milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-01-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Shopping for a loan or lease

Complaint: In or about XX/XX/XXXX, I purchased a new XXXX PT Cruiser at a local XXXX Dealer. 
I financed the automobile through XXXX XXXX XXXX. Due to illness, during the life of the loan I made some late payments. However, I always paid the late fees and brought the account up to date. On multiple occasions I sent in XXXX payments at the same time. 
Around XX/XX/XXXX, as I stepped out of my front door I noticed that my automobile had been taken. I immediately called XXXX and asked them if they removed the car from my home. At first XXXX denied having any involvement with the disappearance of my automobile. However, after calling them for a second time they admitted responsibility for the removal of my car. I could not understand the reason for their unlawful actions since all my payments, were up to date. I was not totally surprised since I had read and heard rumors about XXXX unlawful business practices of stealing automobiles from the customers whose cars they financed. I immediately called the police. After explaining the situation to the authorities, they recommended that I hire an attorney. After doing some research on the professional fees involved in hiring an attorney ; I came to the realization that I could not afford XXXX. Most attorneys in the are demanded a retainer of at least {$2000.00}. I called and wrote letters to XXXX demanding the return of my car. However, I never received an answer. 

The " My loan is a ( n ) * directly below does not have an option that fits my complaint. My problem is as described above ; XXXX XXXX XXXX COMPANY STOLE MY XXXX PT CRUISER XX/XX/XXXX AND ALL MY PERSONAL BELONGINGS FROM INSIDE THE CAR FROM THE OUTSIDE OF MY HOME ON OR ABOUT XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have been disputing incorrect information on my credit report. Equifax has not been following the protocols for disputing wrong information that they are reporting. I have received letter from the creditors that information sent to them did not have specific information of what I was disputing ( this was sent to them by Equifax ). The also with out my consent or knowledge put my account on fraud status. I was made aware of this by a creditor and cause time and effort to prove to them I was who I am. I feel this was Equifax retaliating.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Billing disputes

Complaint: My capital one credit card account fully paid on XXXX/XXXX/2015 and still not reported to the credit bureau as fully paid. The credit report still shows the balance $ XXXX as unpaid. I am waiting for the actions from the credit bureaus.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX AUTO LOAN: 
ACCT XXXX LOAN XXXX: 

THAT LOAN SHOULD ONLY BELONG TO MEL SOLE OWNER AND NOT WIFE. XXXX XXXX: XXXX DOB XX/XX/XXXX
XXXX XXXX XXXX" XXXX DOB XX/XX/XXXX (SHE HAS BEEN REMOVE)

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 12-09-2015 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Judgement showing on my credit report was never recorded and was paid to the original credit before filed. I have disputed 3 times through bureaus and they keep verifying it but the record is wrong. The judgement was never filed and should be completely removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am XXXX military and as such receive XXXX % coverage of all medical and am void of any financial liability. I 'm protected by my federal military enlistment contract and the Soldiers and Sailors Act. I asked if they accepted tricare - they said yes. I told them that I would not approve any treatment not covered under my insurance. I was told it would be no problem. This is an issue that needs resolved between the medical biller and my insurance company. Whatever that end is, I should not be considered a responsible party.

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 07/23/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Asset Acceptance is a fraudulent company that has bought consumer information and falsely reports incorrect information to the credit bureaus. The number listed is for Midland Funding. When calling the number listed, Midland Funding states that they have bought Asset Acceptance and they do n't show an account matching my social and name. Asset Acceptance has several numbers that goes to a voicemail and ask you to leave a message. The one time I did reach a live person, they said the computers are down. They do n't have a physical address only a PO Box . I have NEVER received any correspondence via mail. The only contact has always been reporting on my credit and my efforts to track this company down. This company is a nightmare. I need to get this resolved and removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: There is a {$620.00} collection on my credit report for  XXXX  and I have never had  XXXX  I have never been inside of a  XXXX  store or had anything from  XXXX  but somehow now they are saying that I owe them {$620.00} and it 's a major hit on my credit report and it is n't me how can someone start an account without verifying my ID and verifying who I am

