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. (IL).
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. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. 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. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Debt collection (I do not know) with SUNRISE CREDIT SERVICES, INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This morning, XXXX/XXXX/2016 at XXXX XXXX., I received a recorded message on my answering machine. It said they were calling to speak to a man who is actually my neighbor. The message said that if I were not this person, I had to call their number and tell them they had the wrong person and wrong number. I did so, and they were courteous. 
I do not think it is proper for a collection agency to call someone cold, without ascertaining that the number they have belongs to the person they are trying to reach, and then to require the innocent person to call them to correct their error. I also think it is against the Fair Debt Collection Practices Act to call a neighbor about the debt of a person. 
I am complaining because I think their process is completely intrusive, burdensome, and mistaken. They should not be allowed to make calls like this.

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 03/23/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: In XX/XX/XXXX, I applied and was approved for a car loan, during the 10 year period of the loan, payments were made and subsequently, the loan was satisfied. After recently reviewing my credit report, I noticed several inaccuracies. In particular, there are XXXX entries I noticed as inaccurate. On XX/XX/XXXX, Santander indicated I was 90 days late, which is inaccurate. 2 ) On XX/XX/XXXX, Santander indicated I was 60 days late, which is inaccurate. 3 ) The report indicates the terms were {$140.00} for 72 months, which is incorrect. Finally, I have no confidence in Santander 's administrative accuracies and their failure has fueled the negative entries on my credit report. These inaccuracies are reducing my chance for homeownership. Attached are XXXX documents recently received from Santander, in which, they clearly admit there are administrative and record keeping issues that was uncovered during an audit. " during a recent audit, we determined your account is due a refund ... '' This admittance has caused me to lose total confidence in Santanders record keeping. As a result, I believe there is more incorrect information reported that is negatively listed on my report and the possible reason for future credit denials.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Debt collection (Medical) with Alorica Inc. (GA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: A debt collector from West Asset Management called me on my personal phone informing me of a medical collection on XXXX XXXX, 2015. I advised that I would get a letter in the mail to them today to cease contact with me regarding this debt as it is still being reviewed by my insurance company. On XXXX XXXX, 2015, the same collection agency called my Father claiming that they were calling about a doctor bill and they were looking for me. This third party call should have never been made because they verified that my information was correct and my telephone number, additionally, they were advised not to call me by phone and in writing. Location purposes do not hold water here considering they spoke to me and verified my information.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit card () with M&T BANK CORPORATION (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am filing this complain against M & T Bank which has filed a late payment with XXXX credit card bureaus. In 2013, My employee stole my credit card and used it. I was not aware of theft until I received a past due bill from M & T Bank for {$410.00}. I paid this bill as soon I realized that my credit card used by him. Despite many pleas to the bank to remove late payment from my credit, they have refused to do. It has been four years since this late occurrence, my credit has been damaged by one single late payment. Bank was sending minimum balance, however, I paid the entire balance. I will ask you to have bank remove this late payment. Because of late payment on my credit, i can not refinance my house or buy a car.

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 03/27/2015 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (NJ).
Issue: Managing the loan or lease

Complaint: My husband and i financed a XXXX Honda accord we were able to payoff the loan early this loan has been paid in full since 2013 we paid a fee for the title of XXXX when we received the letter of release and the title we noticed the title still has a lien holder listed on it. after speaking to Honda financial several times we were told we had to pay the XXXX again to have the lien holder name removed. we feel if we already paid XXXX for a title why should we pay a second time especially considering they made the mistake with a lien holder still being on the title

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: On or about XX/XX/XXXX, I entered into a Short Sale with Nationstar. The home was listed at XXXX however, my realtor secured a all cash buyer on XX/XX/XXXX for XXXX. 
Nationstar drugged their feet in a effort to punish me because of my earlier legal actions against them which resulted in a reversal of their foreclosure. Nevertheless, 5 months later Nationstar began requesting updated information and the buyer went a extended vacation overseas, and was unable to be reached to provide updated bank statements to Nationstar. This situation was explained to Nationstar who was in possession of XXXX XXXX dollars verified funds. My realtor requested a postponement for the upcoming foreclosure sale, which Nationstar granted, however, they still proceeded with the foreclosure sale and asked that we disregard the previous message " sorry ''. I also recieved a Notice of a Foreclosure Sale which was not for my property nor was the Notice in my name. No one bidded at the foreclosure sale and Nationstar took it back for the original price of $ XXXX. I feel this was a effort by the foreclosure company and Nationstar to further confuse me. Nationstar has not re-listed the property for sale, however, they have changed the locks so I can not gain acessess to the home where I have at least XXXX worth of my belongings there. 
Nationstar nor their agent ( who does not have a listing agreement ) have possession of the property. California law regarding possession is quite clear.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: i closed my account with XXXX in XX/XX/2016, i paid my account off and returned their equipment to their office. 
they have hired a debt collector in XXXX Texas and have put a charge of {$60.00} on my credit, i have contacted XXXX and they refuse to disclose to me why i owe this amount even though they are the ones that say i owe that amount, i no longer have a contract with them and they have reported that i do indeed have contract still open which i do 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 04/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Security Credit Services, LLC (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On  XXXX   XXXX ,   XXXX   ( via certified mail ), a letter was sent to  Security Credit Services  requesting documentation to verify the debt and prove my legal obligation to them for a debt they reported to the credit bureaus related toa certain account. I asked that all of the requested documentation be furnished with in thirty ( 30 ) days  of receipt of the requests, and I advised if they failed to provide any portion of the requested documentation, all references to the accounts would need to be immediately removed from my credit files and any further attempts to collect should cease.     On or around  XXXX   XXXX ,   XXXX  , I received an incomplete response from the company, and, as such, on  XXXX   XXXX ,   XXXX  , I sent subsequent correspondence ( via certified mail ) advising that they failed to comply with my initial requests and all references to the accounts needed to be removed from my credit files immediately.     To date, the company still has not complied with my initial request and has not removed this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have received another demand lette r, ( {$6400.00} ) t his time from  XXXX   XXXX , for a debt that was settled ov er three deca des ago and that is not valid. I periodically receive these letters, and have been unsuccessful in receiving resolution, thus the resurfacing of these demands. I have repeatedly sent written notices disputing the validity of the debt to the various collection agencies, again, to no avail.  <P/> I have also filed a complaint with the Missouri Attorney General 's office and will be faxing a response to  XXXX   XXXX  at  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Transaction issue

Complaint: I purchased a watch from an online merchant, XXXX XXXX company and never received the watch. My bank of america Visa is now refusing to credit me back the amount. This is merchandise not received. I asked BofA to send me their policy and it states that I have 120 days from promised delivery date to dispute this. I purposely used my BofA Visa to purchase this item for my protection. I have called BofA several times, produced emails showing the delivery date and they are not refunding me the amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Student loan (Non-federal student loan) with CITIBANK, N.A. (ME).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Citi bank hold about {$28000.00} of my private loan debt. I have paid them online every month and have not defaulted ever. 

on friday XX/XX/XXXX I got a letter in the mail that was a XXXX tax forum claiming that about {$16000.00} of my debt was cancelled in XX/XX/XXXX. when I called I was told they sent one for my XXXX loan as well. So right now the government things I have has about {$28000.00} of debt cancelled and expects me to file it as part of my income, BUT it has n't been discharged and I have been paying it the entire time. 

When I tried to talk to them about it they would only tell me that the documents were an error. they gave me no information about how they were going to fix it, what will happen with my taxes or WHY this happened in the first place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Automated Collection Services, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: ACSI is reporting incorrect information about me to all 3 credit bureaus, as of XX/2017. On XXXX XXXX,2017 ACSI sends me a letter indicating I owe money for a student loan the following day I replied that I do not any 'student loan ' because a ) I am a XXXX XXXX XXXX b ) I have not gone to school since XXXX grade, c ) I am completely/fully retired. But they still reported me to the credit bureaus prior to contacting me first which is a violation of the Fair Credit Reporting Act. Subsequent to their illegal reporting my credit score went from a XXXX fico score to a XXXX fico score and I am currently buying a house which will directly affect my interest rate. What ACSI is illegal and they need to be hold accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Debt collection (I do not know) with Kross, Lieberman & Stone, Inc. (GA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I accepted a settlement agreement with this agency. I paid off the debt as arranged ; however, this agency has failed to do its part and have the debt removed from the credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Mortgage (FHA mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have been divorced since 2006 and my name is still on my ex wife 's mortgage she has had XXXX late payments that are now on my credit report how do I get rid of them?

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NJ).
Issue: Deposits and withdrawals

Complaint: 1. On XXXX/XXXX/15 I made a deposit by Check to the line of credit account at Wells Fargo in the amount of {$49000.00} using XXXX Bank. 

2. The check was cleared from the XXXX XXXX on XXXX/XXXX/2015 ; However till date the credit is not applied to my line of credit account at Wells Fargo. Now, the money is not available at the XXXX XXXX as well ; since it 's been collected/claimed by Wells Fargo3. Called WellsFargo and they said the {$49000.00} will be available on XXXX/XXXX/2015 which is after a month, I have made a deposit. 

