milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/26/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is a lot of inacirate data still on my report, XXXX XXXX had another company come after me and I sued them and we settled out of court. This should not be on my report anymore because of the settlement, XXXX funding was a company that I sued under the FDCPA and settled out of court and this needs to be removed, I signed an agreement stating that I would not show the settlement to anyone. XXXX XXXX XXXX hired XXXX XXXX and they should be removed because of settlement terms, I have never had a XXXX XXXX account, portfolio recovery has never shown me proof that I owe something, never had a reeds jewlers account nor have I been shown any proof, and any other items on my dispute list are not my accounts not have I been shown defenative proof. I am unable to send settlement documents because of a signed agreement but XXXX XXXX XXXX, XXXX, and XXXX XXXX all need to be removed due to settlements. All other disputed items, I have been shown no signed documents. The credit agency is supposed to remove incorrect information and has refused to do so.

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 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX  will not remove old deragotory information from my credit report. It is m ore than ten years old. The statute of limitations has expired.

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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX, XXXX I contacted XXXX XXXX XXXX  regarding a account that they had in collections in the amount of {$790.00}. I spoke with a representative that stated that I had to send her boss an email stating a " Cease and Desist '' on the current complaint which I sent to XXXXXXXXXXXX. The representative stated that this would have to be done before I could pay to have the account settled, closed paid in full for the amount of {$400.00}. XXXX XXXX also promised/assured me that after I gave them my routing number and bank account number to process payment I would be sent a letter via email stating that the account was paid in full /settled I then provided my routing number and account number to my bank to process the payment. After waiting for most of the day I did not receive anything. I contacted XXXX XXXX but no response. XXXX XXXX, XXXX I contacted XXXX XXXX XXXX regarding the same issue as I had not received the letter. I spoke to another representative who then spoke to her supervisor XXXX XXXX who e-mailed me rite away with a letter stating that if I did not pay the balance by XXXX XXXX, XXXX the payment agreement would be null and void. 
I have paid the full amount of the payment agreement, but on all 3 of my credit reports it is being reported with a balance of {$390.00}. There should not be a balance at all nor should it be being reported as open account. This account should be reported with a {$0.00} balance, settled, paid in full, closed on all 3 credit reports from XXXX, Transunion, and 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 02-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AUDIT SYSTEMS,INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I recently had my Identity stolen and reported it to the police. A collection company called me concerning a check i did not write. They made me give my address which is something i did not want to do. They were rude and then wanted me to mail them a copy of the police report. I asked the rude lady to email me the address and she said they could not email and was rude and acted like i was the criminal. I am a stand up citizen who is a 20 year XXXX who had a credit score in the XXXX before the theft. I will not be badgered or spoken to in that tone by anyone expecially someone who collects debts for a living.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 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: Credit inquiries on your report that you don't recognize

Complaint: I wish I knew what has happened. I was recently denied a loan due to excessive inquiries ( my score is around XXXX XXXX. I did just recently purchase a new vehicle and knew I would have a couple of inquiries but I was told by the loan XXXX that I have over XXXX hard hits in my credit. I called the car dealer and he assured me I only was sent out to XXXX banks. I am getting letters in the mail about loans that I have n't even applied for. When I tried to pull my credit report to review these items so I could dispute them, I ca n't pull my report. After checking into this, I am evidentially XXXX of the XXXX XXXX affected by the recent information hack at equifax. So I ca n't even check my own credit to dispute the illegitimate inquiries. I do n't know if my personal information has been compromised or if a dishonest dealer hammered my credit. But they should have told me. I would like to see these items removed because the high number is impacting my score by around XXXX points, and as a business owner this is critics. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (DC).
Issue: Account opening, closing, or management

