milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I explained to Transunion,  XXXX , and   XXXX   that i do not recognize any of these inquiries on my credit report. I am writing to dispute the following information in my file. I recently received a copy of my   XXXX  ,  XXXX , and Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance  C. Employment D. Court Order Th e following credit inquiries are related to none of the aforementioned permissible   XXXX   XXXX   XXXX  .   XXXX   XXXX   (   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 10/31/2016 about Credit card () with SYNCHRONY FINANCIAL (KS).
Issue: Closing/Cancelling account

Complaint: I had an account with Synchrony Bank ( formerly GE Credit ) for XXXX XXXX stores which was closed and paid in 2009 but it remains on their system and they say it can not be removed despite the fact that is closed, can not be used and should not be in their database this long. They refuse to remove teh account.

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 11-02-2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (UT).
Issue: Loan modification,collection,foreclosure

Complaint: Him XX/XX/XXXX, I worked with Envision lending in XXXX XXXX XXXX, Utah and XXXX XXXX who was representing Envision lending. The mortgage broker XXXX XXXX at that time helped me get into a adjustable rate mortgage and an interest only mortgage for our home with the understanding, if we made our payments on time in approximately three years we could refinance to a fixed rate mortgage and a lower interest rate. Around XX/XX/XXXX we reconnected with XXXX XXXX who informed us we could get a 5 % fixed interest rate because of our timely payment. On or about XX/XX/XXXX, I met with XXXX XXXX and signed a fixed rate mortgage with the understanding the mortgage would then be at 5 % mortgage. I began making my mortgage payments, on the new mortgage shortly thereafter. Several months later we were notified concerning a payment reduction on the mortgage. We paid the mortgage until we were put into a position financially where we could not afford the payment. We were sued by Bayview loan servicing , LLC, the alleged creditor, XXXX XXXX company the alleged trustee and XXXX and Associates the law firm that is representing XXXX and also owning XXXX in XXXX XXXX XXXX. I have never signed a contract or agreement with Bayview Loan Servicing , LLC, nor have I paid any payment, agreed to pay any payment or are in default to Bayview loan servicing LLC. I have defended the case pro se and in the process of reviewing what I could find in my records I came across to the envelope that included the mortgage information from the second mortgage that I had not looked at as I received it months later after I took out the mortgage. Inside the envelope I found XXXX CDs which contained XXXX separate loans. XXXX of the loans was signed XX/XX/XXXX, the other loan appears to have been signed on XX/XX/XXXX. We do not recall applying for a second loan nor being told we had taken out another loan. Also the loan from XX/XX/XXXX was a 6.627 % loan with the fixed rate and the loan on XX/XX/XXXX was a 5.62 % loan with a fixed rate. On XX/XX/XXXX I received a change of creditor notification f him rom Bayview Loan Servicing LLC. Under the FDCPA 1692, section 803 " definitions '' it appears Bayview loan servicing LLC is not a creditor as defined in 1692a ( 4 ) I am a consumer as defined in 1692 a ( 3 ). Bayview Loan Servicing , LLC appears to be a 1692 a ( 6 ) debt collector, collecting a 1692a ( 5 ) debt and are not a Party in standing but third party debt collectors attempting through a judicial foreclosure, to remove our family from the home. We would appreciate assistance in this matter as Bayview Loan Servicing LLC through XXXX XXXX have continued to move forward without proving standing. We would appreciate your assistance in the resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: O n   XX/XX/XXXX , I   mailed a letter to Equifax notifying them of inquires that they have listed on my personal Equifax credit report that I had never authorized. I requested that they supply me with authorization that they received from me to the creditors and received a letter stating that they are " factual ''. My claim was not to address weather or not they are factual but to supply me with my consent to obtain my credit report. Equifax has been unwilling to assist with these unauthorized inquiries and this is affecting my finances. How is the " factual '' determination even made without contacting the creditor that supplied them with the information and getting proper validation? I would like to know the method of them deeming an inquiry " factual '' without proper verification or validation.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On  XX/XX/XXXX     I checked my credit report and noticed an address addition and a charge off debt which are not mine! I put a fraud alert to all credit reports. I contacted the company that sent the charged off debt  XXXX   XXXX , they stated that they sent the information to Equifax but it was for a different  XXXX   XXXX  and Equifax put the information of that person on my report it was supposed to go to a different  XXXX   XXXX  who also lives in  XXXX . I contacted Equifax over  20  times yesterday trying to solve this issue I even did a dispute on line. I do n't feel I should have to wait 30 days to get this resolved since it was Equifax, employee incompetence. They left me on hold and never came back to help me with my issue and now I have to send them information to prove its not me when they should do the research. The consumer that the information should go on is  XXXX   (  with  one  L )  XXXX  who lives at  XXXX   XXXX   XXXX   XXXX   ,   XXXX  MA  XXXX  they need to  contact   XXXX  XX/XX/XXXX  and  XXXX   XXXX  and verify also check social security numbers  two  different people. Remove from my Credit Report I will file a lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Application, originator, mortgage broker

