milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was a victim of identity theft. On or around XXXX XXXX. Someone used my identity to purchase 2 Iphones and a XXXX account. The address they used was XXXX XXXX XXXX, XXXX XXXX MN XXXX. This address is now appearing on my credit reports. I testify that I have never lived at this address and want it removed. Police reports have been filed. I have also begun the process of disputing the claim with XXXX. A Fraud hold has been placed on my credit reports with all major credit reporting companies. I was also a victim of the Equifax breach.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Bank account or service (Checking account) with U.S. BANCORP (MO).
Issue: Deposits and withdrawals

Complaint: U.S. Bank debited my account incorrectly for someone else 's check. It was not caught until I reviewed my bank statement XXXX days later. This is at least the XXXX time this has happened in the last few years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: A social security number variation is showing on my Experian Report. It is not my social security number nor any that I have ever used. Because it is not mine I am not legally allowed to view the report.  It may be ne gative and I do not want it showing on my credit report indicating to creditors that it is an alternative that I have used. I do not have knowledge of this social security number and dispute its use in association to 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 07/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Statebridge Company (MS).
Issue: Loan modification,collection,foreclosure

Complaint: I was under bankruptcy because my mortgage was XXXX $ so I was contacted by XXXX XXXX XXXX XXXX and they work with preferred law, this was in XXXX 2015 so we started a packet they asked me to fill out documents send them back and they said my file will go to my lender and a negotiator and that it will take 10-15 days we 'll they been asking for the same info for six months they collected over XXXX, they claimed my insurance was escrowed Ave it never was, the switched all my contact info to them so I could n't contact my lender not could they contact me, they had me stop my bankruptcy, and also told me not to send any money to my mortgage, I 've asked over and over for proof and results since it 's been over 6 months or to give me a refund they did n't try to resolve it nor when I kept asking for proof and asking questions they ignored it they said they closed my case and I probly ca n't get a refund because of all the so called work they did, ask they have done was have my old mortgage servicing company send them my mortgage note, I at my own expense sent all required documents called my lawyer and did most of the fit work, I did alot if work on my end they ca n't show me proof of anything but asked for more money they said the {$3900.00} was for ask the work they done and that the extra money is for continuing my case well that 's what the letter I got says they have a retainer agreement that says that amount of extra money is for something else and i was verbally told the money is for them and then getting needed info I 've caught them in so many lies and nothing ads up all I isa refund so my child can have XXXX there 's so many discrepancies i ca n't think of them all to note but I can say this they have complaints with the XXXX even on there own XXXX page under preferred law they have complaints I 'm trying to do ask that 's possible get my money back and try to get a real modification, I have a new mortgage servicer which I never knew about I accidently going found out about then when I got insurance I 've tried contacting them with no luck because preferred law had it so I ca n't. I was trying to get a modification through XXXX XXXX and they denied me, note I 'm going to try state bridge but they will not return my calls it looks as if I 'm going to lose my home and I do n't even know if I 'm in foreclosure because I have no contact with them they 're not rerunning my calls

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Vehicle loan or lease (Lease) with JPMORGAN CHASE & CO. (KS).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: In XX/XX/XXXX, I leased a XXXX XXXX for my daughter. All payments were made on time. I received the paperwork for the end of lease along with the amount I needed to pay for the residual and the sales tax. I sent my check to them along with the requested paperwork on XX/XX/XXXX and they cashed my check on XX/XX/XXXX. To date I have not received a title. Many phone calls resulted in being told everything is in order and I would get the title soon. On XX/XX/XXXX I was told the title would be mailed on XX/XX/XXXX. Still no title. On XX/XX/XXXX, I called again and was told they would have to order a duplicate title from the state of Kansas. Today, I called the Kansas Department of Motor Vehicles in XXXX, KS and was told that JP Morgan Chase ( dba XXXX XXXX ) had never send a " release of Lien '' document, so no title had been issued. In Kansas, the title is electronic for a lease or lien and is only issued after the lease is ended or the lien is paid off.
There is no good reason, save for incompetence, why I have not received the title to the car I have fully paid for. A very nice lady, XXXX XXXX, said she would help me on XX/XX/XXXX. To date she has not called me back nor does she answer her phone messages. What do I have to do to get the title for the car?

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Payday loan () with Enova International, Inc. (VA).
Issue: Charged fees or interest I didn't expect

Complaint: XXXX The complaint is in reference to the case number listed above. I tried to respond but I could not respond using the website. Yes, I did file bankruptcy but the creditor remains on my credit report. This is not resolved. I had not been informed of the 99 % interest rate on the loan. I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was unable to retrieve my credit report due to questions not pertaining to myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/21/2016 about Consumer Loan (Vehicle loan) with NCB MANAGEMENT SERVICES INC (AZ).
Issue: Managing the loan or lease

Complaint: I bought a car XX/XX/XXXX. By XX/XX/XXXX same month. Car was totalled out. Insurance paid XXXX. In full. They even took XXXX from my service contract. In which I was suppose d to get all of that. They told insurance company car paid off. I have all insurance paperwork. It was never on my credit report until XX/XX/XXXX. 3 years later. They have turned collection over to ncb management services and they say I owe XXXX. Bull. They were paid in full. I do t owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Settlement process and costs

Complaint: I have had an offer on my house that is the amount Wells Fargo set as the purchase amount. That was XXXX months ago. They keep stalling and asking for the same paperwork over and over again. Why, I cant take care of the property any longer and am moving out as we speak. I would not be surprised if the potential new owners walk.Not my problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I noticed some inconsistencies on my credit report : 1. XXXX XXXX XXXX - Account # XXXX 2. XXXX. - Account # XXXX I did dispute them XXXX XXXX, 2016 USPS XXXX XXXX. Response = Verified XXXX XXXX, 2016 USPS # XXXX. Response = Verified XXXX XXXX XXXX, 2016 USPS # XXXX. I sent a request for their Method of Verification. 

They did not respond at all. 

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you MUST provide me a description of the procedure used to determine the accuracy and completeness of the information. 
They did not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I just received this report from Experian after the last dispute you processed. Before you send it off to Experian, maybe what I am being told by XXXX and XXXX is false, they deleted after last payment was made XXXX years ago? 
This XXXX account was scheduled to be removed and was by both of the other XXXX bureaus. The last payment was just over 7.5 years ago. Experian, they " verified '' it but still leave it on. Experian pay history is correct, last payment was XXXX 2008. What tools or laws do I have to enforce them to delete this XXXX account? Maybe they do n't understand what they are doing? XXXX and XXXX have put in a solid effort to correct my report, Experian, well see for yourself. If want to bother them again, it 's appreciated. I just wish there was a system that we could fine them for not doing their job, like {$500.00} for each violation, just enough to get their attention.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit card or prepaid card (General-purpose prepaid card) with INCOMM HOLDINGS INC. (MS).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint: On XX/XX/XXXX I purchased several XXXX prepaid XXXX gift cards from XXXX 's XXXX. Later that day I discovered I lost a card. I called the card customer service number ( XXXX XXXX ). At that time the representative issued a case number and asked me to send copies of the receipt and my driver 's license. I sent the requested information that day. The representative told me they would cancel the lost card and send me a replacement card. 

On XX/XX/XXXX, I discovered that I had the lost card that I originally reported as lost, but I had actually lost a different card. Again, I called customer service. They issued another case number and requested I send them a copy of the receipt and my driver 's license. I did that. 

I have called several times since I reported the lost cards, since I have not received them. Their customer service personnel have been unable to cancel the cards that were mailed to me or mail replacement cards. 

Each card had {$500.00} loaded to them. Again, there are two cards at issue. 

The case numbers : XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Macy 's w ebsite showed the balance owed and I paid that balance. I requested that my credit card be closed.     I continued to be on their email list for sales but just ignored the mails then I get a call a few months later saying that somehow when I closed my account they billed me another dollar so I had a few months of fees ( each month a few more dollars to be paid ). I did not think this was correct but the representative assured me that if I paid the  XXXX  the account would be  XXXX  balance. He processed the payment and then the next month I see again they are charging me another fee.     When I complained over their website portal they said I 'd have to call another part of their company to take care of it. When I explained that I would make a legal complaint against their company they replied that they were sorry and " Our record indicates that your account was closed on  XXXX / XXXX / XXXX , as you requested. As of today,  XXXX / XXXX / XXXX , you have a zero balance. '' Now I get an email and it has a balance due for  XXXX  of {$2.00}! How many people are they doing this to?

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 monetary relief
Consumer complaint received 09/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion had a computer glitch and removed all of my inquires and a week later put them back on, with out informing me. By law they only have 5 days to inform me and since they did not they broke the law.

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 01-05-2018 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (DC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: have been calling for months in 2017 each day 2-3 times per day. 
It is a scam as I do not have any debts. 

Transworld systems asking us to call a XXXX XXXX ' at XXXX for a case number. We are not calling as we do not want to encourage this scam. 

Transworld Systems needs to take our number out of their system. We are unable to find out how to do this. It is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Debt collection (Credit card) with Global Asset Management Group, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX I was called by a man named XXXX XXXX from a debt collection agency named GF group stating that I was going ti be sued by XXXX XXXX bank for a debt of {$1200.00} and I can settle this debt by paying {$25.00} on XXXX/XXXX/15 and then {$480.00} on XXXX/XXXX/15 He haf said that by XX/XX/XXXX it will appear on my credit as PAID IN FULL he did send me an agreement letter via my email : XXXXXXXXXXXX which I do have. After checking my credit report I still do not see this on my credit and it is also a different amount I owe. I have called him numerous times and he says it takes anywhere from 20-30 business days.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: Have not investigated the accounts nor removed accounts that I listed as a result of identity theft

