milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2017 about Credit card () with Alliance Data Card Services (MI).
Issue: Closing/Cancelling account

Complaint: This is not the first time Comenity Capital opened up a credit card for me and then immediately or shortly after closed it out. XXXX XXXX XXXX I applied for a XXXX XXXX card as we are traveling this XXXX and I wanted to get rewards for my spending with XXXX XXXX. Immediately approved for XXXX. Card was mailed out and activated. I did not use it yet. On XXXX XXXX not even using the card yet, I get notice from XXXX that the card has been closed by credit grantor. 
Go back a few months, XXXX XXXX, XXXX. Opened a Redicard for XXXX with Comenity ... seeing I was going to be staying at a XXXX in the near future ... about a month later, get notice that it was - CLOSED by credit grantor due to inquiries. Funny thing is, the inquiry was the one that was for the XXXX with Comenity Bank. 
Same thing happened with my Comenity XXXX Visa. Approved in XXXX and then they closed the account. The only reason why I applied for the card was for the promotion that was going on. I joined the XXXX with XXXX and bought a bed, so I would get a discount. Shortly after, they closed my account and kept the fee I had to pay to join the club, as well as keeping any additional discounts I was going to receive for opening the credit card account and using the card on the purchase of the bed. 
With all this being said- XXXX accounts with Comenity, in the past year, closed by credit grantor ... is a bit ridiculous. Why extend credit to me, if after a few weeks, or a month, decide to cancel. I have no late payments, or accounts in default, so I am not sure why they are doing this. I took the hit to the credit bureaus for the inquiry and immediately or shortly after they close the accounts for 'excessive ' inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Company responded Experian Credit Reporting Agency said : Explanation of closure Thank you for submitting your complaint on XXXX XXXX, 2016, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 

We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicate that Experian is reporting inaccurate credit information on your personal credit report. You would like your names and incorrect addresses corrected. 

Upon further research and reinvestigation we were in the process of removing/updating variations of the disputed address. Upon completion, an updated copy of the credit report will be provided to you for review and confirmation. 

Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. 


I HAVE RECENTLY RECEIVED MY NEW EXPERIAN CREDIT REPORT VIA THE US MAIL, AND I WOULD LIKE TO KNOW WHY THE INVALIDATED, INACCURATE, DISPUTED INFORMATION IS STILL BEING ILLEGALLY DISPLAYED ON MY EXPERIAN CREDIT REPORT? PER EXPERIAN 'S RESPONSE, VIA THE CFPB PORTAL, WHICH IS LISTED ABOVE FOR YOUR REVIEW, EXPERIAN CLEARLY STATES THAT THE DISPUTED NAME, AND INACCURATE ADDRESS IS IN THE PROCESS OF BEING DELETED! SO I WOULD LIKE TO ASK EXPERAIN WHY IS IT STILL BEING ILLEGALLY DISPLAYED ON MY CREDIT REPORT? AS I AM SURE THAT EXPERAIN IS IN FACT NO DOUBT AWARE THAT RE-INSERTING PREVIOUSLY DELETED INACCURATE INFORMATION BACK ON TO A CONSUMER CREDIT REPORT IS KNOWINGLY AND DIRECTLY VIOLATING THE FAIR CREDIT REPORTING ACT LAWS! FAILURE TO REMOVE THE RE-INSERTED INACCURATE PERSONAL INFORMATION COULD RESULT IN {$1000.00} DOLLAR FINE PER UN-DELETED ITEM! 

I AM NOW DEMANDING THAT EXPERIAN ADHERE TO THE LAW AND COMPLETELY REMOVE THE INVALIDATED, INACCURATE, DISPUTED PERSONAL INFORMATION THAT WAS RE-INSERTED BACK ON TO MY PERSONAL CREDIT REPORT AS SOON AS POSSIBLE. 

THE FOLLOWING INACCURATE INFORMATION SHOULD NOT BE BEING DISPLAYED ON MY EXPERAIN CREDIT REPORT : ILLEGALLY ADDRESS BEING DISPLAYED ON MY PERSONAL CREDIT REPORT : XXXX CO XXXX ADDRESS IDENTIFICATION NUMBER : XXXX ILLEGAL NAME CURRENTLY BEING ILLEGALLY DISPLAYED ON MY PERSONAL CREDIT REPORT : XXXX XXXX NAME IDENTIFICATION NUMBER : XXXX AS I HAVE NEVER USED THE INACCURATE PERSONAL INFORMATION CURRENTLY BEING LISTED ON MY EXPERAIN CREDIT REPORT, I WOULD LIKE TO KNOW WHY EXPERAIN IS CONTINUING TO KNOWINGLY VIOLATE THE FAIR CREDIT REPORTING ACT LAWS BY CONTINUING TO REPORT THIS RE-INSERTED INFORMATION?

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 09/18/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Experian has been reporting a secret consumer file used to provide leasing reports to various companies. Reports that I have never received attached to my credit file and also reports that they will not disclose to myself. As I am a victim of identity theft by a property manager who assumed and attempted to use my name after finding it was clear and free of any criminal activity, and when told that she could n't, she tried to send a bill to me two years later in the name of the person that committed identity theft prior to her that I filed charges on. I have since tried to contact Experian, and they will not furnish the report. They have blocked me from access to my file requesting that I mail a request, and releasing it to others with a click of a button, with fraudulent accounts and reports and court filings. I have asked Experian not to add, inquiries, collections, or anything pertaining to my file unless it is Legally verified. I request that Experian Unblock my file to myself, so that I may see what they have been reporting pertaining to me, and my information. It is someone that works within the Experian Corporation giving access to my information, while blocking myself from seeing what they are disclosing.

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 06/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with QUICKEN LOANS, INC. (NV).
Issue: Application, originator, mortgage broker

Complaint: We called Quicken for rates and fees. The rep stated that the rates were 2.75-3.375. After calling us back the rep stated rates were XXXX points and XXXX. The rep also said we did n't have programs available ft hat were promised for like 1 % down programs during the application process.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Student loan (Non-federal student loan) with GREAT LAKES (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Honestly, do n't even know where to begin. I have n't had a student loan since 2002. My original balance was about XXXX. Somehow, no matter how much I 've paid on it since then, the balance never goes down and now says I owe over XXXX?? Student loan companies are ripping people off every day. Anything, my credit report show student loans from other lenders, where contracts were sold over 12 years ago. I have asked to have them removed, but they are still remaining on there. I have them garnishing my wages, hundreds of dollars in the past, but yet they refuse to show me my payment history and where the money was applied that I paid. Now I have a new company which says XXXX, aka great lakes, reporting to my report I am in collections. I went online and set up and rehabilitation agreement and pay them every month. However, When I call them to ask why I am getting collection notice increases on my reports every month, they said I have no account with them. So who am I paying once again??? It 's killing my report, that I have XXXX student loan, but XXXX different ones showing on report, from different lenders. No one has sent me any verification per my request with payments I made or payments garnished. I anything showing a student loan from past or present removed from XXXX reports. I am fine having my report updating with my current payment rehabilitation program, but no one seems to know where that is going!! These accounts being reported on my account are all in accurate and need to be removed immediately. I am trying to buy a house. I ve paid more in interest over the years than my original loan ever even was!! Just rip off and I have no degree to show for it. uggggg Please have them update my reports showing XXXX student loans. Older ones should of been removed anyway, they are over 10 years old and not even the correct lenders. The school I went to for a year, isnt ' even open anymore to give me any information either. 

PLEASE NOTE.. IT WAS FOR XXXX XXXX XXXX IN XXXX XXXX. I CA N'T UPDATE THE LINE BELOW WITH IT. KEEPS REJECTING IT OR KICKING ME OUT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (OK).
Issue: Trouble during payment process

Complaint: XXXX XXXX XXXX XXXX Driver 's License # XXXX Address of Property : XXXX XXXX XXXX XXXX XXXX, GA XXXX Current Residence : XXXX XXXX XXXX, XXXX XXXX, OK XXXX I, XXXX XXXX XXXX, hired XXXX XXXX XXXX, the owner of XXXX XXXX XXXX XXXX XXXX. He was hired to repair damages to my home in XXXX, GA after XXXX XXXX. This was an insurance claim as well as addition to the home. XXXX XXXX received a check for {$21000.00} as well as {$10000.00} of personal funds that was transferred from my XXXX XXXX XXXX XXXX account to his. After XXXX XXXX abandon the property, damaged my property which left my home not livable. I know have family displaced/homeless with no way of contacting him. I have left several messages on his cell phones, emails, and I have sent him a certified letter for him to please contact me. XXXX XXXX signed for the certified letter and still has not contacted me or refunded me my funds. I called his insurance company to see if I could file a claim but was denied due to a statement that he was not paid. The insurance company also stated that he was not a license contractor and should have never signed the contract. I researched the database to locate if he ever had a license and was unsuccessful. I am XXXX XXXX military and I am asking that I please have someone assigned to this case and to help me. I do not want him to do the to anyone else. I have a copy of the contracts, checks and a letter from the banks for funds cashed, transferred and received. XXXX XXXX signed the contract XX/XX/XXXX. He started some measurements/materials during XX/XX/XXXX. XXXX XXXX did not start any construction on my home until XX/XX/XXXX/XX/XX/XXXX timeframe. This is from texts and phone calls of the progress from him. After XXXX XXXX received the additional {$10000.00} via funds transfer ( XX/XX/XXXX-XXXX XXXX XXXX week ) no one was able to contact him. My insurance company ( XXXX XXXX ), mortgage company ( PHH mortgage ) as reached out to him several times with no response. I spoke to an attorney about this issue and was advised that the person was a fraud that had stolen my money and that I needed to make a police report ASAP. If you need any documentation or have any questions please call me at your earliest. I can be reached at XXXX XXXX XXXX XXXX. Police report # XXXX Thanks and have a blessed day! XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: In the process of obtaining a XXXX-figure home mortgage loan, I recently had the opportunity to review a copy of my credit report at the XXXX, Experian and XXXX consumer reporting agencies. Contained therein was an account for XXXX XXXX XXXX under account number XXXX. <P/>Vehicle purchase in XX/XX/XXXX - it was traded in without a single delinquency in XX/XX/XXXX. With that said, the XXXX, Experian and XXXX credit reports each contained XXXX XXXX 30-day delinquency. This reported delinquency negatively impacted my credit score. <P/>I disputed the erroneous late payment with XXXX XXXX XXXX, in addition to XXXX, Experian and XXXX. It was my contention that this account was never delinquent. <P/>On or about XX/XX/XXXX XXXX caused this account to be " updated '' at the XXXX, Experian and XXXX to show 31-60 days for the month of XX/XX/XXXX - 5 full years after the account was closed. <P/>My credit score at the XXXX, Experian and XXXX consumer reporting agencies immediately dropped more than XXXX points as a result of a " current '' delinquency being reported. I am now in serious danger of losing my mortgage approval, in addition to a six-figure deposit. <P/>I contacted XXXX, in addition to XXXX, Experian and XXXX to report the error. XXXX XXXX advised that the account was reporting correctly and that I should take my complaint directly to the credit bureaus. <P/>I entered a dispute on XX/XX/XXXX with XXXX, Experian and XXXX but was advised that it would take 30 days to complete the dispute. This is unacceptable. Not only have I never been late on this account, the account is now reporting currently delinquent as if I was late in current time.

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 05/22/2015 about Debt collection (Medical) with American Collections Enterprise, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I became a victim of ID theft in XXXX and in XXXX I was informed by the IRS that someone had filed my income tax return using my personal details and when i had my XXXX report pulled because i am trying to purchase my XXXX home. I was subsequently informed that I had a large amount of debts in collection. I requested my free reports and found that I have ( XXXX ) medical entries that do not belong to me. i contacted the ( XXXX ) bureaus and informed them that i wanted to file a dispute ; immediately I contacted the debt holders and informed them that i was a victim of ID theft and I needed them to send me written validation of the account and information detail where and how the account was opened. All that has transpired since my initial contact since XXXX from my efforts was a security alert being placed on my file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: About 4 yrs ago i was a victim of identity theft my credit was being pulled and account were made that was not me their also alot of inquiry that i did n't authorize from XX/XX/XXXX till XX/XX/XXXXlike car loans credit cards and other agencies

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 09/22/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I purchased a XXXX fridge and freezer French door from Sears. During the Hurricane Irma I panicked and left, I found out when I got back I forgot to clean out my fridge and freezer and that the area has been with out electricity for over a week. Many did not evacuate and cleaned it out within hours. I 've tried multiple ways to clean it out but coffee grounds to soak up the microbial infectious XXXX left. I called Sears and argued with them to come and clean it because I still owe them several thousand on the credit card I 'm paying high interest on and I saw the Sears Outlet refurbished fridges and sold for over {$800.00} ; whereas new fridges are several thousand dollars. Monday XX/XX/XXXX, I had a technician come out that refused to take a part areas that had screws and tabs in it. I called numerous times and was directed to several other countries personnel instead of local people. I was scheduled for an appointment, that no one showed and then again today. Today 's told me " maybe '' I could do this or that but most likely I need a new fridge. That I could try to pressure wash it and let it dry for several days or use coffee grounds. I also forgot important medicine in it, where the XX/XX/XXXXgot into the bottle and after XX/XX/XXXX made me XX/XX/XXXX worse than the exorcist and have the worst XX/XX/XXXX like symptoms since. I 've been forced to go out in public to eat and get supplies and may be contagious with some kind of XX/XX/XXXX and was given weak antibiotics by the Veterans Affairs hospital for XX/XX/XXXX like symptoms. These symptoms are worse than any XX/XX/XXXX I 've ever had and could probably XXXX people. I 've been wearing the mask except when eating and then noticed others whom were working coughing, both wet and dry coughs. I understand I panicked but now I 'm very ill and I am not the only one. I may have also been ill prior to leaving because someone speaking to me spit in my eye accidentally. I 've scheduled a request forXX/XX/XXXX and to be seen again by my doctor but need to wait until I get less sick as I believe these symptoms could XXXX  certain individuals like children and seniors. I may have also forgotten to wear my mask at some places. Please contact appropriate medical staff for this, because there was several hurricanes and Puerto Rico will be without electric for months. I care a lot, I 'm just not educated enough.

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 01/30/2017 about Debt collection (Mortgage) with Ditech Financial LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In regards of Ditech LLC Mortgage servicer Above agency have claimed its jurisdiction over default mortgage loan XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2016 assigned from XXXX In its process Ditech has demand immediately payment of full dept and keep reporting purported dept to all Credit Bureaus regardless to my dispute and dept validation request. In its respond dept validation request Ditech serve me its " validation package documents '' full of multi copy of same documents with not my authorize signature and foremost no security instrument include therein. In this period of time XX/XX/2016 thru-XX/XX/2016 Ditech has also presented them self as rightful assignees of XXXX contrary to its own deed/assignment produced over 3 months later XX/XX/2016. After that time-line Ditech start over its deceptive practice with exact respond and non professional/ignorant conduct dishonor and disregard all my notice of error and request of correction and/or address the issue. During the whole time Ditech also keep change its account agent individuals with valid phone number however none existing and/or unreachable extension number. On XX/XX/XXXX Ditech has produce HAMP/Modification Trial Plan on its own with no my consent and/or request and/or application submitted therein, which is fraud by inducement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Problems caused by my funds being low

Complaint: On or around XXXX, 2013, I went to one of the branches of Santander Bank at XXXX XXXX in XXXX, XXXX XXXX to sign to be ( opt-out ) from my checking account ending in XXXX. At the same time, I applied for an over draft protection account which it was approved. to my surprise, the opt-out I singed in for did not took an effect at all. how ever, I called them so many times in regards to this incident, but it was fruitless. I made so many phone calls trying to escalate the issue, but no one seemed to be helping me at all. there were times I was put on hold for about 45 minutes and at the end of 45 minutes, they hung up the phone.every single time I called. I always ended up talking to one of the branches in XXXX, the service in this branches was horrible, I ask one of the representative that I wanted to talk to a manager, I was told that there was not managers available. they took my name every single time I called stating that a managers will call me within 24 and 48 hours, but that never happen. despite the fact, I have signed to be opt-out from my checking account, they continue paying any incoming charges with out being available fund to cover with out my authorization. so far, they have charge almost {$3500.00} just in over draft and sustained fees in the matters of three years. just in the last month, I received a letter from them saying that I have paid them {$750.00} dollars in over draft fees. it is pretty obvious that Santander bank is doing this to profit themselves illegally by ripping off customers that are struggling to pay the bills on time. it is clear to me that Santander did not activate my opt-out as a purpose to make money from over draft fees. 
I called them almost a month ago and I spoke to one of the mangers that refuse to give me her name, I told her that I had signed three years ago to be -opt -- out from checking account and finally they discovered that I did, and now it is in effect but is too late because they already charge all the money. 

My desire solution from this illegal act from Santander bank is that they need to pay me back all the over draft and sustained fees charge to my account which are almost $ XXXX.dolars. also, I want the Consumer Financial protection bureau to thorough investigates Santander Bank for any other illegal practices that they might have been doing with customers. 
sincerely, XXXX 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 explanation
Consumer complaint received 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXXAct. # XXXXPast Due : {$170.00} Pay History Opened : Reported:XX/XX/2014 Condition : Derogatory Individual Account Limit : {$0.00} Balance : {$170.00} Payment : {$170.00} Credit Type : Open Account XXXX XXXX Remarks : Collection account Utility I have not opened a XXXX XXXX account. Its saying that it is open and past due.

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