milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I saw a credit inquiry on my Equifax credit report from XXXX XXXX XXXX XXXX XXXX. I called and the person I spoke to said there was nothing they could do about it. I aksed about placing a fraud alert and the person I spoke to said they could not do so. 

I asked for a phone number or contact information for XXXX XXXX XXXX XXXX XXXX XXXXXXXX and the person refused to provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: SPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Short sale was started on XXXX/XXXX/XXXX. SPS spent 3 months using purposeful miscommunication and 'misplacing ' documents as a way to delay decisioning on the file in an attempt to defraud their investor in order to collect their 'double-fee ' for servicing a defaulted loan. 

On XXXX we were told the value came back at XXXX and refused to give a counter amount. 

On XXXX we sent a counter offer and contractor bids for the value dispute. 

On XXXX SPS decided they will no longer accept contractor bids for the value dispute and they require a BPO or appraisal for value disputes. 

SPS then started their second round of delaying tactics - purposeful miscommunication and 'misplacing ' documents. Requesting XXXX version of a form, and then the next week requiring something different. They also started requesting documents that had been sent to them over 4 months prior. 

These delay tactics have been going on for FOUR MONTHS. 
Today, we found out that the file was closed out on XXXX/XXXX/XXXX. NO ONE INFORMED US WHEN WE TALKED TO THEM ON XXXX/XXXX/XXXX. 

This is nothing but gross incompetence and delay tactics on SPS 's part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently submitted a request for investigation of an Acct Number : XXXX XXXX # XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/XXXX in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. My correct name is XXXX XXXX NOT XXXX XXXX XXXX THOSE ACCOUNT DOES NOT BELONG TO ME I NEED THEM REMOVED OF MY CREDIT PROFILE If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$10000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you this account has been deleted then put back on my credit report your company reported that you have reviewed my complaint along with the information you previously provided regarding this issue. In order to verify the accuracy and completeness of XXXX # XXXX we initiated an investigation into the account. In response to the investigation, XXXX # XXXX was updated to reflect the remark of " Credit Card Lost or Stolen '', and the balance has been updated to reflect as {$0.00}. Then deleted the account then reposted the account again

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call my cellphone and workplace frequently. Debts are beyond statute of limitations and have been bought and sold multiple times. I have paid off the accounts and they keep calling and sending letters.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Problems caused by my funds being low

Complaint: Back in 2007, Chase Bank enticed consumers with an add that, basically offered {$200.00} in bonus cash if we had our payroll checks deposited electronically through them, and opened XXXX accounts with them. I did, but before I caught on to their scam, it ended up costing me hundreds of dollars! They started cashing checks that I would write, in the order of the largest check 1st, so all other checks written that day would bounce, if there were n't sufficient funds! This went on for a while before I caught on! Eventually, over {$600.00} disappeared! When confronted with the problem, they told me it was there company policy to only refund XXXX of the fees!!! If you do this to XXXX people, you can rake in XXXX, before you 're caught!!!

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In 2016 I filed numerous disputes with XXXX XXXX XXXX, Santander consumer USA, and XXXX XXXXXXXX XXXX regarding an account that is very old. Not only is the information they are providing incorrect, ie status, history etc, but they are ONLY reporting negative information and none of the positive info. They failed to respond to one dispute within 30 days and did nothing, sending me a letter stating that they dont need to respond to every dispute or something to that effect, and all of the other disputes were verified as accurate which they are not. Even IF, and it is not, but even IF the information was accurate, they are ONLY reporting negative info which i believe to be a violation based on information provided by this website.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (HI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have sent multiple dispute letters to Ad Astra Recovery Service Inc, requesting they confirm the alleged debt they claim I owe. I have not received any response or documentation stating that I have a signed contract with Ad Astra Recovery Service Inc. This company continues to report to the credit bureau companies and has affected my credit profile negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Settlement process and costs

Complaint: Deceptive mortgage lending practices by Freedom Mortgage which included bait and switch, fradulent documentation, and predatory behaviour with goal in mind to obtain funds from consumer by pushing consumer to roll fradulent closing costs into loan that the consumer is not responsible for as per agreement. 

There is sufficient evidence that I have been completely misled through the refinance process and provided wrong and fradulent information ( i.e. Summary of Transaction ) by Freedom Mortgage that was misleading and deceptive. 

It was very clear from the offer I received from Freedom Mortgage which included many verbal communications and a Summary of Transaction that I can provide a copy of that Closing Costs were covered by lender. This was the agreement and mutual understanding throughout the process all the way up to being only a week or two out from actual closing at which time it was suddenly communicated to me via a random phone call ( not even in writing ) that the offer has changed and I as the consumer I would have to pay the closing costs now. All the detials, supporting documents, and dates can be provided. 

