milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I called into TransUnion on XXXX XXXX, XXXX and I spoke with Special Handling Supervisor XXXX XXXX. I informed her that there are invalid inquiries in my credit report that I did not do, nor did I authorize these inquiries on my credit report. I requested that she removes them or dispute them since they were not mine. I also mentioned to her that I had submitted a police report to TransUnion earlier this year that explained that my purse was stolen with my social security card in it and this makes me prone to possible identity theft. She refused my request, even though I informed her that i had reached out to the businesses who performed the inquiries, but they too have n't responded. I also informed her that the other two credit bureaus, XXXX and XXXX  had either disputed or deleted the incorrect inquiries from my credit report. Again, she refused. These inquiries are not mine and I should not be held accountable for anything that is not mine ; especially since I have reached out and tried to resolve the situation. Based on the Fair Credit reporting Act, any unauthorized inquiry must be investigated and proven valid. XXXX XXXX did not do this. In accordance with the Fair Credit Reporting Act, I request that TransUnion investigate my claim and if they find my claim to be valid and accurate, I need them to please delete the unauthorized inquiries. Furthermore, I ask that they send a corrected copy of my credit report to me. The following inquiries are incorrect and unauthorized : 1. XXXX XXXX XXXX XXXX requested on XX/XX/XXXX ; 2. XXXX XXXX XXXX via XXXX XXXX requested on XX/XX/XXXX ; 3.XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX requested on XX/XX/XXXX; 4. XXXX XXXX XXXX requested on XX/XX/XXXX ; 5.XXXX requested on XX/XX/XXXX. These 5 inquiries are unauthorized and invalid. TransUnion has refused to provide me with proper validation of the inquiries and they have not considered the police report because they state that they need a " proper law enforcement document, '' but a police report is a lawful and verifiable document. The other two bureaus investigated the invalid inquiries but TransUnion has refused to do so and they have not presented me with any proof that these inquiries are mine. The Fair Credit Report Act states that TransUnion must provide valid documents showing i did authorize these inquiries. PLEASE ASSIST

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 09-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan modification to save my home after falling behind on my mortgage payment. I fell behind because I was transferred by my job out of state in XXXX XXXX and then back again in XXXX of XXXX. I have now resolved that hardship and I am living in my home and back to work. I applied for assistance and SPS ( Select Portfolio Servicing ) made an error in my review which resulted in a denial letter dated XXXX XXXX, XXXX. I have since hired an attorney to assist me in re-submitting my application pointing out the error on the last review asking them to correct the error and review me again as this was their error and not mine. SPS is refusing to review me and correct their error. They have set a sale date and are telling me I will be foreclosed and they will not correct their error they made and allow me to at least be considered without error for assistance in saving my home. The error on that review shows up on Item # XXXX " Monthly Real Estate Taxes ''. It shows a false amount of {$600.00} per month for my property taxes. My actual property taxes are only {$110.00} per month. Since there was an error on that review I would like them to correct that error and review me again for assistance. Another change in my circumstance is that my wife no longer works. This reduces our household income and also affects the review. Both of these taken into consideration I believe I may qualify for a loan modification to save my home. SPS simply says I ran out of time. My attorney submitted a full financial complete package on XXXX XXXX, XXXX. It was confirmed received by SPS on XXXX XXXX, XXXX. My attorney spoke with SPS today and they stated they ignored that application and will not review me for assistance. They state there is no time since the sale date is on XXXX XXXX, XXXX. Considering THEY made the error on the review and not me, prior to my Notice of Sale which was recorded on XXXX XXXX, XXXX. I think they should allow me to be properly reviewed for assistance using the correct values for my NPV chart and review. I think their excuse that my application was not early enough is not valid since they made the error in the last review and not me. I would like for them to post phone my sale date and accept my application that was submitted on XXXX XXXX, 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 11-07-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The following inquiries are fraudulent and need to be removed from my credit report. I spoke with a representative on this situation as well as disputed them online and nothing happened. I am a XXXX Veteran and a member of a protected class. I will resort to legal options if this continues. 


Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX XXXX : XXXX - XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX : XXXX INFO SERVICES : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax has allowed unauthorized inquiries that have no permissible purpose to be reported on my credit file. I am asking that they supply me with the written authorization form from the creditors or remove the inquiries. I never spoke to or authorized these companies to pull my credit nor was I given any line of credit with these companies. This IS NOT a request for any fraud alerts to be put on my file. I just want the following inquires removed as no permissible purpose exists. 

