milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/30/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XX/XX/XXXX XXXX FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; This is not my NAME : XXXX please removed XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX this is not my name : NAME : XXXX please removed XXXX XXXX XX/XX/XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Debt collection (Other debt) with Prince Parker & Associates (CA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Received call from XXXX XXXX XXXX Supposedly in North Carolina stating they had received letter from XXXX re an old bill. They wanted my credit card information and to pay now or else my credit would be ruined. 
Called XXXX, they verified that bill was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Debt collection (Non-federal student loan) with The Phoenix Recovery Group (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a call from Phoenix Recovery Group They keep calling asking for {$4000.00} they say I cosines for an apartment for my Daughter. I told them that I signed only the first lease but that she stayed after the lease was over and I did not consigned the second lease. They just keep calling and have reported it to the credit beaurow. I am 100 % VA XXXX and this is making me very disturbed. I have a copy of the second lease showing I am not on it

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Mortgage (Conventional home mortgage) with GUILD MORTGAGE COMPANY (ID).
Issue: Closing on a mortgage

Complaint: I was working with Guild Mortgage back in XXXX, XXXX to buy my first home. I had already been approved when I was asked by the lender if I wanted to either close before XXXX XXXX or prepay my taxes in order to qualify for the homeowner 's exemption that would reduce my overall taxes. The lender explained that either way, I would get the exemption and most of my pre-paid taxes would be returned to me at the end of the year when the tax bill came out, as I would be essentially double paying with both my prepayment and my escrow fees. The lender even called my mother to encourage her to loan me the money for these upfront tax payments, which she did, telling her the same thing. We closed on the loan and I moved into my first home. Then in XXXX, I got the tax bill with no homeowner 's exemption. When I called the tax assessor, they told me I did n't file the form before the XXXX XXXX deadline, so there was no exemption, and that they had never heard of anyone getting this exemption by pre-paying. When I tried to resolve this issue with Guild, they told me I had " misunderstood '' and that at no time did they ever say I would get the exemption, and that I prepaid in order to get lower taxes. None of that is true. I have essentially paid twice for the same tax bill, and I believe I am due the money back that I borrowed from my mother and paid up front.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company which I hold no contract with, nor have received services from, reported a collection account against my SSN in the amount of {$370.00}. I sent a certified letter asking for validation with a signed contract, and received no response. I filed a complaint with the CFPB on XX/XX/XXXX. JH portfolio responded on XX/XX/XXXX. However, they still did not show adequate proof of validation. They sent me a bill. According to FCRA that is not proper validation. Proper validation, I requested was a signed contract. Considering this business has not provided proper validation, Im not obligated to pay the alleged 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 07/18/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have a XXXX private loans that belonged to XXXX XXXX, now Navient. I did not pay them for atleast 2 years due to being unemployed and financial hardship XX/XX/XXXX-XX/XX/XXXX. I started paying them 2 years ago ( XX/XX/XXXX ), was put into a rehabilitation program for my Federal Loans and passed through it. My private loans, however, still say that I 'm 19 payments behind and are in collection on my credit report. I have called Navient numberous times to try to settle my judgement on one of the private loans and to set monthly installments to settle the other debt. They only say to " keep doing what I 'm doing. '' and that I 'm in good withstanding. This is saying one thing to me, but on the reports, they are destroying me!

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with VW Credit (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX, XXXX To the Consumer Financial Protection Bureau. 

I have a complaint and believe that I a.m. not being treated fairly by VW credit. 

In summary, a XXXX XXXX that I recently leased was not placed on auto pay at the time of purchase on XX/XX/XXXXat XXXX XXXX XXXX XXXX XXXX as I had been promised. 

XXXX XXXX XXXX VIN : XXXX Account Number : I was led to believe that placing the vehicle on auto pay would decrease my monthly lease payments XXXX XXXX XXXX XXXX XXXX. 

I was initially made aware that this was not the case 37 days following my purchase on XXXX XXXX, XXXX. I made an online payment at that time of {$830.00}. 

I called XXXX XXXX XXXX, XXXX to remedy this. 

Obviously this was not remedied given that I was again notified on XXXX XXXX, XXXX that a payment was overdue. At that time I made an immediate payment of {$1200.00}. Unfortunately this payment was approximately 34 days past the due date and reported to my credit union. I again asked as to why Autopay had never been initiated and was told, for the 1st time, that they had no longer initiated such for the last year. I was never told this. 

This was not the case for the other 5 XXXX that I have previously and concurrently leased, which were all on Autopay. 

I would ask that this negative report be removed given that it was not completed at the dealership as promised. I have never had this problem with 3 prior purchases at this dealership and 2 additional purchases at other VW dealerships. I have made well over 200 lease payments to VW over the past years with no late payments. 
Previous leased VWs on auto pay XXXX XXXX XXXX XXXX ) XXXX XXXX ... XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account Type : Lease Account Type : Lease Account Type : Lease Auto pay Auto pay Auto pay Current leased VWs on auto pay XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX VIN:XXXX VINXXXX Account Type : Lease Account Type : Lease Total Amount Due : {$250.00} Total Amount Due : {$250.00} Due Date : XXXX XXXX, XXXX Due Date : XXXX XXXX, XXXX Autopay Autopay I made an initial inquiry to VW credit on XXXX XXXX, XXXX with minimal to no help. 

I made a 2nd inquiry to VW credit on XXXX XXXX, XXXX which was ignored. 


I appreciate your help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
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: Hello my name is XXXX XXXX, and I have had an ongoing issue with Experian since XX/XX/XXXX. Experian has refused to remove incorrect information from my credit file with the exception of fraudulent inquiries. I have disputed this same information via fax, certified mail, and online and to my avail nothing has been done. There is currently an account that is duplicated. I just want my credit file to report accurately as I 'm trying to get things in order to purchase a home for my family and I. Attached you will find copies of my disputes and below is a list of the things that are currently incorrect. Duplicate Account XXXX XXXX XXXX Acct # XXXX Unverified Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/XXXX,XX/XX/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 non-monetary relief
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NE).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I was an Equifax customer due to a breach from a retail website. They paid for a year of free coverage with Equifax. Then I paid for additional protection and entered Drivers license and passport and then Equifax had a breach and when I called they said they would give me a free year of service with XXXX. 
I could not authenticate my identity after two tries so the service never worked to where I could see my credit report or anything. 
I just got an email today saying I was signed up and to check online. Again I tried to authenticate and failed and called the XXXX no. that popped up on the screen. 
They said that since I did not authenticate by XXXX. I was cancelled for the free year of service. Why did they send me an email as a XXXX MEMBER? SEE EMAIL ATTACHED. Equifax should be made to honor commitments. I was never sent an email saying I had a deadline to authenticate. 
They are the biggest bunch of dishonest people I have ever worked with. They never told me about Equifax 's breach ( found out in the news ) And I was a paying customer. Nor did they offer a free service after the breach. I spent hours of the phone with them to get them to agree to do it and now they are taking it back. Government should shut them down.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (TN).
Issue: Account opening, closing, or management

Complaint: My wife and I had a XXXX XXXX card which we have paid off and closed the account. Our payments to the card were via bank drafts, consequently, we unaware that a company had attached itself to our account and was charging monthly, based on our balance. The company is XXXX XXXX in Georgia. For two months, I have called the company and the have lied to us more than once. The owe us {$1000.00}. They have said that a check was mailed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. None of these checks has ever reaches our mailbox.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-12-2017 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX I submitted my mortgage payment through Caliber Home Loans online site. I have been paying my mortgage this way since I got the loan and I have never had any problems until XXXX. My payment was denied. I called and was told my account was closed. This information is incorrect. My account is valid and funds are available. I made my payment again on XXXX XXXX and again it was rejected. I called again and talked to a supervisor who was no help at all. I was told I could not have the phone number to their accounting department to try to straighten this out as they do not take phone calls! What? That 's ridiculous. How can you resolve an issue if you ca n't talk to anyone! I called my bank and they said a payment was never initiated by this company. I ended up sending a check overnight and I am still waiting to see the outcome of this " try '' which will be # XXXX now. I am concerned because everything I am reading on the internet it seems this is happening to a lot of people every XX/XX/XXXX. Seems to be too much of a coincidence to me. I do not want my account to be late or late fees added when I am doing everything I can to keep my account current.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: I 've been disputing a corporate account from my personal profile and XXXX not only did n't resolve it they also refusing to dispute it again although they 've been notified that it 's a corporate account and should not be on my report

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 11/19/2015 about Debt collection (Medical) with CREDICO. INC (SD).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: The options above do not really describe my situation fully so I chose the best option. 
The CCB does not have the correct address for me on file. They continued to deliver mail related to the matter to a family member 's house and other times had someone serve me papers at my employment. They knew I did not live there but made no attempt to get a correct address, therefore incurring more fees for a process server, and making it difficult to follow what was going on with the case. I would get served, but other times, important letters would go to a different address. 
I am a single mother and I receive no child support from the other party. I am responsible for all monthly expenses, daycare costs, preschool costs etc.. with XXXX income. I incurred some medical bills that I just could not afford and therefore the collection company was involved. These medical bills were incurred XXXX. 
I was served with the judgment and when I tried to work something out with CCB they were just downright nasty to me. 
The first time I called them, the amount to satisfy judgment was XXXX. I asked if there was any negotiation or to work out a settlement as I wanted to take responsibility and pay this in full. 
The next day when I called them to follow up, the amount to satisfy judgment was now over XXXX. Later that same day it was back down to XXXX but then they were going to add process server fees to the amount. They knew that I had the amount of cash that was stated in the judgment papers in hand to resolve the matter and refused to work with me. They would not lower the interest rate to make the amount more manageable. They have been very rude and difficult to work with and basically have given me less than XXXX hours to get the judgment paid in full and get the papers to my place of employment to stop the judgment before it hits payroll at my job. 
I am requesting a refund of the interest that was charged in the amount of {$420.00}. These people screamed at me on the phone, hung up on me, when all I was trying to do was find out if they would lower the amount just a little and work with me. And they refused..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There was a public record on my report that was inaccurate so I disputed the accuracy of the report. XXXX confirmed that they verified through the creditor that the information was correct. 

I wrote the court to ask how they verify information with the credit bureaus. They said that they do n't. 

I sent this info back to XXXX and asked for their method of verification. 

They confirmed they gathered the information from a 3rd party XXXX. 

I wrote to XXXX to ask how they verified the information. They wrote me back and said they HAVE NOT been able to verify it and have removed it from their records. 

I sent this information back to XXXX and they still have not removed the inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BB&T CORPORATION (TX).
Issue: Application, originator, mortgage broker

Complaint: I moved XXXX in XXXX 2015. I had a contract on a house for {$560000.00}. I planned on putting 20 % down and obtaining a 80 % loan from XXXX XXXX. She informed me that I had XXXX late pays from BB & T on a HELOC loan I had with them on my house XXXX. I was livid because I knew I had on late pay in XXXX of 2015. The credit report showed XXXX late pays, XXXX in XXXX and XXXX in XXXX of 2015. I called XXXX XXXX and XXXX XXXX of BB & T to find what was happening. I was never able to get a definitive answer from either man. Only after numerous calls from XXXX XXXX of XXXX XXXX was I able to get a letter from XXXX XXXX ( letterenclosed ) .I was only able to get a first lien from XXXX XXXX for {$410000.00} at 4 1/2 % and a second lien from XXXX for {$38000.00} at 5 1/2 % because of the erroneous late pays turned in by BB % T. Now, 5 months after my closing, I went back to XXXX XXXX to obtain a new loan that would reflect the current loan market. What do I find. The new credit report she obtained had the same XXXX late pays from a year earlier. BB & T failed to do their due diligence and I was having to suffer the consequences again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: In XXXX ( perhaps coincident to the early spring XXXX hack ) my credit card activity had six or seven incidents of unauthorized use. I filed a report with the FTC and with my local police department. 

I decided it was best to freeze my accounts at the three credit bureaus. I confirmed that for the state of Oregon and because I was the victim of identity fraud, that I could freeze my accounts for free. 

XXXX was an easy freeze. 

I went on the XXXX site and asked for a credit freeze. I could only get one if I  paid {$10.00}. There was no option to select for those who were identity fraud victims and were entitled by Oregon State Law to a free credit freeze. XXXX  had a link which provided all the state laws regarding the charges for credit freeze. Virtually all were represented. Except one. As luck would have it, Oregon was missing. 

I called XXXX and selected " add or remove credit freeze. '' That selection put me in a loop which did n't allow me to pursue a credit freeze. After a few minutes, it dumped me out. 

I had a similar experience with Transunion. I attempted to freeze my credit on line. I was given no option for a free freeze because of the ID theft. I called Transunion, and also got looped through to a number of recordings and false choices which eventually dumped me out. 

This has been a challenging experience, having one 's personal information and ID stolen. It is made all the more onerous because the credit agencies make requisite remedies difficult, and communications to resolve the issue close to impossible. It 's unjust.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint: I paid off my loan with XXXX XXXX XXXX on XXXX/XXXX/XXXX and requested on XXXX for the GAP insurance to be cancelled via email. They sent an email back requesting I fill out a form and return it, which I did the same day ( XXXX/XXXX/XXXX ). XXXX XXXX, an employee of XXXX XXXX XXXX, confirmed receipt of the requested document on XXXX/XXXX/XXXX. That same day I also sent the cancellation form to Santander and they confirmed it was cancelled on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I emailed them asking about my refund from the cancellation of the GAP insurance. They responded on XXXX saying the cancellation has been received and process and that I needed to follow up with the dealership to get my refund of {$800.00}. I have made numerous phone calls to XXXX XXXX XXXX asking about my refund and many times will tell me the person who handles is n't in that day and will call me back. I never receive a call back. I have again called today and was told they will call me tomorrow. On XXXX/XXXX/XXXX, when I initially called to cancel, they told me it would take XXXX weeks to receive my refund and have since not been given any reason why I have not received it in the quoted timeframe.

Company response to consumer: Closed with explanation