milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2017 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have been requesting verification of the following account that Equifax continues to report on my credit file : XXXX FED Bk CT- XXXX XXXX Case ID XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX as the source of their verification on XXXX XXXX, XXXX. 
On Monday XX/XX/XXXX I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with Lei agent ID # XXXX and she informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. 
She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my Lexis Nexis credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/XXXX. 
I demand that this public record XXXX FED Bk CT-XXXX Case ID XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agent assured me that Equifax '' s so-called " verification '' on XX/XX/XXXX WAS NOT REPORTED BY THEM BECAUSE MY XXXX XXXX XXXX FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX XXXX address and a statement saying " the account is verified. '' I demand that this unverified account : XXXX FED Bk CT-XXXX XXXX CASE ID XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE. 

I demand and request this public record : XXXX FED Bk CT-XXXX XXXX CASE ID XXXX is removed/DELETED PERMANENTLY due to lack of verification and INACCURATE REPORTING OF VERIFICATION DATE. A XXXX XXXX agents XXXX XXXX ID XXXX ) assured me that Equifax 's XX/XX/XXXX " reported date '' and " verification date '' DID NOT come from XXXX because they DO NOT disclose information on accounts with a security freeze placed on them. Please help! 
________________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with PENTAGON FEDERAL CREDIT UNION (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The last payment on this credit card was XXXX XXXX. Pentagon Federal Credit Union is illegally re-aging the account to keep it on my report. Whenever I dispute it, they re-age it again, and are currently showing I made good payments until XXXX. That is completely false. The date of delinquency and the last activity are the same, XXXX XXXX. The amount past due is {$12000.00}. and the account begins with XXXX. I have not had a job since XXXX. I have been a XXXX XXXX XXXX and have XXXX income, therefore I have not made any payments.

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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. While living overseas my passport was stolen and several accounts were opened in my name. I disputed this information directly with the bank and credit reporting agency and my name is still associated with these fraudulent accounts. I was told by the bank to call the bank and report the account as fraudulent and that I would receive an identity theft packet in the mail/email. This was about six months ago and I never heard anything after I called. XXXX is still reporting an account from XXXX XXXX XXXX which was not opened or used by me.

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 07-03-2017 about Debt collection (Auto debt) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Co signed auto loan, person passed away, car was in her name, but I was paying loan all along. Try ed numerous times to have car put in my name so I could register and keep car. They could not help me. I try ed everything to keep this vehicle but it was not in my name. They asked for me to sell car, impossible Not in my name!! Did everything possible to have vehicle transferred to my name with not success just frustration. Could not keep paying for a car that was sitting in my yard, not registered, not being able to register and not being able to use. # XXXX. {$2900.00} # XXXX. {$1200.00}. Date as of XXXX-2004, This debt is 13 years old, should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I consolidated my federal student loans with XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX and later inquired about income based repayments and public service forgiveness programs. I was told my FFEL loans would qualify and all on time payments would count toward the PSLF. They indicated the payments and loans would be forgiven after 120 on time payments. XX/XX/XXXX I submitted my certification paperwork to begin the PSLF process. I was notified on XX/XX/XXXX my current loans were not in an eligible loan program. I would not have consolidated my loans with Great Lakes had I been told it was not an eligible loan for PSLF as my loan balance has remained as I made lower payments with the anticipation of forgiveness after 10 years. I am now being told I must consolidate my loans again with another agency and none of my past payments are qualifying. Many financial and career choices were made with the consulting I did with Great Lakes. Now my family and I are told we must start over if we wish for pay off our loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (OK).
Issue: Struggling to pay mortgage

Complaint: Hello my name is XXXX XXXX  
My OCWEN acct number is XXXX & XXXX This house I purchased XX/XX/XXXX when I was not making money but I was approved to buy a house and without any down payment or cost fee I was sold a house that also was structural damaged has foundation problems at that time as a buyer I was not protected by the law it wasnt require to bring and engineer or an inspector to approved the loan base in the condition of the house. Now that Im in the other side I want to sell it and now there is more protections for the buyers. I need help Im begging for help and I really hope I can get some help. For more then 12 yeas I have paying 2 mortgages one with 10% and the other one almost 8% I need you to help me to put it only in one loan and make it affordable to pay the mortgage we are a low income family trying to make it. Now with my wife ill Im the only income. Help us please I beg you. I really want to avoid foreclosure and ocwen doesnt work with us.

Sent from my XXXX

Sent from my XXXX

On XX/XX/XXXX, at XXXX XXXX, CFPB  wrote:

CFPB Header 

Your complaint has been sent to the company.

