milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: The account was paid in full and never late. The account shows up on my credit report as paid in full, but is showing a negative result. I disputed this with the company and the credit reporting agencies, but the error was fixed to no avail. The account shows paid in full as agreed to the terms of our contract, but it is showing negative. The account should show paid in full and never late.         Account name   XXXX   XXXX   XXXX   Status Paid, Closed.   Date opened  XXXX /2014  Details  Payment never late Additional information Account was paid in full and closed. The account should not reflect any negative balance or negative 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 11-01-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Remove credit data past 7 years per law.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has had a major security breach that may effect the confidentiality and security of my personal information. I have filed a 90-day fraud alert inquiry but I still feel violated that my information can be accessed this easily due to a company 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (MI).
Issue: Application, originator, mortgage broker

Complaint: I was charged XXXX dollars for a chance to refinance my mortgage by quicken loans. They accessed my credit twice which had an adverse on my credit account .I was denied my mortgage and a refund. They told me that if I paid them XXXX XXXX dollars they would give it to me. They laughed at me when I said I did n't have the XXXX XXXX dollars. I would like a refund. please accept this as a formal complaint by me. I am mentally XXXX and live on a fixed income. I may be able to provide supporting documents if I am able. Quicken loans is in XXXX michigan

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I sent a debt validation letter to Santander Consumer USA in XX/XX/XXXX,  never received anything in response. I spoke with an account manager on the phone for Santander Consumer USA and asked for all paper work from my file to be sent over to validate this debt. His response was " do you not remember? '' I let him know it was for my records and that Santander is reporting different amounts to each Bureau, and also  reporting late payments twice a month on this account and it is ruining my credit. This account is closed, therefore I have no late payments. He simply replied " I don't know what to tell you, you should just pay it. '' So I never received the paperwork as asked. They have called me at least once a day and I have repeatedly had the same conversation over and over but they refuse to send anything to me. This is harassment and is illegal, my account is closed with them. I have now sent letters to each credit bureau, and asked that they verify this account and send me all documents they used to do so, XXXX XXXX and XXXX both came back " verified '' and no proof was sent over. XXXX deleted the account as they found there to be no validation of the account. This account is closed and charged off as bad debt. They gained a profit and write off from my account, along with selling the reposed car we once had. This account was closed in XX/XX/XXXX. Yet every month Santander has reported a late payment on my accounts to the bureau, they also have reported different closing dates, and amounts owed every time this account is disputed by my husband and I. They have been removed and added back on numerous times. This is harassment and illegal. Reporting that we owe the same amount on our loan that we did the day we bought it and reporting late payments twice a month even though the account has been closed almost 2 years now. This is making us look bad to financial companies and is completely out of line. This debt is not valid and should not be on our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (Other debt) with Asset Recovery Solutions, LLC (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XXXX XXXX ( sp ) called me at XXXX with the threat that this would sent to a legal team if I did not call him back by XXXX. I have never received any letter about this debt I need information not threatening calls which violates my rights. XXXX XXXX was very hostile towards me on this call.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (WA).
Issue: Deposits and withdrawals

Complaint: XXXX Regarding above complaint ; after months of fighting, Wells Fargo forgave the debt and XXXX out my account and closed it. Months later, I started receiving collections calls for more than {$1400.00}. 
I have been what seems as duped into believing that this company had rectified this error on their part and instead just moved the debt to another are of the company to try and retrieve. 
Please tell me how I may fix this once and for all and move on from this nightmare. 
Supporting document will be uploaded asap.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (KS).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I 'm having continual problem gaining access to my funds. I just opened this checking acc't last week, and since then it has been one hassle after another. I was approved for the checking account, then all of a sudden I can not access my funds. I 've spent 2 hours today working on this.
Your Bank wants for information. Why did n't you asked for the SSN and State ID or Drivers License before you accepted my deposit of {$25.00}. I feel that I '' m being profiled unfairly and that if it was a XXXX last Name you would n't be putting me through these changes. This is n't right period. 

I 'm tired of the runaround I 've been given today. I want access to my Account by XXXX today or I am filing a Complaint with the Consumer Financial Protection Bureau. I 'm sorry for this, but it 's not right what you are doing. For the record my SSN except the last 4 digits is : XXXX. My Kansas ID is : XXXX XXXX XXXX XXXX XXXX XXXX ( my new address that I provided is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX XXXX or XXXX which is my preferred contact number. 

