milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2017 about Mortgage (Other type of mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Closing on a mortgage

Complaint: their was on XXXX XXXX person had to explain my self over and over

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have inquiries on my credit report that do not belong to me- 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 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Have been trying to get invalid reporting public record removed for over 6 months now ; was made aware of new public record law in which all three credit reporting agencies would be required to automatically remove all public records that were reporting and that has not happen for me. This was scheduled to take place on XXXX XXXX, 2017. XXXX XXXX XXXX is still reporting incorrectly on today.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 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: Public record information inaccurate

Complaint: The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed EXPERIAN, XXXX, XXXX  Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Neither Credit Bureau have provided me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature.

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 03-08-2018 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: On XX/XX/XXXX I received a unauthorized inquire on my credit report from XXXX XXXX after reviewing this item on my credit report I contacted all 3 credit bureau to informed them of this inaccurate information. And they informed me that it was nothing they could do that I would have to contacted the XXXX XXXX XXXX XXXX and I contacted them and they did nothing but continued to transfer my call to supervisor and nothing was resolved due to this issue my credit score has  decrease even though it was not authorized for my credit to be ran. XXXX XXXX do not have a copy of my license nor anything to authorize approval for car. I would this information removed off of my credit report and my credit score to return to my accurate score. 

Credit Score IncreaseXXXXXX/XX/XXXX DescriptionCongratulations! XXXX has reported that your credit score has increased by at least 10 points. Your updated score is posted below and will not be reflected in your Overview page until your next free score refresh. 
Next StepsKeep up the good work. 
Details Updated Score : XXXX Credit Score DecreaseXXXXXX/XX/XXXX DescriptionXXXX   has reported that your credit score has decreased by at least 10 points.  Your updated score is posted below and will not be reflected in your Overview page until your next free score refresh. 
Next StepsMonitor what factors influence your credit score by logging into XXXX XXXX. 
Details Updated Score : 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 08/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Prohibit of providing documentation of debt not owe. This issue is causing me and my family to be displace from my home. I 'm in the middle of trying to purchase a home. because of this showing on my credit ive been unable to move forward. 

I have called the company on XXXX different times, so had the federal organization. we each have identified ourselfs to get help nothing has happen.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with On-Site Manager, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On-site is reporting 4 different inaccurate judgements. They are duplicating each one. One of them has a sealed record and should not be appearing at all which has a file date of X/2011. Yet it is appearing as vacated, I lived in that unit for 3 additional years so again it was sealed. The other judgement was vacated. With a file date of X/X/2011and it is showing it is owed. The attorney acknowledged that it should not be appearing.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I was recently defrauded by what I thought was a company that wanted me to work for them. I have my resume up at online job boards like Monster and I received a response from a company concerning a XXXX XXXX position. Although they seemed to be legitimate, they defrauded me for $ XXXX. 

Once it dawned on me that this was a ruse, I contacted the FBI and the Secret Service. I then asked Chase to place a hold on my credit card account. Since it 's been a few weeks and I have yet to hear anything back from the FBI or the Secret Service, I called Chase to find out whether or not I had any fraud protection on my card. Suffice it to say that the woman that I ultimately was transferred to, did not make me feel as if I had been victimized ; she made me feel as if I was an accomplice and was arguing around semantics. She said that I was scammed and not defrauded and therefore not eligible for fraud protection. The words are synonymous though and I explained that in my Email to the CEOs of the bank. I 'm just asking that they help me with this situation and that 's what I called to do until I was challenged by this woman. Surely they can see that I was acting in good faith when I thought I was acting as an agent of this company. I left out a lot of detail for the sake of brevity but I will gladly provide you the Email that I sent to the CEOs if you need it. 

Not only did she make me feel as if I was somehow in collusion with the criminals, she hinted that they have placed some type of freeze on my credit which makes me feel re-victimized because I need my credit to qualify for school loans. Is there anything that you can help me with? Is there any way that I can help myself? 

Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (MD).
Issue: Account opening, closing, or management

Complaint: I have called Paypal no lie over 30 times and have been placed on hold anywhere from 20 mins to 3 hours at a time with no check backs. I opened a dispute or XXXX the wrong way. I have since resolved all issues with the individual companies from XXXX. There should be no disputes currently opened with paypal. I have called ever since and they laugh at me, do not treat me like a person for complaining against them. It is now hurting my credit and I ca n't use paypal. I just called again today, please pull the call records, I have them from XXXX. I am calling from XXXX to all numbers I have to paypal, repeatedly they refuse to service my account fairly. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hello! 
My SSN is : ***********I have disputed repeatedly with XXXX bank, the history regarding my charge-off. They are still reporting it showing past due {$1100.00}, even though it is a charge off. I have been told this is incorrect, ad they will not remove past due status. 

