milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-01-2017 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: Information belongs to someone else

Complaint: I am having significant trouble getting items on my TransUnion credit report removed and neither TransUnion or XXXX XXXX XXXX are providing me with verification of debt. In the past I have sent request for verification to XXXX XXXX XXXX but did not receive any responsive documents. Furthermore, these items have been disputed with TransUnion and TransUnion always waits four weeks then marks the information as " verified ''. However, I do not understand how TransUnion is verifying the disputed records if the data provider, XXXX XXXX XXXX, can not even provide me with proof of debt or respond to my debt verification inquiries. It may be worth nothing that other consumer reporting agencies and financial institutions have already acknowledged the records submitted by XXXX XXXX XXXX to be false. Indeed, XXXX XXXX XXXX have already been removed from other reports because the information could not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Shopping for a loan or lease

Complaint: I have a problem with Santander bank on our credit reporting. We had an automobile with XXXX then Santander bought the Contract. We had problems with this bank and we complained about them. 
Now we are having a problem again. We had paid car payments for this vehicle. The bank had the payments, and a repossession order had been issued. We were not informed of a pending repossion if so, Santander would have known the payments were in their XXXX. 
When on or about XX/XX/XXXX the car was taken. We informed Santander the payments they had them. The car was then returned 20-30 minutes the same morning. 
Santander Bank said that it was their mistake the repossion fees would be waived and the repossion would not appear on our credit report. This was in XX/XX/XXXX. 
We have found out it 's on our credit report and will remain there until XX/XX/XXXX. I have been in contact with Santander Bank today XX/XX/XXXX. I was informed there was absolutely nothing they could do. We were given the runaround when we began to investigate them we were given 3-4 different number to call each one was the wrong number. 
We feel this mistake of credit reporting is unfair. We paid for this car and can not get another car loan because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom Mortgage has failed to pay my XXXX property taxes by the XXXX XXXX due date. Freedom Mortgage is collecting {$470.00} each month intended to pay taxes and insurance. I have loan closure documents specifically stating that city taxes will be paid out of that escrow.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I stopped using my credit card since XXXX 2017  and paid off all the balance due. I have tried not to use it because of the interest charges was too much for me, even though i have checking and savings account with the company and always check the account online with my phone, what is strange is anytime i open the account i only sees  the checking and savings only without seeing the credit card account. Last month in XXXX i was checking my checking account and i saw there was a transfer of XXXX from my checking account to credit card account immediately i call the bank but they asking for some codeword that i couldn't remember so they couldn't resolve the issue they required i should  go to their branch to  reset the codeword, the branch was far from where i leave about XXXX mile from me so i couldn't go and decide to found time to go later.  About XXXX weeks ago   I went online again on desktop computer  to print out my statement to support my social security document they ask me to bring, when i get in the account i realized there is amount due of XXXX for credit card so i was what i don't even use this credit card anymore for the pass XXXX month how come do i own them so i click on it and notice there are some transactions that i have no idea about i kept scrolling down and noticed somebody been using credit card for the pass XXXX month from XXXX 2017. So i called the bank and they said i should go online and freeze the account which i did . The next day i drove abut XXXX miles to one of their branch and reported the case and they closed all of my account and opened a new one for me. But ask me to go for police report since the fraudulent been using my navy checking account to make payment for the credit card and even the transaction is more than XXXX days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Credit reporting () with LEXISNEXIS (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was a victim of ID theft approx XXXX years ago and the key perpetrator was caught and convicted, yet there were other instances where my ssn and/or my name became associated with another individual. The most recent example was when attempting to confirm my identity to access my XXXX XXXX account, they used a XXXX product from Lexis-Nexis to try to validate my identity. Lexis-Nexis asked that I confirm city of residence of someone that I have never met and proceeded to deny my access because I declared that I did not know this individual when their records indicated that I should. I looked at available options to correct the data Lexis-Nexus maintains, but only options offered is a copy of a report that I already know has inaccurate data, which even for this requires much too much effort on my part to access my own information that they sell to others for a fee. 

While I can not proactively scan the world to see where else data on me is not correct ( e.g. when opening an account with XXXX Bank XXXX weeks ago their system showed my ssn associated with someone else ), when I find specific examples I need assistance to remedy. 

Please advise, anxious to clear up issues wherever I can. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I had made a deal with a credit card company to have fund taken out of my checking acct of XXXX a month until it was paid so they took out XXXX payment then sold to a collection agencythen took XXXX more payments of the same amount this was a XXXX card at the time I made the deal I had like XXXX before theyhad late fees over the limit fee how can I be over my limit when I have maid payments now I have all paper work they took payment after they sold the note. 
Now they Are going to garnish my pay forXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (VA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On  XXXX   XXXX    XXXX   I received a call from a number that my wireless company had flagged as a likely scam which concerned me. I answered the call anyway and the representative told me they were from  Comenity LLC bank and w as financier of my  XXXX  credit card. She told me my account was 2 months past due even though I remember signing up for automatic minimum payments from their website. I made a minimum payment and wanted again attempt to sign up for auto magic payments. Another representative instructed me it can take several days before I am allowed to set up automatic payments. It is my feeling that this company puts this process in to place in an attempt to not allow customers to register for automatic payments. Every account I have with other banks is set up this way and I have always been able to do this either over the phone or most often online with no issue.     As a result of this companies processes or limited abilities they have left a negative mark on my  credit score an d have charged me late fees that I would have otherwise not been charged.     They lure people to apply by offering rebates and discounts, but slcharge an enormous interest rate. This along with the previously mentioned concern is unfair and creates a cost to consumers that expands beyond the services they provide.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 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: Information belongs to someone else

Complaint: I have recently credit my credit file. I have noticed several collections accounts on my file that is no accurate and should not be on my report. It also show a dismissal is a bankruptcy that should have not been there due to that it not mine. I have contacted the bureau of several attempts and have gotten no results. My next step will be to contact an attorney due to the history of these accounts hurting my credit. These accounts are stopping me from providing for my family.

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 04/17/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hi, I was charged without my awareness {$4200.00} as of XX/XX/2015I never seen a Doctor or signed any document regarding any medical treatment. 
Somebody is using my name and ruing my credit. Please help. 
This is the company 's information below. 
XXXX XXXX XXXX {$4200.00} as of XXXX account. {$4200.00} past due as of XXXX XX/XX/XXXX 




XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 07/20/2015 about Debt collection (Credit card) with Oracle Financial Group LLC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: There is a company named Oracle Financial LLC that continues to call me and threaten me with a law suit. They will not provide a validation notice and have made threats of lawsuits, coming to my place of employment to serve me, and stating that they will find me through my family. They have personal information about me such as my social and address and it concerns me. They offer a settlement over the phone and say I need to pay them through credit card immediately. This feels fraudulent and I am concerned they may be trying to commit identity fraud or collect debt that is not real.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/18/2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I opened a savings account with B of A MANY years ago to compliment the checking account I 've had with them since XX/XX/XXXX. I only opened it upon being assured that there were no monthly fees associated with it. And, indeed, there were none until, beginning XXXX XXXX XXXX, BofA started deducting a $ XXXX/month monthly fee. They never notified me of their intention of doing this, and I only noticed it in XX/XX/XXXX. By then, I had paid XXXX x {$12.00} = {$60.00} in fees. I phoned to complain and ask for a refund, but the agent only offered one {$12.00} fee as refund. To her credit, that agent then also changed my account to another type of savings account where there are ( apparently ) no monthly fees in the future. 

I consider deducting funds from my account without a pre-notification to be tantamount to theft. If I had been notified, I would have closed the account, or changed to the type of account without fees. 

I escalated my complaint to XXXX XXXX, an " Escalation Manager '' who said that I " probably '' must have been pre-informed, and there was nothing he would do to repay the {$45.00} that BofA by then had seized and not repaid. He could not demonstrate to me that I had been pre-notified - only his opinion that " it must have happened ''. He would not give me the telephone number of his manager, XXXX XXXX, for me to escalate further.

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 09-04-2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Shopping for a loan or lease

Complaint: On XXXX XXXX, 2016, I purchased a XXXX Ford Edge from XXXX in XXXX, XXXX for XXXX. They insisted the car the car was accident free. One month after purchase it was determined the car was in fact involved in a serious accident which they failed disclose. The loan was financed by Capital One Capital One Bank, XXXX. XXXX XXXX, XXXX, XXXX XXXX. They and XXXX refuse to refund my money or take any corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Debt collection (Other debt) with New Southern Loans, Inc (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: This company is reporting a debt with a balance on my credit reports that was discharged in a Chapter XXXX Bankruptcy. I disputed the debt with the credit bureaus and it came back verified. I then sent this company a letter on XXXX XXXX, 2017 and they ignored it. Attached is my bankruptcy discharge and bankruptcy filing.

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 07-01-2015 about Debt collection (Auto) with WELLS FARGO & COMPANY (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Wells Fargo Dealer Services is giving false credit information about me to the credit reporting companies, XXXX, XXXX, and XXXX in flagrant violation of the Fair Credit Reporting Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Account opening, closing, or management

Complaint: I tried to open an account with wellsfargo and they told me there were accounts open, they took a statement and copies of my ss card and driver license. then told me they would look into it. I waited several weeks and then just said never mind with opening the accounts. I just know some fraud took place but they didnt tell me what. now I would like this investigated.

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 07/17/2016 about Credit card () with DISCOVER BANK (CA).
Issue: Rewards

Complaint: This is the follow-up to my earlier response on case # XXXX. I have declined the company response asking for proof to substantiate their claim that gift cards were purchased. As they claim that was the reason due to which they are denying me roughly XXXX in promotional bonus. I totally deny their claim. Discover need to honor the promised cashback on all my XXXX purchases asap. No update was made by the bank on my earlier case ever since I disputed the response ( alomst 6+ weeks back )

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: A name listed incorrect XXXX Never used any name like XXXX An Address wrong : XXXX XXXX Al XXXX Ex wife 's address Some Phone Numbers wrong XXXX number unknown XXXX unknown

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 04-03-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My husband and I filed a chapter XXXX bankruptcy in XXXX. The original case was dismissed because our attorney did n't follow proper procedure. The case was reinstated under a different case number and the case discharged in XXXX. In XXXX the dismissed and discharged cases fell off our credit report as they should have after 7 years. 2 years later the dismissed case has come back onto our credit report for Equifax. Equifax is refusing the delete this public record from our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Fraudulent check cashed on my checking account for XXXX dollars. Can not access my credit report and look for further fraud. Unable to speak to a live person. Unable to place fraud alert for same reason.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Debt collection (I do not know) with P&B Capital Group, LLC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This agency has been instructed to validate the debt through written form. I have not received a letter. They call multiple times throughout the day without leaving messages. I receive multiple calls from multiple telephone numbers with different area codes. 
( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Back in my early  XXXX    XXXX   which I am now almost  XXXX , I moved to   XXXX   for a business opportunity. After three months I got promoted and had to move to   XXXX  . In conclusion it has been over 5 years and there is a credit reporting agency even though I paid it off, it still shows a dregotory item on my credit report just as bad as a bankruptcy. There are a few credit cards and all things that were not my fault from a roommate that signed a lease without me knowing and 2 years later I received a bill and paid for it. My credit report has been ruined for 5 years. I even have a mortgage in my name a car lease in my name. But the problem is I always have to have a co-signed and I always pay outrageous fees because my credit is always poor from 5 years ago. I paid all these debts off. Most of them I did n't know went into collections until I moved back to  XXXX . I need help.

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 05/23/2017 about Debt collection (Other debt) with Midwest Recovery Systems (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I contacted MIDWEST RECOVERY SYSTEMS by certified mail o n 2 occa sions concerning an entry on my credit report, I explained that this is not my account and it is fraud, I have had no dealings with  XXXX    XXXX   XXXX  , I am a veteran with a   XXXX   XXXX     XXXX  and can not participate in such activities. I ask them to provide documentation of this entry bearing my signature and they have failed to do so. Any help you can give me in this situation is greatly appreciated. I will take them to small claims court if this is what I have to do.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Debt collection (Credit card) with MERCANTILE ADJUSTMENT BUREAU, LLC (MO).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I am regularly sending this debt collector {$20.00} per month as a check. They sent me a letter stating that on XX/XX/2017 I " provided verbal, recorded consent as your electronic signature authorizing [ the debt collector ] to process reoccurring, electronic funds transfers from your bank account ... '' I did not speak to them by phone. They could not produce this recording if they were asked for it. 

They go on to say that " this payment authorization is valid and will remain in effect unless you notify [ the debt collector ] ... '' I take this as a threat to illegally seize money from my bank account unless I contact them to dispute their lie. I do not want to contact them. I am paying this debt off, slowly.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received a total of seven calls from Convergent Outsourcing. I do not owe any money. I have submitted numerous complaints now to the CFPB to try to stop these calls from various other debt collection agencies. Since getting my new cell phone over a year ago, I have been plagued by calls from debt collection agencies because apparently the number is somehow connected in the debt collection agencies ' computer systems to some other person 's number who has debts. The response from the debt collection agencies is always the same : " We have no record of having called your number. '' But they are calling me! Here is a list of all the calls I have received from Convergent Outsourcing ( all times are in Eastern ).
<P/>
 XXXX / XXXX /2017_ XXXX _ET |  XXXX / XXXX /2017_ XXXX _ET |  XXXX / XXXX /2017_ XXXX _ET |  XXXX / XXXX /2017_ XXXX _ET |  XXXX / XXXX /2017_ XXXX _ET |  XXXX / XXXX /2017_ XXXX _ET |  XXXX / XXXX /2017_ XXXX _ET

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