milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My Name is XXXX XXXX XXXX XXXX. Me and my dad share the same name However they put his information on my credit report. Such as tax liens and child support and other collections that I 'm not associated with. I would love another accurate credit report. It took me forever just to get this one and it is n't correct I 'm very upset with the services. My social is XXXX ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2017 about Checking or savings account (Checking account) with BB&T CORPORATION (MD).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: they blocked my account for no reason. This lady was being unethical and my son reported her and she is upset and place my account on hold for now almost 30 days for no reason. They have been provided all information and still have placed a hold on our account.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America had court proceedings in reguards to obtaining ownership of my home without infirming me claiming thet did not have no clue where I was located .Which is not true because along with this complaint I will fax to you documentation showing they knew exactly where I was and could have informed and sent paper work to the right address so I could of been at them court proceedings. Ihave reason to believe Bank of A MERICA SUBMITTED FALSE GOOD FAITH AFFIDAVITS in order to steer the courts into believing that they could not inform me .Which in turn took away my rights to obtain back ownership of my house and any other possibilities in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This collection agency continued to call my CELL PHONE from an automated dialer after I asked the to remove my phone number over three times.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I opened a Santander bank account which was opened around the  XXXX  of  XXXX ,  2017. This ac count had a bonus offer terms of {$220.00} attached to it for having a direct deposit of {$500.00} or more within 90 days. The bonus requirements were met properly according to the terms I will attach to this notice. The bank erroneously closed my account before posting the bonus and claimed I had never sent the signature card for the account back to them. However, the signature card was sent to the bank using the prepaid envelope they enclosed with the account welcoming package. The bank made no attempts to contact me via any method in order to resolve this issue. It seems apparent that the bank decided to close this account to avoid paying the bonus offer out because their terms and conditions were recently updated to list several states, which does not include the state I live in. However, those terms were not included in the original account opening that I performed.

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 01/23/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed with Equifax and XXXX for an unverified and inaccurate account in regards to an account with XXXX. They both returned verified without proper verifying documents such as a signed contract, ID, SS card, or other concrete verification. They both completed their investigation but failed to see the inaccuracy and inconsistent information of what is being reporting. All three bureaus are reporting different information. I mentioned this in a correspondence with XXXX and again they did not properly investigate. In compliance with the FCRA 623 ( a ) ( 8 ) ( D ) I am requesting accurate information be reported and both parties have failed. It is my understanding that Equifax make money for reporting information and the lower my score the more they make. As long as they verified information and the accuracy of it, they can continue to report. Well I have proof that the information is inaccurate and also unverified. XXXX correspondence is contradicting what they are reporting. It also states they verified my identity through an email address and online application. I want my creditworthiness to be restored! They need to report accurate and consistent information. Also completely verify my identity before including this information on my report. Verifying my information with an email address, an online application, and billing statements are not verification. I have not received a thorough investigation from Equifax or documents requested of verification. The documents I received from XXXX are clear that the delinquency dates are not accurate, the amounts paid and received are not accurate, and the identity verification is not accurate. Due to their failure to complete the investigation and report accurate information, I 'm requesting this to be deleted permanently from my file

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My husband and I paid all our rent on time & gave notice before we moved out. We had a walk through and did not owe any money for any damages. We did however forget to ask for our security before we left the state. Months laterthe company that owned the apartment sold the complex and we were somehow charged with owing them more than our monthly rent. We found out about the debt while being denied an apartment. I did all I could to resolve the matter. We contacted XXXX and they said they had no record of us owing anything. We contacted the creditor that owns the debt, ncc business services, and they told us they could n't help us, so we disputed the claims on all XXXX credit bureaus. We have been able to get the debt off our other credit reports but transunion " will not '' remove this inaccurate data from our reports. This has caused us to lose future housing and get higher interest rates by lowering our credit scores. Now we 're out even more than a lost security deposit.

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 04-01-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AL).
Issue: Problems when you are unable to pay