Complaint: Wells Fargo Mortgage has delayed closing on the sale of property and will not tell the closing attorney or the buying/selling agents what is necessary and needed to complete the file. We continually supply documentation, same documents multiple times and can get to straight answer as to when we will be complete. This has been approx 60 days in the process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (Medical) with LJ Ross Associates (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: LJ Ross has sent me what is on my credit report. This not validating what I 'm asking. Moreover, I am asking LJ Ross Assoc to validate background information with respect to the described account numbers. Since deleterious errors may be contained with respect to what you reported, I formally request that you send all relevant data within the 30 days.In addition, show that the accounts was established legally. I want more than only a cursory account history. Instead, this is a call for a formal documentary review. 
If this documentation can not be provided during the time delineated here, data forwarded by you to the credit reporting agencies should not be considered truthful and may indicate L J Ross Assoc 's intention to violate applicable federal and/ or state collection laws. In that case, please erase those bureau reported immediately. 
I also ask that no info given is medical description because there are thing that I only want a doctor to know Under the Hippa

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Debt collection (Other debt) with ERC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I received a bill from XXXX in XX/XX/XXXX, I never opened account i have been a XXXX XXXX customer for past 9 years current, I refused a promotional deal when I went into a XXXX XXXX retailer in mall and they were giving a promo deal and gift if I filled out a card online, I did the switch never came forth  ... salesman called me over and over, over a 3 week period in XX/XX/XXXX, I told them i was not interested. apparently in XX/XX/XXXX i received a bill for services and called them directly via XXXX customer service number..for several months into XX/XX/XXXX I had to argue with them that it was a fraudulent account and bill. in XX/XX/XXXX I was sett a form and sent it back verifying i was not responsible for account or bill. in XX/XX/XXXX I received a letter from XXXX XXXX..who gave it to another collection company and now its reported as of XX/XX/XXXX as a new debt ...  completely innacurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Student loan (Private student loan) with SLM CORPORATION (CA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have an issue with  Sallie Mae because they ca n't offer me any type of repayment plan that is in line with my income. They said I gave up the right to graduated payments because I had to go into forbearance while I searched for another company to refinance with. I do n't qualify with any of the other finance companies because I do n't make enough money. I called Sallie Mae twice   today to ask if there was some way I could avoid defaulting on the loans and sparing my co-signers credit  XXXX . I offered to make payments on the loans but I ca n't afford the full amount.  Sallie Mae told me that I would have to let the loans go into default or delinquency for  XXXX  days before anyone in Sallie Mae Collections  would call me to ask me why I was n't making full payme nts. Only then, would they offer me alternatives. This is, of course, after everyone who co-signed with me has a  XXXX  late on their credit report which lowers thei r credit score significantly. I owe Sallie Mae {$170000.00}. The payments are {$1500.00} a month. I can pay maybe a {$1000.00}. Even this amount leaves me with no disposable income. Sallie Mae wo n't work with me. I 've tried every possible alternative I can think of before  just defaulting on the whole mess. And taking my whole family down with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My wallet was stolen. With my social security card credit cards banks cards. Id etc they tryed to open banks phones credit cards. Loans. And they used my atm card and got my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: To Who  m It May Concern, Yesterday my husband and I had property SOLD and left with a check to be deposited.
We deposited the check into our JOINT Checking Ac  count . ( Bank of America ) Within 12 hours there was thousands of dollars being processed/withdrawn out of our JOINT Checking Account. The company that withdraw the monies, was n't indicated at all in our JOINT Checking Account statements. There was no ALERT! that was indicated to us with our online Accounts at all.   <P/> Of course, we immediately went to the closest Bank of America to see what on earth was going on with this particular account mentioned above.  <P/> 
The Bank of America Manager found out that it was a Credit Card issued back in the early  XX/XX/XXXX  through my husbands company which has been CLOSED since XX/XX/XXXX . They indicated that    the last payment wa s XX/XX/XXXX . The  Credit Card was through the company which was also a LLC. My husbands name was the ONLY name on the Credit Card. Not mine.  <P/> The monies that were withdrawn is also mine. Th e Checking Account is also a JOINT Acc ount.  XXXX  Bank of America fraudulently withdrawn monies out of a   JOINT Checking Account  XXXX   XXXX   Please note, there was no notice by mail or phone calls to Alert us of any problem or issues to resolve any matters with Bank of America.
<P/>  There needs to b  e ACTION taken against Bank of America.
<P/>  My husband and I are retired and only get a small amount per month through social security. This Sale of t  he Property was to be a small cushion of security which was taken away from us like a thief in the night.
<P/>
Please let us know what ACTION must be taken so we can proceed to go further and have our monies returned to us.    <P/> Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit card () with DISCOVER BANK (TX).
Issue: APR or interest rate

