milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX I was in email contact with XXXX XXXX at XXXX XXXX XXXX   (XXXX & XXXX) in regard to financing a used vehicle through that dealership.  After discussing financing options, I informed XXXX by email on XX/XX/XXXX that we decided against purchasing through XXXX XXXX XXXX XXXX. In XX/XX/XXXX, after receiving multiple credit denials from multiple finance companies for both my husband & I that we did not authorize, I check our credit reports, and learned that on XX/XX/XXXX multiple inquiries were made to our credit report on behalf of XXXX XXXX XXXX XXXX.  My husband contacted XXXX XXXX XXXX finance dept & informed them of these unauthorized inquiries & he was told (did not get persons name) that they would take care of it. On XX/XX/XXXX, we received yet another credit denial letter for both my husband & I.  This time it was from XXXX XXXX on behalf of XXXX XXXX XXXX.  So I again, checked our credit reports to find another unauthorized credit inquiry on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (WI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: In XX/XX/XXXX, I noticed a {$2.00} monthly " minimum charge '' on my XXXX XXXX Credit Card. I initially thought this was a mistake as I had paid my balance in full XX/XX/XXXX. Come XX/XX/XXXX, I saw the fee racking up each month and called them. They said they experimented with a new fee structure in the summer that charged interest over time ( even when the current balance was XXXX ) instead of charging them per month based on balance owed, like most credit cards do. They said this quickly became unpopular with customers, so they assured me they would adjust the balance to XXXX and that I need not worry. My statement for XX/XX/XXXX still showed a balance, so I called again. They adjusted the balance and again assured me this was taken care of. I saw my statement and it did reflect the fee adjustments, but they charged the entire balance anew, essentially voiding the prior adjustments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I HAVE NEVER HAD LATE PAYMENTS ON THIS ACCOUNT ( NORDSTROM ), I HAVE ATTACHED THE LETTER PROVIDED BY NORDSTROM TO PROVE THAT THIS ACCOUNT HAS BEEN APPROVED TO BE POSITIVE IMPACT ON MY CREDIT REPORTS NOT NEGATIVE, THEY HAVE GIVEN PERMISSION TO HAVE THIS NEGATIVE REMOVED FROM MY CREDIT REPORTS. 
PLEASE HELP ME TO HAVE ALL THE BUREAUS REMOVE THIS NEGATIVE MARK. 
THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The Doctor has not submitted the claim to the insurance company. The doctor 's billing department admitted that they never contacted me in writing, nor by phone, nor by email that their was a doctor 's bill pending. The doctor 's billing department has informed me that they erred in submitting the payment to collection and has requested the collection agency to removed from it from the Credit Bureau over 30 days ago. The Collection has failed to comply and removed this item from my credit report.

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 02/19/2018 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: Was not notified of investigation status or results

Complaint: I desire to have these inquires removed from my trans union. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Their customer service did not help and take care of removing negative inquires on my credit report.

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 01-03-2018 about Checking or savings account (Savings account) with INVESTORS BANK (NY).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Re : _ Investors Bank Ac # XXXX Passbook Ac # XXXX Statement Sav. 

The purpose of this complaint is to obtain funds that were withdrawn from my account due to inactivity. 

As i explained to their customer service I never received any documentation that the accounts became inactive, nor did I receive any notification or actual statements that statements were available. This pertains to actual mailings nor electronically. 

Customer service was able to credit {$45.00} to the passbook account, which is a rental account, bringing it to full compliance with the credit. Bare in mind that these funds do not belong to me and that I can not make any transactions in it. 


The actions to be taken for refunding the fees in the Passbook account, I was told, falls to the branch manager. After numerous attempts I was able to contact the branch. Speaking to XXXX XXXX XXXX ( XXXX ), over the phone, i was informed that he was going to explain the situation to the branch manager XXXX XXXX XXXX and get back to me. Upon his return call the conclusion was a flat out no refund will be given. 

Pursuing this matter, I learned that I could not log on to my account. Which entailed additional contacts with customer service to unblock the account which was blocked due to inactivity. 

The statement account was charged a monthly fee of {$5.00} from XX/XX/XXXX to XX/XX/XXXX ( I learned of this upon my inquiry late XX/XX/XXXX due to no communications from the bank ). The fees totaled {$70.00} approx. 10 % of the current balance.

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 04/25/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My letter to the company. They are trying to get money from me which I dont owe and steal my Identity. It makes me nervous because its on the collection now.     Request Type  I h ave a dispute CONVERGENT  USA  - DEBT COLLECTOR Consumer ID  XXXX  Request Date   XXXX    XXXX  Details Hi, I received a collection notice from this company in the mail for the amount of {$25.00} for  XXXX  company.  First  of all I DO NOT have any   XXXX   account. I do n't even-know how   XXXX   XXXX   works. Second, this is only {$25.00}  I  dont have any reason why I will not pay this small amount. I would like to know what is this transaction, and please also advise where did I purchase this transaction?? I would like to file a police report on this if this is proven not my purchase. I am worried now that my Identity is know stolen. Please advise asap so that I investigate what happened in this amount. Thanks, Account Number  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 05/16/2016 about Mortgage (FHA mortgage) with Seterus, Inc. (MS).
Issue: Settlement process and costs

