milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have 4 duplicate XXXX XXXX XXXX tradelines on my credit report for the same two loans. I disputed these items with Transunion through the CFPB on XX/XX/XXXX after speaking with XXXX XXXX XXXX and receiving reassurance that they processed my documents and submitted everything to the XXXX XXXX XXXX. I completed the Loan Rehabilitation through XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Account # XXXX ) on XX/XX/XXXX, and my loan has been sold to XXXX XXXX ( XXXX XXXX ID : XXXX ). Part of the agreement with the Loan Rehabilitation is that the defaulted and duplicate accounts would be removed after I completed the program and the loans are consolidated and sold to a new servicer. I was promised that the accounts would be removed within 30-60 days of completion, it is now XX/XX/XXXX and the accounts still appear on my report. I will attach the documentation pertaining to both the removal agreement and the new loan servicer agreement. The rehabilitation document subsection pertaining to the removal of the defaulted loans is section 10. I would also like to mention the fact that during this entire process, since XX/XX/XXXX, I have been a XXXX XXXX and should have been able to defer my loans, but every deferment was revoked after 30 days or simply denied. This has been a nightmare, but I have followed the rules despite being mistreated by an institution that was supposedly created to support and empower citizens.

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 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with WELLS FARGO & COMPANY (VA).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Too many of my profiles being listed in areas I use to live. The past 5 plus years I have been accused of too many crimes and my credit reports have been sabotaged.. also trying to get proper paperwork consuming Power of Attorney papers to Insurance papers of all types.. medical..health..life insurance policies etc.. tired of no one helping me knowing I have sent out reports in 3 States now. ALABAMA.. TENNESSEE. AND HERE IN VIRGINIA.

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 01-10-2017 about Credit reporting () with TENET HEALTHCARE CORPORATION (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I noticed that I had an item on my credit report that I was not familiar with and I had no knowledge of indebtedness to either organization. At that time I constructed a communication and sent it to Syndicated office systems also known as Central Financial controlling via Certified mail return receipt, received a validation of debt request on or around XXXX. Once the dispute was received by Central Finl Control the item was removed and then they same company that operates under two names placed the item back on my credit report under their other name ( documents are attached ). 

As you can see under the header of results of your investigation- continued, you can see that item from central finance Controlling account/XXXX was not found as it was removed. At the time I disputed the item it was still on my credit report. Once it was disputed, the company deleted the item and then added it back under their other company name. 
I have no knowledge or record of the account listed. Please advise me as to the name and addresses of the medical providers, the date and type of medical service and to whom the servicers were provided, as any accounts I might have had may be obsolete. If you can obtain this information, I would also need the name of the person providing the data and the manner in which it was provided so I may pursue additional legal remedies. The entries from my credit file are attached to this complaint. 

Third-Party Disclosure Improper Disclosure of PHI to third. Most businesses have Business Associates and Business Associate Subcontractors. These third party entities are responsible for protecting PHI and, with the Common Agency Provision in the HIPAA Omnibus Ruling ; you are now responsible for your Business Associates ' HIPAA Compliance. I would like to see their Compliance Plans. If they do n't have a Business Associate Agreement in place before you disclose information, you have a Breach on your hands. 

A Debt Collector Must Send Written Notice of Debts As I mentioned earlier, as part of the debt collection process, you must receive a statement outlining the specifics of your debt in collections. Within five days of contacting you, a debt collector must send you this written notice with the amount of money you owe and the name of the creditor. This notice also must explain what actions to take if you believe you do not owe money.- Nothing was received when the 3rd party debt collector decided to just move the debt to their other name for their business so I was again not aware of any level of indebtedness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The balance that is shown from my charged off XXXX loan is incorrect.

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 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is becoming VERY annoying at this point. I have issued fraud alerts, filed police reports, called ove r 25 tim es ( check the records ) and yet and still someone is not only using my information but applying for the same things over and over. Im at work as I type and received an alert from a credit protection company that I was just denied a loan that I clearly did n't apply for. Ive asked ov er 20 tim es for these inquiries to be removed. I did not authorize any of them and im ready to take legal action at this point. Please remove the following accounts with month and dates :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    .    I will not continue to send letters and call and talk to the RUDE reps who are of no help. My next step will be legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a ton of automobile inquires ranging from XX/XX/XXXX -XX/XX/XXXX and one mortgage inquiry in XX/XX/XXXX that I do not recognize nor did I authorize. I have tried to dispute this with the credit bureau ( Transunion, XXXX, and XXXX ) via fax, email, and phone. Then continuously tell me that I these are statements of fact and I applied for credit and they ca n't be removed. One employee of Transunion told me that I applied for this credit even after I told him several times, I did not. So the fact is that companies can place a hard inquiry on my credit report without my authorization. I 'm not talking about the firm offer of credit, insurance, court order. Those I understand but these hard inquires are neither. That is pretty alarming and I want resolve this issue without having to mail letters to 35 different XXXX having 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 04-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Three weeks ago I requested my annual free credit report online with www.annualcreditreport.com. A screen popped up and said I could n't have access to my online report yet, they would send me a code or pin to use by mail so I could access my report. I also requested 2 weeks ago by their phone automated system for my reports and still they refuse to send me my credit reports from XXXX, Transunion, and 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 10-11-2017 about Mortgage (Conventional home mortgage) with MCS MORTGAGE BANKERS, INC. (MI).
Issue: Closing on a mortgage

