milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/30/2015 about Debt collection (Medical) with Financial Corporation of America (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I paid the account with the XXXX XXXX they are collecting for. When I spoke to a lady named XXXX she advised she would send an email stating that the debt had been paid and would be removed from my credit report ( I am buying a home ), when I did not receive the email I spoke to her supervisor, XXXX and he advised he could not remove the debt. I told him that was a lie because she told they could and I have had a previous medical collection with XXXX that was removed once paid. He lied and said that could not be done, even after I know for a fact it can and his collector told me it would as well. I need this removed ASAP for my credit report as promised by the collector named XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA).
Issue: Fraud or scam

Complaint: Replied to ad on XXXX, was rental home from my home town in XXXX SC, I wanted to rent it for my Daughter and grandson, was asked by Email and Text by XXXX XXXX XXXX to send half the Deposit and XXXX Months rent to XXXX XXXX in XXXX, Arkansas zip XXXX, his personal assistant, I did this, then he said his attorney said he had to get all of it before sending keys, I explained would not send all of it ... the agreement was he would send keys and as soon as my daugther received the keys and they fit the door I would immediately send him the full amt. Then he says his attorney said he can keep money until he has the place rented. I told XXXX that I would be contacting everyone including the police in XXXX Arkansas to return my money ASAP I wired {$770.00} to XXXX XXXX in XXXX Arkansas on XXXX reference # XXXX through money Gram at Walmart. It was sent from XXXX in XXXX Ga XXXX. I have all the Emails and Texts to me and my daughter Thank you for your time and help

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: Violated HIPPA la w on a debt that is not mine. They keep selling my information to different collection agencies after credit agencies delete them. They hindering my score to buy a house for my family and I. I do n't have a contract with them. There is no way they are validating a debt from a company that is not real.

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 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There has been several hard inquires that I did not authorize and they refuse to validate the applications and remove if no application for credit is verified. 


XXXX XXXX Date Filed XXXX/XXXX/XXXX Type XXXX Phone Number MAIL ONLY Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type All Banks Phone Number MAIL ONLY Address XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Personal Loans Cos. 
Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Filed XXXX/XXXX/XXXX Type Miscellaneous Reptg. Agencies Phone Number Address

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Mortgage (Conventional fixed mortgage) with BANCO SANTANDER PUERTO RICO (PR).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/2015 I start a Loss Mitigation process with Banco Santander in Puerto Rico. 
This process Get complicated because of a Health condition that happen To me and after that My divorce. 
I keep contacting and providing a complete package For Loss Mitigation throught a representative while I was sick and thereafter contacting The Bank. 
This week a person from The court leave a Foreclousure note with My neighbors violating My privacy rights, and they, My neighbors turned that To me when I Came back Home How is that possible, that I asked For Help and now what THEY did was " spread My confidential information without giving me an opportunity and in violation of The fue process Please I need Inmediate Help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/2016 & XX/XX/2016 there was at least 12 inquiries from a vehicle loan that I didnt authorize. I have followed up with XXXX and EQIFAX and even placed an identify fraud alert on my account. I also stated to them that my drivers license were duplicated at my local dmv. I had a fraud placed on my account at that time as well.Im only asking to remove the inquiries from my credit report in the month of XX/XX/XXXX and XX/XX/2016. With those inquiries on my credit report it is making it difficult to obtain credit. There is probably a total of 12 inquiries in those months. Please investigate and properly remove from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Debt collection (I do not know) with National Credit Systems,Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This collection has been on my credit report I do not know what it is for and have asked not less than 12 times for validation of debt and to have it removed from my credit report. To date I have never received a debt validation from this company nor has it been removed from my credit report. They constantly update this collection every month harming my credit for a debt I have no idea what it is for.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled the personal data of myself and millions of other American citizens, allowing personal information to get into the hands of malicious hackers. Their gross negligence and inability to secure my information has put myself, my family, and my finances in immediate danger. Their insistence that consumers relinquish their legal rights in order to find out if we 've been affected is ludicrous and proves that they care far more about their own personal security than the consumers they claim to serve. Their requirement to pay a fee in order to freeze credit accounts that have been affected in order to profit off of their own mistakes is nothing more than racketeering. The multiple executives who sold off millions of dollars worth of stock just days after the attack should be imprisoned for insider trading.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax is not releasing my report and score due to a fraud issue. I have called to verbally verify my identity and they stated it should be released which it is still not. This has been an ongoing issue for a while. I was told to go the the EF site and pull the report and I am still unable too. They refused to even mail me a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Other

Complaint: I submitted a Credit Dispute directly to chase, as permitted in the FCRA. My dispute was that I am an authorized user on my fianc 's Sapphire Card, and they are reporting that on my credit. My dispute was to have them STOP reporting this line of credit to XXXX, XXXX, and XXXX as I am ONLY an authorized user and not liable for the debt. The dispute was sent to Chase XXXX/XXXX/2016 through their online secure message center. Their terms and conditions and card member agreement to not specific an address or location to submit a credit dispute to, so as such, I submitted through this channel. On XXXX/XXXX/2016, Chase acknowledge my message. The correspondence to Chase through their message center will be attached to the case file. 

