milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/24/2018 about Debt collection (Private student loan debt) with Ability Recovery Services, LLC (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I attended XXXX College and majored in the XXXX XXXX program. I talked to the representative and after committing to the program I found out they misrepresented themselves tell me that the classes would help me in my career and also that I could transfer to a four year university after completing this course. I found out shorting that wasn't true and that their courses don't meet state requirements. I shortly contacted them and let them know that their program wasn't transferable and that I was no longer interested in the program. XXXX College continue to debit money from my account and I had to end up closing my account to stop them. I then tried to apply for a auto loan and was denied because they reported to the credit bureau that I owe them XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (NV).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Enhanced Recovery Collection agency has recently placed a negative account on all 3 of my credit reports with XXXX, XXXX, and XXXX on XX/XX/XXXX. I do not have a contract with this agency, nor am I responsible for this  debt. The company has not validated this debt, they have only sent an itemized bill without my signature on it. The account number is : XXXX in the amount of {$230.00}. The original creditor is XXXX. In XX/XX/XXXX, this debt was showing on my credit with XXXX XXXX XXXX, which in turn sold this account to ERC or Enhanced Recovery Collection agency. Once I disputed this debt and negative account with XXXX in XX/XX/XXXX, XXXX XXXX immediately took this debt off of my credit report and did not want anything to do with me disputing this inaccurate information. On XX/XX/XXXX I was told by XXXX that this would be deleted off of my credit and that they had sent letters to all 3 Bureaus. The debt was taken off of my credit. Now, fast forward to XX/XX/XXXX, this same debt re-appears on my credit without my knowledge, and with a different collection agency called ERC. This is unfair debt collection practices. I want this inaccurate, no contract, not liable, negative debt and account removed from all 3 credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 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: Information belongs to someone else

Complaint: THE FIRST THING I SAW THAT WAS FRAUD ON MY CREDIT FILES WAS MY NAME SPELLING I ATTACHED MY DRIVER LICENSE TO PROVE MY REAL NAME AND ADDRESS. I ALSO ATTACHED MY CREDIT REPORT SHOWING THE FRAUD, I PUT FRAUD NEXT TO EACH FRAUDULENT ITEM TO THE LEFT OF IT. PLEASE FORWARD THIS COMPLAINT TO EACH CREDITOR.

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 04-05-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am making another complaint in regards to the bankruptcy that is reporting on my credit. I would like to reiterate that this bankruptcy does NOT belong to me and if they had taken the time to look at the major factors that they had in their hands they would have not bothered to send the documents to me and would have in fact removed it. 

Fact # 1 : The signatures on the bankruptcy do NOT belong to me, were not made by me and I have included enlarged images of my CA state driver 's license as well as my passport for you to see the blatant differences. 
Fact # 2 : Not only was I not in the country during the date it was filed, I was not in the country during the entire year. I was out of the country from XX/XX/XXXX-XX/XX/XXXX and I am enclosing enlarged images directly from my passport which verifies this information with border stamps. 
Fact # 3 : The accounts included in the bankruptcy are not only not my accounts, but they are not even on my credit report. 

Where is their professional handwriting analysis? Where 's the affidavit that I requested? Because they have failed to remove this from my report and still " verify '' that it belongs to me, that means that they are XXXX certain it belongs to me. That also means that they should have absolutely no problem signing an affidavit, swearing under penalty of perjury, that it belongs to me. It will go great with the proof I have that this is in no way associated with me. 

I pulled the bankruptcy petition from the pacer system ( apparently the same place they obtained it from ) and am including it with this letter, notating exactly where they are incorrect. 

If this bankruptcy is not removed immediately, not only will I make a press release, but I will make another complaint with the XXXX, CA Attorney General as well as take them to court where they will need to explain why this is still on my credit report. 

US BK CT XXXX XXXX Docket # XXXX - this bankruptcy does not belong to me, nor was it filed by me or have anything to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I have a checking account with CHase Bank and i have several direct deposits, on  XXXX   XXXX   2017  they charged me {$68.00} for iNSUFFICIENT FUNDS FEE for  XXXX  checks in total both for {$50.00} and they did it just in the same day and some minutes before  one of my direct deposit enter. when they applied the first fee was for - {$3.00} and and the same they did in 3 weeks before. that mean they charged me in total {$100.00} for fee for some minutes before of my direct deposit in less of one month. This Bank Chase never help its customer, They just care about profiting from their c ustomers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/21/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MN).
Issue: Closing on a mortgage

Complaint: I have an account with nation star mortgage. After closing, the wrong closing cost was sent. The company never called to tell me so my account was not settled. I realized it when I looked at the account online. I went back and fort until they finally decided to accept the original payoff sent to the closing company. It took probably a month after closing. Now the company is giving me the run around and seem to not want to give back the overage that I am due as more money was sent in than was required for the pay off. Even after a couple days calculation for interest I am still due an overage payback. It has been two months. Every time someone says they will call me back it never happens. the closing company as well as one of their own representative already stated I am due an overage. I can not seem to resolve the issue and everyone seems to act as if they do n't know what I 'm talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: Experien refuses to look into the fact that the agency reporting the error can not produce a valid bill. Even when presented with this information they refuse to correct the issue and say after 45 days that the issue is resolved and I can not dispute it. 

The issue revolved aroudn XXXX XXXX XXXX XXXX report of a debt on my file. When asking for proof of such debt no such proof is given or shown. They also refuse to correct the issue.

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 12/18/2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (MN).
Issue: Closing on a mortgage

Complaint: On Friday XXXX XXXX XXXX we had signed our closing papers with XXXX XXXX. On the papers, it said that they providing us with an interest rate that is 2.5 % BETTER than our current one, which is FALSE. And they are charging us {$3400.00} for it. They rate with them is actually MORE than the one we currently have. The man from the closing company told us just to sign these and let them know and they will edit the information, and probably just cut us a check for the difference. It would be fine because we have 3 days to back out. So we continued to sign the rest of the papers, and now NOBODY will get back to us from XXXX XXXX. I am getting VERY nervous and frustrated.

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 02/21/2018 about Debt collection (Payday loan debt) with Solutions To Portfolios, LLC (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Been called once a day for last month by some guy named XXXX with XXXX XXXX being rude and loud asking about my title loan which I have talked about with XXXX XXXX already

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: I received a letter on XXXX XXXX, 2016 stating all of my Citibank , N.A . credit card accounts were closed ( accounts ending in XXXX, XXXX, and XXXX ). I lost access to XXXX of my Citi Thank You Rewards points ( in account ending in XXXX ) and XXXX of my Citi Thank You Rewards points ( in account ending in XXXX ) for a total of XXXX points. Normally you have 60 days to access your points after the closure of an account but when calling Citibank, I was told that I could not do that. Each point could be used at a value of XXXX cents a point for airfare. Therefore, I lost {$550.00} of money from my account that I had already earned. Citi is not giving me access to that. I would like access to those points to redeem them for their value or to be paid the value of the points in a check. 

On XXXX of my accounts, I paid a {$450.00} annual fee. I would like to have the annual fee prorated for the remainder of the time that I now do n't have the card. 

If Citibank is going to close my accounts, then I want to get the rewards that I had already earned and the annual fee money back.

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 12/19/2017 about Vehicle loan or lease (Loan) with FC HoldCo LLC (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Towards the end of XX/XX/XXXX, I bought a used vehicle and received financing through XXXX XXXX. Within the first couple of days ( XX/XX/XXXX ) the car broke down and had to be returned to the dealership for work. They stated that it had been repaired. Right away the car broke back down ( XX/XX/XXXX ) and it was was returned yet again for work. Again they stated it had been repaired. A couple of weeks had gone by and then on XX/XX/XXXX the vehicle again broke down. At this point we claimed the lemon law and demanded to have the dealer take the car back. The dealer took the car back, even offered a new one which we declined. They stated that they would handle everything in regards to this vehicle. Fast forward a few months and I was notified that the auto loan had been charged off on my credit. This is absolutely unacceptable as the vehicle was a lemon car that had to be repair multiple times within a 30 days window of the purchase.

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 08/17/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XX/XX/XXXX I noted in my personal back account that there was an unauthorized charge for XXXX from XXXX that I never signed up for. I initially called XXXX and they said I needed to call my bank for refund but were otherwise not helpful. I then noted that over the last year, starting XX/XX/XXXX there were a total of 7 charges of XXXX with varied XXXX accounts at varied dates (no pattern or specific day of the month) that I was charged = approx $100 total. I called Chase (my bank) to explain and they called XXXX with me on the call to get more information. Per the XXXX representative, my identity was stolen and this account was set up in XXXX (I have never been nor do I know anyone there) and since it was "such high level hacking" there was nothing that they could do. Chase than also said that all they could do was get me a new debit card and refund 1 change for XXXX only (which of note has not yet been done even though they mailed me a letter which I am happy to provide). As you can tell I have several issues both with XXXX for their inability to help in anyway and with Chase for their inability to assist with my hacked account beyond sending a new debit card. Please also note that the conversation with XXXX and chase was recorded by Chase so they should have this on record.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: my account is in error which is reporting 30 days late for XXXX 2017.

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 08/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I never signed up for a citi bank credit card, but my ex somehow has me on his account and a card in my name that is reporting on myour credit score ... it went through collections and was charged off and I have not one thing to do.with it. I have called and can not get any information as to why this was allowed, how it happened, and how I can resolve it.

