalling and Dual Tracking by initiating foreclosure at the same time. In addition they say they have to have complete package and sales contract 37 days before foreclosure date. In Missouri that is impossible since it is 21 days to foreclose in a non-judicial state. Not to mention you can not list property for sale while pursuing a Mortgage Modification. CFPB needs to order Stonegate to cease dual tracking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2015 about Consumer Loan (Vehicle loan) with Mid-Atlantic Finance Co., Inc. (FL).
Issue: Taking out the loan or lease

Complaint: My loan has been taken away but the company still keeps their account open in my credit information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Taking out the loan or lease

Complaint: There is an unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There 's a XXXX XXXX account on my Transition file that does n't belong to me. I 've been trying to get rid of for years. Additionally, I got an alert some recent credit inquiries were made without my permission. When I tried to submit my dispute on an account and inquiries and got this message : Request Failed Thank you for contacting TransUnion. Our goal is to maintain complete and accurate information on consumer credit reports. The dispute request you sent us via the TransUnion online dispute feature will require manual processing. 
Dispute Resolution Steps REPORT DATE XXXX/2017 NAME XXXX XXXX XXXX ADDRESS XXXX XXXX, XXXX XXXX What will happen next? 
If you have any documentation to support your dispute claim, you may provide the information to us via mail at XXXX XXXX XXXX XXXX XXXX XXXX. Please remember to include your File Identification Number on all correspondence to TransUnion. 
We will investigate your dispute and return our response via U.S. postal mail. Internet delivery of the dispute resolution is not available for this request. 
If you have any additional questions or concerns, please contact TransUnion at the address shown below to check the status of your dispute. 
TransUnion Consumer Relations XXXXXXXX XXXX When contacting our office, please provide your current file number 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 02-05-2018 about Payday loan, title loan, or personal loan (Payday loan) with Midwest Recovery Systems (TX).
Issue: Received a loan you didn't apply for

Complaint: they posted on my credit score saying that i owe XXXX bucks in XX/XX/XXXX but i never had any account with them ever i never needed to get any loans this has dropped my credit score from a XXXX to a XXXX i dont understand how there are so many complaints with these people and no one has started a law suit and i dont understand how the credit bureaus continue to let them report fake loan accounts so i am contacting any and everyone that i can think of hopefully if i can get enough people involved we can all get together and show the credit bureaus they reported this fraud account on more than 1000 accounts that they will be removed not only that hoping they can be stopped and have something done about this!!!!! i want this removed from my XXXX credit account asap i never applied for any loans or anything also i did a 3 way call on the phone today with rtem and XXXX  i told them to provide me proof that this was my accunt and i asked for a fax number to send my police report and to my surprise they gave me XXXX THIS IS A FAKE FAX NUMBER BTW this just confirms it even more 1000s of people are complaining online about them why cant they be stopped its clear they are reporting to get money from people but i want pay these THUGS XXXX XXXX!!!!!! XXXX XXXX is the woman from XXXX that did the 3 way call her number is XXXX ext XXXX they told her that the account was in XX/XX/XXXX but on my XXXX  account it showsXX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX treated my dog, overcharged me and they were paid in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (IN).
Issue: Making/receiving payments, sending money

Complaint: Chase received a payment on our Chase Visa from a XXXX account that we have used to make payments for years.  The payment was returned as the XXXX Account was blocked when traveling XXXX.  Once the travel was completed XXXX unblocked the account in a day.  Chase has since processed payments from this account on other Chase Visa cards we have and deposits without issue.  However the particular Chase Visa account in question cannot be paid with the XXXX Checking account, because Chase has blocked payments from the XXXX account for Visa Chase Visa Card *******************

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Credit card () with PAYPAL HOLDINGS INC. (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have checked my credit report from XXXX and I have noticed an unauthorized hard inquiry. I have no knowledement of this inquiry on XXXX XXXX, 2015. I would like it off my credit report due to I personally not applying this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I added an authorized user during 2017 XXXX by promotional offer for XXXX XXXX points Then I finish spending requirement but american express closed my account and did not give me XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Debt collection (I do not know) with Innovative Credit Solutions (WI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: They contacted my employer and told them i would be served with a summons at work the next day. They told them i was being sued. When i called they asked for my personal information and hung up when i did n't give them any. They called me the next day and left a message threatening to serve me at my home. I do not know who these people are and they would not tell me what i supposedly owe and to who.

Company response to consumer: Closed
Consumer complaint received 03/20/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is an ole Debt. which was misrepresented by neglect or " breach of agreement ''. I am a veteran, XXXX. at time of XXXX I agreed to the amount of $ XXXX monthly on the XXXX of each month. I explained to the representative that I was a Veteran. My check is the XXXX of the Month. According to the date the XXXX falls on. At the time of the Agreement {$250.00} was there but from Previous Month. The Representative drafted the amount, that is what caused the " Insufficient Funds ''

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have state tax liens that have been paid and show on my credit reports as " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help.

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