As of today, XXXX/XXXX/2016, I have not received a notice of determination as required in the FCRA. They have did not need an extension of 15 days, even so, they would still have failed to provide a required notice regardless of the outcome of my dispute within 45 days. Furthermore, as it was not deemed irrelevant or frivolous, Chase provided no notice of such within 5 days as required by the FCRA. 

Chase is now willfully in violation of the FCRA. As permitted, I request them to honor my dispute to stop reporting me to the credit bureau as an authorized user. Also, I demand a payment of {$1000.00} for Statutory Damages for their willful violation. Should Chase not do so, I will seek litigation for this matter. I will seek {$1000.00} for their willful violation in addition to damages for their negligent violation as they failed to abide by their obligations under the FCRA. 

This is a blatant violation of consumer rights and is unacceptable. ( Though my documents are scanned .PDFs, the dispute with my ID/Credit Card were sent in COLOR removing an legibility issues. ) Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (PA).
Issue: Taking out the loan or lease

Complaint: I got a loan was suppose to be XXXX for a XXXX durango I gave the dealer XXXX vechicles XXXX grand prix and XXXX ford explorer XXXX down and payments of XXXX they tricked me to get the loan they said they had to raise it to get financed. The engine light was on at the time they fixed the car XXXX times but the light always came right back on the same day. My car has never passed inspection because of this. I spoke to them because i have never driven the car far because of this problem..I have tried everything to get this fixed i have been paying on a note for a car that i can only use in the neighborhood. I went to them today for help again i explained yall ripped me off and i need a car know to get around further. I am willing to compromise but I want to sue they used me and it is ally financial. I received a settlement letter in the mail a week ago about a class action suit. I am not the only one going thru this. Please help me. 

Thank youXXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Mar Joe Enterprises (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is not my debt and I would aporeciate CBC stop placing inquiries on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MA).
Issue: Problems when you are unable to pay

Complaint: Read in the article the Santander auto loans is beign suit by the government for charging high interested rates to consumer and lie to investor that consumer is willing to pay for the loan

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Debt collection (Other debt) with Fidelity National Information Services, Inc. (FNIS) (GA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Received a call from " XXXX XXXX '' licensed process server of " XXXX  ''. According to a quick internet search, XXXX XXXX   impersonates himself as a " licensed process server '' of XXXX   XXXX, AZ and XXXX XXXX, GA while having offices located in " New York ''. XXXX XXXX refused to send a debt validation letter via US Mail and instead tried to send one via e-mail, which was simply typed up in Microsoft Word. XXXX XXXX claimed that I would be sued immediately if I did not comply and could face arrest and garnishment of wages for a {$190.00} debt that was from three bad checks, which I did not personally write. I explained to XXXX XXXX that I was not the person who wrote the checks and he subsequently told me that Certegy and their clients would not lose the money on this debt, and whether I wrote them or not, since I was the account owner, I would need to pay for the debt or face a lawsuit and that I should seek legal avenues to get reimbursement for the individual who defrauded me - although that individual is a drug addict and is transient.

XXXX XXXX   would not disclose his company address. He called me in XXXX telling me that I would be served the next day if I did not comply and no one ever showed up to my address. Two months later on XX/XX/XXXX I received another call telling me that I would be served again unless I paid the debt and that he could not work with me and would provide no information to me.

Apparently XXXX XXXX of XXXX also goes by the name 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 08-12-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hi, There is a state tax lien on my credit report that does not belong to me. It belongs to my father XXXX XXXX XXXX. I am XXXX XXXX I used a credit repair company they sent XXXX letters and still wo n't remove it. They told me to contact you to have it done. My social secuity number is XXXX date of birth XX/XX/XXXX. I am trying to have it taken off of my credit report it is holding down my score as I am also trying to purchase a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX 's XXXX XXXX will remain on credit report as a debt written off by company in 2011. A recovery company can not assume a written off debt. They must remove their company from my credit report, due misrepresentation of written off debt by another company. Plus there has been no billing in XXXX plus years from either company. I had unemployment insurance that was suppose to cover all debt. XXXX did not honor, they just applied what I had paid unto bill. I will not assume a debt that has been written off and Transunion should remove this company & Transunion can not change the status of the original write off to assumed debt by portfolio. XXXX can not write it off getting credit from the government for bad debt. They can not sell off zero balances. I will join a class action filing if this is not remedied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Billing disputes

Complaint: On XXXX/XXXX/XXXX we purchased a refrigerator and dishwasher at XXXX XXXX in XXXX, PA. The purchase price was {$2700.00}. We financed the purchase with brandsourcecard.com based on the dealer 's recommendation. The promotional financing was 12 months no interest with payments required. The promotional expiration date is XXXX/XXXX/XXXX. We are making payments. The merchandise was very late being delivered. The refrigerator ( the bulk of the purchase price ) was n't delivered until XXXX/XXXX/XXXX. I called XXXX and asked them to correct the interest start date to XXXX/XXXX/XXXX and the promotional expiration date to XXXX/XXXX/XXXX but they refused to make these changes. I would like those changes to be made because it is unfair to penalize us for the dealer 's XXXX delay in delivery. I would add that the dealer never communicated with us about the delay until we reached out to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : I sent disputes to Experian XXXX. XXXX XXXX XXXX, TX XXXX on XXXX/XXXX/2016. The investigation was not sent to me 1. The information is incorrect for the following account XXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. The information is incorrect for the following account. This account has been paid-in-full XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The information is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. The information is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit 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 12-08-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (AZ).
Issue: Settlement process and costs

Complaint: Long Mortgage, A division of XXXX XXXX originally wrote my Mortgage loan and I specifically asked if I could make partial payments on the loan or bi-weekly payments and was assured that I could and such payments would be applied immediately and per the instructions I written on the check or in the notes. Essentially allowing me to pay down the mortgage faster and with less interest being paid overall overtime. Based on The answers that were affirmative I agreed to the loan. My credit score is excellent ( XXXX ), I put done a hefty down payment of {$400000.00} on a {$650000.00} home taking a loan for only {$250000.00} ), and the timing of my loan such that I got a XXXX 30 year fixed loan. 
Subsequently, ( In XXXX specifically, my loan was sold to JP Morgan Chase Bank , NA and I was told that partial payments would be sent back to me unprocessed and that only full payments would be accepted and per the terms of the loan ( principal & interest ). I immediately contacted them via their call center ( XXXX/XXXX/2015 ) and escalated my issues to a senior manager. I was told that my only choice was to cancel the loan. At this point I am in my new house ( it was a new Single family home purchase ) and the rate would not be as favorable on a 30 year fixed. Also we are amid boxes and finding all the documents and starting the entire process which took 45 days and more to complete is not in my favor. 
I finally got an option of going back to the original lender 's back office and having them submit ( in writing ) an amendment stating those terms on my loan and having them send it to Chase Bank. I has now been 2 weeks and I have had no definitive response. I am concerned that my time to change or make a decision will run out. How or waht can I do to insure that I come out whole in this fiasco? 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I called the XXXX XXXX Bank and I told them someone open fraud account under my name. I also told them that I have fraud alert on my name company called me. The presonnal that I was speaking to told me that they do n't call. I think that was their fault and i think should be deleted completed. ( that is not me ) Also i have others inquiries under my nameXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Consumer Loan (Vehicle loan) with Berco Finance Corp (OR).
Issue: Problems when you are unable to pay

Complaint: I went to XXXX XXXX XXXX and they sold me a car that supposedly was part of a special program that they offer. They told me not to worry about the payment amount and hat the car would have negative equity. that the a was like a loaner car to help us reestablish our credit. we paid for a year and we went back they said that the program that I was talking about does not exist and that the finance manager that helped us is no longer there. If I wanted to trade the vehicle I would have to ay {$6000.00}. we left I called the finance company telling that what had happened and they said sorry so I told them that I do not want he car and for them to come pick it up. 2 months past and on XXXX XXXX I checked my personal bank account the finance company Auto acceptance in XXXX OR took XXXX unauthorized payment form my account. The reason why they have my account information is because I made a one time debit cad payment 3 months ago. They were never authorized to keep my bank information and I never signed anything stating for them to keep my bank information on file. I also checked the car contract and there is nothing stating that they can do anything like what they did and what they did is raud and stole money from me

Company response to consumer: Untimely response
Consumer complaint received 10-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

Regards

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation