milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have filled numerous complaints with Equifax. Equifax has finally responded by removing the 3 loans that were originaly South Carolina XXXX Loans # XXXX which were well over XXXX years old. South Carolina XXXX Loans then sold these same 3 loans to XXXX XXXX XXXXXXXX. These 3 loans need to be removed too as they are the same debt. Selling the same loan over and over to destroys my credit and is against the law to do. Equifax has all 3 XXXX XXXX XXXX still on my report last dated XXXX/XXXX/XXXX which XXXX has sold to them and need to be removed. I have previously asked that they be removed. We were warned by the refinance agencies that Equifax would be difficult to deal with and they were right. 
I am XXXX years old living on a fixed income and need to refinance my house but the the game playing by Equifax still continues. XXXX and XXXX had the decency to remove them. Why has n't Equifax done so? 
Equifax continues to drag their feet and it is costing me {$21000.00} in extra interest to be paid because loan rates have gone up and i ca n't qualify with these 3 loan debts which I have asked repeatedly to be removed. I am going to ask for in punitive damages if this does n't get fixed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 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: Credit bureaus has refused to correct /remove fraudulent and erroneous data from my report after several attempts and several months of disputes via certified mail, online and phone. 
They have also failed to provide me with sufficient evidence for these inaccuracies within the 30 day timeframe allotted by law. The most recent dispute was made XX/XX/XXXX. 

Erroneous data : all names other than " XXXX XXXX '' ( many incorrect spellings and middle initials reporting '' all addresses other than " XXXX XXXX XXXX XXXX XXXX  GA XXXX '' XXXX XXXX " late payment XX/XX/XXXXXXXX XXXX XXXX ' late payment XX/XX/XXXX XXXX XXXX XXXX XXXX " late payments 4 years ago on closed account '' XX/XX/XXXXopen account of $ XXXX  " ( account closed as report states } Fradulent data : all Inquiries XXXX  " open account $ XXXX  " XXXX XXXX  and Experian have experienced security breaches. Therefore, it is in their best interest to correct this matter as it is adversely affecting me. My next and final step in this matter will be litigation. 

Thank you, XXXX 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 non-monetary relief
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX  has unlawfully allowed false inquiry on my files which i did not authorize. over five companies showing. furthermore remains non compliant with removal of : XXXX XXXX-not collecting XXXX or XXXX  XXXX-10years old account XXXX XXXX- disputed in full, unauthorized charges present XXXX-not collecting and no response XXXX- hostile torwards me, TILA violation, bureau non responsive in removal, atty hired served with other accounts for removal and keeps adding them 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 11-11-2016 about Consumer Loan (Vehicle lease) with FORD MOTOR CREDIT CO. (NJ).
Issue: Managing the loan or lease

Complaint: Ford Motor Credit is reporting an account on my credit report that should only be on my business credit report. This lease was for my business and was told it would never hit my personal credit. This is why I put it through the business so that it would n't be on my personal. All of a sudden I look at my credit report and it shows that it is late when this is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (Medical debt) with Adler Wallach & Associates, Inc. (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was billed by a company called XXXX XXXX XXXX for XXXX XXXX that i received from XXXX XXXX XXXX I was charged two amounts for {$5100.00} and {$3000.00}. I spoke with XXXX XXXX and was told this was a mistake and I was not liable for this. Recently I found out all three major credit reporting agencies ; XXXX, XXXX, and XXXX has a collections on my credit report for these amounts from XXXX XXXX. I never received any notice of this. I spoke with my insurance company ( XXXX  of SC ), XXXX XXXX XXXX  ( the originator of this test ), and XXXX XXXX XXXX c/o XXXX XXXX XXXX who billed me for this. I also spoke with an investigator who told me that this was an error and I should have never been charged these amounts and told me that I was not liable for this. After speaking with the investigator, the last contact I had with him, he informed me that the issue had been cleared up and I wasn't liable for this. I wasn't alerted that this had been sent to collections until Recently even though XXXX XXXX  was given the account in XX/XX/2017. I never received any written notification via mail. After being alerted that these charges were sent, I called XXXX XXXX XXXX c/o XXXX XXXX XXXX. I came to find out that the company is dissolved since filing for bankruptcy and had multiple lawsuits against them fraud. I have submitted disputes with each credit reporting agency as I was told on multiple occasions that I wasn't liable for these cost and should have never been billed in the first place. I have also reached out to the investigator that I was speaking with before to find out why this wasn't cleared up and why it is now in XXXX XXXX   possession. XXXX XXXX XXXX was no help in trying to resolve this issue and tried to pass the blame to another entity who has no connection.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Vehicle loan or lease (Loan) with Foreman Financial Inc. (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: foreman financial gave someone else a auto loan in my name on XXXX/XXXX/XXXX for the amount of {$19000.00} after I contacted ( XXXX ) which is the supervisor for the finance company he ran my credit once again knowing that I had already made a police report and also made a report to the federal trade commission for identity theft and two days later XXXX called my place of employment harassing me. and every time I called back to speak with him his staff XXXX XXXX XXXX XXXX would give me the run around and continued to hang up on me

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: Santander consumer usa has super high interest it seems payments never go to the principal balance, when you call customer service wont help at all they just want a payment. Late fees are ridiculous and charging fees to make payments are extra high.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Mortgage (Conventional fixed mortgage) with TIAA, FSB (CA).
Issue: Loan servicing, payments, escrow account

Complaint: EVERBANK IS WRONGFULLY REPORTING A 30 DAY LATE TO MY CREDIT REPORT. In may we have called in to provide our banking info for Everbank to process the payment. However, that information was inputed INCORRRECTLY BY YOUR REPRESENTATIVE ... which has cause a 30 day late negative reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 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: I applied for an apartment in XX/XX/XXXX. A couple months later, I noticed that the background check was run two separate times, resulting as 2 hard injuries on my Equifax credit report. Early XX/XX/XXXX, I spoke with my apartment complex about the issue. They stated they were going through computer updates and it was most certainly a glitch that caused a duplicate request to be sent for a background check. The two background checks were completed right next to each other ( XX/XX/XXXX & XX/XX/XXXX ). They contacted the background checking company ( XXXX XXXX XXXX ) and they said I needed to contact the reporting credit bureau. I contact Equifax on the XX/XX/XXXX and initiated a dispute with a woman on the phone. Roughly a week and a half later, I was informed via automated email that the results of my dispute were available online, but was unable to access it through Equifax 's website. I called and spoke with XXXX ( spelling? ) at Equifax and was told there is nothing they can do to remove the duplicate inquiry without a Notice of Removal from XXXX XXXX I. I then called XXXX XXXX I that same day and they told me that Equifax was wrong and they would have their dispute department reach out to me within 24 hours. I then spoke with someone else at XXXX XXXX I a couple hours later when they called and was told they would reach out to me shortly but gave me my two dispute numbers for the two dates of inquiries ( XX/XX/XXXX : XXXX and XX/XX/XXXX : XXXX. I was then contacted by XXXX XXXX for the last time ( week of the XX/XX/XXXX ) and was told that the apartment complex needs to reach out to them. I spoke with the apartment complex that same week and they told me there is nothing they can do and asked if I contacted the credit reporting agency. I have gotten the run around multiple times, and just want to get this solved. Thank you for your help in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Mortgage (VA mortgage) with CITIBANK, N.A. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I have lived in my home for over 13 years and have had a mortgage with CitiMortgage. I have gone through XXXX financial situations when I divorced and when I changed employers. The most recent issue came when I changed employers. When I changed employers my income went from {$1500.00} bi-weekly to $ 1500 monthly. I informed my mortgage company and asked for a hardship/modification. My current payments were {$1000.00}. which I had been unable to make but at the time I applied my mortgage was up to date. I was contacted by my mortgage company yesterday XXXX who informed me that I was approved and my new mortgage would be {$710.00} which was great because my take home pay is {$880.00} and I could pay a mortgage payment from XXXX check. After about 5 minutes I received another call from the mortgage company who told me that the information provided previously was an error and my payment would be {$1000.00} and I said that 's what I pay now how is that a modification? My issue is that I received a modification from this company before and my mortgage amount was almost exactly the same but I felt like I was compelled to accept it because I did n't want to lose my home because I have children. I am feeling that I am in a corner because I do n't understand why if I told them my pay has been cut in half and I need a hardship they believe its okay to give me the same payment and call it a modification. I believe that something shady is going on and I do n't know what I need to do to get to the bottom of the situation. I need a modification that will work for me and that I can afford. I want to keep my home but they really are n't giving me any options.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: USAA Bank, clearly advertises that family members of veterans may obtain checking accounts with them. That is only partially true. In there national commercial they clearly state that siblings of veterans may obtain an account. When you call USAA Bank, a sibling is not allowed to obtain an account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX is reporting a late payment on m y credit report, that it is inaccurate and i was never late, please help me to remove this inaccuracy from my credit report i have uploaded the XXXX XXXXletter for which they have approved to remove this delinquency, but experian is not removing and does not cooperate, the other two bureaus have already removed except experian. 
thank you for your understanding

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 05/20/2015 about Debt collection (Mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: XXXX Bank XXXX is the substitutionary plaintiff in an ongoing foreclosure case in XXXX XXXX XXXX Court of XXXX XXXX, Florida, against me and my wife. 

On XX/XX/XXXX, XXXX XXXX from JPMC prepared a FRAUDULENT Assignment of Mortgage from HUD to XXXX Bank XXXX. XXXX XXXX signed as Power of Attorney for HUD. 

I contacted HUD, XXXX XXXX. and they informed me that since they are an insurance company, they PAID OFF Chase in XX/XX/XXXX and that Chase transferred the loan to XXXX. Yet, XXXX Bank XXXX is trying to foreclose on my property. They have no right to my property and I want to report this as a FEDERAL CRIME - impersonating as an attorney for HUD. Please address this matter IMMEDIATELY, as there may be a court hearing soon.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: The bank I 'm with is not updating my transactions in real time for XXXX and delaying my deposit from them X/XX/2017 I have tried contacting them through social media and updating several times through the app.

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 09/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Chase is miss-reporting payments made and received. Chase continues to report my mortgage to be in arrears and every month the number increases by a month 's payment. On the statement sent payment is listed to have been received. All of the discrepancy started after the chapter XXXX bankruptcy ended but Chase representatives can not identify the specific month when the XXXX payment was not received. Chase miss allocation of payments is negligible and is having a significant impact to my credit and ability to obtain financing. I currently have and adjustable rate mortgage with a rate of XXXX and I can not refinance it because of how Chase is handling my payments and reporting such. 
I appreciate your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Prince Parker & Associates (IN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: They will not quit calling my wife and I as well as my employer by phone, but we have yet to receive anything in the mail from this company. How do I know it is legitimate without that information?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (TN).
Issue: Account opening, closing, or management

Complaint: This complaint is about the fees my bank charged for a wire transfer, not the transfer itself. I did some business with a company XXXX and they pay through wire transfer. I had the money wired to my SunTrust account. The remitting bank XXXX provided a receipt showing that they remitted {$9100.00} XXXX to SunTrust. When I received the deposit, {$30.00} XXXX was missing, but then SunTrust charged me {$15.00} separately for a " domestic '' wire transfer. SunTrust publishes an incoming international wire transfer fee of {$30.00}. When I questioned the double charge XXXX {$30.00} off the top and {$15.00} extra ), SunTrust said they did not charge the {$30.00}. After several emails and phone calls, someone looked at the trail and determined that the incoming wire transfer came through XXXX bank and SunTrust received {$9100.00}. My guess is that SunTrust uses XXXX to process their international wire transfers since they are not an international bank. The Swift code for SunTrust was used but it obviously went through XXXX first, which shaved the published {$30.00} fee off the transaction. My main concern is that in the process of receiving my money, {$30.00} disappeared and I have no receipt or explanation for it. The fact that I was charged {$15.00} for a " domestic '' wire transfer between the bank SunTrust uses for international transfers and SunTrust itself is double-dipping and criminal. These transactions should be transparent and all fees should be disclosed up front. I would have been fine giving SunTrust the published {$30.00} for the international wire transfer, but the fact that another bank ( that I am not a customer of ) got that and then I was charged {$15.00} for a domestic transfer is the issue. It 's dishonest and needs to be stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: Capital one continues to report an incorrect balance on my credit report. Account XXXX shows a balance of {$1600.00} dollars which is incorrect. Balance should be {$0.00} since account was sold to a collection agency. I have provided verification that account was sold in XX/XX/XXXX. I 've complained to the XXXX and CFPB several times and Capital one continues to ignore my complaints and offer no resolution. All I 'm asking is for the balance to be corrected. This is an old charge off from XX/XX/XXXX i do n't see why you wo n't update the correct balance to {$0.00}? If not corrected immediately I have no choice but to sue capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have noticed unauthorized inquiries on my credit report. The inquiries are listed below : XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Checking or savings account (Checking account) with BB&T CORPORATION (GA).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: My wife and I received a refund check from the IRS. Today, XX/XX/2017 AT XXXX XXXX I attempted to cash at our local BBT ( XXXX XXXX XXXX, XXXX, GA XXXX ). The teller, who identified herself as XXXX, refused to cash the check because my wife was not present and her name was not on the account. I asked to speak to the manager about cashing the check, and was told no manager was in for me to speak with. 
My wife 's name is not on the account because we tried to place her name on the account, but as her immigration status is pending ( she is legal and in the process of establishing permanent naturalization ) the bank refused to put her name on our account. My wife was not with me because she is the mother of XXXX young children, XXXX XXXX XXXX XXXX XXXX, and can not drop taking care of our children to hop in the car with me. 
I would have less of an issue with this, except for the fact BBT has cashed checks ( including from the IRS ) made out to myself and my wife in the past with no issue as long as my wife has endorsed the check ( this check was endorsed by my wife ). They deposited to my account and then gave me the cash back. 
For a resolution-please cash the check my wife has endorsed, even if it is just me in the drive through! I am happy to bring my wife 's driver 's license or paperwork, but it is difficult for us both to leave the house, put the kids in the car, simply to cash a check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: During the period XXXX-till date I have tried to open several checking accounts for personal and business use. The bank forced me as part of the account creation to also have a savings account. I could not open a checking account by itself. 

I agreed to open a Savings account for my business ( XXXX ) even though I did not need that account. I deposited {$25.00} in it of my own money. Obviously since I really did not need this account, I did not use it either. All through out this time, they never paid be a single cent of interest on {$25.00}. 

After several years of non-use elapsed, my account was shut down without my consent and turned over to the California Controller as unclaimed property. I have had 4-5 accounts and credit cards with the bank and they turned over my balance {$25.00} to Unclaimed Property. 

Now the California Controller says that they have received many Claims and because of the volume they can not process my Claim. They very likely will not pay me any interest either.

Company response to consumer: Closed with explanation