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 09-08-2015 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: thank you for taking the time to review my complaint. I submitted a complaint prior to this XXXX. The complaint number is XXXX. As I stated in my complaint, I was able to get more information that helped but I have a many problems dealing with Shellpoint, please allow me to explain further. 
On XX/XX/XXXX I had an appointment with my housing counselor XXXX XXXX at the XXXX ( XXXX ), we were discussing the issues with my mortgage and that Shellpoint was asking me to complete hardship paperwork. I explained to XXXX XXXX that I do not want to complete the paperwork because I have submitted the paperwork to them before and my income and resources have not changed drastically, also they are asking for too much information, and at this point I just do not trust Shellpoint at all. XXXX XXXX did explain that it is customary for most Lenders or Servicers to have borrowers complete the Hardship Affidavitt. I told her I understood that but I am not completing the application, my issue is more of a complaint than a hardship. We placed a call to Shellpoint and spoke with a Rep by the name of XXXX XXXX at ext. XXXX. I explained that I am aware that I am behind and I would like to get on a repayment plan and also have the automatic payments of XXXX set up on my account cancelled until I get caught up. There was a requirement of a pymt of XXXX to put down but I explained that I did not have the extra XXXX to put down and could the previous pymt of XXXX be used? XXXX XXXX explained that he could not use that payment but did agree to forgo the XXXX and he would call me on the XXXX of XXXX for the XXXX. We set up a repayment of XXXX for XXXX, XXXX and XXXX and XXXX XXXX was supposed to call me back on XXXX XXXX to take the XXXX payment for XXXX. I did not receive the phone nor did Shellpoint cancel the automatic deduction on the account. 
The other issue I am having is that the insurance that is on my loans with Shellpoint seem to overlap. The Master policy number is : XXXX. This policy covers loan numbers : XXXX, with effective dates of XXXX and loan XXXX with effective dates of XXXX. As you can see there is an overlap or it appears that there is XXXX policies on only XXXX loans. Please help me in sorting this out. All I want is to get back current on my loans and apply for my own homeowners insurance to get back on track and have the payments back at the modified amounts of XXXX and XXXX. I have attached the home insurance policy information for your review. As far as the conversation on XX/XX/XXXX with XXXX XXXX, my housing counselor documented the conversation. You can reach XXXX XXXX at XXXXXXXXXXXX or XXXX, XXXX. Thank you for taking the time to review my complaint, I look forward to hearing from you soon. 
PLEASE NOTE : I will have to fax the policy information, my scanner did not work. 
Sincerely, XXXX 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 11-02-2015 about Bank account or service ((CD) Certificate of deposit) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: On at least XXXX previous occasions, I request Scottrade cease and desist communicating with me via email and other methods of communication, citing State Unsolicited Email Law, and Federal Debt Collection Practices, yet Scottrade has failed to acknowledge these email and has sent me another email, in violation of numerous State and Federal statutes.

Company response to consumer: Closed
Consumer complaint received 04-02-2016 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I recently obtained my consumer credit file and discovered SANTANDER CONSUMER USA, INC is reporting an alleged debt as a CHARGE OFF. Accordingly my records reflect SANTANDER CONSUMER USA, INC is not a known creditor of mine and I have not applied for, neither received any services or credit from this particular agency. SANTANDER CONSUMER USA, INC has not communicated with me to verify or validate any debt that I allegedly owe to them as of XXXX/XXXX/XXXX. Therefore I have respectfully demanded verification and or validation of any alleged debt pursuant to 15 USC1692g, 15 USC1681, and ORC 1345.01 respectively on XXXX XXXX, XXXX and XXXX XXXX, XXXX light of the foregoing SANTANDER CONSUMER USA, INC is demanded to please provide the alleged original genuine executed agreement that memorializes the transaction between SANTANDER CONSUMER USA, INC and Myself that supports SANTANDER CONSUMER USA, INC alleged creditor status.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Settlement process and costs

Complaint: FAILED TO PROVIDE PROOF OF CLAIM : ORIGINAL PROMISSORY NOTE WITH SIGNATURES. Please provide me with the documents I have requested and a detailed answer to each of my questions within the required lawful time frame. Upon receipt of the documents and answers, an exam and audit will be conducted that may lead to a further document request and answers to questions under an additional QWR letter. PLEASE ENSURE THAT ALL RESPONSES ARE IDENTIFIED AND REFRENCED FOR EACH ITEM and/or POINT OF REPRESENTMENT OF FACT. 

Copies of this Qualified Written Request, Validation of Debt, TlLA and request for accounting and legal records, Dispute of Debt letter are being sent to FTC, HUD, Thrift Supervision, all relevant state and federal regulators ; and other consumer advocates ; and my Congressman within 30 days. 


It is my sincere hope that you answer this RESPA REQUEST in accordance with law and the questions, documents and validation of debt to the " XXXX '' are correct and any abuse ( s ) or scheme ( s ) uncovered and thoroughly documented.

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 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: I receive a letter from CITI stating that I had enrolled in Credit Protection ... which I NEVER ENROLL!! ... ..I never gave any one my concent to do so ... ..this is robbery on their part .... reference number ... 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