milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Back in XXXX I was looking at my credit report and noticed there were some accounts that did not belong to me. XXXX of the accounts on my credit report that is n't mine is being reported by Enhanced Recovery Corporation. It is for an XXXX XXXX XXXX account. I disputed the account with the credit bureaus as not belonging to me because I currently have and have had XXXX XXXX XXXX for the last 7 years! I am a current client of theirs and do not owe them any money! Well I was shocked when the account came back as verified. 

When the account came back as verified, I called Enhanced Recovery to figure out how they were verifying the account. I spoke with a XXXX XXXX and asked for documentation on this supposed debt as well as an itemization of the supposed charges. I was told that " media '' would be requested and I would be provided with an itemization of these charges. 33 days later I still have n't been provided with any documentation and now I ca n't even get a straight answer as to what is going on as I am being transferred from XXXX office to another since they claim they have XXXX offices. 

I am no expert on the law, but I have done research on this type of thing and from the Federal Trade Commission 's own link to the Fair Debt Collection Practices Act, a collection agency has 30 days to provide validation of the debt or stop collecting the debt as it is not a legitimate debt. Enhanced Recovery has failed to validate this debt yet still refuse to remove it from my report. Furthermore, they ca n't even give me an excuse as to why they ca n't validate it or remove it. Actually, they do n't even talk to me much because they keep trying to transfer me to supposed supervisors who are always busy. They even went as far as to say they would give me the information to the president 's office and put me on hold for XXXX minutes before the line was disconnected. 

I may not have perfect credit, but I should not have to suffer illegal credit reporting for something that is not mine. I am a current customer of XXXX XXXX XXXX and have been for 7 years so how could I have a collection that XXXX XXXX XXXX themselves have not contacted me about? Enhanced Recovery is making my credit worse without proving that the debt is mine or even legitimate. Because they refuse to even talk to me, I am contacting you so you can investigate them as I am sure that I am not the only person they are doing this to. If I do not get a resolution on this I will be forced to sue them as I will not tolerate being treated like this. There are laws and just because they are collection agency does not mean they get to ignore the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-02-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I attempted to shop for a good rate for a car in XXXX of 2014. I went to one XXXX dealership and I received 9 hard inquiries on my credit report and my score dropped between XXXX points!. I applied for rental housing and was denied based on my credit. How can I get these inquiries immediately removed from my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I got a modification loan for my mortgage in XXXX 2015. I have been doing payments since then, but I have empty almost all my savings and I struggle every month since the modification the bank gave me has a payment amount higher than the original mortgage payment ; according to the bank that was the best they can offer me if I want to keep my house. This is a 40 years mortgage for {$280000.00} at 4,5 %. If I make all the payments, I been paying almost XXXX XXXX dollars in interest for this loan. Could you help me to find if the bank was right in their decision? Do I have another and better option?

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Vehicle loan or lease (Loan) with Bridgecrest Acceptance Corporation (OH).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XXXX XXXX, 2017 I made an online payment of XXXX for my car loan for Bridgecrest ( formerly XXXX ). When that payment posted to my bank account on XX/XX/XXXX Bridgecrest had taken those funds twice. I then called my bank and they reversed one of those payments due to Bridgecrests error. On XX/XX/XXXX, I checked my Bridgecrest account and noticed that they had reversed my payment on their end and charged an NSF fee. I then called Bridgecrest where they continually told me that the payment was stopped. I explained that the payment was reversed by my bank due to them pulling it twice. They said the only thing I could do was send a bank statement as proof the payment came out twice and was reversed once. I asked if there was another means of providing proof since my bank statement wouldnt generate for 2-3 more weeks. They then said that it must be my bank because other banks will provide it and I could only resolve it with a bank statement. Once I received my bank statement on XX/XX/XXXX, I emailed it to them. After a week of no notifications, I called and verified that the statement was in fact received. The manager said that it would be sent over to the treasury department to be fixed and she saw that there were 2 payments made and one reversal. She also assured me that the collection calls would stop while they fixed it and it should only take 48-72 hours for the error to be resolved. Today, XX/XX/XXXX, I had to call them because I have continued to get collection calls and the issue still hasnt been resolved. When I called the manager told me that after research they never received the payment and it wouldnt be fixed. I then spoke with XXXX who was extremely rude and after not taking no for an answer she asked that I emailed her my statement again for research. I asked how long before she got back to me and she couldnt answer my question. Bridgecrest is essentially stealing my money and do not want to fix an error that was made by them. I am having to call and email information over and over with no resolution. Also, during this time I have only received automated collection calls. No calls from a live person or a letter to inform me of what is going on.

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 09/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with WELLS FARGO & COMPANY (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Reported that I had a fraudulent account ( checking account ) with Wells Fargo back in XXXX of 2016. I have a benefit that allows for a Fraud advocate to help me. We provided all the documentation to advise I was a victim of ID Theft, including a police report and ID Theft Affidavit as well as other documents. We were told in XXXX of the offices that this was resolved as fraud, but come to find out they did not resolve it, but sold it off to a collection company during the time they were investigating the debt or after they told me it was resolved as fraud. Case XXXX acct # 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 08-11-2015 about Mortgage (Conventional fixed mortgage) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Application, originator, mortgage broker

Complaint: On Friday XXXX XXXX, 2015 we called Capital One home mortgage in response to an unsolicited e-mail for a home mortgage. XXXX XXXX XXXX took all our personal information, stated he never saw such great credit scores from a married couple and issued us a prequalification letter to take to XXXX while looking for a vacation home to purchase. He invited us to telephone him at any time for assistance. We found two homes and our first choice was on leased land. We telephoned leaving a message for XXXX XXXX. Would leased land disqualify us. In his outgoing message he ask that we also send an e-mail. We did this also. We never heard from him and had to leave XXXX for home in XXXX as our allotted time was over. The week of XXXX XXXX, 2015 we telelphoned XXXX XXXX XXXX, the supervisor of XXXX XXXX and left a voice mail asking him to contact us. On XXXX XXXX, 2015 a women telephoned us and identified herself as a " concierge '' from XXXX home loans. She was following up on our app " to help us with the process '' and not responding to our attempts to contact loan officers. She said XXXX XXXX was in the office this day but not at his desk. She stated she would have him call us upon his return. He did not. On XXXX XXXX, 2015 I called the general phone no. for XXXX loans. I talked to XXXX and told him this story and that no one had ever made contact with us. He promised a supervisor would call us this same day. No one has ever contacted us. We lost the opportunity to purchase either of the home we wanted not to mention the hundreds of dollars we spent in our quest. Our advise to all others ... .stay away from Capitol One Bank or be sorely disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (Credit card) with Law Offices Howard Lee Schiff, P.C. (RI).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: This problem began back in XXXX XXXX when XXXX XXXX XXXX was collecting for this defaulted/ charged-off XXXX XXXX Account with a balance of {$980.00}. XXXX XXXX XXXX after reviewing my personal income and assets, they determined I was " judgement-proof '' for the foreseeable future. Soon I received harassing calls and letters from the " Law Office of Howard Lee Shriff '' in XXXX, RI. I agreed to pay {$10.00} a month towards the balance as agreed to with their Attorney XXXX XXXX. I have struggle to pay approximately {$220.00} towards the debt but had to stop since my income is not over {$800.00}. a month with many outstanding medical bills that I have to pay. I also have to pay co-payments for my medical coverage and prescriptions. XXXX I stop paying the {$10.00} a month after I notified them by phone, they sent me a false " unsigned '' court document filing a " judgement '' being entered in XXXX District Court in the XXXX Court House. This court date was to take place on XXXX/XXXX/XXXX. To my surprise, the case was never heard or even scheduled. This law firm of Howard Lee Schiff sent me a new letter dated XXXX/XXXX/XXXX claiming to discuss this judgement. It claims it is still owe per the court system. This Law firm of Howard Lee Schiff is using deceptive & illegal purposes to try to collect on a debt that is beyond the statue of limitations. I am going to send a letter to the RI Attorney General 's Office Consumer Protection Department and may consider seeking legal action against this " collection law group '' I have seen many complaints entered on web sites against their shady and unethical ways

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AZ).
Issue: Fraud or scam

Complaint: We saw yorkies for sale on XXXX in XXXX. We texted to XXXX number that was in the ad : " Call or text anytime at. XXXX. : XXXX. :. XXXX ''. They responded by text that they relocated to Maryland but they could ship the yorkies. We transferred {$300.00} by moneygram to a person named XXXX XXXX, XXXX XXXX XXXX , XXXX, Maryland, XXXX. After we did this, we received an email from a shipping company asking {$850.00} for a crate to ship the dogs. We would get this money back at arrival of the dogs. 
We suspect this to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Problem with fraud alerts or security freezes

Complaint: With the XXXX breach in the news ( XX/XX/XXXX ), I went to the FTC 's own website for guidance how to freeze my and my wife 's credit reports ( aka " credit freeze '' ), and it listed three companies which one must contact to implement this, XXXX XXXX  and TransUnion, also provided their phone numbers. I called each them and successfully navigated their phone prompts, and implemented credit freezes for both of us. 

But when I called the third company, TransUnion, using the number provided by the FTC 's own website ( namely, XXXX ), I had a very peculiar experience. Instead of being asked to use various voice or keypad prompts to enter my info so as to implement a credit freeze, I was tested to an outrageous series of something 12-15 advertisements. Yes, I had to sit there through one 30 second ad after another after another, again and again. One for XXXX television network, one for a single club, one for trips to XXXX or something, another for insurance, etc. all the while patiently waiting for when the credit freeze part of the call would commence, so I could implement my credit freeze. It never came. 

So I went to TransUnion 's website and tried to implement a credit freeze via its website. It did. It work. 

How come the FTC is advising consumers to use a phone number for commencing credit freezes which is really a vehicle for a series of terrible ads, with absolutely zero about credit freezes? Something is very wrong. Has no one at the FTC checked its own info? The website carries a copyright date of XX/XX/XXXX, which is old and may need updating. Has anyone in an executive position at TransUnion ever tested their own number? What a horrible consumer experience on a critical topic these days. It is really legally irresponsible, and frankly, I think that TransUnion is open to legal liability if consumers are not able to implement credit freezes in light of what happened this week at XXXX. This is important.

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 04-11-2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (IL).
Issue: Application, originator, mortgage broker

Complaint: Mortgage representative, XXXX XXXX, with Quicken Loans specifically told me that my refinance loan would be locked in at 3.5 % with no points or closing costs. When I got the paperwork it showed 3.75 %. I have the emails and message board showing his promises.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
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: XXXX and Trans Union have refused to remove my tax liens in accordance with NCAP guidelines. Attached documents show that the tax liens reporting on my credit reports do not conform to new guidelines. All tax liens should be removed. 

1. The minimum reporting information is not consistent with new guidelines. It is showing my former name, incomplete address and incomplete social security number as well as no birth date.
2. Minimum courthouse visits to obtain newly filed and updated public records of at least every 90 days was not completed as required. 

Furthermore, these credit bureaus have my former name and address listed on them. I have been XXXX XXXX XXXX since XX/XX/2015. I will need my name updated. I would also like to make sure they are listing my employer and address as up to date as well. 
Employer : XXXX XXXX XXXX XXXX Home Address : XXXX XXXX XXXX XXXX, XXXX, KS 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 03-09-2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (NC).
Issue: Settlement process and costs

Complaint: I have spent countless hours trying to get this case No : XXXX resolved and the negative information removed from my credit report. In XXXX, CitiFinancial agreed that they had made an error in reporting Account Number XXXX to the credit bureaus. This account was removed from my XXXX and XXXX credit bureaus, however, It is still showing up on my XXXX and is causing my credit score to be lowered because of negative information. I am in the process of purchasing a new home and need this matter resolved ASAP. Please help me " FINALLY and TOTALLY '' get this negative information removed from my credit report. 
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I keep getting an address on my report and i have never ever lived there, so please remove it. XXXX XXXX XXXX XXXX, IL XXXX I have never even been there in my life.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/27/2018 about Debt collection (Other debt) with WHITNEY BANK - NEW ORLEANS MAIN BRANCH (AL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I have all phone numbers to prove what I am saying also up to72 calls per day not happy with this out come also 7 person they contacted ask them to stop and will testify in court

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Student loan (Non-federal student loan) with Genesis Lending (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I went to XXXX XXXX and they encouraged me to obtain a genesis student loan and federal loans to help pay for the program which was 36,000. I graduated XXXX 2014 from the XXXX program. Some of my class mates have already started getting reimbursements due to the lawsuit with over charging for the program. I want to make sure my case was not over looked

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Money transfers (Domestic (US) money transfer) with UNITED SERVICES AUTOMOBILE ASSOCIATION (SC).
Issue: Other transaction issues

Complaint: Hello, Upon reviewing my XXXX XXXX business checking account to prepare for second quarter financial statements I noticed XXXX unauthorized ACH debits on my account paid to the merchant USAA. Upon noticing this fraud, I reviewed my personal account and found an additional XXXX. The detail on the bank statements for these XXXX charges are as follows : XX/XX/2016 USAA XXXX {$10000.00} XX/XX/2016 USAA XXXX {$5200.00} XX/XX/2016 USAA XXXX {$5200.00} XX/XX/2016 USAA XXXX {$5100.00} XX/XX/2016 USAA XXXX {$5000.00} XX/XX/2016 USAA SAV-XXXX {$5000.00} Until I saw these debits, I had never heard of USAA let alone do business with them or authorize them to take any money from my accounts. I understand they are a financial institution for military people. I have never been in the military, nor has anyone in my family. The individuals listed above in the transaction detail are unknown to me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NY).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: XXXX   XXXX ,    2017, I we nt to the Santander branch to close my account. I withdrew my entire balance and requested the account be closed. The teller told me it was closed. I checked online and the account is still open. I sent an email on  XXXX   XXXX ,  2017 as king why the account was not closed. As of  XXXX   XXXX ,    2017, n o response. I sent another email asking if they are going to respond to me. On  XXXX   XXXX ,    2017, I  sent another email and told them I would be making a complaint with whatever agency was appropriate. I finally got a response after that at  XXXX   XXXX  ( 5 days after my initial request ). They told me they did not have my account information and to call them. I replied and gave them my account number as well as a phone number to reach me at. I also told them I would not call them as they have done nothing but lie to me during previous calls about other matters - which is why I cancelled the account. Also, I spent much time at the branch closing my account in person and I would not spend more hours on hold which has occurred every time I have contacted them. Since  XXXX   XXXX , I have sen t 5 m ore emails daily requesting a response and they have refused to respond to me.     Santander Bank refuses to close my account and presumably intends to charge me a service fee in  XXXX .     I want my account closed.

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 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (OH).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint: Lexis Nexis Consumer Center XXXX. XXXX XXXX XXXX GA, XXXX I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the C.L.U.E . report and other furnished Lexis Nexis regrading all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 
My information is clearly shown below :

Company response to consumer: Closed with explanation