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 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Since XX/XX/XXXX XXXX has been illegally running hard inquiries on my credit report WHEN I HAVE NOT APPLIED FOR CREDIT. I have filled numerous reports including police reports and they have not stopped yet. XXXX is participating by not removing the hard inquiries even though THEY KNOW that I DID NOT APPLY AND THEREFORE THE CREDIT HAS BEEN RUN AGAINST THE LAW! Experian has acknowledge that they are fraudulent and have removed there erroneous and illegal inquiries. I am filing this new complaint because they are doing it AGAIN on XX/XX/XXXX according to my credit monitoring company and to a letter that I 've received in the mail today. I have filed a FCRA Federal Case against XXXX and XXXX and am filing this with you because it has n't stopped and its your job to take action and reports on problems such as this. In XX/XX/XXXX XXXX left out the " XXXX '' on the fake inquiries after I complained to you about it. In XX/XX/XXXX XXXX has included " XXXX '' again. I HAVE NOT APPLIED THROUGH XXXX OR OTHERWISE AND THEY ARE DOING THIS ILLEGALLY AND I WANT XXXX  TO STOP AND WIPE ME FROM THEIR SYSTEM. THEY SHOULD BE AWARE THAT THEY DO NOT HAVE THE RIGHT TO USE MY INFORMATION BECAUSE IT WAS NOT SUBMITTED BY ME! I ALSO WANT XXXX TO REMOVE THE ILLEGAL INQUIRIES AS THEY SHOULD.

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 04-11-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My info was crisscrossed with that of my father. HE has a tax lien that appears on MY Experian credit report and not on HIS.. although this same item appears on both HIS XXXX and XXXX reports and not on MINE. Item in reference docket # XXXX. Upon further investigation noticed that the addresses of XXXX XXXX County recorder differ from my Experian report and his XXXX reports from XXXX and XXXX but ALL XXXX have the exact same dollar amount due {$7400.00}. and SAME docket reference number # XXXX. documents uploaded to support my dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Consumer Loan (Vehicle loan) with U.S. BANCORP (CA).
Issue: Taking out the loan or lease

Complaint: My wife and I applied for a used car loan through US Bank. We dealt with XXXX XXXX ( The Branch Manager at their XXXX, CA location ) who was nice at first, but proved to be a bad banker in general. 

US Bank approved us for what we needed for the car ( $ XXXX ) and offered us great terms. Despite applying together, XXXX advised my wife and I to remove me from the loan because she carries most of the income and I carry most of the debt. He claimed he could get us more favorable rates with just her. I was confused because our other lenders wanted my name on there and werent concerned about it raising our rates, but we agreed and went ahead anyways : they were offereing us great terms at a great rate. I spoke with XXXX many times before and during our purchase to make sure everything was OK with our loan. He told me a number of times everything was fine and we were greenlit to buy the car. He even issued us a pre-approval letter verifying the $ XXXX my wife had been awarded. Within minutes of purchasing the car I got a phone call from him asking if I 'd been successful. I said yes, and then he dropped the bomb. He claimed that he had just received a call from their underwriter saying they 'd adjusted our loan down to $ XXXX instead of the $ XXXX we had a pre-approval letter for. Despite having a pre-approval letter and over XXXX phone conversations to confirm, somehow everything fell apart in the 10 min after I 'd bought a $ XXXX vehicle and US Bank was no longer able to lend us what we needed for the car. This was very much a bait and switch tactic. I was told there was nothing they could do and I would have to return the vehicle to the dealer if what they offered us was not sufficient. 

Based upon a conversation with a banker at a different bank we discovered that XXXX gave us some horrifyingly bad advice and mislead us as a banker. He misunderstood his own underwriter 's requirements and it was his advice that ultimately caused the underwriting issue. It should be acknowledged as well that the other banked also stated there should be no way for an underwriter to come back and change a loan amount after a pre-approval letter has been awarded. XXXX had suggested we take my name off the loan to remove some debt from the records, but neglected to realize that my wife had never been approved for such a big loan by herself before and as a result ( according to XXXX ) the US Bank underwriters became concerned with the fact that she 'd never had a comparable loan. Had he included me on the loan, that would not have been a problem. 

It should not be the case that after 10+ conversations and a pre-approval letter that our loan could be unilaterally changed on us and it should not be the case that one bankers incompetence should be a burden we have to bear.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I spoke with Equifax on XXXX/XXXX/15 and asked them when the following accounts would be removed from their credit reporting. I was given the dates listed below in XXXX and XXXX of 2015. These dates are all past the 7 year mark and they all should be removed no later than XXXX 2015. I was told my only option was to dispute them which I did. The results are attached. 
Problem : Every time I call Equifax I get different information. 
These removal dates are all incorrect. They should be XXXX 2015. 
Equifax has told me they base the removal date on the DATE OF LAST ACTIVITY. This date is blank on every item listed in the attached report! When I ask what constitutes the date of last activity I get varying answers! I disputed all the accounts below but they only processed some of them. 
As can be seen from the information below Equifax, XXXX and XXXX all are using different dates. Am I to assume these companies are reporting different dates to each credit bureau? This makes no sense. 
Account # Equifax XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2015 Deleted DeletedXXXX XXXX XXXX XXXX XXXX/XXXX/2015 XXXX/XXXX/2015 DeletedXXXX XXXX XXXX XXXX XXXX/XXXX/2015 Deleted DeletedXXXX XXXX XXXX/XXXX/2015 Deleted DeletedXXXX XXXX XXXX/XXXX/2015 XXXX/XXXX/2015 DeletedXXXX XXXX XXXX XXXX XXXX/XXXX/2015 XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 Not Reported DeletedThese dates need to be fixed and the accounts deleted.

Company response to consumer: Closed with non-monetary relief