Complaint: Ya I need some serious help I am so sick and tired of lenders hiding things and making up things that are totally false and untrue just to get your loan and scam you. I put a lot of trust in this compnay and got XXXX. What happen is i was going through XXXX XXXX Branch XXXX and Business development NMLS # XXXX XXXX XXXX XXXX, Building XXXX XXXX XXXX, NY, XXXX Office : XXXX Toll Free : XXXX ext XXXX Cell : XXXX Fax : XXXX Personally licensed in : AL, CA, CT, FL, GA, IL, IN, LA, MD, MA, MI, NH, NJ, NY, NC, OH, PA, SC, TX, VA cid : XXXXXXXXXXXX Corporate Headquarters XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Mortgage Bankers - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that my loan was already approved not to worry dont make XXXX or XXXX house payment and to go ahead and get appraisal doen however after getting appraisal there was all these hidden closen cost XXXX closing cost with XXXX less cash out becasue the apraisal didnt come in as they XXXX so i am going with a new lender i will not work with someone who with lie cheat XXXX from me and was treated like XXXX would get very upset with me especially now XXXX XXXX going with him then i saved voicemails where he has been calling me basically XXXX me XXXX me to go with them they will adjust number take out points so on i told them with a emial that i do not XXXX XXXX do this loan he kept on bother me and at time in best he would get very angry and yell at me im tired getting treated like XXXX XXXX lender i XXXX to say that he shoudl not be that way thats totall innapropraiete so I am asking if you help me get the XXXX dollers back from my appraisal or XXXX have them release it over so i can use for the new lender i dont believe that i should pay for another XXXX when i can use this XXXX and all they need to do is XXXX over and give permission to use it. Thank you XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Closing/Cancelling account

Complaint: I am XXXX years old ; I was XXXX at the time of my wife 's death on XXXX XXXX, 2014. I contacted Capital One to close my wife 's account. I was not a co-applicant, but an authorized user. I was advised that I could then have a credit card and my wife 's account would be cancelled due to her death. However, her account was not closed, but they replaced me with my wife as the primary card holder. Capital One is now holding me accountable for XXXX of debt that should have been cancelled upon my wife 's death. I live on a fixed income and can not not pay. As an authorize user, I used the account thinking I had a clean slate ; I have tried to rectify this for two years. I have struggled to pay them {$400.00} each month, while waiting for resolution, that never came. They are not able to produce the original application, which will revealed that I was never a joint applicant and did not apply for this card. Please provide any assistance that you can.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Debt collection (I do not know) with NCB MANAGEMENT SERVICES INC (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: NCB MANAGEMENT acct # XXXX XXXX XXXX, pa XXXX My name is XXXX i am complaining in reference to a violation of my FCRA and FCDPA i sent this company a debt validation for a balance they have on my credit report stating i owe {$7100.00} and they sent all information in reference to the loan and the actual price that was owed, which is only {$2500.00} they have violated the FCRA over a dozen times after i disputed it saying the item is verified and meets the fcra requirements for the {$7100.00} which the paperwork from their office states i only owe {$2500.00} i have tried to contact them in reference to my concerns of the account and them hurting my credit reports and making it difficult for me to get financing and rebuilding my credit and so forth i feel as if this issue should be removed off my reports for the simple fact they violated several laws and continue to violate my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Mortgage (FHA mortgage) with LoanCare, LLC (DC).
Issue: Settlement process and costs

Complaint: I 'm attempting to get my loan pay-off statement to re-finance but mortgage servicer, LoanCare. I 've waited 20 minutes for a human to answer the phone. Their website is clunky and I can not access my payoff statement even through their website. 

I never wanted to do business with them. XXXX Mortgage transferred my mortgage over to this XXXX company

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Payday loan, title loan, or personal loan (Installment loan) with Avant Credit Corporation (OH).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: The amount of the loan was over  XXXX . According to my credit report, the payments were inconsistent over the last year and then the payments stopped. I called the company to file the report of theft and the information they have on their file is accurate.     However, they were claiming that i file a report against the BBB and did other actions. They told me they were going to send me some documents to fill out and send to them to claim the fraud and they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: navient has yet to fix the credit dispute event though they said the hit would be fixed. calling multiple times the issue has yet to be resolved

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 Alliance Data Card Services (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I reviewed my   XXXX   Credit Report on  XXXX / XXXX /  XXXX   and noticed a HARD INQUIRY from Comenity XXXX . I did not request or authorize anything from this company. I sent a certified letter on  XXXX / XXXX /  XXXX   (  XXXX   XXXX  to have this removed and I have never received a response and it is still on my credit report. I want this removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2016 about Mortgage (FHA mortgage) with FIRST GUARANTY MORTGAGE CORP (FL).
Issue: Application, originator, mortgage broker

Complaint: I refinanced my mortgage XX/XX/2015 with First Guaranty Mortgage. The loan officer told me that if I refinance, the MIP on my FHA loan would be reduced and the overall monthly mortgage payment would be lowered. He gave me an estimated monthly payment and after the refinance I started paying {$1800.00} per month. XX/XX/XXXX I received a letter from the loan servicing company ( XXXX ), that my mortgage will be increased to nearly {$2300.00} due to escrow increase. On contacting XXXX for an explanation, it was revealed that I was basically lured into a refinance that turned out to be non-beneficial to me. I was quoted a low monthly payment to refinance then later faced with a large increase in monthly payment. If I knew that my payment would turn out to be so much then it would have not made any sense to spend the money to refinance. This practice is deceptive. I now have a higher overall loan balance and a longer payment term for a refinance that turned out to be senseless.

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 07/18/2015 about Payday loan () with BlueChip Financial (NJ).
Issue: Received a loan I didn't apply for

Complaint: I had my identity stolen. I had fraud alerts put on my credit with the XXXX credit bureaus. Blue Chip financial was going to approve a fraudulent loan, ignoring the fraud alerts. I found out through XXXX about the new loan and contacted Blue Chip to have it closed and have it erased from my credit report which is not happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: After correct reporting for 6 years, Experian suddenly starts reporting my bank credit card was subject to a chap XXXX bankruptcy. My bank XXXX XXXX, has correctly reported this account was exempt, fully paid every single month for over 6 years, open, and had a XXXX balance at time of incorrect report. XXXX has previously call Experian the last time they screwed it up, that stayed fixed for 6 months, now revert to incorrect report. 
Please forward this complaint to the FTC, as their penalties ate not effective in correcting the biased CRA reporting. They continuously violate CFPB, FTC, and FCRA regulations and display utter disregard for consumer interest.

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 06/21/2016 about Debt collection (I do not know) with ACE CASH EXPRESS, INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was contacted by a person named XXXX XXXX who said he was a locator for a company and needed to verify my information so that he could serve me with paperwork for a possible claim being brought against me. When I informed him I had no idea what he was talking about he provided me with a claim # XXXX and the phone number XXXX of a company that he says he did n't know the name of because he claims to only received sealed packages. Said I needed to speak with them within 30 mins or he would be calling me back. XXXX called from ( XXXX ) XXXX and called 3 times in a row each time I did n't answer, so he called me 7 times including today ans has left me 2 messages. When I called the company ( XXXX XXXX XXXX ) that sent him, they informed me that I owed them because they bought a debt from Ace Cash. I asked for backup documentation and he told me that I was well aware of the laws about not meeting my obligations and there was nothing else he could do for me and would notate i was unwilling to resolve this voluntarily. I asked again for documentation that I owe his company money and that the law requires him to provide it to me so I can review. He informed me that my stall tactics would n't work and that would proceed with whatever avenue they have. He claimed the person calling me did n't work for his company and was a locator hired to serve me documents. After XXXX XXXX called me this morning, I sent him a text messages informing him that he was harassing me, he company refused to provide valid documentation and that I was reporting his number to your office.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2015 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is not responding to my requests to investigate and remove the accounts from my credit report that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Mortgage (Other mortgage) with Residential Credit Solutions, Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: RE : Error in Evaluation of Loan Modification of Loan # XXXX am the homeowner at XXXX XXXX XXXX, XXXX XXXX, NY XXXX and RCS, the loan servicer, has made a patent error in the Loan Mitigation Application request of # XXXX by calculating the wrong monthly gross income as {$7000.00}. Because of this error RCS has rejected my Loan Mitigation Application. 

I am writing to rectify the error RCS has made and am appealing the basis of RCS ' decision. It seems that RCS has used outdated income information provided to XXXX XXXX XXXX back on XXXX/XXXX/2014 instead of using my current income. 

My correct current monthly income is $ XXXX. The basis of my correct income is attached. 

Kindly use the above to ask RCS to correct the error in the Loan Mitigation Application and reassess loan modification request based on my correct monthly income of $ XXXX/-Thank you. 

-- XXXX XXXX XXXX, XXXXcc : HAMP Solution Center, XXXXXXXXXXXX ( ID XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Credit card () with JPMORGAN CHASE & CO. (NH).
Issue: APR or interest rate

Complaint: Hello, I as a consumer of Chase Credit card, my APR for this credit card is at 23.99 % never been late or missed a payment. Spoke to a financial manager XXXX who stated that we do not negotiate APR 's and will not lower them. This is outrageous for the consumer when my credit is excellent. I would like some action done on this as there is no reason this should be happening to good consumers as myself.

Company response to consumer: Closed with explanation