With all the respect, that is very deceptive and misleading business practice that is unfair to consumers and that is ultimately costing all of us participating in the mortgage business including the government a lot of money. I do not accept this and I ask you kindly to help with this case as I 'm sure there thousands of consumers that are falling vicitim to these kinds of predatory lending practices. 

In the supporting documents you can clearly see that the closing costs are covered by the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with MIB Group, Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XX/XX/XXXX I applied for a Life Insurance policy with XXXX XXXX XXXX XXXX in response to their solicitation. On XX/XX/XXXX I received a response letter from XXXX stating that they were unable to offer me a policy because of information contained in my MIB report. Knowing full well there could be nothing adverse, I requested, per the instructions in XXXX 's letter, a Consumer file from MIB. ( MIB Reference # XXXX ) .I was particularly interested in this report because I had been denied from 2 other applications - the reasons which were not offered. XXXX was the only company that gave me the MIB contact information. On XX/XX/XXXX I received the MIB report which clearly illustrates my being denied any insurance coverage from XXXX or the other applications. On page 2 of 6 of the report : " Reporting Company Name : XXXX XXXX XXXX XXXX XXXX Report Date : XX/XX/XXXX XXXX XXXX. Under treatment, not XXXX. Information obtained from licensed physicians or medical practitioners, hospitals, clinics, or other medical or medically related facilities. Within 3-5 years of application. " The " XXXX XXXX '' was from a work related accident where I XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. This was in XX/XX/XXXX. My very last visit with regard to any XXXX was to my XXXX, XXXX XXXX XXXX was in XX/XX/XXXX, at which time his record indicates all issues are resolved and no further treatment required. This entry in my records indicating a " report date '' ( XX/XX/XXXX ) clearly make it appear that is when this condition was present. Further proof that this error is still causing problems would be my appeal letter explaining this to XXXX AND then receiving their denial again of a policy because I have a " XXXX XXXX ''. They obviously did not even read my letter of explanation. So yes, I am very upset and feel this is misinformation on my record causing me to be unable to obtain the desired life insurance policy for my children 's benefit. In all fairness to XXXX they did offer to extend me the opportunity to have a complete physical and obtain a policy at a competitive rate. This is a nice offer and I may just have to take them up on it to prove my excellent health, but the fact that my file contains inaccurate information that needs to be corrected is my priority as I am sure you can appreciate.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (HI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/XXXX   Contacted Capital One  to dispute the payments. Was not aware of this credit card and informed them that I did not apply nor receive the credit card  XX/XX/XXXX  Received letter from Capital One indicating the investigation determine that I was responsible for the balance of the credit card and demanded the payment due of {$9900.00}  XX/XX/XXXX  Received a demand letter threating to send this file to a lawyer due to non-payment (  5 pa yments past due )  XX/XX/XXXX  Received letter demanding minimum payment of {$1700.00} and stating they could send to collection  XX/XX/XXXX  Received letter agreeing for monthly payment of {$110.00}  XX/XX/XXXX  Sent a certified mail to Capital One disputing the decision that was made in  XX/XX/XXXX  and for not providing evidence that I had applied for the credit card. During that time I had loss my husband and was not in the right frame of mind to make any financial decision.    XX/XX/XXXX  Received letter fro m Capital One as accou nt was charged off and assigned to Recoveries Dept.    XX/XX/XXXX  Received letter via  XXXX   XXXX  threatening Legal actions

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: I had a checking and savings account with Wells Fargo, I called them in mid XXXX to close both since I no longer had them servicing my mortgage. When I called I was told by a representative that there was a pending transaction and I had to wait until the following business day to close both accounts so the payment could post. I called back the following day and successfully closed both accounts. Wells Fargo sent me XXXX checks from the remaining balance in both accounts. Today Wells Fargo called me and told me that the payment they had told me posted had n't actually posted and that I owed them {$100.00}. This was for the {$33.00} payment which they told me posted and then XXXX overdraft fees. XXXX XXXX {$35.00} XXXX for the {$33.00} charge and XXXX ( {$35.00} ) for XXXX of the checks they had sent me after closing my account. I told them I would send them a check for the {$33.00} and they informed me that since my account ( which had been closed and they confirmed in writing ) was now open again without my permission I would have to write a letter, have it notarized and wait an additional XXXX - 10 business days after they received it for my account to be closed again. So they lied and re-opened my account without my permission and tried to extort me for XXXX overdraft fees.

