milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/18/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax Has Blocked My Credit Report My Credit Report is in the Equifax cunsomer affairs department i hired XXXX XXXX to handle my credit report i pay them $ XXXX Month Equifax has blocked my credit report from everybody XXXX XXXX, XXXX XXXX, XXXX everybody has told me my credit file has been blocked for 4 weeks now thats a month i paid XXXX XXXX to handle my credit report the have a contract with equifax so why my file is blocked i do n't understand i ca n't see my credit report online no more or nothing my credit report is blocked from everybody.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Data Corporation (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: First Data is reporting that I have an outstanding balance with their company for {$1800.00} to XXXX XXXX. A had inquired about a credit card reader for my store about this time last year. The account number listed on this account is XXXX. It is my contention that I have no outstanding balance with this company. First of all, the credit card equipment they delivered was never operational. Their service representatives could never get it working. Secondly, I never signed a contract with them. And finally, I have repeatedly requested for them to pick up their equipment, but they never do ( or provide instruction on how I can return it ). I would like them to delete this account from my credit report. I certainly should n't have to pay for something that never worked, nor for their negligence on re-acquiring their faulty equipment.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is a derogatory reference on my credit report from Jefferson Capital System ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX at XXXX ). 

Approximately, three months ago, I disputed this adverse notice claiming I owed {$200.00} to XXXX XXXX. I contacted XXXX XXXX on the matter, and all they could tell me is that they sold the collection to Jefferson. I called Jefferson and they can not identify any outstanding claim. This is because I contested it on my credit report, and it was removed by the credit reporting agency, but now it is showing up again. I DO NOT OWE THIS MONEY. No one can tell me what this is for. I have had a XXXX XXXX account for over 10 years. I continue to pay and be in good standing, but this keeps showing up and no one can give me any information as to why it is a collection account. According to a XXXX Report, this was placed in collection on XXXX/XXXX/2015. I did n't owe this at this point. It was later updated on XX/XX/XXXX and still showing as a derogatory notice. This is adversely affecting my credit and if someone can not provide information to me about this, it should not be allowed to be reported. 

when you call XXXX, an automated notice references that the account was sold. What company would sell an outstanding account if it is only placed in collection on XXXX/XXXX/2015. This is an error and it needs to be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is a bogus address listing on my credit reports - I have never lived outside XXXX. There is an XXXX address listed, per my XXXX provider -when they pulled up my name.??? Help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (PA).
Issue: Settlement process and costs

Complaint: The night before closing XXXX/XXXX/15 at XXXX we received a phone call from our real estate agent stating we had to bring additional money to closing. We initially thought we were going to make a cash profit on top of our XXXX percent down payment from the home that we were selling. We got this information from the closing disclosure we signed on XXXX XXXX and that total was {$52000.00}. In the beginning of obtaining the mortgage on XXXX XXXX, 2015 we were given an estimated closing disclosure but we were continuously told that it would change. On the night before closing, our agent called to tell us that the FINAL disclosure was incorrect and we were to actually pay the estimated amount on the closing disclosure {$55000.00}. This was all conducted over the phone and no one from the mortgage company or Coldwell banker provided us with any information via email until XXXX. I do not understand how an official document that we signed can be altered less than 24 hours prior to closing. It was very unprofessional and we felt as if we were being taken advantage of or that we were being scammed by our agent/ mortgage company. Essentially we were responsible for paying for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Debt collection (Medical) with JP RECOVERY SERVICES, INC. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They called XXXX times in XXXX minutes and a XXXX time XXXX minutes later. When I answered the XXXX time and tried to explain that I can not take calls of this nature during work, they attempted to keep me on the phone rather than just providing me with their contact information so that I may contact them when I am not at work. It took entirely too long to get this information from the representative on the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04/22/2015 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Advertising and marketing

Complaint: My husband and I each had a XXXX XXXX XXXX that we used to purchase round trip tickets from XXXX to XXXX last week. At the same time, we are both holders of the co-branded AMEX/XXXX - which entitles us to priority zone XXXX boarding, a convenient benefit since you can be assured that there will be ample room in the overhead bins for your carry on luggage. On our return trip XXXX from XXXX to XXXX, we were issued zone XXXX boarding, virtually guaranteeing no chance that there would be overhead space for our bags. Both my husband and I called both XXXX and AMEX and we were told by AMEX that it was a XXXX 'issue ' and told by Delta that due to the tickets being 'e ' class, they did not need to honor zone XXXX boarding. When purchasing the tickets, there was no mention of any restrictions that an e class fare carried. I presented my case to both XXXX and AMEX - that this was false advertising on their website - they capture customers by this fantastic benefit and there is absolutely no mention whatsoever that it is restricted to certain fare categories. XXXX supervisor went so far as to tell me to check the 'fine print ' area - I did that as well, no mention of restricting zone boarding to certain fare classes. She then told me that there is always the last statement, 'terms subject to change ' or something along those lines. They recorded several of the conversations when they were at the supervisor level, but all to no avail. In my opinion, this is a massive case of false advertising in the hopes of capturing large amounts of customers with benefits that they might/might not provide. Numerous individuals from both companies did not have an answer as to why the benefits were published on the website with no mention of any fare classes that would disqualify these benefits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NC).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I logged into my account today after an attempted transaction on my card today failed. I noticed that my account was closed, which I had not requested.  I called Barclaycard and the representative informed me that the card was voluntarily closed and I should have been read some terms when requesting the account to be closed. The bank closed the card without my  permission and marked it like I requested it.

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 06-02-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Struggling to pay mortgage

Complaint: I have a big problem with the holder of my mortgage lo an Nationstar.  I had been approved for a loan modification while my loan was with  XXXX   XXXX   XXXX  and had already begun making payments when the loan was sold  to Nationstar. I spoke with Nationstar and they told me they would honor the approved modification. After making a few payments to Nationstar, they told me they were not going to honor the modification and that I had to start over and go through Nationstar to get approved. They sent my payments back to me. Now I have spent over two years trying to get this straightened out with Nationstar. They are completely unorganized and their customer service is terrible. They never should have gone back on their word and refused to honor the modification. It was already signed and completed, I think their ac tions are illegal.  <P/> I bought my home in  XXXX  and refinanced into a predatory adjustable rate mortgage in  XXXX . The interest rate could go as high as 11.87 % and there was a two-year prepayment penalty on this loan. I have had steady employment working as a  XXXX  for over 30 years so even with the bad loan I was able to make the payments as agreed. In  XXXX  I discovered that my  wife (  now ex-wife ) had been stealing money from me and was not sending in the mortgage payment each month. This created a major problem and led to divorce. At that time I reached out to  XXXX   XXXX   XXXX  to resolve this issue and went through the process and was approved for a modification. I completed the paperwork and began making the paym ents. Shortly after receiving the modification the loan was transferred to Nationstar. Their agents told me that Nationstar would honor the approval ( I BELIEVE THEY ARE REQUIRED TO HONOR THE APPROVAL ) and I thought I was all set. A few months later Nationstar told me that they would NOT honor the approval and told me that I would have to go through the process AGAIN with Nationstar. Then they sent my payments back to me. I have literally spent the last two years trying to get this straightened out, and I went from an approved modification to a sale date in a few months. This is wrong. I want to file a formal complaint against Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (PA).
Issue: Using a debit or ATM card

Complaint: On XXXX/XXXX/2015 I went to TD Bank at XXXX to withdrawl money thru ATM. I first tried to get {$300.00}, but I got messege that I was over daily limit which confused me since I had only made deposit earlier in the day. Since I got messege I decided to try {$200.00} and was able to get that and got a reciept which included my balance. I contacted the XXXX branch when I got my monthly statement and was told by Assitant manager they would look into it since they were having problems with machine. I just got letter saying they did n't find error and would not credit me. I find this hard to believe since I have reciept for my withdrawl and you would think a bank can add and subtract properly. I am looking at what courses of action I must take to protect me from this banks erroring ways so I am filing this official complaint, and/or filing theft charges against bank with police and hiring legal reprsentation to protect me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/22/2015 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I called Genesis Lending to discuss the forgiveness currently available for former XXXX Students. I was informed that my loan did n't qualify because I had an AFT loan. Upon further research, this loan is for teachers. I am not a teacher nor did I sign for this type of loan. I have been deceived in so many ways and time after time I am being held liable for a loan that was misrepresented to me. This issue needs to be resolved especially when I 'm repaying a loan I have no information on.

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 10/20/2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Customer service / Customer relations

Complaint: I filed an complaint with Citi Cards XXXX on XXXX, I advised Citi Cards that, Title XXXX XXXX. XXXX, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Citi Cards are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Citi Cards company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Citi Cards are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Citi Cards fail to respond in writing, signed by hand, in a timely manner, I will assume that Citi Cards are in error and this matter will be challenged. As Citi Cards further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Citi Cards claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XXXX, I will file a complaint with the CFPB, XXXX. 
As of today XXXX, Citi Cards have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have an auto loan with Santander Consumer USA. I lost my job in 2016 after having this loan. I called and the rep said they would skip a payment and I could pay two months later and I would not have any late fees or penalties. My credit report shows 4 late pays with Santander and they now state that did n't happen when I call in.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Debt collection (Auto debt) with Shermeta Law Group, PLLC (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: In XXXX XXXX i was sued by XXXX XXXX for a car i voluntarily had repossed because they asled of i could borrow money to make a payment, they hired shermeta law group to sue me, i was sued and a settlement was reached, I am also a XXXX employee myself. I have been making payments to shermeta law payable to XXXX XXXX since XXXX, XXXX in the amount of {$200.00} a month, in XXXX of XXXX i was on a temporary layoff for 2 weeks, I contacted shermeta lae that i was on layoff they would not work with me, aftdr notifining them in XXXX XXXX of layoff they stopped sending statements of my account and payment coupon, I made a payment in XXXX XXXX without a coupon, on XXXX/XXXX/XXXX i recieved a letter dated XXXX/XXXX/XXXX that says i defaulted and now i owe the amount of XXXX instead of XXXX, they gave me 14 days to respond, this XXXX XXXX acount still shows on my credit report negative non of the payments made from XXXX to XXXX are being reporte to my credit report, i also have fmla due to a XXXX so i miss time from work, i ask tired of being harrased, they dont even send the paperwork to the correct address, they threating to garnish my wages, i am really XXXX from this company, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CREDIT ACCEPTANCE CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XX/XX/XXXX they got a hard inquiry on my credit report today inquiry I didnt request ... 
XX/XX/XXXX XXXX got a hard pull I didnt request i never applied for nothing I disputed the inquiry and the refused to remove it Credit acceptance XX/XX/XXXX have a hard inquiry on my account i did not to or approved I disputed the inquiry but they refused to remove it

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 04/24/2017 about Payday loan, title loan, or personal loan (Installment loan) with Conn's, Inc. (AZ).
Issue: Struggling to pay your loan

Complaint: I called in on  XXXX   XXXX   2017 spoke w ith rep and was offered a ext rep adv to pay  XXXX  which she setup the payment for  XXXX   XXXX  I started getting emails that my account was past due I called in on  XXXX   XXXX  and explained I had a extension set up the rep advised me he see the agreement and to allow a couple of days and account will be updated well that did n't happen I kept getting email I called back in to be told the ext was no longer avail because rep set it up wrong and was demanded to pay  XXXX  dollars I advised no I wont pay another dime until my next payment is due and requested my account be fixed I spoke with a sup who advised it will get corrected well again that did n't happen now I am being requested to pay  XXXX  and they will defer two payments to end of loan so they want me to pay  XXXX  plus the  XXXX  and none of these funds will be applied towards payments this is their fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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 have sent my Identity affidavit per credit bureau policy and procedures and the have failed to investigate and remove fraudulent information from my file even with my police report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Debt collection (Medical) with Stallings Financial Group, Inc. (GA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: The company Stallings Financial Group has been harassing me and threatening me about a debt for a doctor that I visited. I explained to the person that I was going through financial hardships and that I was unable to make an arrangement at that time. I asked to speak to a supervisor and was told he was the supervisor. I have a very sick child and have lost my job due to budget cuts at my company. The supposed supervisor was extremely rude and belittling during our brief conversation and exhibited the worst customer service I have ever experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Debt collection (I do not know) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Since XXXX 2015 I have sent letters to IQ Data International to have an unknown account removed. I was never contacted by them initially, so I can not tell you what the debt is for. I discovered the account on my credit and requested that they send me proof they have the correct person and or advise me of whom the original creditor is and or what it is for ... ... .. 
However, they did finally respond to me a few days ago 6 months later alleging that the account is for past due rent. I have no idea how they got my information or when I was supposed to stay in the so called place. I was never once notified or contacted by the original creditor/apartment complex. IQ Data just placed the debt on my credit and left it up to me to discover it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Late fee

Complaint: I left for XXXX en route to XXXX School on XXXX XXXX 2015. I believed my Chase credit card had been completely paid off, however there was a pending charge for {$30.00} that did not post until I had already entered XXXX. As XXXX is an " immersive '' environment that prohibits access to the internet, I did not know about the pending charge or the subsequent " late payment '' levied on my account until after XXXX. I now have a late payment mar on my credit, the only negative record on my credit history. 
I reached out to Chase as well as the credit reporting agencies to explain the nature of what I thought was a minor issue, but all of the involved parties have declined to address my concerns even after I provided documentation of the timeline described earlier. It appears to be a simple fix for an incredibly small amount of money that continues to hold back my credit rating.

Company response to consumer: Closed with explanation