4. WellsFargo will dearly charge me an interest for entire month until the funds are available to my account ; now this is a day light robbery. 

Please help and if possible ; investigate the unfair practice at the wells fargo.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Debt collection (Medical) with I.C. System, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I found a medical debt on my credit report and called the collection agency in charge of my debt, I.C. System Inc. I had to call several times over the course of the week before I was finally provided information on my account. I was told that my account was sent to a lawyer, which was never disclosed to me. I was given a phone number ( which turned out to be a cell phone ) and a name, along with an account number. From that point, I attempted to contact the said lawyer. I called and called and always get sent to a " ghost '' voicemail. I never receive a call back. When I called I.C. Sytems to explain the issue and my desire to settle this debt, the only information they were able to give me was the same information I already have. I am a consumer making a strong attempt to settle a debt that no one has information on. This debt effects my credit score every single month. I am tired of the company shrugging their shoulders at me. I would like to settle my debt to better my credit score so I can buy a home for my family.

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 05/14/2015 about Mortgage (Other mortgage) with BB&T CORPORATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: BB & T improperly denied our repeated request for modification never providing any tangible evidence or explanation as to why. They then took advantage of us with servicing shortcuts and unauthorized fees. They failed to promptly and accurately apply payments made, and charged unauthorized fees for default-related services resulting in a huge amount of accumulated fees, penalties, and interest. They deceived us about foreclosure alternatives. They failed to provide accurate information about loan modification and other loss-mitigation services, they also failed to properly process our applications and calculate our eligibility for loan modifications on XXXX separate occasions. They provided false or misleading reasons for denying loan modifications. They threatened and engaged in illegal foreclosure practices. They provided false or misleading information to us about the status of foreclosure proceedings where we were in good faith actively pursuing a loss mitigation alternative also offered by them. 
I believe they have realized their mistakes because just recently after refusing to grant our requested modification for the third time, they somehow added my name to the mortgage and approved it for modification. They had previously turned it down even though our circumstances with income and debts were the same or even better. When I asked why they approved it this time after the previous denials they told me that maybe the guidelines had changed. They could and would not send me anything in writing explaining why it had been previously denied but was now approved. Can they just add my name to the mortgage? If so, why did n't they do this on our prior attempts at modification? The process took over 6 months each time we applied for modification and has caused an accumulation of over XXXX in late fees and penalties. We are currently in a chapter XXXX bankruptcy and we are waiting on the court to approve the modification inside the BK. During the previous attempts at modification they would never provide any concrete explanation of why we were being denied. The modification is still higher than our initial payment was by approximately XXXX to cover all the accumulated interest, fees, and penalties. They should n't be able to get away we should be made whole even to the point of having the mortgage forgiven and receiving a sum over and above for damages.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
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 XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX I mailed a certified dispute to XXXX, Equifax, XXXX concerning the XXXX XXXX XXXX/XXXX accounts reporting a series of late payments inaccurately. I requested the documents they had in their file at the time is sent letter to verify the late payments against my records and was sent a response the accounts were verified but no documentation. in XX/XX/XXXX my payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late and 120 day late the 5 following months. in XX/XX/XXXX my payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late and 120 day late the 5 following months. in XX/XX/XXXX my payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late ... It is impossible for my account be current one month and report 90 days late the following month.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (Auto) with UNIVERSAL ACCEPTANCE CORPORATION (NE) (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call me and tell me when I have no money for a payment to borrow money from friends or churches.

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 10-12-2016 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased my home in XXXX. At that time, my legal name was XXXX XXXX XXXX. In XXXX, I filed chapter XXXX bankruptcy. Since I had XXXX mortgages, the XXXX ( The XXXX XXXX ) was discharged. Since, they have sold to Caliber. I learned last week that Caliber has marked the account as active and state that I owe approx. $ XXXX. I have called numerous times. The automated system does NOT recognize my ssi number, nor loan number. The only other option is to dial the ext of the person you wish to speak. I CA N'T get through to a live person. I sent an email and received an automated response saying they will reply in the legal amount of time. What is the legal amount of time? I had a loan officer call. She was able to speak to a supervisor who argued with the loan officer. The representative stated they will take the FULL 30 days before responding. This is clearly an error. The only thing received since bankruptcy was a XXXX for tax purposes, clearing the debt. I have never received anything since. I just want this corrected immediately and off of my credit report. I am not sure if XXXX forgot to mention bankruptcy or if Caliber did this on their own. Bottom line, I need this to be corrected immediately. This is horrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: Citibank MasterCard open a new credit card without my authorization and charge me XXXX. I did not authorize the card, activate the card, nor use the card. They refuse to refund me XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief