milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/27/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: refuse to investigate credit inquires that were not authorized Equifax claims that inquires are a factual record of file access a

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Mortgage (FHA mortgage) with MONEY SOURCE, THE (ID).
Issue: Loan servicing, payments, escrow account

Complaint: We have our home loan with The Money Source. Starting on the XXXX of every month they call repeatedly, almost everyday asking for us to make a payment. The last time my husband spoke with them he told them that the payment would be made on the XXXX. Today is the XXXX and not only did they call him this morning, early, but they callled his place of work asking to speak with him. My husband has told them numerous times to not call during the time he is working and they continue, he has asked them to not call him at work and yet this is the third time they have contacted him at work. They have been very unprofessional when he asks them to not call during the time he is at work. He asks them to stop calling he will pay on a certain day and they continue to call. They refuse to speak with me personal, for I am not on the loan and tell my husband that will send a " third party '' paper where I can be listed as a contact and we have yet to receive the paper they reference but we get all of communications from this company.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX XXXX was paid off & closed, subsequent fraudulent charge for an online subscription -- I did n't detect it for a few months or so. Contacted XXXX, but they did n't act. Eventually was charged off XX/XX/XXXX, and I sent a letter stating that I was not responsible for the debt to one collection agency XX/XX/XXXX, and a copy of that letter to the current collection agency about a year ago. Still, they call me several times a week, usually weekend days @ XXXX., so I have to unplug my phone to sleep.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (AR).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: cap-one finance has this excellent program that takes most of the hassle out of car buying ... ..they have a program that pulls a soft pull from ur credit report ... .it only becomes a hard pull is if u accept the load and go to the car dealership ... ..the dealership has to pull ur credit to make it a hard pull ... but all the negotiating is done thru cap-one ... so the way this program is set up they pull a soft credit then they let u know if u qualify and for how much ... they approved me for XXXX ... as the process was going on for each car i was interested in i would call cap-one rep and they would ask can they pull my navigator up so they can see what intrest and if they will pay full price for that car ... i saved bout 5 cars in my navigator ... .and each time i called them i gave them the vin number to the car alone with the car lot name to make sure they were a part of the program ... as 1 called them each time i would give them all the info on the car they would plug it in the navigator and tell me what the intrest was and if they would pay full price for the car ... .i came across the car i did buy thru them and ehrn the rep checked on that car it made the most sense ... i was quoted a 10.16 with a car note of XXXX $ a month ... .every call that i made was recorded ... everytime i called it always said this conversation is being recorded ... i didnt have my glasses when i signed my contract ... .but there was nothing to be allarmed about because me and cap-one had already came up with how much i can finance and what everything ... would be ... including my gap and my tax, title, and licenses ... after signing the papers a week later i was reading over them again and i discovered that intrest rate is wrong so i called cap-one and i told them that this id not what we agreeed on verbally ... and thats what was already setup in my navigator ... .cap-one told me that it was the car lot mistake but i dis agree because all the carlot was suppose to do is pull all of my info from my navigator ... .all the number were already talked out with cap-one ... .cap-one said that i signed so aint nothing they can do and i told them that them and i had a verbal agreement that they refuse to uphold their end of the bargin ... .i have proof what they said cause all of my calls were recorded ....

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have no morage taken out in XX/XX/2014, because I do n't have a home to take a morage out on I own a trailer house. Also I no longer have a loan out on my vehicle it was repossessed and sold by 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 explanation
Consumer complaint received 08/28/2015 about Debt collection (Medical) with Revenue Recovery Corporation (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: My father was contacted by a debt collector ( Revenue Recovery Corporation ) by phone last week claiming that I owed money to a hospital for my son in an amount under {$100.00}. My father was mailed a letter and he forwarded it to me. There are several issues : Upon receiving the letter, I had to dig through records from XX/XX/XXXX to find an EOB with the amount. I have an XXXX debit card, so all my payments are tracked. I could not find a transaction with that amount. That means that I was never sent a bill in the past year. I was also never contacted by the hospital or debt collector by phone, e-mail, or mail. The letter also states that " Pursuant to your telephone conversation with our representative, you promised to pay $ XXXX on or before XX/XX/XXXX ... .If we are not in receipt of your payment on or before the due date or have not heard from you why, we will proceed with further collection activity. '' So, the hospital has not billed me, but they sent me to a debt collector. The debt collector never contacted me, but spoke with my father who lives in a different state and the debt collector claims that I agreed to pay a certain amount by a certain date.The letter also only has my name, not the name of my son -- who it is supposedly for. There is also no account number for me to reference ( either for the debt collector or the hospital ). They also have given me 4 days to pay before destroying my excellent credit which has no late payments or public records of any kind.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/2018 I reported to Experian, XXXX  and XXXX that an account appearing on my reports was fraud. I notified idenitytheft.gov and followed there reporting procedures for identity theft. I sent a certified letter to XXXX and all 3 credit reporting agencies. XXXX  immediately removed the account, but Experain and XXXX have not. 

Know Experian is reporting this account as 90 days past due and charged off. This has resulted in my credit being damaged and has effected my credit.

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 04-03-2015 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (TX).
Issue: Making/receiving payments, sending money

Complaint: Beginning XXXX XXXX, 2015 I began reporting this charge on my account : Pending-POS Debit - XXXX Check Card XXXX XXXX XXXX XXXX - {$9.00}. Each time I followed the instructions of Navy Federal Credit Union ( NFCU ) representatives ; which was to submit a report of a fraudulent charge and cancel my debit card. Since my initial complaint, I have cancelled XXXX ( XXXX ) debit cards and yet this charge continues to appear on my account monthly. Moreover, there has been no resolution presented by NFCU other than to continue to cancel debit card after debit card and since this is a recurring problem cancelling my debit card has brought no resolution. Matter of fact, the number of cards I 've cancelled and have had reissued has caused a hardship for me with other ( authorized ) creditors. I have asked over and over for a way to block this charge from being charged to my account, to no avail. The latest representative recommended that I contact the vendor, who is unknown to me and I explained as much to the representative but it fell on deaf ears. I am frustrated and out of options of how to end this recurring unauthorized charge from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Credit card () with SYNCHRONY FINANCIAL (MN).
Issue: Credit determination

Complaint: Sometime in the XXXX to XXXX week of XXXX, 2016, I applied for the Sam 's Club XXXX. On XXXX/XXXX/2016 I received a response from Synchrony Bank stating that they were denying my application due to the following reason : " BANKRUPTCY PROCEEDING, CREDIT COUNSELING OR CREDITOR SETTLEMENT ''. I have reviewed the latest copies of all three of my credit reports and none of them reflect any of the above whatsoever. I do not have any bankruptcies, nor have I had any credit counseling or creditor settlements. I monitor my credit reports monthly so if any such information was present I would know about it. I wrote Synchrony Bank a letter on XXXX/XXXX/2016 asking that to please either provide the " current '' credit report that shows this information or to please reconsider my application. I never got any response from Synchrony Bank. It seems very unfair to have a financial institution use inaccurate information against me in determining my financial creditworthiness. I even wonder if it is legal for them to state such reasons which are simply not accurate according to all XXXX of my credit reports.

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 03/24/2017 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: Billing disputes

Complaint: I made a payment for my tuition on XXXX University 's payment portal ( on XX/XX/XXXX2017 ) for an amount of {$710.00}. The webpage had a technical glitch and cause my payment to be charged three times instead of only one. I disputed XXXX of the transactions with my credit card company and they gave me a temporary credit until the issue is resolved. I managed to resolve the issue with XXXX University in regards to the duplicate payments and they gave me a refund for the XXXX extra {$710.00} charges by sending me a check. I reached out back to my credit card company and requested the dispute to be removed and marked solved. The bank marked the XXXX disputed ( case numbers XXXX and XXXX ) as solved and posted a re-bill on my account to process those payments. After a month of going back and forth with XXXX University they claimed that they only received XXXX of the re-processed dispute amounts - so there is a {$710.00} outstanding. Chase has done nothing to help me locate where that payment is and XXXX University has over exhausted their resources trying to find the payment processed by Chase. The XXXX disputes were reprocessed on XXXX/XXXX/2017 with the following description on my credit card statement " REBILLXXXX UNIVERSITY ''. 

Please help me find where the second payment is and why it has not reached to XXXX University. There seems to be some sort of fraudulent activity taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: incorrect phone number reporting on my credit.

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 08-12-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. In XXXX 2016, the credit bureaus removed the inaccurate information via CFPB and in less than 20 business entered the public record therefore holding my identity and credit under " Consumer Lock '' for 10 years. My initial dispute stated that the Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I did not sign or authorize these transaction please delete

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 05/20/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: As part of a divorce settlement, I signed a Special Warranty Deed, drawn up by my attorney. According to the State of Texas, I am no longer an owner of this property and not responsible for making payments. My ex-husband does not show enough income to re-finance the home in his name only, so my name is still on the mortgage documents with Wells Fargo. In XX/XX/XXXX and XX/XX/XXXX, the payments were made more than 30 days late. This is now reflected on my XXXX credit score. My score dropped for the high XXXX 's to XXXX due to the late payments and will remain so for seven years or longer. Due to the low credit score, I am unable to get a loan for anything, have been turned down when applying for an apartment lease, would not come close to qualifying for a loan for a home for myself and my XXXX children, and could be harmed when seeking new employment. I have, in essence, been held responsible for a debt I no longer owe according the the laws in Texas. I contacted the XXXX credit bureaus to dispute the derogatory comments on my reports.While they did not remove the items, it is listed as " disputed '' on each negative item. On XX/XX/XXXX I contacted Wells Fargo bank to explain the situation. While I am not expecting them to remove my name from the mortgage, I do expect them to report to the credit bureaus that I have made a formal complaint and remove the derogatory comments. Their reply was that they could not do anything help me. Their advice was to contact my attorney and force the sale of the home. I do not have the {$7500.00} deposit required to hire yet another attorney to force the sale of the home. The mortgage still has 15 years remaining until paid in full. This means that for the next 22 years my credit could reflect a negative comment every time the mortgage payment is not made on time. I am being punished for the bad acts of another with no chance of relief without spending thousands of dollars I do not have.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX submitted a credit inquiry on my credit report without my consent. XXXX agreed to deleted the inquiry after I filed a complaint with the Consumer Financial Protection Bureau. XXXX added it back to my credit report. I have asked them to remove it and Equifax to investigate it, they have both refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Bank account or service (Other bank product/service) with CITIZENS FINANCIAL GROUP, INC. (CA).
Issue: Making/receiving payments, sending money

Complaint: Hi I sent {$3700.00} to my son by using the pay bill online service of the Citizens Bank. The money was cashed by somebody else. The Bank refuses to refund my money and claims that the check that was sent to my son was altered by somebody who scanned and cashed it in XXXX What recourse I have?

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/13/2015 about Debt collection (Credit card) with Herbert P. Sears Co., Inc. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Just recently I had the opportunity to retrieved a copy of my credit and a consolidated credit search was conducted and as a results there was rrightigjt away identifing what debt I hadhad and were actual mine. One of the account from the list is unfamiliar and I have no recollection of this HERBERT P SEARS CO for XXXX. I believe this is not a debt that I have owned or recollect. I should have received calls, or mail. I have contacted all accounts of debtdebt and have set up arrangement s, and payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX, XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account.

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 04/18/2016 about Student loan (Non-federal student loan) with American Coradius International LLC (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have repeatedly told American Coradis that the loan is not valid and that they should stop calling my job or my home. I have repeatedly asked on the phone for proof of debt and that I signed any documents for the loan. They have not provided such proof. I sent a letter advising them to cease phone calls and provide me with proof. They have not complied, yet they keep calling. Apparently someone I used to know had a student loan that I cosigned for and was approved for numerous forbearances, and then defaulted. I was never notified that there were forbearances and default until years later. I did not approve this. I need them to stop harassing me and provide the proof that I have asked for on so many occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DC).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: XXXX XXXX XXXX is a shame. I want a current report that I can download and retain. For years I was able to get an annual on-line credit report. Now after I give out all my personal information, I get a standard PDF form that I must send in to get the report. I want to download my most current report and not get a hard copy mailed to my address that is a month old by the time I get it. I do n't want hard copy mailed to me ; I want do download a current version copy. Why do I have to verify all my information on-line if at the end of the exercise I have to complete and send in a hard copy form????? Is this just another exercise to collect data on me????? I do n't want month old hardcopy mailed to me sitting at my doorstep that anyone can pick-up and use to steal from 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 non-monetary relief