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

Complaint: Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. Through severe negligence in data security, they allowed a data breach to occur in XX/XX/XXXX and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They failed to notify victims in a timely manner, putting us at further risk. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I pulled my annual credit report from in XXXX of XXXX. I noticed a debt in the name of Fair Collections and Outsourcing listing an account for a previous apartment complex that I used to live in by the name of XXXX XXXX XXXX. I instantly knew the figures listed were inaccurate and the information being reported on my credit report from this account were inaccurate. I contacted them by phone in that same week and requested to have something mailed to me to validate the debt. Nothing was ever received at this point I went ahead and had a third party company XXXX XXXX XXXX dispute the debt on my behalf on XX/XX/XXXX. It was then deleted from my XXXX credit report but nothing was done for XXXX or XXXX. At this point I am still waiting to receive something showing validity of the debt. Back on XX/XX/XXXX I filed another dispute this time directly with XXXX and they claimed it was verified but again nothing was sent to me in writing. This mark on my credit has caused me anxiety and anguish and I have even been rejected additional credit because of this unverified account. Why are they not willing to furnish the proof of this debt?

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 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Additional accounts have been added to my credit file but score hasnt changed. Since XXXX XXXX the following accounts were added : XXXX XXXX XXXX. Opened XXXX. XXXX XXXX {$20000.00}. 
XXXX XXXX. Opened XXXX. XXXX XXXX {$25000.00}. 
XXXX XXXX XXXX XXXX. Opened XXXX. XXXX XXXX {$10000.00}. 

These additions to my credit file have changed my total credit to {$120000.00}, lowered my utilization to 7 %, and my age of average accounts has changed yet Experians credit monitoring has not shown a change in my score.

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 07/29/2015 about Credit card () with CITIBANK, N.A. (NC).
Issue: Late fee

Complaint: Have had a Citibank credit card and mortgage for years. Have never been late on either. I changed bill pay providers, causing a late credit card payment by one day. I asked if the late fee could be waived. I was rudely told no, appealing XXXX. Was {$35.00} really worth losing a customer with this much business?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Consumer Loan (Installment loan) with Acceptance Solutions Group, INC (TX).
Issue: Problems when you are unable to pay

Complaint: I have asked in writing by mail, email, and fax for the company not to contact me by phone to collect. Even after asking verbally and in writing they continue to call me on my cell phone and place of employment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Mortgage (Conventional home mortgage) with LAKEVIEW LOAN SERVICING, LLC (IL).
Issue: Trouble during payment process

Complaint: I entered a complaint XXXX The complaint was closed. But this is not my decision. This mortgage company sent me letters about the property tax Never in those letters they specified I needed a XXXX policy If I knew I needed a XXXX policy, I would have purchased I read my mortgage disclosure and never in that document it mentions requiring a XXXX policy. Nevertheless I provided them with a new XXXX policy, now the mortgage company wants to have me pay for the laspse If I never needed XXXX before, why would I pay a lapse in insurance? I feel like I have no rights with this company as a consumer I struggle to get anywhere when I have never missed a payment and I have always cooperated with them. This company has no respectable communication when I have been nothing but forthright and I have always provided the documentation they have needed.

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 06-02-2017 about Debt collection (Other debt) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX  midland funding is stalling by saying i hired an attorney i did not..the cell phone was bought by my husband i asked for proof that i picked up the phone and they did not produce it i know for a fact he got the phone about 14 years ago iin a cell phone store it is not my    XXXX   XXXX    bill

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am rejecting this response because : I have a right to request the credit reporting agencies method of verification under FCRA, Section 609 a ( 2 ) You must disclose the source of this information to me. 
Also FCRA Section 611 paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of re-investigation states. " if requested by the consumer a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency including the business name and address of any furnisher of the information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.. In this case you said you spoke to your 3rd party vendor. I am requesting the following. 

If you can not supply me with this information in 15 days I want this incorrect information removed from my credit report or my next response will be to file a small claims lawsuit against your company to legally have it removed. 


( a ) The name of the 3rd party vendor ; ( b ) the person 's name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute.

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 11/26/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Deposits and withdrawals

Complaint: A wire was initiated by myself to a customer at Bank of America on XXXX XXXX, 2016 for {$20000.00}. The account was not able to accept the wired funds. I was notified the next day that the account could not accept the wire, and XXXX told me to just do a recall request to retrieve the funds. I paid the fee for the recall. I have tried to contact Bank of America, but they will not speak to me. The BofA Customer has taken the wire details and the XXXX number into her BofA bank in XXXX to request that they return my money since it was never deposited into her account, but Bank of America is refusing to return the undelivered funds back to my XXXX account from which the funds were sent. The only update that has been seen was XXXX XXXX, 2016 which said that the request was under investigation. No update has been added since that date. XXXX wire department has reached out to Bank of America multiple times unsuccessfully to understand why a recall process that takes only 2-3 days has not been completed. XXXX recall requests from XXXX have been requested in total and as of XXXX XXXX, 2016, no funds from Bank of America have been returned to me. Bank of America has essentially stolen {$20000.00} of my money and will not return it to me. The XXXX reference number is has been provided for the return recall. The XXXX branch manager in XXXX where my account and the wire was initiated from, has tried repeated to assist me, but has been unsuccessful. The lack of my funds has created a severe financial burden on me and has negatively impacted my ability to pay my bills now.