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have closed accounts still on my report hard inquiries on my report that I did not approve. I want them removed immediately I have contacted all XXXX credit places no responses from any of them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XX/XX/XXXX disputes was submitted for unauthorized inquiries, inaccurate public records, and addresses. I called in multiple times and spoke with many reps who then would transfer me to the Office Of Consumer Affairs saying they are the only ones that can help me. I spoke with XXXX on XX/XX/XXXX and she requested that I submit proof of identity via docusign. I submitted the information along with my Identity theft report from FTC. I called back to make sure it was received could not reach XXXX again. Upon arguments with many reps I decided to reach out to the CEO and XXXX XXXX via email but no response. I received a call on XX/XX/XXXX from XXXX in the Executive Office of Disputes and explained to her the situation and she stated that she would contact XXXX in Office of Consumer Affairs and would contact me back. On XX/XX/XXXX I checked my credit report via TrustedID ( which has been deleted and I currrently have no access to ), XXXX XXXX, and XXXX  which all stated that 6 Derogatory Marks, 9 accounts, and 85 hard inquiries were removed. I then called in and spoke with another XXXX XXXX and advised that all of my information has been deleted from my file. He then stated to me he could not by law reinsert the accounts and that I would have to wait until the creditors report it which is usually 30 to 45 days. On this same day XXXX calls back and I advised her that my file had been deleted and she argued me that it hadnt. I advised her the rep had just admitted that it was deleted. Nothing was done. The very next day everything had been reinserted even items that were previously disputed and removed. I checked TrustedID to view the report from XX/XX/XXXX that was once there and it had been deleted. That is in violation for FCRA due to not being notified of reinsertion. From then on I have NOT been able to view my Equifax credit report. I have twice been sent docusigns to send in proof identity and they still will not update my credit file to reflect my correct address. I have also requested validation of disputes and have been refused. Something need to be done about the practices of this company. This company can not be trusted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Hello, I am writing a complaint, due to your false reporting of information on my credit file. There is a bankruptcy chapter  XXXX  appearing  on my report. I have sent letters to your company regarding these issues without a logical response, only that you have " verified '' that the reporting is correct. So, I took matter into my own hands and looked into this issue even further. I actually went down to the see the county clerk and had a conversation with a court representative. I asked him, " How is it that Experian or a Third Party able to " verify '' that the court information is actually mine? '' He said on the original petition there is a FULL social security number only and filed under seal. In order for a credit bureau or any third party to obtain this information, they must file a motion with the court to unseal documents related to a case. I then decided to contact the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. So I say to you, how can Experian or a third party information gatherer get into the court system and verify as such that the full social security number belongs to me and not to another person with a similar name/last 4? You are r eporting false information that can not be fully verified by the court system. If you have already petitioned the court, please provide me a copy of the documentation used to verify my information and the person with whom you verified the information. As you well know, it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you  remove it immediately or face a lawsuit. Here is the bankruptcy in question : 1. US BKPT CT FL FT LAU 2. No plantif ( left blank )

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 01/13/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: equifaxis changing status of of accounts on my credit file from included in chapter XXXX bankruptcy declared XX/XX/XXXX and discharged on XX/XX/XXXX to open accounts with late outstanding debts, they reported accounts correctly thru XX/XX/XXXX and on XX/XX/XXXX they changed to open accounts, my first complaint of honda finance, the company reported to you and me, that they are reporting correctly as discharged in bankruptcy and they again will notify equifax to report correctly, this has to be an internal problem in equifax to change status and in addittion the other XXXX credit report companies are reporting correctly, the accounts now reporting incorrectly in addition to XXXX are : XXXX XXXX XXXX, XXXX cc XXXX XXXX XXXX, XXXX cc XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: APR or interest rate

Complaint: On XXXX/XXXX/16 JPMorgan Chase closed the credit card account because I refuse their threats, and posted on social media their attitude, on same date and on XXXX/XXXX/16 I emailed and asked to be sent a final settlement. 
See : XXXX XXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX and XXXX more ... 

Message body Chase Credit Services. 

You are hereby being notified that you have either option. 

You can settle the account now and I will make payment in full on the amount agreed. 

However, JpMorgan refuses to issue a final statement, just to collect residual interest. I have asked for a final bill and their refusal nothing but greed. 
The Security & Exchange Comm and XXXX clearly said that XXXX XXXX XXXX will be in violation of securities laws if she closes my kids accounts, all penalties for closing C type shares should be borne by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Yes I have filied a identity theft to the XXXX credit reporting companys. I got XXXX response to XXXX, the other XXXX have not been able to due to not getting right address from them when I call. That is my one complaint that they do not answer or report the right information. My 2nd complaint is there is a report on my husband report and they told me at the county office that the credit reporting companies hire someone to go in and get info and report back to them. They do n't look at birthday or SS to make sure they have the right person or not. They reported on my Husband when it was my Son 's debt just cause they have the same name just one is a XXXX the XXXX. They told me its our job to look at our credit report and dispute something that is not ours if we see something wrong. I told her what about our credit score? It takes your companies 3 months to fix and the damage done what

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 01/15/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: APR or interest rate

Complaint: CitiCards payment processing process violates XXXX because of their unfair deceptive and abusive practices. I tried to process a payment online on their site on XXXX, and because there was an online issue with selecting the XXXX as the payment date, they had me call in to make a payment over the phone. The phone rep was unable to assist me and did n't explain as to why which I thought was very deceptive. I went back online on the XXXX and had no choice but to elect the XXXX as the processing date. Now my payment is late and there is a late fee associated because of your unfair deceptive and abusive practice. The late fee will also affect my APR which is also unfair. The payment site should have transparent disclosure on the processing payment site and not deceive their customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Mortgage (Conventional fixed mortgage) with AMERICAN NEIGHBORHOOD MORTGAGE (NJ).
Issue: Settlement process and costs

Complaint: I was told to Contact you, by the office of State Senator " XXXX '' XXXX, New jersey XXXX. 

I applied for a home mortgage in XXXX XXXX, at that time and repeated times after that I had asked the loan officer XXXX lender Representative of XXXX, if I would be able to pay off the loan at anytime with no penalties or fees associated with the loan, his response was " I can pay off the loan at anytime without penalties or fees ''. 
Then, in XXXX XXXX, I was notified by a supervisor from " XXXX ' That I could NOT pay off the loan until XXXX XXXX! 
I asked why, his response was " how can we ( the mortgage company ) make any money if I pay off my loan? 
Then they made me go to a Notary and sign a statement that said as per telephone call, I will not pay off the loan until XXXX, I said what would happen if I do not sign it, they said " Then the Settlement will not take place ''. 
Under undue pressure I was forced to agree, and then signed the paper on XXXX XXXX XXXX, That I will NOT pay off the mortgage loan until XXXX XXXX. 

I feel that for some reason it is Illegal for them to pressure me to sign a paper that protects the Greedy mortgage company to make more money, taken it from me, after telling me I multiple times that I could pay it off at anytime in XXXX XXXX. 

I am ready, willing and able to pay off the Mortgage at anytime, and was willing to do so 1 week after settlement on XXXX XXXX XXXX. 

Do I have any legal rights???? Or do just the Mortgage company 's have legal rights to do and say what every they want, to make money at the expense of the consumer???????

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/23/2017 about Mortgage (Conventional home mortgage) with SUNTRUST BANKS, INC. (WI).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I 've been trying to combine my two mortgages by refinancing for the pass six years I 've owned my home for ten years I call them two to three times a year because they send me letters saying I qualify to refinance through the program HARP and when I talk to them they say I do n't qualify because I 'm not In Crisis because I 'm not late with my payments but what they do n't know is every time they withdraw the money from my account it overdraft but they do n't care as long as they get their money so why send me the letters at all and they also told me I was going to be able to combine them and refinance after two years and till this day they ca n't because my home is not worth what I owe but it 's not my fault since they could n't or just do n't want to refinance because of all the interest they are making of me I 've paid so much interest in this ten years my home could of been paid off by now. And for the pass few years each year they keep over charging me on my escrow they keep telling me that my escrow has been going up and so that 's why I have to pay more money on my mortgage which I ca n't afford and I called the escrow company and they told me that my taxes has n't changed so that only means they are taking and keeping my money I 've call them about it and they say otherwise I thought I was the only person that was going through this with them but I read online that are with this company that are going through the same thing and it 's because we are letting them get away with it because we do n't want to loose our homes and no one will help us and make them stop abusing us and taking advantage of us but maybe yous will help us all that going through the same as me and make this pay for what they are doing to us.

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 09/23/2017 about Debt collection (Medical debt) with AMCOL Systems, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This collection agency has entered a negative account on my credit report with all three bureaus. The address listed on my credit report for this agency does not match the licensing information on file with The Florida XXXX XXXX XXXX XXXX. This agency is in violation of Florida Statute 559.547 which states " 559.547 Void registration. ( 1 ) Any registration made under this part by any person or commercial collection agency based upon the presentation by such person or collection agency of false identification or information, or identification not current with respect to name, address, and business location, or any other fact material to such registration shall be void. '' As such, their authority to collect in Florida is void, and this agency is illegally pursuing collection activity

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am filing a complaint due to the fact that these accounts are reporting inaccurate information. The account numbers do not belong to me. My accounts do not end in XXXX nor start with a -. Also if they were mine, a charge off is to show a XXXX balance. These are the accounts in question : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX Please correct this information or remove these accounts from my report immediately! as per the FCRA, you have 30 Days to correct this. Just 30 Days and not 1 day more.

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 (Conventional fixed mortgage) with Caliber Home Loans, Inc. (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: The lender failed to provide the client and our office a detailed explanation of the reasons for loan modification denial in violation of Regulation X, 12 C.F.R. 1024.41 ( h ). 
Please cease and desist all foreclosure activity pending resolution of an appeal in accordance with Regulation X, 12 C.F.R. 1024.41 ( g ) .. The lender has stated that they denied the loan mod review due to incomplete package being received for review - The lender did not request a Letter of Explanation for XXXX income and did not send a missing letter document or a denial to the client. If they would have done there due diligence in the review of the file they would have found that XXXX is not employed so there were no pay stubs to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: CREDIT BUREAU IS IN VIOLATION OF FCRA, METRO 2 COMPLIANCE, STATE, LOCAL AND FEDERAL CONSUMER PROTECTION LAWS.

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