Complaint: Now, Seterus is falsely claiming a debt and loan from XXXX. We have and will continually deny this fraudulent debt and loan made by Seterus. Our communication to Seterus was/is very simple ; do not contact us again because you all " Seterus '' is now claiming to have/servicing a Loan from XXXX plus ( XXXX and its affiliates ) are in violations of Federal Laws by continual harassments and threats. Therefore, you all Seterus plus ( XXXX and its affiliates ) need to stop making fraudulent claim about they have a lien on our property and owe a loan through XXXX because Seterus are trying to make a claim and a false foreclosure on my property which lead to defamation of our character. " Allegedly, Seterus plus XXXX, XXXX/ XXXX XXXX , XXXX etc. have committed fraud and continue to do so because they never had a lien on our house from the off-set or the inception of our mortgage ( See attachments ). " See the previous complaints made by us '' Submitted by XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Credit card () with AMERICAN EXPRESS COMPANY (MI).
Issue: Billing disputes

Complaint: American Express ( AMEX ) is charging me {$3000.00} in fraudulent charges. While I was in XXXX, my colleague and I visited XXXX of their night clubs. I received my bill for {$1600.00} and paid it with my XXXX credit card. After talking with the management about the service that I received, they agreed to reduce my bill and charged by AMEX {$1200.00} and told me that they would void my XXXX transaction. Which they did n't and I had to file a separate dispute with XXXX, who immediately credited my account. My colleague received his bill for {$3000.00} and was unable to pay it due to not alerting his credit card companies that he was over seas. After multiple hours of waiting for him to settle his bill by talking to the credit card companies over the phone, I finally agreed to pay his bill so that we could leave. The night club charged me {$3000.00} and then {$2600.00} for the same bill. As soon as I received my alert from AMEX on my phone I immediately called and told them that this club had XXXX charged me. AMEX claimed that I had to wait for the transaction to post before I could dispute it, in case it was simply a hold placed on the card while they checked to see if the larger transaction would go through since my colleagues cards had been declined. Once the transaction posted, I disputed the charge for {$2600.00} and was denied. I then thought that perhaps the {$3000.00} was the fraudulent charge and disputed that, again they denied me. Next I showed them how XXXX receipts had the exact same service listed and again disputed XXXX of the charges and they still denied me. None of these times was I ever contacted my AMEX or explained why they felt that these XXXX charges were valid. For a company that actively promotes their protection against fraudulent charges, I was extremely disappointed. Especially since I was willing to pay the other XXXX charges without any problems and have done a lot of business with AMEX over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
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: My credit report score has fallen almost 200 points and nothing has changed with my credit history. I have complained about a debt collector and the number of times a hard inquiry have been added within the 14 day time frame and each month my credit report falls dramatically. I need to know the reason for this drastic change. Is this retaliatory?

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: Wells Fargo permitted un authentic ACH request documents to be submitted on my behalf that allowed ACH money to be transferred out of my savings account. ( {$70000.00} ) Wells Fargo did not verify with me the documents the received, did not verify my signature on the document or any standard verification for ACH set up. Wells lacked sending me the standard alerts which are typical for a " new '' bill payee and I did not get the normal account notices when money is transferred from my checking or savings. 

I personally tracked down all XXXX from the information I gathered on the bank statement the day the theft was discovered. I located a legitimate XXXX company in XXXX called XXXX XXXX XXXX where the money was sitting. I had the accounts frozen ( bogus accounts were set up in my name to accept the ACH transfers ). Wells Fargo has never called, its been 7 days. I complained to my local branch office on XXXX/XXXX/2015 and still today have received NO communication from the local branch employee. 
A stop payment of XXXX was successful for the last few transfers, that was verified Friday however Wells Fargo has not given me that money back yet. It is MY money. 
Today I verified that the remaining XXXX has been successfully wired back to my accounts. This was done by me. Wells still clueless.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-12-2016 about Debt collection (Medical) with PMAB,LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is an old debt that I am trying to find and settle.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (Credit card) with Resurgent Capital Services L.P. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I 've never received information regarding the debt nothing validating stating it belongs to me yet signed off on this liability.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Portfolio Recovery Associates did not validate this alleged debt before reporting to the credit bureaus, even though I have proof of receipt of a timely dispute, which I mailed within the 30-days as allowed by the FDCPA. After I wrote them more letters, they did finally respond. But their responses to my XXXX and XXXX requests for validation were completely inadequate. The documents they sent were nothing more than an itemized list, and a statement from an employee stating that the alleged debt belongs to Portfolio Recovery Associates. This in no way approaches the legal standard for validation. I informed their offices of this, and demanded that they remove their tradeline from my credit files. I have not received any other communication from them since. Portfolio Recovery Associates also failed to mark their tradeline as disputed on reports, and has continued collection activity. Each XXXX of these violations of the FDCPA carries a {$1000.00} fine. I have submitted a formal dispute with the credit bureaus. I am also filing formal complaints with the Federal Trade Commission, the XXXX, and my state Attorney General, in addition to filing this complaint with the Consumer Financial Protection Bureu. I am also strongly considering pursuing this matter in court.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Debt collection (Medical) with Receivables Management Partners, LLC (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A couple years ago, I was in College and had to go to the emergency hospital due to feeling very XXXX. I was n't aware that my XXXX had kicked in but I could no longer wait. Later on I ran into some big XXXX issues and had no where to live. I had to drop out of college due to these issues. I was then stuck with this XXXX bill I could not afford. After a couple years and pushing myself to get my life back on track, I paid off the debt. I am now XXXX years old and very responsible. I 'm trying to purchase a little house that my little brothers & I can live in. But unfortunately since this is on my credit report I believe it is effecting me. Please help me get this off even though this debt is paid off. I have not let anything else be remotely close to going on collections.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have had a mortgage on my home in good standing with on time payments f or seven years . The company handling my mortgage,  XXXX  is not reporting to any of the credit bureaus. I have contacted them on at lea st five se parate occasions about this issue. Their canned response is that they are reporting to all three bureaus and that I should contact the bureaus individually to find out why my mortgage does n't appear on my credit report. I have done this, and all three credit bureau 's insist that   XXXX   is NOT reporting the loan. It seems fairly obvious that ALL the major credit bureaus are not conspiring together to deny the reporting of this loan. The only logical explanation is that  XXXX  is not properly reporting it. I have attached my latest credit report pull, and as you can see, to mortgage account is listed. My loan numbers are  XXXX  and  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I Have disputed a fraudulent account which went into collections with EQUIFAX over 4 times. Each time they claim they verified status and they keep saying they have not received the documents I uploaded via their own websites and also that I faxed to them. I have letters from both the collection agency : The original creditor XXXX XXXX XXXX has also submitted and it is not getting updated. I would like this removed from my credit report however I am tired of disputing it with EQUIFAX. Fortunately I provided the same proof for XXXX and XXXX and they removed it also immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen holds the primary loan on my investment property. There is an impound account for taxes and insurance. Ocwen pays the insurance late every year. Every year, I get a letter from the insurance company threatening to cancel my insurance. This year, my insurance got cancelled, exposing me to potential liabilities of XXXX of dollars. Ocwen also sent me a letter saying they were going to buy insurance on my behalf and charge me for it. They did not tell me how much they were going to charge me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Debt collection (Credit card) with Conn's, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid in the accounts with conns credit on time, in fact I paid the account in full prior to the maturation date. The have reported my account 30 days late and it is affecting my score. I am also receiving credit approval letters asking me to reopen my account due to my excellent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (NY).
Issue: Managing the loan or lease

Complaint: Hi, I have a personal loan through one main financial. I have insurance on my loan, if I am out of work the insurance will make the payments so I do n't get behind in my loan payments. I was out of work on XXXX. I contacted one main financial to let them know I was out of work, so they could submit a claim. one main contacted me to set up the paperwork needed to submit the claim. as the claim was processed, a member of the company contacted me. he left a XXXX minute message on my phone. the message that left was very inappropriate. message stated was the gentleman on the phone started of by sounding XXXX and saying " hey I love XXXX, I love big XXXX, I could play with an suck on big XXXX for hours. Then talking about movies, Grandmas boy. XXXX year old XXXX, with co workers in the office. then he said they were XXXX while watching these movies. message ended. I then contacted the district manager stating my complaint, he said that he would look into it. I felt that he blew our conversation off. nothing was done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My personal information may have been part of the Equifax hack that has recently happened.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (Private student loan debt) with Gurstel Law Firm, P.C. (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Per CFPB - The proposed judgment against the XXXX XXXX XXXX XXXX XXXX has been filed with the U.S. District Court for the District of Delaware, and it is effective only if approved by the presiding judge. The consent order is effective immediately. 

Under the Dodd-Frank Act, the Bureau has the authority to take action against institutions or individuals engaging in unfair, deceptive, or abusive acts or practices or that otherwise violate federal consumer financial laws. Under the terms of the proposed final judgment and consent order, the Bureau is requiring the companies to : Stop filing collections lawsuits on debt that can no longer legally be sued over : Statutes of limitation limit the amount of time an individual or company can go after someone in court for a debt that is allegedly owed. Under the terms of the proposed final judgment and the consent order, the companies are prohibited from tying consumers up in litigation after the expiration of the applicable statute of limitations. 
Stop attempting to collect, reporting negative credit information, and suing consumers for debt without proper documentation : Under the terms of the proposed final judgment and the consent order, the companies are prohibited not only from suing without documentation, but also from collecting and reporting negative credit information without documentation. 

XXXX XXXX XXXX XXXX XXXX continues to pursue and collect debt by filing a civil lawsuit with the Superior court of the state of Arizona - Through the Gurstel Law Firm PC - XXXX XXXX XXXX XXXX XXXX, AZ XXXX. 

Per court documents, all collection attempts should ceases until a 100 % audit of all cases are completed. 

I am currently continue to be served papers for court proceedings for case No. XXXX

Company response to consumer: Closed with explanation