milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have had my credit cards stolen and my identity information compromised and asked TransUnion to put a freeze on my credit reporting. The other 2 majors ( XXXX and XXXX ) did this without charge but Tranunion will not ... want to charge me XXXX  dollars ... by credit card that they may have allowed to be hacked I believe that TransUnion is the breach of my info.

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 04/25/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax has allowed " XXXX XXXX " in reporting negative and INACCURATE information on my credit profile from an account of a leasing machine XX/XX/XXXX. 
This is NOT my account, I NEVER signed for this account. According to XXXX XXXX, this account was activated in XX/XX/XXXX. I was not an owner of this business at that time, but purchased the business until XX/XX/XXXX. I have informed XXXX of this and that this is not my account several times. i sent a signature affidavit to Equifax as proof along with a fraud complaint. The Illinois State agency shows i was NOT the owner of this business related to this account in XX/XX/XXXX. Yet Equifax has continued to report this along with a civil judgment from Same creditor on my personal profile. 
This has significantly damaged my credit profile as well as interfered in business transactions and growth. It has created a mental and financial hardship. 
XXXX is well aware I was not a signor on this account, and so now is Equifax but have reported negative information on my credit profile anyway. Furthermore it has come to my attention that XXXX has been the target of many lawsuits due to their unethical practices. Again, XXXX is a company known for illegal, unethical and fraudulent claims against consumers, and in spite of the evidence being presented Equifax credit bureau has failed to remove this inaccurate account ( s ) from my credit profile, and i have been disputing this for over a years time now. 

ALSO, This company has pulled my credit continuously without my authorization whatsoever which Equifax has allowed them to do despite my objections. This has created a hardship for me and has done considerable damage in my life both XXXX and financially.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NE).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: I missed one ( 1 ) payment in the 17+ year history of this account, and my credit limit was slashed from {$25000.00} to {$7800.00}. Missed payment was due to a family emergency where I had to travel out of town due to an ill member of my family. Bank of America has failed to recognize my long standing payment record, relationship with XXXX XXXX, and claims they have attempted to contact me when in reality, they have not.

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 10/16/2015 about Credit reporting () with Experian Information Solutions Inc. (DE).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: I wanted to close a security freeze lift I had placed on mycredit file earlier than originally input. Experian providesno means to accomplish this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient appears to be over charging interest. When I asked for detailed billing to show how the interest charges accumulated they were unable to show daily charges. They provided no documentation. In order to get the XXXX-XXXX harassing calls per day, and to stop the massive interests charges - myself and my grandson borrowed money to pay off the loan. I filed a complaint with the BBB and to date we still do n't have any proof of how payments were applied and how interest charges accumulated.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: After the Equifax data breach debacle, I undertook steps to order credit freezes with all three credit bureaus. Experian has refused to accept an online request from me for a freeze. They have refused to accept an upload of documents they require to implement the credit freeze XXXX their system XXXX giving either an explanation of system is not available or else can not upload documents in spite of them being in the correct required format ( PDF ) and below the size limit. This occurred on XXXX XXXX, XXXX and on XXXX XXXX, XXXX. Additionally, I tried to order a credit report, and received a message that I could not be identified in spite of supplying my legal name, social security number, and address at which I have resided for the last 12 years. 

Additionally, all requests for freezing accounts have been followed by offers for security monitoring to be purchased through Experian. They can not find my account to issue a credit freeze but seem to be able to do so to sell me a product they are offering. 

The only resolution to this problem is to send Experian the required personal information, including social security number and date of birth, through the XXXX Mail. I have completed this process and am now awaiting a response from Experian where I will supposedly be sent a pin to be able to access my account in case I need to temporarily issue a credit freeze lift.

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 06/24/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I recently contacted XXXX to dispute XXXX accounts on my credit report from XXXX XXXX Bank and LVNV Funding , LLC. The investigation took less than a week and it can back as updated. When I looked at the date of account reported to the credit bureau, it went from XX/XX/XXXX to now XX/XX/XXXX after I made a dispute. I sent a letter of validation to XXXX, XXXX and XXXX asking them to validate that I owe the debt on XX/XX/XXXX. They have not responded or validated that I owe such debt as of yet. LVNV funding, I believe is a fraudulent collection agency that works under several alias such as XXXX, XXXX and XXXX and several others. I do not believe that this account is mine. I also do not understand how XXXX different agencies are collecting and reporting for one account. I highly doubt that what they are doing is legal and would like the Consumer Financial Protection Bureau to look into it. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Commonwealth Financial Systems, Inc. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Commonwealth Financial c urrently is trying to collect a debt for the amount of {$930.00}. They have kept this on report when they also do not have a license to collect in the state of Florida. I have contacted them asking for the removal and also forward this information to all   XXXX   credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XXXX XXXX, XXXX, at XXXX XXXX., I received a phone call from ( XXXX ) XXXX from someone identifying himself as a representative of Midland Credit Management or Midland Funding. The call lasted 4 minutes, during which he verified my personal information and asked me to verify a debt. I told him I was not sure what he was referring to. He also asked if he was contacting me on my cell phone, and I told him yes. He asked if he had permission to continue contacting me on my cell phone. I told him no. I received the following calls at the following times : XXXX XXXX, XXXX - 3 calls - XXXX XXXX., XXXX XXXX., and XXXX XXXX. 
XXXX XXXX, XXXX - 2 calls - XXXX XXXX. and XXXX XXXX. 
XXXX XXXX, XXXX - 3 calls - XXXX XXXX., XXXX XXXX., and XXXX XXXX., XXXX XXXX, XXXX - 1 call - XXXX XXXX. 
XXXX XXXX, XXXX - 2 calls - XXXX XXXX. and XXXX XXXX. 
XXXX XXXX, XXXX - 2 calls - XXXX XXXX. and XXXX XXXX. 
XXXX XXXX, XXXX - 3 calls - XXXX XXXX., XXXX XXXX., and XXXX XXXX. 
XXXX XXXX, XXXX - 2 calls - XXXX XXXX. and XXXX XXXX. 
XXXX XXXX, XXXX - 1 call - XXXX XXXX. 

According to my phone records, they have attempted to contact me 19 times on after that initial phone call on XXXX XXXX, XXXX, during which I told them they did not have my permission to call my cell phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: My personal information was compromised and I received notice of this through a credit monitoring agency. I have had inquiries that were disputed and taken off, then reinserted. I have had accounts that were taken off then reinserted. Balances and accounts that were discharged now reporting as open with balances ; transunion AND XXXX both continue to report. With both CRA, accounts that are closed either reporting as open or still even being reported when they should not be reported as accounts that I have. I 've added a sample of the way accounts that have begun to reinserted, in the document attachments. I 've placed security freezes to support safety in my 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 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
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: Capital one issued a debt collection/charge off account on my credit report ( XXXX, XXXX and XXXX without verifying the debt and a contract with my signature. They poated the report to all three bureaus without notifications me of the debt. I advised that this was not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Vehicle loan or lease (Loan) with EXETER FINANCE CORP. (GA).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: My family and I have made on time payments every single month. These payments which total to {$290.00} per month have not in any way affected our overall balance EXCEPT by {$63.00}! Out of {$580.00} only {$63.00} has been put towards the actual balance. With an original amount financed which proof is included in the photo of {$9500.00} out of {$580.00} our balance is {$9500.00}. I have attempted to talk to these people  Exeter Finance  and refuse to deal with the ignorant misleading and predatory lending company that this is. I have read NUMEROUS reviews on this company regarding the exact same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Settlement process and costs

Complaint: I was told I would get a refinance with no points or lender fees. I had conversations with the agent regarding no fees. When the broker sent the me the loan docs ( with no walkthrough or help ) he tried to attach {$1500.00} lender fees into the existing loan, effectively increasing the amount owed. When confronted, he became confrontational and defensive.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: the following accounts were disputed over 30 days ago and were not either validated or investigated fully. the receipt of the initial investigations are attached. the following accounts should be deleted from my credit file for non-compliance. 
XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file

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 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: TRANSUNION IS REPORTING XXXX XXXX ON MY CREDIT REPORT. I HAVE ASKED FOR VALIDATION OF THIS DEBT IN WRITING TO ME FROM TRANSUNION. THIS ACCOUNT IS PAID IN FULL AS A TITLE LOAN.

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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Earnest Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hi i inquired about school loan consolidation with this company called earnest. the form was online and I did not know that they were going to check my credit they just said i can find out about lowering my rates on my loans. later i saw they did a hard inquiry on the credit file. The inquiry is on   XXXX   from  XXXX   XXXX ,    2017  ..I sent them a certified mail requesting them to remove it and they would not. I also talked to someone by phone at their company who also said they would not remove it although they had no evidence that i approved this inquiry. So now I am contacting you for help since they will not do anything about this.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (Payday loan debt) with Integrity Funding Ohio, LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This was a payday load with a very high-interest rate ( over 40 % ). My husband was in the XXXX and activated to full-time when I received this loan. I did not know about the laws concerning lending to military families. Furthermore, we qualified for SCRA so the rate should not have been more than 6 %. I called the company. the amount I had already paid back was over principal + 6 %. It was sent to collections and is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Debt collection (I do not know) with Credit Protection Association, L.P. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The number ( XXXX ) XXXX has called me XXXX a day trying to collect a debt. It is a machine when I answer and call back. The machine asked for a payment and I refused. Then it asked for my zip code and I gave it to them. It said they could not find an account. They continue to call. I do n't have any debt as I am young. I blocked the phone number and then ( XXXX ) XXXX proceeded to call me XXXX a day. Same thing as before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: On XXXX I submitted a request to XXXX Equifax and XXXX. Transunion is the ONLY one who complied. Equifax and XXXX have yet to respond or comply with my section 609 request as of today X/X/2017. I requested that they provide me PROOF of verification verses a verified response as I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (KS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation information is inaccurate no knowledge of accounts sent to credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: Attention : Credit Bureau Disputes Department Over 30 days ago I wrote to your institution advising you of negative account information on my credit report which was flat out incorrect and erroneous. I researched the information and after not having the creditors able to validate any of it, I only then reached out to you by mail to get these items removed. Much to my disbelief you claimed that these items were largely valid and would remain on my credit report. The same creditors you claim to have contacted are unable to verify the accuracy of the account information

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 02-10-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with Selene Finance LP (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I am writing to request assistance in an issue I am having with Selene. I really need my document from XX/XX/XXXX. I believe it will be XX/XX/XXXX. My underwriter has requested it and I can not find my copy. We were supposed to close XX/XX/XXXX and I called XX/XX/XXXX to request copy of this completed document to be emailed to me. The girl I talked to said she would put rush on it because my lender wants it. The sellers are anxious and have already worked with us and now are saying that they can not wait until Mid XXXX to find out if the document arrives. I say mid XXXX because today XX/XX/XXXX, when I followed up the girl I talked to said it was scheduled to be mailed XX/XX/XXXX. 

When I called in Monday I talked to a gentleman that said he would send it to printing and it would likely go out that day. Now I got a letter saying it could take 30 days to review request. The gentleman said he found it and do I dont understand the delay. 

I am begging you for assistance in this matter and praying it does not take 15 days to hear back from you. I can take a unofficial copy. I am renting house I am trying to buy do not getting means I have to move. Please help me. 

I eagerly await your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Mortgage (VA mortgage) with iFreedom Direct Corporation (TX).
Issue: Application, originator, mortgage broker

Complaint: I had spoken with XXXX XXXX of jFreedom Direct about a possible mortage and i told her i had a collect that i was working to have removed. She told me she wanted to get a copy of my credit report from all XXXX bureaus. I told her no. I again told her about the collection account and how i had to give them at least 30 days to respond. She aggreed to wait and we ended the call. I have credit monitoring and i was shocked when i received an email that XXXX had run my credit. I contacted them as i had never heard of this company. And never gave anyone permission to obtain my credit file. They gave me the name, address and phone number of a person named XXXX at iFreedom Direct who requested the report. As i have never spoken to this person, i called XXXX who admitted that there was indeed a manger named XXXX with her firm. She claimed that no one at iFreedom DIrect had run my credit. She called me later claiming she had a CSR from XXXX on the line to 'prove ' that they did not request my credit report. I told her when she got XXXX on a conference call then call me back. I have not heard from XXXX or XXXX. I never gave her permission to run a credit report. The address and phone numberof the iFreedom Direct person I was working with and that requested my credit file is : iFreedom Direct. XXXX XXXX XXXX XXXX, CA XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/XX/2012 my account reflects 90 days past due XX/XX/2012 my account reflects 120 days past due This applies to both loans. My account was current and no past due as reflected.

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 02/19/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My credit has been damage due to this judgement remaining on my credit. I have disputed this claim of judgement with all bureaus of investigation. XXXX XXXX, did not remove or offer opportunity to remove from credit.

Company response to consumer: Closed with explanation