Complaint: Earlier this year, I opened an account with USAA via online application. I opened the account with the {$25.00} minimum requirement. Beginning in XX/XX/XXXX I began depositing XXXX per pay period from my payroll deposits into that account since it was going to be my neice 's " savings '' account. XX/XX/XXXX, I went to withdraw money from the USAA ATM fo rthe first time and was given a telephone number to call after the receipt said can not dispense funds. At that time ( XX/XX/XXXX ) I called their CS XXXX requesting information on where my money was, which had only accumulated to XXXX and I was told that the account was put on hold pending eligibility. I informed them that I was indeed XXXX XX/XX/XXXX however my paperwork was in IL in a storage locker and I can not provide it. I was very upset because the account had been opened so long and I had NOT ever been contacted and now my funds were on hold, XXXX. I no longer cared to be eligibile - I want to close the account ( I saw this gap in communication as horrible service ) which I informed them, however the department that closes the account was closed at XXXX. On XX/XX/XXXX I called again and spoke to a member of the dept. who said my fund would be sent via check, expect it in 5-7 business days. By XX/XX/XXXX they had not called - I spent 2.5 hours being tranferred around their back offices and told a manager would call me back in 24-48 business hours. On XX/XX/XXXX I called back and basically accused of having untraced funds from my XXXX Payroll which is clearly stated in the account summary ( attached ) and asked did I ever serve in the military in an accusatory tone from the executive resolutions team and told he would submit a request to their back-office and " see if anything comes of it. '' The same back office who told me on XX/XX/XXXX there is nothing they can do. There is some condescending overtones and I just want my XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Portfolio Recovery  has not sent me proof of my obligation of this alleged debt as requested, and continues to report these  XXXX  trade lines to the  XXXX  major credit bureaus. This is creating major issues for me, as this is causing high interest rates, application rejections and a lowere d credit score.  I disputed these  XXXX  accounts on  XXXX   XXXX  of this year through  XXXX ,  XXXX  and   XXXX   to no avail. To date , Portfolio Recovery ha s continued to ignore my requests for validation and ignore my consumer rights. I believe that this account does not belong to me. I requested documents from their files used to verify this account. Under the Fair Credit Reporting Act , 15 U.S.C. 1681g  I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. All unverified accounts must be promptly deleted. Who verified these accounts? What documents did they use to verify? Where are these documents used to verify these accounts? I have not received any verification for these accounts. This company is in violation for continuing to verify the accounts with the credit bureaus without providing the evidence as requested. I believe th at Po  rtfolio Recovery can not tie me to this account, otherwise, it would have been provided with my initial request. Portfolio Recovery is  blatantly disregarding the law and consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Bank account or service (Other bank product/service) with BANKUNITED, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: I previously filed a complaint with you, it is the Case number : XXXX. 
My complaining is about unfair and deceptive business practices. Bankunited is offering in XXXX XXXX accounts an interest rate of XXXX for 3 months and afterwards, the interest rate is XXXX. However, I have a MM account with BankUnited for almost 20 years. XXXX has been lowering my interest rate until 0.3 %. This means that they have been giving me only a half of the return value, or interest rate that they should in relation with other customers. But, the market value of my money is the same as of those they called as " new money ''. This " new money '' is often the result of closing an account and re-opening it again. 
The first answer of my bank was they were unable to locate my account. Then, they said, that there were too many XXXX XXXX and they did not know who I am. 
Today, after 3 months dealing with them and waiting for a solution ... they offered me 3 months rate at XXXX and afterwards 0.6 %. 
I do not need the intervention of too many people or reps and 3 months waiting period for closing my account, sit in the lobby for XXXX min, and re-open my account again with " new money ''. I would like to know if the CPFP is able to provide me any help or assistance? 
I am XXXX and I have enough neurons to be graduated from an university and this " solution '' sound to me as a foolish. 
I would like to obtain your help if possible in handling this complaint. They are excusing behind an argument that customers has to be checking for " bank offers '', but instead, they do change " offers '' at its convenience b/c my XXXX account was openned at an interest rate of ( at least XXXX XXXX or higher. Then, the bank is able to reduce my interest rate without calling me and ask me if I agree or not with this change, but to increase my interest rate I have to be checking " often for offers '' with the account administrators. 
All banks that I know offer a rate that is directly related with the amount of money in the 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 12/15/2016 about Debt collection (Medical) with Midwest Service Bureau, Inc. (KS).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: XXXX, XXXX, called my Cell phone, ( no permission given to call cell ) from a blocked number. Showing as " Unavailable ''. Then I said I was still in the 30 day dispute stage and told her the dispute was miscoded insurance claim. she informed me that " you know you owe it. '' Repeated asked from my credit card information, even though I had no verification it was even the collection agency. Then she told me I had the XXXX from XXXX for over a month. ( misrepresentation ). I told her I guarantee you I have not. please verify the date. Then she called me a long time collection problem. How would she know? did she pull my Credit Bureau? or was she just making false statements.

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 07/28/2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I need your assistance in helping me to get several accounts reporting on my credit file from Unknown removed. These accounts do not belong to me. I was a victim of identity theft ( my wallet was stolen along with my ID, Social Security Card, Credit Cards, and more ). I have notified Equifax of this along with Unknown. However, Unknown has reported to Equifax that these accounts have been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Mortgage (FHA mortgage) with MIDFIRST BANK (IL).
Issue: Loan servicing, payments, escrow account

Complaint: We had a house fire in XXXX 2015 and have been making repairs to the home in order to move back in. Over the course of the repairs all money from the insurance company was required to be submitted to Midland Mortgage then dispersed to us as repairs were made. Along the process they required arbitrary inspections to determine the amount of our insurance money we were entitled to. At one point they declared us at XXXX % complete, then shortly after decided we were actually at XXXX %. Now we are towards the end and need the final funds to complete our repairs and get back into our home. The most recent inspection stated the house was XXXX % complete. At this point, we have used all of our available cash and maxed out XXXX credit cards to purchase building materials because of delays caused by Midland. In addition, we are paying {$1000.00} per month rent as well as utilities on XXXX houses. Midland refuses to release us from the requirement of the insurance money going to them first even though XXXX XXXX of Midland stated once it got to XXXX % complete they would release us. They are now stating the house needs interior doors, landscaping and carpet in XXXX bedrooms. They claim this is XXXX % of a $ XXXX claim. We have approximately XXXX due to us from the insurance company that would allow us to complete the house and move in this month yet they refuse to release us. It is my belief they are attempting to force my mortgage into default and seize my home. As of now we owe approximately XXXX on the home and once complete it should appraise for approximately XXXX, incomplete it should be worth considerably more than my mortgage balance, meaning their collateral is secure and they should be working with me to get me back into my home and my home completed.

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 08/23/2016 about Mortgage (Other mortgage) with U.S. BANCORP (NC).
Issue: Loan modification,collection,foreclosure

Complaint: U.S. Bank National Association filed Appointment of Substitute Trustee. The homeowner has passed away & the estate after trying to get them to give them a payoff for a short sale & not getting one gave the property back Deed In Lieu of. This was in XXXX2014. Would like to know why it is taking so long to foreclose on this property.

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 04-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: IQ DATA AKA XXXX HAS BEEN SENT LEGAL DOCUMENTATION IN REGARDS TO SUCH SAID DEBT AND REFUSES TO COMPLY WITH FEDERAL GUIDELINES AS WELL IS MIS REPUTATION THIS DEBT GOES BACK TO XX/XX/XXXX AS THEY UPDATED WRONGFULLY REPORTED XX/XX/XXXX THIS IS COMMUNICATION ERROR AND MIS REPUTATION AND VIOLATION OF THE FAIR CREDT ACT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Struggling to pay mortgage

Complaint: My clients property is underwater m y 1st question  is can he do a short sale if he is still making the payment. We have an offer on the property I am attaching all the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (SC).
Issue: Problems when you are unable to pay

Complaint: I voluntary sent car back was unable to fix due to defect in all XXXX throwing a rod in motor or metal shavings left in motor for XXXX XXXX-XXXX company refused to fix it and never official did not do a recall. Many XXXX owners are having cars to stop suddenly, locked down or blow up or catch on fire. I consider this to be hazardous and unsafe and negligent on their part

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit card () with American Credit Acceptance, LLC (FL).
Issue: Other

Complaint: I recently received a copy of my XXXX.The credit report showed a credit inquiry by American Credit Acceptance on XXXX/XXXX/2015 that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: We bought a house XX/XX/XXXX, for XXXX with a XXXX and a XXXX mortgage. We refinanced to get out of a 2-year ARM and increased the amount of the second mortgage.  XX/XX/XXXX, the economy went south and my husband who is XXXX as a XXXX, suffered setbacks with his XXXX but also with his health, needing a XXXX. I lost my job and got a new one, but lay-offs meant that I had to look for work again.  We struggled to keep our house and became delinquent with the XXXX mortgage on XX/XX/XXXX.  We have been through XXXX loan modifications, and we knew that we should concentrate on the XXXX mortgage so as to keep our home. We do not want to file for bankruptcy, and we want to keep our home. We did not make any payments on the XXXX mortgage after XX/XX/XXXX. Greentree, also known as XXXX sent us a letter dated XX/XX/XXXX advising us that the statute of limitations has run out.  XXXX, their debt collector, sent us a summons with a letter dated XX/XX/XXXX to court for XX/XX/XXXX to appear before a judge over the debt. I thought that when the statute of limitatinons has run, that XXXX are to stop pursuing the debt under the law.   I am afraid to contact them because any communication with them may be seen as an admission to the debt and revive the debt with respect to the statute of limitations.  Greentree continues to send us a bill for the debt, hoping to trick us into making even the smallest payment in order to revive the debt with respect to the statute of limitations.  XXXX sent us a letter that tries to get us to pay something in lieu of going to court, but that is also in order to revive the debt.  I don't think they should be allowed to try to trick homeowners into thinking its safe to pay a little without informing the homeowner that it will make them fully liable for the debt for another 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company says I owe XXXX for XXXX XXXX XXXX. I lived in XXXX, XXXX and XXXX does n't serve the area of XXXX I lived in. 

I 've tried to have it verified, but all I get is this for a answer. 

Credit Protection ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class Cable/Cellular ; Client XX/XX/XXXX ; Amount {$360.00} ; Status as of XX/XX/XXXX Unpaid ; Date of 1st Delinquency XX/XX/XXXX ; Balance as of XX/XX/XXXX {$360.00} ; Individual Account ; Account # XXXX ; Address : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing statement

Complaint: I have a XXXX XXXX XXXX credit card issued by Chase Bank. There is a {$95.00} annual fee for this card. Chase provides a year-end summary that can be downloaded from their website. This summary shows all charges by month and by category. But this summary does not include the annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: I disputed an item to be removed ; being   XXXX    removed item from my report as a result of their investigation.

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 01/20/2017 about Credit reporting () with EQUIFAX, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a public record on my file that did n't belong to me but whoever used my SSN fraduently managed to get and my wages were garnished to pay it off. I 've disputed this to have it removed as it 's not mine originally but was paid in full and released by me XXXX and XXXX have deleted it but Equifax will not

Company response to consumer: Closed with explanation