XX/XX/XXXX
Hello,
Thank you for your complaint XXXX about OCWEN. We've sent your complaint to the company for their response.
We will let you know when the company responds. The response should include the steps they took, or will take, in response to your complaint.
You should receive a status update within the next 15 days.
The complaint process involves 6 steps. Step 1 is complaint submitted. Step 2 is review and route. Step 3 is company review and response. Step 4 is complaint closed and published. Step 5 is consumer reviews response. Step 6 is analyze and report. Step 2: Review and Route is currently selected.
Summary of your complaint
Complaint number: XXXX
Date submitted to CFPB: XX/XX/XXXX
Date sent to company: XX/XX/XXXX
Product: Mortgage
Issue: Struggling to pay mortgage

What happens next?
Here's what will happen during the next 15 to 60 days:
The company has 15 days to respond and up to 60 days to provide a final response.
You can keep up to date by logging in to your Consumer Portal at https://portal.consumerfinance.gov/consumer or calling us at (XXXX) XXXX.

Thank you,
Consumer Financial Protection Bureau
consumerfinance.gov
(XXXX) XXXX XXXX XXXX
More about our complaint process: consumerfinance.gov/complaint/ or call (XXXX) XXXX
For legal assistance visit the Legal Services Corporation website: lsc.gov
Additional financial information and resources: consumerfinance.gov

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: XX/XX/XXXX I signed up for XXXX, a Tutoring web to offer me as math tutor.

XX/XX/XXXXI received a Lesson Request from XXXX XXXX  for his daughter XXXX. We scheduled the lesson Wednesday and Fridays in the XXXX XXXX XXXX XXXXUSD /Hr. He said he was going to send a XXXX  check for XXXX USD. OF those funds XXXX  were for me as per four weeks of lessons in advance plus XXXX to cover the inconvenience. The rest, I was supposed to give it to the childcare/ caregiver.

XX/XX/XXXX I received the check. Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone : ( XXXX ) XXXX. Check No : XXXX. Account : XXXX. XXXX XXXX XXXX.

The XXXX  details are Origin ID XXXX XXXX XXXX  ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX  NY, XXXX. XXXX   Tracking XXXX XXXX XXXX XXXXXX/XX/XXXX I deposited the check online in my Bank of America account.

XX/XX/XXXX Funds were available. As per XXXX XXXX   instructions I made 2 transfers of XXXX and XXXX   to the Account # XXXX  of XXXX XXXX XXXX.XX/XX/XXXXBank of America bounced the Check No : XXXX According to the website wasXX/XX/XXXX but I checked the statement that day and it was not bounced.

XX/XX/XXXX I check my statement and see the scam. Immediately call Bank Of America. After waiting 30 minutes, went to the XXXX XXXX XXXX XXXX XXXX   FL XXXX  Branch. They said they advanced the funds without clearing the check in good will and that was my responsibility. They say they could not give any details of Account # XXXX  of XXXX XXXX XXXX. They say they could not give me any affidavit of the claim. They just let me use the phone to call the fraud department that bounced me to 2 more departments.

I went to the police.

As per Bank of America, they failed to take note of my claim that they hold the Account # XXXX of XXXX XXXX XXXX  which is the recipient to USD XXXX scammed to me and that is going to affect my credit record but also Bank of Americas reputation.

Again, if the impossibility to trace a scam is the argument on which they have the policy of doing nothing ; I have a real name, a real account in a reputed institution that should be investigated as a mean to repair damage to honest citizens and prevent future crimes.

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 04/18/2017 about Consumer Loan (Installment loan) with ACE CASH EXPRESS, INC. (CA).
Issue: Taking out the loan or lease

Complaint: I tried to get a loan fr om Ace Cash Express a nd was told I had to give {$200.00} to start the loan process, and I gave it, then I was t old I needed to give {$400.00} for insurance purposes because I have poor credit, and to send it to a person located in the bank department, and I did along with {$25.00} for  XXXX , they got it a man named  XXXX   XXXX  was in charge, and he received it, now we are talking {$620.00} before I even get the loan. Now  XXXX   XXXX  says he wants another {$470.00} for a sponsor because of my poor credit!! I refused and said I just want my {$620.00} back and forget the loan ( this has been going on  for 5 w eeks now ) and now the chase is on for my money back,  XXXX   XXXX  has not answered my repeated phone calls and texts all I want is my {$620.00} back please help me thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: On XX/XX/2017 i needed a jump start and decided to use Roadside assistance offered by Capitol One as one of my card benefits. I called Capital One and they verified my information, told me yes it was a benefit and transferred me to Master card. Again the agent verified my info and sent me to Roadside assistance. The toll truck arrives and to my surprise tells me i need to pay them because they are an independent contractor. I called Capital one and was told yes i will be reimbursed, so i used my debit card. Next day I called Capital one and for 3 hours i was on the phone with 3 managers. Each of them called Master card and over and over we are transferred to Roadside who confirms that no they have nothing to do with Capital one nor MasterCard. They just get a call and get on the road. After that the managers from Capital one drop the call and disappear. I call again and get another one. same thing. When i called Master card directly, I was told that i need to be connected to them by someone from Capital one. Each time i try, they drop the call after telling me that Master Card is responsible for the reimbursement. 
I 'm out {$70.00} and i need my money back. Also it would be helpful to other consumers if Capital one could stop advertising Roadside assistance as a benefit if it 's not

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Bank account or service (Savings account) with TD BANK US HOLDING COMPANY (MA).
Issue: Deposits and withdrawals

Complaint: I have a savings acct with TD bank since last year my average balance has been XXXXOn XX/XX/XXXX I went to the drive up part and withdrew {$480.00} from my savings accountOn XXXX XXXX th I received letter from XXXX stating my accounts were being leviedI have received three letters from TD saying I owe them the {$480.00} because they sent {$480.00} to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Debt collection (I do not know) with Convergent Resources, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have disputed this as fraud with company that appears on credit report. The debt keeps reappearing under another company with same amount

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 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN HONDA FINANCE CORP (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I informed XXXX of an issue in which the individual granted POA abused it by opening numerous accounts and failing to return a vehicle under the XXXX. After speaking with the company and coming to an agreement that upon paying a balance they would remove the negative content since it was caused by someone other than myself. I informed them they failed to retrieve the vehicle over 6 months after being notified by myself that this individual still had it in their possession. I accepted some financial responsibility because I should have trusted someone more responsible. Nevertheless, I made the payment to XXXX and instead of removing the derogatory information, they sent me the attached notice saying the account was settled in full and then reported it to all credit agencies as settled for less than the amount. They went back on their word and because I put my trust in them I was not able to go on my military XXXX and my security clearance remains at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Vehicle loan or lease (Loan) with OpenRoad Lending (FL).
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint: I am financing a car with XXXX XXXX. In the title of my car is my cousin too who absolutly does not mind in provide a Gift Letter to allow another lender finance my car and leave me alone.
Last week I had my credit around XXXX. XXXX showed me 3 options to refinance my car. Then I have chosen OpenRoad. I followed the link and I submited what they requested me. Then I got a phone number sugesting me to speak with a representant.
I spoke with the representant and they told me they can not do nothing if my cousing is in the title and I have to remove him from the title first. Offcourse I do not know nothing about it and I asked them if they had any idea how to do so. They do not know as she said.
Ok. I came home and I decided to go on sunday to XXXX, where I discovered that they run my credit on saturday. Offcourse my credit droped down and I could buy the XXXX eider.
On monday I received a letter from OpenRoad. Please find it attached. They said I am approved and I should call them again. then the same problem came. I spoke with every possible manager in that company and I sent them several emails. They do not care.
As I know they run my credit asking to 4 banks.
If you need anything from me please let me know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: Please be advised on XXXX XXXX, 2017 Equifax generated a dispute investigation result which holds a negative account with XXXX XXXX on my credit report and I have NEVER held an account with XXXX XXXX. I have called XXXX XXXX twice and it has been verified that I hold no record with XXXX XXXX. There is nothing in XXXX XXXX XXXX file with my social security number nor my name based on the information I received from XXXX XXXX directly. EQUIFAX sent me a file dated XXXX XXXX, 2017 stating that XXXX XXXX " verified this item is being reported correctly. This is my third dispute on this matter. At this point I not only want this removed from my credit report but I I also want to know what punitive damages are available to me and how I can move forward.
Either XXXX XXXX is violating federal law right now by verifying false information. Or EQUIFAX is violating federal law by conducting false investigations and fraudulent reports. I strongly believe that Equifax did not conduct an investigation on the matter at all.
I am also contacting the Attorney General 's office concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX, Equifax, and XXXX all show a bankruptcy on my credit report. This information was obtained by a third party. The bankruptcy court verified with me that they do not report to the credit bureaus. This information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: My bank citibank has refused to release XXXX that was only held for incidentals that XXXX per night at hotel I had stayed at and checked out many days ago should had funds released by now.. This is very damaging to my credit line as I need back as use this card for business travel

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I checked my credit XXXX XXXX score and my XXXX is showing 6 hard pulls that I do not recognize.XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX were XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX were pulled XX/XX/XXXX. I alerted XXXX and set a 90 day fraud check on my accounts so hopefully that deters any identity thief from trying to take out any more credit. If I could get assistance in this, it would be great.

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 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX LAKESIDE PL XXXX CA XXXX SSN : XXXX XXXX XXXX. Box XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, you are required by federal law to verify-through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately Name of Account XXXX XXXX XXXX Provide Physical Verification Creditor 1 XXXX C/O XXXX XXXX XXXX UNKOWN XXXX XXXX  XXXX XXXX, SC 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 01/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: When I switched to XXXX from XXXX I was not told that they are an affiliate of them, I was n't told that I would have to pay the final bill in order to get service. I was only told that I could n't get a free phone because I switched from XXXX. They stated that when ypu sign up with them they pay your last bill from whatever company you come from. I was sent mail from XXXX for the amount of the bill and it has then been sent to diversified solutions for collections. They call at least three times everyday

Company response to consumer: Closed with explanation