Complaint: Dear CFPB I 'm extremely disappointed on how Discover conveys information to customers like myself. Neither the monthly statement nor Discover credit card website indicates ANYWHERE the expiring date of the promotional APR rate. I have contacted Discover live chat service last Saturday asking when the promotional rate would expire and where I could find this information. The answers were that promotional rate was already expired on XXXX XXXX and that this information would have been available ONLY in the initial welcome documents. This is unfair and unacceptable in my point of view. All other major credit card companies do explicitly indicate both in the monthly statements and in the website the expiring date informing as such properly the customers to avoid occurring interest charges. Actually the statement ending on XXXX XXXX was still indicating 0 % APR on the balance and there was NO WARNINGS whatsoever that it was the last period at 0 %. I 'm afraid to say that the lack of info seems done by Discover on purpose to have as much as possible customers carrying forward their balance outside the promotional period therefore ( consent me the strong statement ) with a deliberate dishonest attitude by Discover. I asked Discover management to reconsider the interest charged and bring them to XXXX since as a matter of fact no information was provided in the website and in the monthly statements with regard the expiring date of the promotional rate but at the moment there was no concrete action from Discover side except to thank me about the feedback and confirming they are striving to provide an excellent service to their customers. I confirmed to them my disappoint about their suspicious lack of information. 
Regards

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I tried XXXX service for my family, I cancelled after 10 days of service due to bad signal strength, I paid over {$350.00} to return equipment and close account, 2-3 months later XXXX sends me to collections for usage of 10 days of service, I paid the usage fee on XXXX/XXXX/XXXX and balance was XXXX .... Today is XXXX/XXXX/XXXX and I am still showing an active collection account from GC services on behave of XXXX, after numerous calls hours of phone conversations with XXXX and GC, XXXX admitted that the balance is and should be XXXX from XXXX/XXXX/XXXX ... A supervisor from XXXX had me 3-way a phone call to Collection agency, but the collection agency disconnected the call and refused to speak to XXXX ... I am now being denied a mortgage loan because of this negative collection report .... Please erase this negative from my credit as I am trying to make the biggest purchase of my life and realize the American Dream at the same time, not only for me but also for my family of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Deposits and withdrawals