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 07/28/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AZ).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: From a dealer, I purchased a vehicle. At the time, I had a XXXX average credit score. Salamander Consumer USA levied a 22 % loan for {$17000.00} loan. The payment on this loan, turns out, is too much for me. I am privileged to information that this Bank has several branches in XXXX. Now, the PESO is of a price that the assets Santander are 50 % undervalued, therefore, they have, essentially doubled the usual interest rate for a XXXX Score. It is miserable dealing with a Foreign Bank. Santander is a XXXX bank with offices in the US. Everybody says that the interest is too much for my score ... .NEVER DEAL WITH FOREIGN BANKS!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (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: Since XX/XX/XXXX I have been disputing information reported by Synchrony Bank/Care Credit and XXXX, XXXX, and XXXX for which they claim My account was charged off {$1100.00} on XX/XX/XXXX. Repeatedly, Synchrony Bank have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Synchrony Bank claims this account was sold to XXXX XXXX XXXX and refuses to provide me any viable evidence that the account is being reported accurately. They are being willfully non-compliant in my request for verification of the debt. They just told me to contact XXXX XXXX XXXX.
Recently, XXXX sent me a copy of a bill statement. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.

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 01/25/2017 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I had a mortgage on my building and my Mortgage Company failed to allow me the opportunity to refinance my property instead of foreclosing on it. They would not decrease the monthly payment so it was not feasible for me to make payments. The offer they made was more than what came in from rent.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XXXX XXXX, XXXX I used my rights to ask equifax to verify some accounts on my report, with Proof, because I had issues with verification of the accounts when I checked. I also asked on that date to remove any non- account holding inquiries over 30 days. I heard nothing from them about the matter I requested so I am sending a second letter requesting the same information, on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I attempted to open a credit card with XXXX XXXX in XXXX XXXX. When I did not receive my credit card in XXXX, I called them to ask why it had not been received. I was informed that someone had changed the name and address on the card and was using the card. I immediately told them that this was an act of fraud and it was not me. I was sent in circles for months filing complaints and filling out documents all simply saying that the credit card was never received and i never charged anything to the card. I continuously told them to cancel the card that by credit report was reflecting a delinquent account that was n't even me! They never closed the account, the account continues to accrue late fees, and they even sent me a credit card, sent to my correct address- WITH THE FRAUDULENT NAME in XXXX XXXX! My credit report has been getting hit since this whole process began, and they are absolutely impossible to work with. In XXXX, I was told to provide them with a police report and affidavit attesting to the fraud. I did all they requested, and received a response saying that the " investigation '' they conducted concluded that the account belongs to me. I call the company and am constantly rerouted and asked to provide additional documentation and fill out additional forms, and I have done so to no avail. I simply do n't know what else to do, I have never encountered such gross incompetence.

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 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am a XXXX XXXX twice and can not handle anymore stress at all! 
I am a mother of XXXX college students that need me and we are in too much hardship. 
I was sold a FLOODED FRAUD Car by XXXX XXXX XXXX XXXX XXXX. Car was taken by XXXX XXXX XXXX. They alll KNEW about this car because in XXXX I filed suit under 1 800 Lemon Law XXXX and XXXX researched all in XXXX XXXX! 
The bank the lender the dealer made me stay and pay! I almost died in that car. It would come to a COMPLETE STOP at 60 and 55mph, On star callers engaged so many times from the car for HELP! Towing Repairs in Excess of 8,000 over 24 months and payments and auto insurance. FINALLY XXXX  XXXX NJ was mandated by XXXX to GET TO SOURCE OF ENGINE a year after the lemon law!!!!!! It was a Breach of Warranty!! NO ONE Replaced the car!!! I have no car!!!! No one did anything but take it over a payment behind after all I mentioned. The dealer did not obey the law. The lender kept saying they are sorry! NO I need all CARS on MY CREDIT REPORT REMOVED ASAP!!!! It is affecting my ability to get credit not only for another car but for my kids education and my medical health. They all did not honor the law. I should be refunded. I need this OFF MY CREDIT and STOP harrassing me at work all of them. It has to end. ALSO FOR a YEAR XXXX a month to rent a car!!!!!!! I was able to afford my car my issue was car never worked and was unsafe and the dealer and lender knew! I repeated myself every week every month as to what was going on and my lawyer to mandated they replace with the refunded deposit. No one replaced no one helped they came and took my car once fixed!!!! I had 4 weeks of peace and now no car!!! AND have zero cant get into anything with this mess on my report and my kids the loans all fell through this year with the damage to my credit. I am a college graduate of 30 years ago I work all my life, THIS IS A DISASTER! This car was a danger and fraud and 33 months of car payments and car insur and repairs towing and more now rentals unaffordable!! HELP! GET IT REMOVED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Within in my credit report I have that in 2010 I filled for unemployment, when this is impossible as I am self employed. On my son 's report ( he has the same name as me ), he has that he has paid a few vehicles, which were mine. So it looks like we have mixed 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 03/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: After looking at my credit report, I saw a collection account that does not belong to me. This false information is ruining my credit and knowing full well this people did not do their job and allow people to just post false accounts on my report. They need to delete this information immediately and do a proper investigation as this information is not mine. The account is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Debt collection (Medical debt) with Receivables Performance Management, LLC (AK).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a notice from Receivables Performance Management on   XXXX   XXXX   XXXX     attempting to collect a debt from   XXXX   XXXX   that another debt collection agency had previously returned to   XXXX   XXXX   as invalid. I called and talked to RPM customer service the same da y I re ceived the notice and told them I wanted to dispute the bill. They told me that they had an updated bill from  XXXX   XXXX  that they would send out. I waite ed three w eeks, then sent a written request to have the debt cancelled because the bill could not be produced. On  XXXX , they finally responded and sent a copy of the same  XXXX   XXXX  bill that had been returned as invalid, and additional RPM interest charges that they had been accumulating while I disputed the debt. I submitted my full documentation package to RPM, including insurance statements, the amount I actually owe ( less than  XXXX  of the billed amount ), and the history of the account, to RPM. They received the package on  XXXX . On  XXXX , in response to my documentation, they sent me a copy of the same original   XXXX   XXXX   bill. They are refusing to accept clear documentation that the bill is not valid, and they are continuing to charge interest while I dispute the claim.

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 04/13/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Application, originator, mortgage broker

Complaint: Select Portfolio Serving, SPS, is not acting in " Good Faith '' in the underwriting and preparation of a loan modification which was in fact already granted in XXXX of XXXX by the former bank note holder, XXXX. 
I have fully complied with all their requests for financial information for the past 6 months. They are requesting the same financial information over and over again. I have sent them " proof '' of income several times only to be informed it is not enough. 
I have already given them the following Documents:XX/XX/XXXX TaxesBank StatementsInsurance statementsrental income for the house in questionrental income fore the XXXX XXXX XXXX income for investment property located at XXXX XXXX XXXX XXXX XXXX Fl5 months of consecutive rental income direct from the Federal Government ComputersProfit and Loss StatementsDetailed listing of my ExpensesRMA formAll this information can be verified by my Taxes which were professionally prepared by XXXX XXXX and XXXX XXXX CPA, XXXX New York XXXX 
SPS has formally acknowledged the receipt of this information via email confirmations to me dated:XX/XX/XXXX, XXXX confirmations of receipt XXXX/XXXX/XXXX, XXXX confirms of receipt XXXX/XXXX/XXXX, XXXX, XXXX confirms of receipt XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX, XXXX confirms of receipt XXXX/XXXX/XXXX. In total, there are XXXX separate emails from me that they confirm were in fact received by them. 
Despite my total cooperation and a deluge of information from me which can be easily verified, SPS continues to deliberately delay and or sabotage the recognition of a Mortgage already put in place by XXXX or grant a new mortgage taking into consideration the failures of XXXX and now XXXX Bank to accept my mortgage payment of {$1700.00} for several years. In fact, XXXX had accepted my payments for 9 months. 
I have attempted to correct this situation through personal phone calls, letters and lawyers. To date, no one is listening. 
Once again, the loan had been modified in XXXX and I was current on the payments when the note was transferred to the new servicer. The new servicer required me to re-apply for a loan modification which put me at risk of foreclosure because the new servicer did not accept payments after the loan was transferred. 
Florida is a XXXX XXXX and Foreclosure matters are referred to XXXX XXXX. The bank and I are required to participate in a Loss Mitigation Workout Solution. 
This matter has been placed on the court 's calendar and I submitted opposition papers to a Summary Judgement Motion on the basis that the Note to the Subject Property was not attached to the Bank 's Motion papers. 
There is a sale date scheduled for XXXX XXXX, XXXX and the bank has all the documents to approve a Loan Modification, but is not in COMPLIANCE with FEDERAL GUIDELINES. 
XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation