milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/16/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Filed Chapter XXXX XXXX/XXXX/2005, would like it removed from credit file. It 's been well over seven years, almost ten.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I contacted the company that issued the debt to CMRE and they said they would contact CMRE to remove the debt owed, since it was off the books. However, CMRE still has not removed the debt from my credit report, thus financially hindering my credit abilities and is in violation of the fair credit reporting act. CMRE fails to return any of my phone calls or acknowledge my attorney 's letters. XXXX Adverse Accounts still remain on my credit report from CMRE Financial.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (NC).
Issue: Application, originator, mortgage broker

Complaint: I have been trying to obtain a mortgage from a financial institution for over 3 months. In this time frame, they have requested irrelevant and personal information, neither of which pertained to my loan. I have gone above and beyond providing whatever they asked for to the best of my abilities until I had finally had enough and told them they were invading my privacy. I have an almost XXXX credit score and no debt on my credit report. I have been dragged along and promised on XXXX specific occasions that I was 100 % approved only to be followed by " and now we need this, BUT you 're still 100 % approved ''. I fear I am going to lose the home I am trying to purchase due to their outrageous demands for irrelevant information and being dragged along for over 3 months. If I choose to go with another lender, I will be out over {$18000.00} due to rates rising as well as the money I have put into all the appraisals and inspections I have already put into the home. Approximately a week and a half ago I was surprised with a call from the lender demanding I produce a document that the sellers claim does n't exist. It is a " XXXX road maintenance agreement '' and I was being forced to draw up a petition and have all my neighbors sign it and the purchase of this home I 'd like to buy is contingensign people I do n't know and that do n't know me signing this agreement. I do n't feel this is fair to place the fate of this home on my soon to be neighbors who have already supposedly not agreed to sign the made up form. I 'd like to report SunTrust for false representation and fraud and if they do not approve me after all this time and I 'll be out so much more money, I 'd like to some how getthat back as well to put towards my new loan. Time is of the essence on my loan given that my closing date is XXXX XXXX. Thank you for all your assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I asked capital one, via telephone to have my account XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX closed on XX/XX/17. They have not provided any documentation that they did so, and they flagged the account as restricted. They will not give me permission to record the conversations but they do. The law needs to be changed to require a email response to the request and there response, as it is now it only protects the powerful at the expense of the consumer. The internet providers are worse they lie and abuse customers with impunity. 
How do I get capital one to close my account?

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problems caused by my funds being low

Complaint: Bank Of America Have Become Very Inhumane And Their Fees Are Just Unjust! In Less Than XXXX Weeks I Was Charged XXXX Fees Totaling {$490.00}. Some Of These Charges Are For The Same Items - Same Item Charged XXXX Fees ( Fee Charged For Paying Item, Fee Charged For Un-paying The Item And Then A Fee Charged For Overdrawing Account. Called Bank Of America And They Were Not Understanding Of The Depressing And Hardship These Fees Have Caused.

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 06/29/2017 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: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Mn. Is trying to say I still owe on something u filed a Bankruptcy over for XXXX. they have tried to reage the account to XX/XX/XXXX when in fact they 've had it since XX/XX/XXXX. When I filed against XXXX back then it was filed against XXXX XXXX.XXXX IL.XXXX now their trying to stick me with it reaged. The credit bureaus do n't believe me even though I 've offered proof.

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 11/25/2017 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: Account status incorrect

Complaint: Around XX/XX/XXXX I filled out a deferment request to XXXX XXXX XXXX XXXX. I never heard back in over 1 month. In XX/XX/XXXX ; I received a letter stating the form I sent was not the correct form and my request was denied. Around XX/XX/XXXX my credit report was reported that my account was 30, 60, 90 days past due and my score dropped 100 points. I filled out another form exactly the same as the previous form and in XX/XX/XXXX I was granted the deferment. I made payments in XX/XX/XXXX, XX/XX/XXXX and 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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: These accounts are not mine I recently had identity theft and submitted a fraud affidavit to all 3 bureaus. these accounts are not mine. 
1.XXXX XXXX 2 . XXXX XXXX. 
3. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received another inquiry on my credit report that was not authorized. I am a victim of identity theft. I have a police report number for a report filed with the XXXX Police Department which is : XXXX This inquiry was not authorized by me. 

I have attached letters from other creditors showing their investigation results.

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 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: {$6000.00} of balance from SANTANDER BK, which was a different bank at that time, has been on my credit report for 7 years. I have tried to remove them but has not been successful. I am not sure if this belongs to me. I would like this balance to be removed my credit history.

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 02/25/2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Fraudulent inquiries.

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 10/13/2016 about Debt collection (I do not know) with Halsted Financial Services, LLC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A representative called me and I missed the call. When I called back a rep named XXXX answered and asked to confirm my name. I confirmed my name after asking which company he represented. Due to his accent which fluctuated during the call ; I thought he said he was from " XXXX ''. He then said he was calling about a " paper '', and asked me to confirm my social security number. I do n't believe he identified himself as with a debt collector. I stated that I had no business with his company, and do not feel comfortable sharing my private information with him. He clarified the name of his company as Halsted Financial Services. He stated that he already had my private information on file. I reiterated that I have no account with his company, and am uncomfortable with him having my private information. Realizing by his tone that he was a debt collector ( I had not heard of the company before ) I asked that he communicate by writing instead so that I could confirm his claim that I had business with his company. In the middle of making my request he called me " uncooperative '', stated that they would take action against me, and hung up on me. 

I know that it is my right to be able to confirm who he says he represents, and to have their contact information so that I can verify any debt information, and communicate in writing. 

1 ) Halsted did not honor my right to communicate in writing. 
2 ) Halsted did not respect my right to not have them call. 
3 ) Halsted did not provide me with a mailing address to continue communicating regarding their presumed business. 

Halsted is in violation of the Fair Debt Collection Practices Act. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (NC).
Issue: Managing the loan or lease

Complaint: I took out a {$400.00} loan with XXXX d/b/a XXXX ( or now XXXX ) XXXX, XXXX, MI XXXX and am being charged 866.8124 % in interested. I did not know that the interest rate would be so high or I would not have taken the loan out. I did some checking and found that your organization could help me with this. Please let me know if there is anything else you need for my complaint. They have deducted 4 payments of {$140.00} each every 2 weeks for a total of {$560.00} via ACH from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Payday loan () with Cottonwood Financial Ltd. (IL).
Issue: Charged bank acct wrong day or amt

Complaint: The cash store in XXXX IL over drafted my bank account {$300.00}. Their so called collection agency XXXX XXXX XXXX called me and wanted me to set up a payment plan. I looked up my credit report and they are not on there. I think they are a false company and would like them to stop harassing me. I want my {$300.00} back and be able to set up an actual payment plan with a legit collection agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: Recently I received my homeowners policy bill for XXXX. I noticed that my policy amount had increased over 10 %. I made inquiry regarding the increase, and was told that it was because of my credit score/ and credit comments. My credit score ranged from XXXX - XXXX, during XXXX. I have excellent credit scores. I was told that because inquires were made on my account, this was the reason why, my insurance policy rate was increased. I asked the person I was talking to this question! Each time companies checks my credit score or history, my credit score, is negatively being impacted. The person 's response was, " Yes ''. Why would a person 's credit be negatively impacted, simply because they are trying to find better rates of insurance on their homes, and/or autos? This does not make any sense. I could understand if a person, received credit, or incurred some type of increased debt, their score would be negatively impacted. However, simply inquiring or seeking to get better insurance rates, on their homes, vehicles, or seeking credit, should not negatively impacted, their credit scores. The system is indeed rigged. A person 's credit is dinged each time an inquiry is made, and they are dinged again, if they obtain credit, or increased debt. " What is wrong with this situation? '' Please can someone tell me why this is the case? Impacting a person 's credit, after they get the credit might be appropriate, but doing it simply for making an inquiry, is double jeopardy. I am requesting that the Consumer Financial Protection Bureau, investigate this matter. American Citizens, are having to pay higher rates for credit, insurance, and other financial transactions or instrumentalities, simply because inquiries are made into their credit history. Credit Card companies, and other institutions are receiving XXXX of dollars, because of this practice. It should be illegal, for these institutions to decrease a person 's credit scores, solely because inquiries are made into their credit history. If a person 's credit scores must be adjusted or negatively impacted, it should be done, if and only if, credit is issued ... XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX ... Email : XXXXXXXXXXXX Tele : 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 05-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid off a debt item in early XXXX 2016. I was told my credit report would be updated at the end of the month to reflect the credit was paid in full at that time. I had my report pulled a couple days ago and the item is still showing that I owe the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (PA).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: I am a victim of fraud and filed a claim with NetSpend on XX/XX/XXXX for {$2100.00} ( claim # XXXX ) for money fraudulently debited from my account. OnXX/XX/XXXX I received an electronic notification from NetSpend stating the " disputed transaction claim has been resolved and after investigating your claim, we have confirmed that the error ( s ) should be corrected. $ that was erroneously charged will be credited back to your account today. Any associated transaction fees will be credited within 10 business days. '' Today is XX/XX/XXXX and the funds have not been credited back to my account. I have called three times, spoken with XXXX, XXXX, and XXXX. They stated the email was a mistake and it " happens all the time. '' I explained the only written notice I received states my investigation was complete and an error occurred and per Regulation E the error must be corrected within one ( 1 ) business day. I was hung up on, transferred, and each individual refused to resolve this issue by providing the credit I am entitled to, that was promised in writing, and that is required under the law.
I have attached documentation of the notice and I am requesting NetSpend immediately credit my account in the amount of {$2100.00} and any applicable 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 explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Im a victim of identity theft and have had a fraudulent personal loan opened in my name with a company by the name of XXXX XXXX. I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. The address on file that XXXX XXXX have for this fraudulent account does not belong to me, and Ive never resided at the address. This company keep trying to validate this account as being a valid account, because this account was opened in my name which in inaccurate. I didnt consent, authorize, apply, nor request for this fraudulent personal loan to be opened in my name. I have several documentations showing that this is a fraudulent personal loan, but this company keep trying to validate this account with the credit bureaus as if this is a valid account. The address on file is does not belong to me, the account was not authorized to be open by me, and Ive been a victim of identity theft over a year. The XXXX police department deemed this fraudulent account as a fraudulent personal loan, and it is documented with the XXXX police department that, Im a victim of identity theft. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. When a consumer is a victim of identity theft that account that was opened in the consumer name will show that the account is a valid account. Due to the fact the perpertrator who opened up the fraudulent account in the consumers name used the consumers personal information to have the fraudulent account opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in the consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with this consumer. Im not going to be liable nor responsible for a fraudulent personal loan being opened in my name as if, Im the one that applied for this fraudulent account. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming this account as a fraudulent account, and this account need to be deleted/removed off of my credit files asap. This is not my account, and I shouldnt have to deal with an issue as such. I need assistance with having the account removed off of my credit files asap, and for this fraudulent personal loan to be removed out of my name immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Credit report states negative items due to credit inquiry. No credit inquiries are listed. Credit report states 21 % of credit is being used. This is incorrect. 
This changed my credit by 50 points, knocking it down a full level. All the errors are inside the actual credit bureaus, as their report do not actually have any details to confirm their supposed negative items. Their error-correcting webpages don't seem to have a way to correct ghost errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Consumer Loan (Vehicle loan) with U.S. BANCORP (NY).
Issue: Managing the loan or lease

Complaint: I bought a car in XXXX on XX/XX/XXXX as I was living there at the time. US Bank is the lienholder on the car. In early XX/XX/XXXX I moved back to XXXX. My registration on the car came due at the end of XX/XX/XXXX and I tried to get the car registered in XXXX. I made at least XXXX trips to the XXXX over the course of about XXXX months and and spent countless hours on the phone with US Bank trying to get the title information to the XXXX in a form that was acceptable. I was never able to register the car in XXXX. Apparently XXXX is a digital title state and XXXX is a physical title state. While this should not have been much a problem it was a significant and apparently unsurmountable obstacle. First, it took XXXX weeks for US Bank to create a physical title. The first copy they sent to the XXXX XXXX never arrived. The second copy they sent was tracked to a XXXX in XXXX that was hours away from my location. The third time also never arrived. In early XX/XX/XXXX, I moved to XXXX for a job transfer and decided to try to register the car in XXXX to see if it was easier. While XXXX is easier on the XXXX side, the US Bank side continued to be nearly unworkable. XXXX XXXX needs a certified copy of the title and an official letter stating I can register the car. I am on my third attempt to get what I need to register the car from US Bank. The first time a rep handwrote a letter and took a XXXX photocopy of a title that said void all over it. The second time I got a typed letter and the same XXXX photocopy of the title. I am now on the third try with US Bank. In the meantime once my XXXX registration expired. I was never able XXXX XXXX the car as it was unregistered, although I was expected to continue making payments to US Bank. In total I have been paying for a car that I have not been able to register for XXXX years, XXXX months, XXXX days and counting!! How can a bank not know the process and what is needed to legally register their cars?

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 03/27/2017 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Back in XXXX I disputed information about a Tax Lien that was EXPUNGED. That information has now re-appeared on my report showing satisfied or paid which is FALSE, INACCURATE AND FRAUDULENT.

Company response to consumer: Closed with explanation