Complaint: Deposited my payroll check on XXXX XXXX. Funds were placed on hold until XXXX XXXX ; checked account on Friday, XXXX XXXX and saw that an additional hold was placed on my check until the following Friday. Contacted Bank of America and was told they could not do anything ; I was not informed of the hold ahead of time, and I scheduled payments for Monday, XXXX XXXX, which have subsequently been returned, and drawn my account further in overdraft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (MS).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I take advantage of XXXX yearly. When I applied for a home loan through USDA in XX/XX/XXXX what I'm about to list wasn't on my credit report. When the final credit check was done in XX/XX/XXXX six fraudulent student loan accounts were appearing on XXXX, XXXX, and two on XXXX. The six on XXXX   and XXXX were created by Wells Fargo. The two on XXXX   were created by XXXX XXXX XXXX. The dates and amounts that are listed on my credit report are false. I had stopped attending school in XX/XX/XXXX due to a XXXX caused by an automobile accident. I had a student loan with Wells Fargo in XX/XX/XXXX-XX/XX/XXXX. This loan was paid off. The following are the six accounts by Wells Fargo on my credit report : 1.Open XX/XX/XXXX Amount {$8500.00}. 2. Open XX/XX/XXXX Amount {$6300.00}. 3. Open XX/XX/XXXX Amount {$4700.00}. 4. Open XX/XX/XXXX Amount {$4700.00}. 5. Open XX/XX/XXXX Amount {$3600.00}. 6. Open XX/XX/XXXX Amount {$920.00}. 7.Open XX/XX/XXXX Amount {$3700.00}. 8. Open XX/XX/XXXX Amount {$1200.00}.

Number Three and Four are the same amounts, but have different account numbers on credit report. Number Seven and Eight have had disputes filed in XX/XX/XXXX, but continue to remain on report. Numbers 1-6 are Wells Fargo accounts falsely created and Numbers 7-8 are 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 07/31/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My credit records were merged with my younger brothers, which made my credit score much lower than what is was supposed to be. My name is XXXX XXXX XXXX and my younger brother 's name WAS XXXX XXXX XXXX ( He had to switch the name when we faced this issue ). 
My social security number is only different by XXXX digit at the very end. Mine is XXXX and his is XXXX. I have contacted the Equifax multiple times to fix it. While XXXX and XXXX fixed the problem for me right away. I still had this issue with XXXX and it is costing me money ( have been paying higher interest rate and lost opportunity to apply for the loans/credit related products ). 
I had to submit multiple disputes and still I seem to have the problem. I never did something that will impact my score negatively. It was all happened somewhere else and it damaged my financial stability, time, and efforts to fix it. 
Please look into this for me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Consumer Loan (Vehicle loan) with United Consumer Finance, Inc. (PA).
Issue: Managing the loan or lease

Complaint: I financed a XXXX XXXX XXXX XXXX for {$12000.00}. Two months after getting the car the dealership had not completed the inspection, and the engine blew. The dealership told me the warranty had to pay for the repairs and the warranty company said that the dealership was responsible since i had just got the car. I paid XXXX out of my pocket to pay for the repairs. This was only the beginning. It is XXXX and to date i have paid {$12000.00} in repairs as well as XXXX in finance payments. Currently the vehicle still needs repairs and the finance company is charging all types of interest. I contacted the XXXX to file a complaint with the company since the vehicle had not been inspected and after looking at my paperwork ( contract, Title, and registration paper ) i noticed that at the time i bought the car the mileage on the title was different than the mileage that was on the car and the contract, as well as the " Owner '' signature on the title transfer. The XXXX advised me to seek legal help. 

The dealership ( XXXX XXXX XXXX ) and the finance company ( United Consumer Finance ) conducted illegally and now i am in a bind with a lemon for a car and no money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I sent letters to XXXX, XXXX, and transunion about having several unauthorized inquiries on my credit report. I asked them to validate or otherwise remove them because I knew they were not authorized and they sent me back a letter stating companies are allowed to run my credit even though I specifically told them I had not auttorized certain ones and had zeros knowledge of them.

Company response to consumer: Closed with explanation