It 's a shame it had to come to this. I prefer to be contacted at the preferred contact number or this email address ( XXXXXXXXXXXX ) For the record, I 've enclosed my Kansas ID ( with my former address, city, and state ) and my Birth Certificate that proves I 'm a Citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: When I opened the checking account, I was told that if I maintained a {$100.00} balance at then end of the month, I would not be charged fees. Apparently they now say this information was incorrect and they have been charging me fees. In addition, they have over 20 min wait times and have denied transactions with money in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/25/2017 about Credit reporting () with Experian Information Solutions Inc. (AR).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: Logged onto Experian web site to get credit report for {$1.00} in XXXX. Seven months later I find that I 've been billed {$21.00} per month for some type of credit monitoring program that I had absolutely no intention of joining. This is clearly some kind of " bait and switch '' trap to get consumers to agree to an unclear set of terms, and then bill the credit card for which they have your name, number and permission to make a charge. I would like to have a complete refund of the {$150.00} that I was billed by Experian for this bogus " service ''. This is clearly a scam and should be stopped. Thank you.

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 08-04-2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Managing the loan or lease

Complaint: I contacted capital one auto finance becaus they reported not accurate items on my credit the lady even went as far as stating if I keep contacting them their is a chance that they will put more things on my credit. They claim I was 60 days late yet they put 30 days for XXXX. They will not forward over my ledgers to the credit bureaus. I even asked for it to be sent to me which they wo n't

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Debt collection (Credit card) with Coastline Financial Resources, LLC (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: A company called XXXX at XXXX called my employer and relative stating that I had to call within an hour and referance # XXXX because I was being served a summons. I called the number and when They told me that I had an outstanding balance, I asked them to validate the debt, and they could not. They continue to call my employer AFTER I asked them not to. They do not contact me directly. They keep calling my employer and relatives.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Money transfers (Domestic (US) money transfer) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Fraud or scam

Complaint: I became friends with a gentlemen I met on XXXX, who explained he was a XXXX over in XXXX XXXX. After we had talked for a couple of weeks he asked if I would help bring him home early for the holiday ( XXXX ). I asked why his family was n't helping him, and he said that his father had died in service and his mother recently in a car accident. I felt really bad, so I asked what I could do to help. I told me that he needed to transfer {$3000.00} into my bank account so that I could then send it to his agent in Texas. She would then send him his ticket home. I know nothing about the military, but have always wanted to help in some way. I felt I was helping this man ( he went by the name XXXX XXXX ) get home and out of harms way. So he then, asked for all my bank info and assured me that it was his money going in there for his ticket home, and all I had to do was wire the money to his agent in texas. He even sent me a picture afterror the {$3000.00} was transferred into my account. The next day I wired {$1500.00} ( with transfer fees it came out to a total of {$1600.00} ). That was the max amount, because then my bank account was frozen. After the money was sent XXXX XXXX stopped talking to me. When my friend looked him up on XXXX, he had several new accounts. I sent an alert to XXXX that the accounts were fake, and they were then taken down. Days later the scammer was back up on XXXX and you can find him there today. The next day I received a call from the fraud department from my bank telling me that my bank account was drained. I went into my local branch, unfortunately the man I had never dealt with fraud before, and was confusing me. After I explained the situation to the bank, I then went and filed a police report as well, like the bank requested. I was told that my bank account would only be frozen for 10 days. Then First National Bank increased it to XXXX. ChecKS bounced, I could n't cash checks, and now they are telling me I have to pay all this money back! 
I was scammed, I do n't even make that much money in a month! I thought I was trying to help someone, and now I 'm the one paying for it. That is not right.

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 10-03-2016 about Mortgage (Conventional fixed mortgage) with Selene Finance LP (NJ).
Issue: Credit decision / Underwriting