In addition, there is an item with XXXX XXXX XXXX, regarding a vehicle that I had voluntarily reposessed. The item in question is not showing a proper balance charged off I owed over {$4000.00} on this vehicle and was only given credit of just over {$1000.00} when they sold it. Extremely unfair practices, and this was not explained properly when the vehicle was reposessed.. 
In addition, there is an item for XXXX which is incorrect. I have been harassed repeatedly by XXXX very nasty collection agencies. I am being charged for equipment I returned and amount is completely incorrect. I do not owe this money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Mortgage (Other mortgage) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Settlement process and costs

Complaint: In XXXX, I was told to contact XXXX banks to see if I could get financing because they did not want to refinance my loans. If I could not find a bank to refinance my loans then they would see what they could do. In the meantime I had to pay whatever monthly interest they assessed. Who would do this? I did find a bank that took on all of my loans except one. I recently applied for a job that required a credit check. The mortgage loan was purchased and paid in full in XXXX. However, it appears that the bank that received payment and have a XXXX balance is now stating that this mortgage is still in foreclosure which is incorrect. The loan did get paid and the bank have a XXXX balance where payment was received but it is listed as a foreclosure when it is not. I would like for this to be taken off of my credit report. I was told that it was the fault my current lender. How could that be when the balance was given what was owed and they received payment? I reviewed that status on the credit report and it will remain on my report until XXXX? How could that be when the mortgage account was paid in full and the current bank is holding the mortgage? Please help and explain to me how this can be removed off of my credit report when the bank in question received full payment. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (IA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying since XX/XX/XXXX to get this recitified [ Note : from XX/XX/XXXX-XX/XX/XXXX, i had several health issues that were present and known about by ex, courts, lawyers, XXXX etc. ] In divorce ( XX/XX/XXXX-XX/XX/XXXX ) I was given a home that never had been properly apprasied/or assessed in divorce and apparently years before-even though I tried to tell judge this in divorce, etc.As with many things in thsi divorce, much was not either not done properly ( i.e. actual and true docs/testimony of ex/his lawyer ) or not at all ( SS, bank, loan, statements submitted ). Anyway, when I learned that ex had refinanced ( found out after divorce when I contacted Ocwen ), and I was trying to get them to do so with me, ex was trying to not be found out and my lawyer failed to help me when I was having problems with them ( though she knew I was had health issues, etc. ) and basically I had been lweft with a huge mess as it turned out. I contacted right away XXXX ( Iowa XXXX ) in XXXX XXXX and in XX/XX/XXXX I got contacted that they had contqacted Ocwen, but I was n't on the paperwork=to amke this short from XX/XX/XXXX-XX/XX/XXXX i had o lawyer ( legal aid on several attempts as well as XXXX ) failed to help me or anything-it went to forecloseure, even though I showed Judge XXXX XXXX ( who had been judge on settlemt conferecnes in divorce anddivorce, etc. ) that the lawyers helping Ocwen ( XXXX XXXX ) had siad they knew Ocwen did n't want to acknowledge me since i was n't on paperwork ( they wanted to go around court-i was suspious and concerned since I did n't have legal counsel, so I hoped soemthing would get resolved ith XXXX, etc. ) I still live in home, partly cause things were n't done right, home was under what they were told by ex it was worth ( {$83000.00} and when i had help getting county assesssor to look at home XX/XX/XXXX, she said home not worth even XXXX {$2000.00}. ex had a {$50000.00} or more laon on it ) I almost died as well, when furnace was leaking CO2 and almost exploded XX/XX/XXXX-as stated before, judge knew there were issues with home durng divorce. I contacted Iowa Attorney 's Office as well in XX/XX/XXXX, and subsequent years=i have been trying to get people IAoffice and other sto help me get part of settements that have been happening last sevral years with no avail When I recently conatcted Ia.Attoney 's office in XX/XX/XXXX and XX/XX/XXXX i was told newer settlements have been happening and fraud concerning people having to get high insurance on homes that was either unresonable or not relevent. I believe I qualify on all these issues. I am on XXXX and my home is not greaty livable=I need someone to really help me, because others have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are XXXX fraudulent XXXX accounts being reported on my credit bureau reports. XXXX is a XXXX XXXX credit card ending in # XXXX and the other is a XXXX XXXX XXXX account ending in XXXX. I have sent several notices to all XXXX national credit bureau agencies XXXX, Equifax and XXXX XXXX advising them that they are fraudulent accounts and have demanded validation from the creditors. Unfortunately, to no avail I have not received any information and they are both being reported as derogatory accounts. This is having an adverse effect on my credit rating. The accounts appear to have been opened by someone in my family and or household who has access to my personal information. This violates federal law under the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I Applied for credit at XXXX, XXXX, XXXX and XXXX XXXX. 
trying to establish credit, I have been rejected by all inquiries, stating that Ihave low score reported by TransUnion LLC Consumer Relations CenterXXXX XXXX XXXX, Pa XXXX XXXX. I am young and feel Ibeen Discriminated Based on my age and or Race, as a result of myapplying at these Companies for Credit, all I have Obtain is a lot of HardInquiries that are now having an Adverse Effect on my credit Score, just byInquiring to get Credit. The Federal Equal Credit Opportunity Act Prohibits Creditorsfrom Discriminating against credit applicants [ Provided the applicant has the capacity to enter into a binding contract. Prohibited Practices 12 CFR 1002.4 A creditor shashall not make any oral or written statement, in advertising or otherwise, to apllplications or prospective applicants, that would discourage on a prohibited basis, areasonable person from making or pursuing an application. Regards to the Creadit Scoring System, any system other than the Empirically derived andStatically Sound is a Judgmental System. I currently have to contact these companiesCompanies that I applied for Credit and ask if they can send from eachthem a Letter to TransUnion LLC Consumer Relations, requesting, if I canget these Hard Inquiries Deleted off my Report, only because I Applied forCredit. Being Young and just able to Apply for Credit, has been DiscouragingNot knowing the more I applied, that this would also hurt my Credit Reportwith these Hard Inquiries, and Obtaining still No Credit Opportunity toEstablish Credit, Now I only have Hard Inquiries on Report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Account opening, closing, or management

Complaint: Chase Bank will not let me close my XXXX account. My XXXX has been closed over 3 years ago. I have no active XXXX. It was an XXXX registered XXXX. I added my brother to the account when I opened the Chase XXXX account. When I tried to close the account, they said my brother was on it and they could not close it. I had my brother go to a Chase Bank XXXX where he lives and show identification while at the same time I was at a Chase Bank here XXXX, where I showed proper identification. We had a conference call with XXXX parties on the line and Chase Bank still refused to close my account. There has been no activity on my account. They keep deducting {$12.00} monthly from the funds I have left in the account. I want to close my account. Please help. I do not know what to do next.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: Experian committed fraud and damaged  my credit score. I comp lained to a Experian associate on  XXXX / XXXX / 2017  about  XXXX  collections on my report that were wrong and low and behold on  XXXX / XXXX / 2017  Experian made the criminal action of dropping my score  XXXX  points for no other reason than spite! There is not one single solitary change on my report that would cause my score to drop in 3 days! There needs to be a government agency to watchdog over these corrupt credit reporting agencies. On their website they offer no reason as to why they dropped my score  XXXX  points and I checked the other agencies my scores actually went up so I only can figure Experian has broken the law and damaged my credit for no legitimate reason. I 'm getting tired of having to complain all the time with the corruption that goes on with these agencies. I know this complaint will probably do nothing and I 'll probably have to contact my attorney but I 'm trying to find a solution before it has to get to that point.

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 07/28/2016 about Debt collection (Mortgage) with Blakely-Witt and Associates, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have XXXX filings in my credit for XXXX apartments that I 've never lived in. They are still on my credit report. I have letters explaining these issues. Also, I looked these properties up, they do not exist. Another company took them over and now are a different name. I do n't know what to do at this point. I 'm trying to live at another apartment complex and this is the only thing holding it up. Please tell me what I should do. This is very frustrating. XXXX is from XXXX, XXXX went to this collection agency in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I filed a complaint through cfpb on XXXX XXXX, 2015 about a debt that did n't belong to me for XXXX XXXX that XXXX XXXX XXXX was collecting on. 

At the time, there were XXXX accounts that were affecting me and we reached an agreement that I would pay off XXXX account and XXXX XXXX XXXX would remove the XXXX account from my credit report and consider it resolved. 

XXXX XXXX XXXX followed through with what they said and removed the account from my credit report, but that account has apparently now been sold to another collections company ( EOS CCA ) who has put the account back on to my credit and started collection attempts on the account that was supposed to be resolved. 

The case number that was created before is XXXX and has a related case number of XXXX. The XXXX century link account numbers are XXXX and XXXX. Account XXXX is the account that was removed and apparently re-sold to another collections company. Account number XXXX is the one that I paid. 

I have attached a copy of the accepted complaint from the original company.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Bank account or service (Checking account) with GLOBAL CLIENT SOLUTIONS, LLC (FL).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2016, I received a letter from XXXX XXXX XXXX that a check was presented for payment in the amount of {$110.00} from Global Client Solutions of XXXX, XXXX. I had just {$100.00} in the account so FCU returned the check and charged me a {$41.00} NSF fee. I have never ever heard of Global Client Solutions and did not write them a check or provide anyone with that name my checking account information. FCU did refund the NSF fee but I was forced to close my account since it 's obvious that someone has my check account information illegally. I want action taken against this company.

Company response to consumer: Closed with explanation