Complaint: In XXXX I purchased aXX/XX/XXXX dodge ram truck, at the time we lived in XXXX XXXX. I was financially stable to make my payments, in XXXX XXXX my daughter gave XXXX to XXXX in XXXX XXXX they were 3 months early, they were in XXXX.my wife and I had to move to XXXX XXXX to help take care of our other grandsons who were XXXX and XXXX my daughter had to stay XXXX. well I took a job with a guy and he paid me fine to start and then he did n't and I had to call Chrysler and surrender my truck in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Debt collection (Medical) with Receivable Recovery Services, LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/XXXX, I joined XXXX and received a FicoScoreXXXX credit report. At that time, I discovered a collection reporting from Receivable Recovery Services. This was my first knowledge of this alleged debt as I did not receive any prior correspondence from this company. This company refuses to fully validate this alleged debt ( see attached correspondence ). I have never in my life been XXXX. I divorced and later remarried in XX/XX/XXXX. My current husband has not been XXXX during the entire time he has lived in Louisiana. Although this debt is disputed, as of XX/XX/XXXX this company continues to report this collection activity ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Debt collection (Non-federal student loan) with Gaba Law Corporation (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I currently have XXXX private student loans which were sold to debt collection agencies. The first loan has sent me an invoice with what I owe, total interest, a breakdown of monthly payments due, and when my loan will be paid off. The second loan is with an unregulated debt collection office called Gaba Law Corporation. The only actual lawyer there is the owner and the XXXX people I have dealt with are not lawyers. When I ask them for info on what interest will be charged and how much interest I have paid up to date, they do not give me straight answers. The person who handles my file is very short with me and instead of giving clear info like how much interest I paid for the month or by when my loan will be paid off, he sends me short, irritated emails with vague information. In XXXX my balance was {$7200.00} and I have since paid {$470.00}. My balance is now {$7000.00}. Only 40 % of my money went to principal. 
My other debt has charged me 10 % for the total amount owed annually, so it 's a set amount for the year and I make monthly payments which lowers the principal substantially. Gaga Law Corp. charges this 10 % interest per day, and changes the amount every single day so I can never keep up with what I have paid and what I owe. As far as i 'm concerned with what I can afford to pay them I 'll be paying them for countless years considering the amount of interest I am being charged. I have emails proving all of this information above showing the vague, unhelpful, rude emails they send me when I ask for simple information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XXXX XXXX, I sent a letter Equifax asking them to investigate errors on my credit report. Thirty days have passed, and I did not receive a response. I started writing Equifax follow-up letters asking for the results of my investigations, but I still have not received a response. It has been almost 3 months now, since my original letter.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: A credit card account for a business, not for my personal use, was opened the business ' federal tax ID number. I was not the head of the business and when the business had failed and did not pay its credit card balance, it was reported under my personal credit report. Ultimately, this credit card account was paid for in pull for less than the full balance and closed. However, this remains as a derogatory mark on my personal credit report even though I was not the head of the business and did not have any financial decision making power. All three credit reporting agencies refuse to remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Vehicle loan or lease (Loan) with PRESTIGE FINANCIAL SERVICES INC (AL).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I purchased a  XXXX   XXXX   XXXX  in  XXXX   XXXX  and paid on it until till  XXXX   XXXX . I ran into financial trouble and voluntarily let the car go back. Now the loan company prestige financial has sent me a summons for the amount of  XXXX  dollars when I bought it for  XXXX  dollar. It was repo in  XXXX   XXXX  and sold to auction

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VT).
Issue: Payoff process

Complaint: I have paid Capitol in full XX/XX/XXXX, the negative information for XXXX XXXX & Capitol are not mine. The XXXX County civil claim may be from XX/XX/XXXX it was settled by court. It was XX/XX/XXXX so it is the only account aware of.If reinstatated. I was never notified.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifax has taken longer than 30 days to complete an investigation. The XXXX and myself have made several contact to XXXX - and we have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (PR).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I opened an account with USAA in XXXX XXXX, and later closed it because I was XXXX while on XXXX XXXX with XXXX XXXX. I recently re-opened an account with USAA on the XXXX of XXXX, XXXX. On the XXXX of XXXX, of the same year, I was debited {$25.00}, and later on the XXXX of the XXXX {$140.00} and {$190.00} were debited. I called USAA to inquire why I was being debited and to request the evidence. USAA told me that they did not know, because since 7 years the database automatically erased my previous information. I told them they need to show me evidence of the reasons why they are debiting me, from the recently opened checking account and they said they do not have anything in the system. Nevertheless, they still debited {$360.00} from my account without a valid reason!!! I can not believe this, is this the way a veteran of 20 years of service ought to be treated?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-11-2015 about Consumer Loan (Installment loan) with Sortis Financial, Inc. (KY).
Issue: Managing the loan or lease

Complaint: I started a deed to land contract with XXXX XXXX XXXX XX/XX/XXXX. The loan was then sold to Clear Spring Loans XX/XX/XXXX. This company then started to report this as a conventional home loan/mortgage. I have never had a home loan or mortgage with this company nor any other company and I am looking to have this and all record of it removed from my credit report. I have repeatedly contacted this company in writing and in phone calls to have this resolved and have not been given anything in writing and definitely nothing in the phone calls. They have since started to report incorrect late payments on my report and have stopped reporting ontime payments. They are intentionally hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Debt collection (I do not know) with ERC (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I called the number on my answering and gave the reference number, and it is not for my family. I informed this " XXXX XXXX '' at the number that I did n't know the person the debt belongs too. I also informed her that since this is a recorded line, that I have ask in the past 6 months for them to remove my phone number. Obviously, it has not been done, still.

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 03/31/2015 about Debt collection (I do not know) with Lockhart, Morris & Montgomery Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed
Consumer complaint received 04/18/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Credit card protection / Debt protection

Complaint: I MADE MY WIFE AN AUTHORIZED USER ON MY AMEX ( ACCOUNT OPENED XX/XX/XXXX ) BELIEVING THAT IT WOULD HELP HER CREDIT AND THAT AMEX WOULD DO AS OTHER BANKS. IT ENDED UP DAMAGING HER CREDIT SCORE BECAUSE IT APPEARED AS OPENED IN XX/XX/XXXX. WHEN I CALLED AMEX THEY ADVISED THAT THIS WAS THEIR PROCEDURE AND I COMPLAINED BECAUSE THEY HAD NOT DISCLOSED THIS TO ME OR MY WIFE. WHEN I ASKED THEY REVERSE THIS THEY ADVISED THIS WOULD THEN APPEAR AS A CLOSED ACCOUNT ON MY WIFE 'S REPORT EVEN THOUGH NEVER DISCLOSED ANY OF THIS TO HER.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I check my creditor score and XXXX of XXXX was on it,

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Billing disputes

Complaint: Chase credit sold credit cards that was not mine to XXXX party robo card collectors. It is still showing up on XXXX. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (NV).
Issue: Application, originator, mortgage broker

Complaint: My husband and I applied for a VA loan with Quicken Loans in XXXX, 2015. In good faith, we paid our {$400.00} deposit to be used towards expenses closing this loan. Our appraisal was completed and our home value returned at $ XXXX. Due to unforeseen circumstances, we were unable to move forward with the VA loan and decided to switch to a conventional loan. I was told repeatedly that this would not be an issue based on our good credit ( an excellent score of XXXX ) and income ; and even received a good faith estimate that we would need approximately $ 3k to close the loan. Suddenly, we were advised that a new appraisal would be needed and that one was returned at only $ XXXX, which meant that we would need over $ 18k out of our pocket to close the same loan. To add injury to insult, that reduction in value was after we had just spent $ XXXX in paint, new carpet, and tile work in the house, and the market value in the area has increased based on all realtor websites. I am not sure how one persons opinion ( which is what an appraisal is ) can drop the value of our home by $ XXXX. Quicken refused to use the XXXX appraisal as they said it was a VA appraisal and now we have a conventional application - how is it fair that the same Veteran lives in this house and because we ca n't get the VA loan, now our home is worth less and we are being penalized by being asked to come up with another $ XXXX in cash to close our loan? That sounds like discrimination if I have ever heard it!. This saga has dragged on for over 3 months - and now we are unable to move forward with our refinance due to the undue burden Quicken has placed on us. I have repeatedly asked Quicken to reconsider use of the original appraisal - and they refused. Not getting the VA loan just makes us less of a customer to them. I also asked then to have our {$400.00} good faith deposit returned as we did everything we were asked to do and spent day after day, hour after hour working with them ... calling them ... .having to follow up on them - what horrible customer service! Again the refused as clearly I am not a customer who can make them enough money to want to move forward. This has been the WORST customer experience we have ever had and I hope that no one else has to deal with the same level of incompetence that we have experienced with Quicken Loans!

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (I do not know) with The CFM Group (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On Thursday, XX/XX/XXXX at XXXX, I received a call from XXXX XXXX of XXXX. " This call is in reference to a formal complaint that has been processed to my office for final actions to be made ''. " Please be advised there is a limited time for me to send out my recommendation regarding this matter ''. " This complaint concerns yourself and the property located at and verified at gave property address ''. It is imperative that you get in contact with the office by the end of the business day. That number is XXXX XXXX XXXX At XXXX I called the number and spoke with XXXX XXXX, Consumers First Management Group who advised me that I owed XXXX {$1800.00} for a loan that I took out XX/XX/XXXX in Virginia. He stated that they were going to place a lien against the property and provided me with a discovery #. I advised him that the social security number he provided was not mine ( but it was ) and to this he stated that " if it is not yours then you have nothing to worry about '' and " they gave you a favorable credit rating on your credit report ''. I told him that I did not borrow any money nor were there any CIT Banks in VA. He told me to call the bank. 
I looked up the bank and the closest one to me was in NJ at XXXX and the security guard answered the phone and told me that the bank was closed. As soon as I hung up, my sister called me from out of stat and stated that someone had called her to accept a package on my behalf and she was concerned as to how they got her telephone number and refused to accept anything on my behalf. 
This morning XXXX from XXXX called from the number of XXXX XXXX XXXX and ask that I give her a call back at XXXX XXXX XXXX or XXXX ( call was muffled at this point ) Reference Number XXXX. 
At this point, I am so confused and concerned. I notified my bank and I will reach out to the credit bureaus to advise them of what is going on. Please help me.

Company response to consumer: Closed with explanation