1. XXXX 2 XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 12. XXXX. 

I am demanding that these 12 inquires be removed as Equifax did not have my permission to share my file with these companies. I did not apply for credit nor did I get credit extended to me. I have written them several times asking for verification or to have these removed and they refuse instead stating that they have to report these for 2 years. Not without valid proof of permissible purpose and they do not have this proof so they are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I filed a complaint here earlier this year about XXXX. Since i filed the complaint the company claimed they send a letter to the credit bureau to remove the account from my report. XXXX and XXXX deleted the account but XXXX still reporting the account as collection. i called the company few times about XXXX, they said they already send a letter to them but when i disputed it XXXX said the company respond the debt is valid. I disputed the account again two weeks ago again XXXX said the conpany respond the debt is valid. This account is a bank account my exwife open with Citibank and went into collection. I do n't know whats their situation with her i just want to know how the account related to me. If this was a joint account then as i requested before, i 'm requesting the copies of the identification i used and the page i sign. I understand it 's their job to collect, well it 's my job to verify to debt they 're collecting. The Fair Debt Collection Practices Act, gives me the right to request validation of this debt. i have requested it, it was n't provided to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a collection account from XXXX XXXX on behalf of XXXX appearing on my XXXX and Experian credit accounts. I live in a complex where my cable is included in my cable bill, through XXXX in the amount of {$99.00}, and is paid monthly with my rent. I do not have an outstanding bill with this company. This inaccurate information needs to be removed from my consumer file as this is not my debt. I still currently live in this complex which means that my XXXX bill has always been paid on time as it is not even billed directly to me and must be paid rent or my rent would be delinquent.

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 02/14/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have never heard of this company nor have I ever had any business dealings with them. They have placed negative reporting on my credit report causing my credit report to go down tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Chase is refusing to credit me for {$5600.00} in fraudulent uber charges to my credit card on uber accounts that are n't mine. I 've spent  over 10 hours  on hold and talking with various reps to try to get the charges refunded. I itemized all of the charges and reviewed them with the fraud department, they said they would be refunded by this past monday end of day. They refunded a  few hundred dolla rs of them, but are now ( Thurs ) claiming the charges are under review. I had originally reported a fraud transaction in  XXXX  when a charge looked off.  Chase as ked for proof from  XXXX , they provided a document showing that the charge was on a separate account from someone who was not me, but refused to refund the charge. I had my first child on  XXXX  and did n't have time to look into the matter until doing taxes. I thought it was a couple hundred dollars, but when I reviewed my yearly statement, over {$5600.00} in fraudulent charged had been made. They 're attempting to brush me off hoping that I give up and pay the charge so my credit wo n't be damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Mortgage (Conventional home mortgage) with M&T BANK CORPORATION (NJ).
Issue: Struggling to pay mortgage

Complaint: I was approved for a loan modification, however the figures used were incorrect. I asked the bank to please relook at the figures before I committed to a loan modification. Bank states this is what they have on the financials for me Gross pay {$14000.00} Net {$10000.00} {$6800.00} - Extra income to work with each month. ( Wrong ) My actual income gross monthly is this : XXXX {$5800.00} Gross XXXX {$3000.00} Gross I was told by the bank that the foreclosure sale on XXXX.17 would be postponed while this was appealed.However the court docket shows as follows : Sheriff # : XXXX-XXXX Court Case # : XXXX Sales Date : X/X/2017 Plaintiff : M & T BANK Defendant : XXXX XXXX. XXXX, XXXX AKA XXXX XXXX XXXX XXXX , AKA XXXX XXXX XXXX, XXXX, ET AL Address : XXXX XXXX XXXX XXXX XXXX NJ XXXX Approx. Upset* : {$240000.00} Attorney : XXXX XXXX  XXXX, XXXX Attorney Phone : XXXX Status History Status Date Amount Name Scheduled X/X/2017 {$0.00} Plaintiff Buy Back X/X/2017 {$100.00} M & T BANK When I call the bank they state the home did not go to sale but will not instruct XXXX XXXX to correct the recording with the courts.

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 08/30/2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (NH).
Issue: Struggling to pay mortgage

Complaint: I tried for seven years to obtain a home modification. Since I was not receiving any help and after submitting multitudes of home modification packages, as well as thousands of dollars to catch up, I went to court and enjoined the mortgage and FINALLY received a modification. After the modification, I received a statement from Nationstar, indicating I am released from paying PMI, and therefor my payment was changed. I tried contacting XXXX, to no avail. Then I received a notice from Caliber Home Loans LLC stating they had purchased my note but XXXX was still my servicer and I was to continue to send full or partial payments to XXXX, which I did and the payment was returned. On or about XXXX XXXX, i received notice of foreclosure on XXXX XXXX, clearly disregarding laws of foreclosure notice. I contacted Caliber,  and they refused to speak to me. Although they claimed I am not the mortgage holder, they said a " cease and desist '' communications was in my file? How is that possible since they never communicated to me? I sent a letter in writing as instructed and received a letter back saying they were investigating my claim of " errors '' made. I then signed in to my XXXX ACCOUNT prior to the foreclosure and received a statement " your loan has been paid in full, if you are on automatic payments, you will be withdrawn and owe nothing further. 

On XXXX/XXXX/XXXX, I received notice, without any outcome of Caliber 's  alleged investigation, ignoring my requests for production of NOTE or production of document with my signature on " cease and desist communications, that my home was foreclosed. My self and my XXXX young sons are now being threated to be locked out of our home via Sheriff. The notice was from the sheriff was addressed to my teenage son, my mother, who does not reside here, and myself whom Caliber has claimed all along that I have no mortgage with them. The is the most heinous, egregious example of an unlawful foreclosure, using UNITED STATES POSTAL SERVICE TO SEND FRAUDULENT AND MIS LEADING DOCUMENTS regarding the same.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Credit card () with TD BANK US HOLDING COMPANY (NY).
Issue: Closing/Cancelling account

Complaint: I 've been having an issue with a TD BANK USA/TARGET CREDIT card.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AE).
Issue: Account opening, closing, or management

Complaint: The company said they mailed forms to me a post office box address which I never had. when I became aware of the issue in XXXX 2015, the representative asked me questions about the account and VERIFIED that the information on the account did not match my address, email and phone number. So she advised me to update my personal information so whomever opened the account would not be able to access it. The Rep. gave me a address in Georgia which i never was a resident of so I gave her my current address which was XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX. The date that account was open, I had no access to any kind of communication due to the fact that I was in basic training for the XXXX which I sent in the info the USAA proving that I was n't able to open a account. A couple months after I initially became aware of the account, I reported it to USAA fraud department, who said that my address and contact info matches which was XXXX XXXX XXXX ( The address that they updated not the original address used when the account was opened ). I do not believe that I should be liable for a account I was n't possibly able to open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Debt collection (I do not know) with ERC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have disputed this debt with multiple collection agencies. As soon as it is disputed and removed. It is then sold to a different company then the whole process starts all over again. I have disputed this debt with this current company, ERC, and informed them that I do not owe this debt. I have never been associated with the company that this debt has been purchased from. But this seems to fall into deaf hears. This XXXX dollars debt has been following me for the last four years and being sold to multiple collection agencies. My credit score takes a huge drop every time this shows up on my reports.

Please help me get rid of this issue and hope I do n't have to deal with this again.

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Debt collection (I do not know) with National Credit Systems,Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This particular debt was added to my credit report  XXXX   XXXX . I was unaware of this debt until I started working to rebuild my credit in  XXXX  when I noticed it for the first time only credit report. I have contacte d National Credit Systems multipl e times to verify this account and have never received a written notice that this debt belongs to me. They have nothing with my signature proving that I went into contract with them, and what they continue to do is remove the account from my credit reports, and then add it back. They continue to open and close this account and place it in various areas of my credit profile. They are harassing me and negatively affecting m y credit score  by removing and replacing this same item on my credit profile.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Debt collection (Federal student loan debt) with United Student Aid (USA) Funds (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had  a  XX/XX/XXXX  stud ent loan originally with  XXXX  that was sold to  XXXX  /USA Funds t hat was not consolidated with my total  Student  loans due to transferring loan providers/attempting to collect while I was still attending school. These smaller loans demanded to be paid the same $  XXXX /mo payments as my large loan which I could not afford while I was in school or after. They went into default before my loans were due for repayment after graduation in  XX/XX/XXXX  because I had no additional income with my large loan taking priority.     In  XX/XX/XXXX , these loans were paid off with the Department of Education. I sent proof to all  XXXX  credit bureaus and everything was reported paid. Last week, I checked my credit status again and found  USA   Funds/  XXXX  was reporting I owed {$19.00} and {$12.00} (  XXXX  totals : {$17.00} & {$10.00} on FAFSA site  XX/XX/XXXX  ) and it has been reported as past due since  XX/XX/XXXX . I have not received an invoice or bill for these outstanding balances . USA Fu nds does n't accept calls.  XXXX  does n't reflect I have an account any longer so I can not access information from them directly. I found that  XXXX   XXXX  in MA is handling their disputes now but no one is providing me any information so I can pay or have these amounts closed.     I understand  USA f unds has agreed to refund $  XXXX  in fees charged, and I am sure they want to get something out of me or  the Dept of Education. However, my debt was paid to the federal direct loan provider, and my balance should reflect {$0.00} owed by USA  Funds/  XXXX   as well.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Credit reporting () with Clarity Services (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am current member of XXXX, XX/XX/XXXX I received an alert stating I have a new credit inquiry. Since, I am currently in the process of pre-qualifying for a home, I was very curious to see why there was an inquiry on my report. The name of the company is Clarity Services, there is currently an inquiry from them on my report. I distinctly remember the day before I unsubscribed from a least XXXX places in my email that were asking me to finalize payday loans. I attempted to contact Clarity Services on more than one occasion, each time I was on hold to speak with a representative for at least 30-45 minutes. I want the company to provide me with proof that I authorized them to access my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Credit reporting () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed inquiries that were not made by me however I have not heard back from them.

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 02-03-2017 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Rewards

Complaint: I have an AMEX Platinum Card, which had a promotion for opening the card and using {$3000.00}. The promotion was XXXX AMEX Membership Rewards points. 

I got the card, used it and spent the {$3000.00}, and the promotional points are listed on my account. 

Now I try to use the points with an AMEX airline partner, and they halt the transfer stating that my points are " under review ''. 

Initially, they told me that the review can take 6-8 weeks, so I should try again after 8 weeks. I tried again and again, each time they gave me new timeframes, but now it 's almost 12 weeks and they still say it is under review. I called them today and now they are saying that they can not know how long that 'll take since it depends on in their " corporate office '', and the complaint they opened about it with the corporate office was closed with no explanation or answer!

Company response to consumer: Closed with non-monetary relief