Complaint: Selene Finance has been reporting my mortgage loan delinquent to all credit reporting bureaus despite the fact that the mortgage was part of Chapter XXXX bankruptcy settlement dating back to 2011. I have made numerous attempts over the past three months to discuss my account with customer service representatives, but they refused to discuss my account insisting that the attorney who handled the bankruptcy years ago was listed on the account and that they would only talk to him. Once I contacted the attorney, he refused to write a letter to Selene Finance authorizing them to discuss the account with me unless I paid him {$350.00} for the letter. Unable and unwilling to pay for the letter, I was forced to seek another attorney to handle the matter with Selene. For days, Selene refused to acknowledge the letter faxed by the new attorney. Once the new attorney spoke to XXXX XXXX at Selene, she refused to acknowledge the bankruptcy discharge and indicated Selene " did n't care. '' Selene is now claiming I have to start a dispute with the credit reporting bureaus. So my credit status remains unresolved despite the fact that I have gone through all legal procedures and expenses to resolve this financial loan legally. Selene refuses to acknowledge and honor the United States Bankruptcy court order and my credit issues remain unresolved. I did a deed in lieu of foreclosure with Selene Finance a long time ago. The property was sold immediately because it was in perfect condition. Despite all these legal procedures and efforts, Selene Finance, continues to violate my rights under the fair consumer reporting laws with blatant disregard for the the federal and state consumer protection laws. Bank finance criminals receive better protection under the laws than I have received over a measly mortgage loan legally discharged under the protection of the " law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Debt collection (I do not know) with Bureau of Accounts Control (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Bureau of Accounts, Con  has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received any letters nor telephone calls that pertains this debt. This account is unverified and immediately needs to be deleted from my all credit files -  XXXX ,   XXXX   and  XXXX .     The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt '' . If Bureau Of A ccounts does not have any documentation, they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (Payday loan) with Concord Resolution Inc (Closed) (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: On XXXX, someone from phone number XXXX as well as phone number XXXX ( " XXXX XXXX XXXX '' ) contacted me stating I received a " pay day loan '' in XX/XX/XXXX and when they tried to extract repayment from my account, access was denied. They stated they are pursuing legal action since I " have not paid back the loan. '' Also, again on XXXX, someone from phone number XXXX ( " Concord Resolutions '' ) called me with the same story. However, there were XXXX different " loans '' with this call, XXXX from XXXX and another from XXXX. I have received numerous calls before XXXX, but I did not document those calls ; I thought they would just stop since I have n't applied for any types of loans. Both my husband and I have checked with our bank and there were no such deposits of money or loans issued. Also, as per the XXXX credit report bureaus, there have been no inquiries or loans applied for in the last XXXX years. I have filed a police report, and I block these numbers from calling me. However, people end up calling me anyway from different numbers each time, claiming the same story.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been trying to dispute a hard inquiry from XXXX XXXX since XXXX 2015. I did not authorize XXXX XXXX to do a hard inquiry on my report. I have contacted XXXX XXXX and even provided proof that the hard inquiry was not authorized by me and should not have been done.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A debt regarding an emergency room visit for my minor daughter. The debt collector is a third party collector and is not certified in medical billing and insurance. I have no knowledge of the original hospital attempting to collect this debt. All information in this complaint about the debt and company attempting to collect it was provided by XXXX and XXXX via phone. 

Sequence of XXXX called me on XXXX/XXXX/2015 at XXXX XXXX CST using the number XXXX. I informed her that I was disputing this debt. I requested the mailing address for certified mail disputes. She refused to give me the mailing address for dispute resolution until I asked her XXXX times. She stated [ my daughter 's ] insurance company was XXXX XXXX. I informed her that [ my daughter 's ] insurance company is XXXX and that XXXX XXXX is her doctor 's clinic. She then requested [ my daughter 's ] insurance information. I refused to give it to her. She then hung up on me. I was unable to obtain the account number or other information regarding the debt. 

I then called the number XXXX back at XXXX XXXX CST and spoke with XXXX. She gave me the account number and confirmed the address stating that it was a payment center address. I asked if it was for disputes, and she confirmed that I should send the dispute there. I informed her that I was disputing my debt. She then stated she would mark my account " as refusing to pay ''. I informed her that I was not refusing to pay that I was disputing my debt via certified mail, at which point she hung up on me. I was unable to obtain further information on the debt. 

A certified letter of dispute and cease and desist has been mailed to the address provided by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar is not applying my XXXX payment I submitted to my account. I have made regular monthly payments every month since they inherited this 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 01/22/2018 about Debt collection (Medical debt) with Unifin Inc. (OH).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: Unifin keeps harassing me even after I told them to stop calling. I am going to hire an attorney to stop these efforts. So many calls, and they better not report me to the CB 's.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (I do not know) with Radius Global Solutions LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Central Credit Services just started appearing on my credit report from one day to the next. I never received a notice with the right to dispute. Because I have been a victim of True Name Identity Theft, I called Central Credit Services to dispute the item appearing on my credit report. I was on hold for 20 minutes before they were able to find an account that they claim is mine. They did not have the correct address, nor do I owe any money to any company they claim I owe money to. 

The agent said on the phone that he would send me an itemized bill to show this is my account, as I told him this is not my account or bill and sending it would n't be sufficient proof that this account is mine. Furthermore, they have the incorrect address.

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 10-07-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have contacted Experian on multiple occasions to remove incorrect information from my credit report. They have refused to update. I expect them to remove inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief