milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/20/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have submitted a few different disputes to Equifax. They have not been able to accurately portray the information on my credit report. They do not have the proper credit limit for most of my cards. They are months out of date. In one instance, they deleted my credit card instead of accurately reporting the balance. Also. my husband has added me to some of his credit card accounts and they have not yet added this to my credit score/report. I have also had a medical debt collection paid and agreed to be deleted from the Equifax report. I have tried and tried to fix it, I have tried with the lending companies and with the credit bureau. This is hurting my finances and my credit health because they are not accurately reporting, it makes my usage percent look higher and my credit limits look lower and it makes my credit age look younger than it is. This in turn effects my score and my score effects my interest rates and amounts I can borrow. This is a vicious cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (Other debt) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: In  two pre vious complaints, Santanderconsumerusa has refused to cooperate with the CFPB investigation. They have issued statement, purportedly in response, that blatantly and illegally defy the authority of the CFPB and the government of the United States of America by making nonsensical, false and irrelevant statements regarding the account in question instead of responding as required by law.

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 EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of identity theft. I have faxed in my police report and they removed inquiries but some was n't removed and also allowing somebody to keep running my credit causing me to get more hard inquiries on my Credit Report.     The dates listed below are inquiries that needs to be deleted and I also requested nothing be ran on my report without my consent.      XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  -   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2017 about Debt collection (Auto) with FC HoldCo LLC (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Flagship Credit acceptance, XXXX XXXX, left a message on my phone for one of my employees threatening to take legal action through our Judge Advocate General 's Office. I am under the impression that creditors are not allowed to contact an employer to discuss a loan or to make threats of legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Debt collection (I do not know) with Allied Interstate LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Allied Interstate called my number but did n't leave a message. I looked them up on the Internet and found out who they are. I have just completed a line of credit and a new car loan and my credit scores are excellent. No one has submitted my name for collection. I put them on block on my phone because they were calling four times a day. It will ring once and then hang up on them. They have been calling for weeksXXXX four calls a day. This is harassment as I am on the Do Not Call Registry. Their claim to others who have been similarly harassed is that the person they are looking for must call them and ask to have the person being harassed 's name be removed from their calling list.

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 08/17/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (KY).
Issue: Fraud or scam

Complaint: I was recently scammed. I sent a wire transfer to a person named XXXX XXXX, delivered to XXXX on Monday XXXX XXXX, 2015 at XXXX. The transaction took place at XXXX in XXXX Ky, and the MTCN tracking number was XXXX. Someone was supposed to be meeting me with a package with a stamp to win a prize. I realize now how foolish this was. I have called Western Union automated line and the funds have already been dispersed. Do I have any recourse? I have reported this fraud to my financial institution XXXX XXXX XXXX XXXX in XXXX, Ky.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AK).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX XXXX XXXX XXXX   XXXX Equifax shows people as having " your personal information may have been impacted '' regardless of what name or SSN was entered. This hack is either fake or being leveraged by Equifax to get people to sign up for their paid credit monitoring.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Tried to get my report form transUnion and they wanted to charge me a fee

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-01-2016 about Mortgage (Other mortgage) with CITIBANK, N.A. (NC).
Issue: Settlement process and costs

Complaint: This complaint is in follow-up to Complaint # XXXX filed on or about XXXX/XXXX/XXXX. 
This claim was addressed by Citi Financial in XX/XX/XXXX and my credit reports were updated. However, in XXXX, XXXX, this XXXX mortgage in the amount of {$22000.00} reappeared on my credit report ( See attachment ) and I started receiving bills stating that I 'm approximately {$9800.00} past due. This issue with CitiFinancial is starting to run my credit score down again. 
This has to be illegal for a company to destroy a person 's credit and not take responsibility for their actions. Again, I work for a " Reputable Financial Institution '' in the Mortgage area and I know I 've been violated over and over again as a consumer. PLEASE HELP ME ENFORCE THIS COMPLAINT ... .I DO NOT HAVE TIME TO INVEST OVER AND OVER TRYING TO GET THIS ISSUE CLEARED UP, WHICH IS NOW INTO IT 'S 3RD YEAR. 
Thank-you in advance for your help in bringing FINAL RESOLUTION to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Midwest RCVY- no w shows a derogatory account on my credit report. I have never once been contacted by this company. I have done research showing hundreds of cases where this company has billed for payday loans. I have never in my life used a service like this or done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Mortgage (Home equity loan or line of credit) with Cogent Road, Inc. (AR).
Issue: Application, originator, mortgage broker

Complaint: XX/XX/2015, my credit report is showing where I had an inquiry for a home loan with Funding Suite . I did not authorize this company to run my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (ME).
Issue: Loan modification,collection,foreclosure

Complaint: We are now in our 2nd year and our 2nd attempt of trying to get a loan modification, Chase our mortgage holder has done everything possible in putting obstacles to getting it done, Including fraud and out right LYING

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (NY).
Issue: Making/receiving payments, sending money

Complaint: I have XXXX promotional balances with Synchrony Financial XXXX of which is a 0 % interest that needs to be paid off by XX/XX/2017 in order to not incur interest. Every month I make a payment of {$200.00} for the account. The amount necessary to be paid for this 0 % balance not to incur interest is never applied correctly requiring me to call every month. The explanation I 've been given is this is how the system applies it and I need to call. I find this disturbing considering Synchrony set the terms and should be responsible to make sure it is applied correctly. I also have several other concerns about the website FAQ 's and security question answers.

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 05/29/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: After 6 plus months of trying to get my account fixed with Nationstar Mortgage and making complaints with you CFPB, this is still not taken care of. No one at Nationstar can do their job. I attached my last email with documents from XXXX XXXX. 2016 and still no response. This company has shown fraud and thief. I would love to leave this company but I can not refinance. Please review the unlawful practices of this company. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Credit card () with AMERICAN EXPRESS COMPANY (UT).
Issue: Rewards

Complaint: I have credit cards that offer variable rebate rates, as high as XXXX percent. They are currently American Express cards, but, my new XXXX XXXX issued card has the same problem. 
The billing statements do not supply any detail as to which vendors paid which percentage. 
Without this information I can not tell where to shop. For example I get XXXX Percent at grocery stores, XXXX grocery has a gas station, I get XXXX percent ( on this card, but XXXX percent on my new XXXX card ) if it is a gas station but XXXX percent if it is a grocery store. Since there is no detail I can not determine which card to use or where to buy my gas.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX IS REPORTING A DELINQUENT TITLE LOAN ACCOUNT THAT WAS SECURED WITH MY TITLE FOR MY XXXX XXXX XXXX XXXX XXXX. THE ACCOUNT IS NOT VALID.

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 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Incorrect name name, addresses and phone numbers. I have disputed several times and it was removed but back on my report. I called Transunion and asked for a  US  rep and was given  XXXX   (   XXXX  ) who just kept transferring me to a voicemail.

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 10/15/2015 about Debt collection (I do not know) with NORTHLAND GROUP INC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My mother and I had the same first and last name. I continue to receive letters and phone calls from Northland Group indicating that I owe debt. I contacted Northland Group who requested my social security number and DOB. I refused to provide my SSI and only provided my DOB. At this time, I was told that my contact information ( phone number and address ) will be removed from their list since DOB did not match the DOB on file and that I will receive no more contact from Northland Group. I was then asked for my mother 's contact information. The very next two days I received phone calls from a man who did not introduce himself, informed me that the phone calls will be recorded, and immediately asked me for my DOB. I asked who he was and what this was in regards to. He told me his name and indicated that he is from Northland Group and that it is a confidential matter and that he can only disclose information if I verify my DOB. I gave him only my year of birth. He then indicated that my phone number will be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Bank account or service (Checking account) with Empowerment Ventures, LLC (IL).
Issue: Account opening, closing, or management

Complaint: When I was going to get gas I swiped my card and come to find out that it was denied. I then checked my phone and found it was put on hold. I called Rushcard only to find out that the option to speak to someone was no longer there. They changed their automated system did not send out an email about it and now there 's no way for me to talk to a customer service representative now. I tried writing their ticket department and told them that my card was put on hold. They took a day and a half to respond and then told me they looked into it and found that it was on hold and told me to call their customer service line that has absolutely no way for me to talk to an actual person. That is why I am filing this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Bank account or service (Checking account) with ZIONS BANCORPORATION (UT).
Issue: Account opening, closing, or management

Complaint: I had XXXX in my account XXXX checks wrote for XXXX and XXXX dollars went in on one day they charged a maintenance fee for XXXX cents bringing account to XXXX and closed my account same day the next day my direct deposit entered and they told me I could not get my funds in my account unless I went to teller I did that and the supervisor denied me of any money from my account but if I had at least XXXX in positive or negative my account would have remained open the XXXX cents was a partial of a monthly XXXX dollar fee in XXXX was debited the day my deposit was credited is this fair or should the system be changed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Equifax refused to remove a bankruptcy from my report that is not following the new reporting laws set as of XX/XX/XXXX. I disputed with the BBB and the only step they took was to verify that it was me. Equifax out right lied saying that it is reported on my credit report with all the information required by law which it is not! I have attached a picture of how Equifax is reporting the bankruptcy on my credit report. With the new reporting law in place millions of misrepresented and ill reported information including bankruptcies, tax liens, and civil judgments are to be removed because of the credit bureaus poor reporting practices!

