milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX is reporting a debt for XXXX XXXX that was dismissed by the original creditor. XXXX  XXXX Dismissed the debt and removed the debt from all reporting in 2016. XXXX XXXX has been notified that the debt is no longer valid and XXXX XXXX has since dropped the debt. I no longer owe this debt and XXXX XXXX refuses to remove the debt from all reporting. In addition the company is reporting invalid dates for the debt. I did not open a credit card with XXXX XXXX in 2016. XXXX XXXX is reporting a debt that is no longer owed and is re-aging a debt that is more than five years old.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The Equifax hack leaked my SSN, date of birth, and address. It was confirmed on the Equifax website that I was affected by this. That 's just lovely ...

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have tried to have these removed from my credit as I never spoke to this company nor authorized them to place a inquiry on my credit, I have sent them several letters and yet they still fail to remove them or show me proof of me asking or authorizing them to run my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have been a victim of Identity theft since XX/XX/2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe XXXX months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to XXXX inquiries on my credit report. PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Problems caused by my funds being low

Complaint: Fifth third banks calls non stop and out side out side of XXXX daily repeated calls and sends threatening after days of being withdrawn. They charge so many fees and are not willing to remove over XXXX pre year but they will charge up to three times for XXXX item and anything over XXXX $ which is unfair. They fees are extremely high and un necessary. They have violated my rights as a consumer and almost every way possible and they have done the same thing to my best friend as well.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Debt collection (Credit card debt) with FIFTH THIRD FINANCIAL CORPORATION (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I called the credit card company fifth third bank and explained to them I do n't have an account with them and it 's on my credit report that I owe {$7.00}, and I was told the I 'm in someone else card as a authorize user and I 'm responsible for the dept and was told to fly to another state to there bank and give them my information so the can give me the card holders info so I can track them down and have them go to the bank and remove be from there card XX/07/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech performed an unauthorized ACH transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Debt collection (I do not know) with The CMI Group, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am needing to buy a home for my grandbabies to grow up in with me. My credit report has this collection on it and I think it 's wrong. They never write me or nothing!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (CA).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX, we initiated a mortgage refinance with US Bank in XXXX, CA. We completed the application, provided all information and got our rate lock and paid money for our appraisal. We emphasized that our HELOC was maturing and we needed to get this completed. They quoted 6-8 weeks. The appraisal came in higher than expected and the loan was sent to underwriting. Then everything fell apart. They delayed our loan for weeks. Then they sent a request for our accountant to give a forward-looking statement that our business would remain solvent for the foreseeable future. Our accountant stated in writing that it was against XXXX for him to provide that and provide the routine letter about our health. We provided tax returns and P & Ls. Finally after complaining that we felt we were being treated unfairly, they agreed to accept a letter from our CFO, and they drafted the letter. We complied and delivered the sign letter. They went silent for two weeks and all of inquiries were met with " we 're working on it ''. Three weeks later, they responded that they would not accept the letter and instead wanted a cash-flow analysis from our accountant stating again that the business would remain solvent into the future. They also mentioned our bank could provide that information. We took this to our business bank, XXXX XXXX, and their legal department said they had never heard of a bank making this request and that no bank or accountant could make that claim about future results. With nowhere to go, we had to cancel the loan after 10 weeks. We are now dealing with a second that has matured because of the delays and faced with starting the process again. We do not feel that we were dealt with fairly, and perhaps even in a discriminatory manner. We do not believe they treat others with our similar credit history and income level this way. It may also be that they quoted too low an interest rate ( we have been told that by XXXX mortgage brokers ) and simply wished to get out of the agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have filed two letters with Experian to remove the incorrect information that is on my credit report. The information is regarding a bankruptcy that was filed in XX/XX/XXXX. According to documentation that I have received from the U.S Bankruptcy court in Minnesota dated XX/XX/XXXX, they DO NOT report any information to any of the three credit reporting agencies. My first attempt to clear this up with Experian was on XX/XX/XXXX and I received a letter in response stating that the information was valid. My second attempt was on XX/XX/XXXX, and I included their response as well stating that I needed to contact the reporting agency. The reporting agency again DOES NOT provide the information as stated above. I have now escalated this issue to your agency in hopes to get this cleared up. I have included all the documentation needed to clears this matter up. I look forward to your help in this matter. 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 explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violaton taking more than 30 to investigate a dispute

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 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: 2 Months ago, I checked my credit and found that someone at   XXXX   XXXX   XXXX  ,  XXXX , Florida  XXXX , Stole my Idenity by using my Name,   XXXX   XXXX   and SS # to apply for a   XXXX   XXXX   credit card. I immediatly, contacted   XXXX   XXXX   and denied the application was mine and requested a freeze on the fraudulent application. my  credit score wa s effected.

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 03-02-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: their is company called XXXX that re reported me after the time limit has expired and after they deleted me experian has not helped in removing them even that i sent the prove which you will find in attachment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OR).
Issue: Account opening, closing, or management

Complaint: My chase bank account was left with no activity for a couple of months and that is because I 'm waiting on my school money to deposit again. I had someone wire money into my account an few days ago and went to the bank today and they told me my account was closed last XXXX with no notice at all no email or anything. I ca n't understand why they can just close your account without any notification at all.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: In XX/XX/XXXX Chase Banks XXXX working at the fraud detection unit unlawfully locked me out of my own account when I tried to inquire about a transaction. They issued a security freeze in my account so I could not access my account online and had to go to branch and show ID to unlock it and I was not given any logical explanation. They had no basis to lock my account I answered all security questions accurately and answered all questions regarding my name and address so they acted in bad faith in denying me access to my account. This may be how Banks in XXXX XXXX work but not the us. Harassment of law abiding customers is what Chase Bank engages in. I do n't recommend chase bank. They are corrupt and disregarded my consumer rights and for no reason locked me out of my account. I recommend a class action lawsuit by consumers who have been harassed and denied access by the XXXX working in the supposed fraud detection unit because probably in many cases as mine the fraud detection unit accuses innocent customers of being the identity thief and real identity theives are not detected just innocent customers.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Other financial service (Money order) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MS).
Issue: Fraud or scam

Complaint: On XXXX/XXXX/16, I purchased XXXX moneygram money orders from Walmart on XXXX XXXX in XXXX, XXXX for {$1000.00} each ( Money Order # 's : XXXX & XXXX ). After purchasing the money orders, I scanned both money orders to my XXXX XXXX XXXX account. I then tore the money orders up and discarded them at money services area at that Walmart ( A requirement that my bank XXXX requires ). In XXXX of this year ( 2016 ), XXXX pulled both of the {$1000.00} deposits for each money order from my account, stating that they had been contacted by MoneyGram stating that someone has deposited the physical money orders into an account at XXXX XXXX XXXX on XXXX/XXXX/16 and that MoneyGram would be pulling the funds from XXXX. I contacted XXXX XXXX XXXX and they informed me that a claim would have to be filed through MoneyGram to recover my funds. I contacted moneygram about this situation and on XXXX XXXX XXXX, I was contacted by XXXX XXXX XXXX of Monergram 's Resolution Assurance Dept ( XXXX ) who informed me that a credit had been issued by MoneyGram on XXXX/XXXX/16 for each money order and that my bank ( XXXX ) would need to contact the Federal Reserve and provide these reference numbers : XXXX - XXXX ref # XXXX on XXXX/XXXX/16 ; XXXX - XXXX ref # XXXX on XXXX/XXXX/16. XXXX contacted the Federal Reserve on XXXX XXXX XXXX and was informed that no funds were tied to these reference numbers and that the reference numbers provided were from the initial correspondence with XXXX XXXX XXXX and MoneyGram. This has been a very long and aggravating process that I would like to get resolved as soon as possible. I contacted XXXX and asked how could this happen when I endorsed each money order on the back by signing each of them with my name, and putting for deposit only, XXXX XXXX XXXX Bank ( see attached money orders that I had to pay moneygram {$24.00} each to get a copy of ). I also informed XXXX that I had never banked at XXXX XXXX XXXX, I knew no one that did and that this was a fraudulent case. MoneyGram provided a case number ( Case # : XXXX ) were they stated they opened up a claim of endorsement not as strong with XXXX XXXX XXXX ; a but to this date ( XXXX/XXXX/16 ), no resolution has occurred and I have not received my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Problems when you are unable to pay

Complaint: I purchased a vehicle from Drive Financial, which was purchased by Santander Financial. In XXXX 2008 the vehicle was repossessed and sold. The company stated that there was a remaining balance owed. Therfore there has not been any activity on the account since the repossessed date. However, the manufacturer changes the active date, so that the account stays will not remove from the credit bureau. In the Equifax reports it reads " This information is generally removed seven years from the initial missed payment that led to the delinquency. Missed payments and most public record items may remain on the credit report for up to seven years, except Chapters XXXX, XXXX and XXXX bankruptcies, which may remain for up to 10 years. Unpaid tax liens may remain for up to 10 years from the filing date. Paid tax liens may remain for up to seven years from the filing date. Transferred accounts that have not been past due remain up to 10 years after the date the account was transferred. '' Please assist by removing this fraudulent information as an attempt to keep it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (Other debt) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Roughly around XX/XX/XXXX I was behind on my monthly payment and I set up a payment arrangement with Conn 's and they accepted it and said once it cleared they would defer my payment and I thought that was the end of it after the transaction cleared, but they continued to call constantly 4-5 times a day. I asked them to stop the frequent calling I was actually trying to recover from a XXXX XXXX and the calls stopped for a while and then started all over again. So now in XX/XX/XXXX I am experiencing the same thing 4-5 times a day maybe more from different numbers which is now getting ridiculous! I've made another payment arrangement divided into 2 payments 1st one has cleared the other one is due on XX/XX/XXXX but in between the payment arrangement the harassing calls continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My application for an apartment was denied by XXXX XXXX when i asked why, they forwarded a credit report they obtained from Experian. The report shows multiple addresses ( XXXX ) XXXX XXXX XXXX B, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX AK XXXX. 
XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX which is completely inaccurate.I have never lived or have any address outside the state of Oregon. 
Also, an opened XXXX XXXX XXXX account with current balance of {$1800.00} in delinquency and over 90 days past due of {$430.00}. Surprisingly, I have never applied for any account or credit with XXXX XXXX XXXX.This really got me worried and frustrated. It dawn on me that my information has been compromised and that I 'm a victim of an identity thief. I went junk mails received to date found letters from XXXX XXXX, and XXXX XXXX XXXXXXXX with ref # XXXX. I contacted Experian and XXXX XXXX XXXX disputing their report which is hurting me seriously, also filed a police report with case # 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 09/25/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (FL).
Issue: Struggling to pay mortgage

Complaint: From XXXX to XXXX, we repeatedly submitted requested documents and loan modification applications to XXXX consecutive servicers, the last being Shellpoint Mortgage Servicing on behalf of XXXX Mortgage. Shellpoint Mortgage Servicing approved our application for a reasonable loan modification with their standard loan modification in XX/XX/XXXX. After completing the trial period we received the permanent loan modification with contractual terms, conditions and financial obligations we found to be unfair and unjust. However, we accepted the loan modification under duress. We did this because to us this was a continuation of our 10 year struggle to obtain a reasonable loan modification that fairly evaluated the unique circumstances of the causes of our mortgage delinquency. We spoke to XXXX XXXX about our concerns and followed up with a letter and emails to the Shellpoint Loss Mitigation and Escalation departments. To date we have only received letters telling us that they are investigating our issue, but no one has called or written to us for input. Yet to date we have paid the monthly payments of {$2300.00} which we believe is too high for XXXX/XXXX/XXXX and XXXX/XXXX/XXXX on time. This is the reason for our complaint and a request to Shellpoint for a 90-day grace period for submitting our appeal and for dealing with the additional expenses we incurred due to the effect of hurricane XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Consumer Loan (Installment loan) with U.S. BANCORP (KY).
Issue: Problems when you are unable to pay

Complaint: I contacted the creditor on several occasions and informed them that I am unable to receive personal phone calls during working hours, XXXX. I was contacted repeatedly during these times. I called the creditor yet again to tell them not to contact me during these times and the person said that it did not matter and that they can and would contact me at any time between XXXX and XXXX. I found this to be hostile and intimidating. 

I closed my account and am trying to pay off my remaining balance. After 40+ phone calls I found that it is impossible to access your account online if you have cancelled you card. I did not receive any statements or bills in the mail. Without online access to my account I could not make timely payments allowing US Bank to add hundreds to my account in late fees. 

The card and interest rate were predatory in nature. I was given the application in a bar while on XXXX break. I think it is immoral for US Bank to target intoxicated teens on XXXX break with high interest credit cards. I do n't expect the CFPB to do anything about it but I want people to know the type of business US Bank is.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UMPQUA HOLDINGS CORPORATION (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There were suspicious hard inquiries about my credit that I did not authorize. It happened XXXX XXXX and XXXX. I was at work on those dates but I received a notification that there were changes on my credit report thats why I log in to my account. I saw that there were atleast 7 hard inquiries from different companies that I did not authorize. That is unlawful and that is illegal viewing of my finances. I never gave authority to any body to view my credit, especially without my knowledge. It was for car loan credit inquiries. I went to XXXXXXXX XXXX XXXX in XXXX and spoke to the manager. I told the manager that they run my credit without my permission and I really wan na complain about it. I told them that its a serious matter for me and I felt very threatened and furious of what happened. It could be identity theft and I was so sleepless for two nights because of that. I was told by the manager that somebody represented me on my behalf and told them that shes my nom. They ran my credit without my consent for several times without even double checking and asking for my ID. I really felt that these companies violated my privacy and rights. I am so afraid and XXXX off right now at the same time and I wan na take this in legal action.

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