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
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the Equifax, XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX XXXX, account number XXXX ; 2. ) XXXX, account number XXXX ; 3. ) XXXX, account number XXXX 4. ) XXXX, account number XXXX 5. ) XXXX XXXX, account number XXXX 6. ) XXXX XXXX XXXX XXXX XXXX, account number XXXX ; 7. ) XXXX  XXXX, account number XXXX ; 8. ) XXXX XXXX XXXX, account number XXXX ; 9. ) XXXX, account number XXXX ; 10. ) Bankruptcy, case number XXXX ; 11. ) Bankruptcy, case number XXXX ; 12. ) Bankruptcy, case number XXXX ; 13. ) Bankruptcy, case number XXXX 14. ) Federal Tax Lien, {$170000.00} Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2016 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I get continuous calls and emails from a debt collection company, even though I have perfect credit and have no collections. Here 's the phone numbers and links to show this is a scam. 

I was called from XXXX - XXXX, CA and left a voicemail to call ( XXXX ) XXXX which is Dynamic Recovery Solutions. I never saw so many names, family members, and addresses connected with one phone number, that was NOT a business line. There is no reason for me to get a call from this type of company. 

XXXX And XXXX From the XXXX : This company is trying to collect on a debt that was settled by legal arbitration in XX/XX/XXXX. The statute of limitations on the original debt expired in XX/XX/XXXX, yet they continue to report an outstanding balance to the credit reporting services. This is harassment, pure and simple, and companies like DRS are little more than predators who make a living by intimidation and blackmail, even though they have no legal recourse or standing to enforce the " debt '' they seek to collect. This should be illegal, though as we all know, money buys justice, today more than ever. 

This customer had a NEGATIVE experience with this business. 
This customer WOULD NOT recommend the business to a friend, family member, neighbor or colleague. 

By XXXX On XX/XX/XXXXXX/XX/XXXX Just want to let all of you know how Dynamic Recovery Solutions , LLC sent me a letter home trying to collect apparently a debt from XXXX. I do n't know where they are getting personal mailing addresses, but they are. I call them and they are such a scam, they tried to go around just to get personal information. I interrogated the operator and the supervisor and we 're not specific as to where they where they were able to obtain my mailing address, their excuse was how many person had my same name, how can they believe they are contacting the right person. Do not fall for this. 

These are a few of the many complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2016 about Consumer Loan (Vehicle lease) with U.S. BANCORP (MI).
Issue: Managing the loan or lease

Complaint: I leased a 2013 XXXX truck and financed the lease through US Bank. The vehicle was turned in in excellent condition but upon turning in the vehicle, I was charged {$590.00} for alleged wear and tear on the truck bed. I took photos of my truck bed before turning it in. The bed was in very good condition. It had been protected by a Bedrgug truck bed liner. There were small dings that did not exceed the US Bank excessive wear and tear table. In addition to this, they charge a {$390.00} lease termination fee which I am paying, however, this appears to be a bait and switch tactic. They lure the consumer in with low lease prices then charge unreasonable lease termination fees attempting to influence the consumer to buy the vehicle at the end of the contract. Even though I did lease a new vehicle at the end of the lease with US Bank, they still charged me the lease termination fee. I am attaching photos of the truck bed to show that there is not damage in the amount of {$590.00}. To avoid these unreasonable excess wear charges, one would have to park the vehicle and never use it. This alleged damage is in the bottom of a pickup truck bed, but as the photos show, the bed is in very good condition and in no way would impact the value of the truck.

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
Consumer complaint received 08-05-2016 about Bank account or service (Other bank product/service) with Comerica (AZ).
Issue: Using a debit or ATM card

Complaint: My XXXX was deposited into my direct express debit card acct on XXXX but when I tried to order pizza that evening I rcd a msg that there was a problem with my card and to call my bank. All I knew initially was my acct had been suspended for suspicion of fraud and my balance was less than {$100.00}. My bank was alerted after XXXX transactions were made from XXXX merchants in XXXX, CA. They did not call me and I have to wait 3-5 days to file a dispute even though the transactions are still pending so should be reversed immediately. The thief spent XXXX in 4 hours and I 'm unable to pay my rent now. I have filed a complaint with the FTC, XXXX Police Dept, and do n't know what more I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (FL).
Issue: Settlement process and costs

Complaint: I am trying to refinance my mortgage through the Harp program. SLS ( HELOC ) will not agree to the subordination agreement unless I pay them approximately {$3000.00}. I 've asked a supervisor to me to explain and no one has returned my call. I called again and they still tell have n't return my call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian is not responding to any of my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

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