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Premier Recovery Group (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I got a new phone number out 5 years ago. Apparently someone named XXXX XXXX had the number before me. So for the past 5 years I have been getting calls from many credit collecting companies. I would explain to each company that would call me what was going on and to please remove my number from there calling list. They all said yes they would do this. But all they did is sell it to the next credit collection company and the next company would start calling me. I realize that I can send a company a letter to stop contacting me. But they will just sell my info to the next company and the saga continues. 

Thanks XXXX

Company response to consumer: Closed
Consumer complaint received 01/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was approved by Keep your Home California for a principal deduction up to XXXX, but my bank op not to participated. I 'm a single mother of XXXX and and take care of my of XXXX grandchildren due that their mother abandoned them, my son their father is currently in a XXXX XXXX in XXXX, & my XXXX mother - I 'm trying to make my monthly payment. I bought at the wrong time back in XXXX right before the market crashed in XXXX XXXX, and my payments keep going up, that I ca n't afford. I want to stay in my house, but if the bank will not help. I will be force to move and no where to go. Please help me stay in my house. I have applied for a modified loan and the bank said I do n't qualify for another modify. I 'm sure there is something out their that I can qualify for. Please help me stay in my house.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (MA).
Issue: Struggling to pay mortgage

Complaint: In XXXX my mortgage servicer was XXXX XXXX XXXX. I was going through a financial hardship and applied for modification/ forbearance. XXXX XXXX XXXX approved a trial mortgage payment for three months in the amount of {$890.00} from a $ 1721 monthly mortgage. After the trial XXXX XXXX XXXX stated that there was no record of this trial and then sold my account to Specialize Loan Servicing. I had to start all over again with filling out another application for a modification. At this time I was getting XXXX treatments and explained on the hardship letter what I was dealing with at that time in XXXX. I received some assistance from XXXX XXXX XXXX, they sent Specialized Loan Servicing a couple of checks. In XX/XX/XXXX Specialized Loan Servicing approved my modification from the {$1700.00} payment to higher payment of {$2000.00}. The first trial payment started on XX/XX/XXXX until XX/XX/XXXX. The permanent modification was to begin XX/XX/XXXX. I signed the contract and sent my payment of {$2000.00}. I received a phone call stating that they could not accept the payment that my new amount would be over {$2700.00}. Specialized Loan Servicing took the money that XXXX XXXX XXXX sent and used the money for their fees and not to the principal as I requested and told me that my XX/XX/XXXX payment will be put in a suspense account which is still there. I asked for the reason why my payment is now over {$1000.00} more than the original payment. They stated over the phone that there is an escrow shortage. As of today I have not made a payment and have applied for another Modification using XXXX   Lawyer paying them {$3400.00} and XXXX lawyer took my money, phones were disconnected and emails were unable to send ( return to sender ). I kept trying on my own with the help of other free agencies to get a fair modification and I kept being denied. Specialized Loan Servicing would tell me that they received all documents and my application went to underwriting. They would send me letters that all of my documents werent received and or the investor is not going to change the terms of the loan. My income changed and I added my son and husband. In XX/XX/XXXX an employee of Specialized Loan Servicing advised me that they will not give a modification so I should stop applying because I cant afford the house. She was very rude and disrespectful to me and stating to me that the HARP program is over and we will not honor you application for that program. My application was in before the program ended. I paid {$29000.00} for my property when XXXX   XXXX XXXX sold my mortgage to Specialized loan Servicing I owed {$260000.00} in XXXX. I now owe {$390000.00} because of all the fees and late charges incurred. 
My home is currently up for foreclosure. All I want is a fair Modification to pay my mortgage and for me and my family to stay in our home.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Fidelity Properties Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: FIDELITY PROPERTIES Account # XXXX I have XXXX unverified accounts from FIDELITY PROPERTIES. I had previously disputed this account. I have never done business withFIDELITY PROPERTIES Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt FIDELITY PROPERTIES and I believe it is a XXXX violation. I request thatFIDELITY PROPERTIES Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FIDELITY PROPERTIES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Numbers # 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 01-03-2016 about Debt collection (I do not know) with ERC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My social security number was stolen to open accounts in my name. The account from Enhanced Recovery resulted from ID Theft.

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 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation