milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is currently an account on my CREDIT REPORT that is in COLLECTION that I have never opened. It is from XXXX XXXX. 

The amount is {$1800.00} as of XX/XX/XXXX. The credit report states that the account was opened onXX/XX/XXXX. This is the first action I am taking against this account that looks to have been fraudulently opened without my consent.

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 03/25/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX is continuously re-aging the accounts on my credit report and Equifax continues to report credit account. per FCRA XXXX is in serious violation of repeatedly adding the account to my file. They are trying to ruin my credit score. XXXX IS CONTINUOUSLY RE-AGING THE ACCOUNT. THEY SHOULD BE FINED FOR THEIR ACTIONS PER FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Application, originator, mortgage broker

Complaint: When The President came out with the HARP program I called my bank to find out about to much time has elapsed and we need to start all over again. I also want to add that we the program. The bank told me that the program was not out yet. I asked them again XXXX years later to be told that I did n't qualify for the program. I was not asked for any financial information or to fill any paper work when I was told that. Right after that I was told that my XXXX and XXXX mortgage was in collections. We have never been late or missed a payment. After I complained about the mortgage going into collection they allowed me to file for a modification. I sent several pieces of information to them and after not hearing anything I called them. They told me my modification was closed because they never received the information they requested. I then advised them that I went to my local Bank of America and had them fax over the papers. I gave them the time and date it was sent then They said I was missing some of the paper work requested. No one ever called to advise us anything was missing or that they needed any additional information. This happen several times. They wait so long to get back to us with anything. When I hear from them again that are senior citizen with a lot of medical expenses they we did not have before.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (GA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I applied for a US bank XXXX card XX/XX/XXXX, and activated the card on around XX/XX/XXXX. I am supposed to receive XXXX bonus points after meeting the spending requirement in 3 months. When it was about XX/XX/XXXX, I called the bank and inquiry about my spending and how much time I have to meet the spending requirement, I was told that the time has already passed, but she will talk to a supervisor and let him/her get back to me in 2 days. However, no one called me. After a week, I called in and spoke to a supervisor. At first, she told me that the 3 months starts at the activation date, so I am supposed to have until XX/XX/XXXX to meet the requirement, but since the date still already passed, so she ca n't give me the bonus points, nor give me the extension on that. When I brought out about the misleading information about meeting spending by XX/XX/XXXX from the first agent, the supervisor went back and checked the voice record, and changed her story by saying that it should be XX/XX/XXXX, and stated that I will never have any possibility getting those bonus points! Then I asked to close my account, and I have confirmed with her at least three times that the annual fee charged on the account will be refunded. She confirmed three times that I will receive a refund on annual fee. But it was more than a month, and I did n't receive refund at all. When I left a message on US bank, I received the response that I ca n't get the annual fee back. I ca n't understand why a bank could give so conflicting words all the time, and they do n't hold any responsibility for what they have told their clients!

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 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: To Whom It May Concern ; I would like your office to investigate the following. I paid in full an amount owed to XXXX XXXX XXXX XXXX in California, which was submitted to a third party collection agency, XXXX XXXX. In addition to the payment, I made 4 copies of the money order as proof of payment, because I knew I could n't rely on the collection agency to report the payment to the bureaus and have it removed from my profile. I mailed it to the collection agency and the 3 credit reporting bureaus on X/XX/17. As of today X/X/17 the debt is still listed on my XXXX XXXX profile as unpaid. 

Additionally, I filed a dispute with all 3 bureaus regarding a co-borrower account that belonged to my son, who did not have my written authorization to use me as a co-borrower. Nor did the apartment complex XXXX XXXX have my signed authorization to use my information as a co-borrower. If they would have had my full and complete information the transaction would not have gone through. The apartment complex has not and can not furnish any proof of my written consent, yet they still insist the debt is mine. My son has since paid the debt in full ; yet the collection agency XXXX XXXX and the apartment complex refuse to remove the account for my profile. It seems like the collection agency is looking to get paid twice. Which I 'm sure is a common practice with collection agencies. 

Both of these are having a negative impact on my credit score and I am determined to get all of my debts paid off. The 3 credit reporting agencies and the collection agencies are n't acting in the best interest of me as a consumer, because they are not enforcing the rules and regulations which require the fair and accurate reporting of my debts and payments. 

If you could look into and help me resolve this matter I would be grateful. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 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: Account information incorrect

Complaint: My credit report shows a company called  XXXX   XXXX   XXXX  in   XXXX    alaska.Is claiming that i owe them over  XXXX   XXXX  dollars from five years ago. I am Inquiring as to why that is?

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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with 1st Franklin Financial Corporation (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: my bank pulled up my credit report checking and XXXX XXXX XXXX XXXX come up still oweing them what i done paid off, i went there and they gave me a paper stating it is paid off, no balance they XXXX XXXX stated nothing they could do so, i was told by local credit burea to dispute it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: XXXX XXXX Filed False Paperwork into the county Records a crime PC115 causing a cloud on my title, Exhibit A XXXX XXXX Misrepresented themselves by substituting XXXX XXXX Exhibit ( A ) as Trustee then using TRUSTEE CORPS as a Trustee on other paperwork. 
XXXX XXXX took an action it was not legally entitled to take violating 1692 ( e ) ( v ) XXXX XXXX Failed to Disclose who the Foreclosing Party they allegedly Represented was ( Unjust Enrichment ) EXHIBIT ( B ) ( C ) XXXX XXXX used the courts and police & Sheriff Department to Forcefully Remove my from my Home by Filing False Court documents.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax is showing XXXX bankruptcy 's on my file that do not belong to me. I disputed the information and Equifax claims to have verified the information on XXXX/XXXX/2015. I 'm requestingthat Equilfax actually verifies that information so those items can be removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Consumer Loan (Installment loan) with Prosper Marketplace, Inc. (AZ).
Issue: Taking out the loan or lease

Complaint: XXXX XXXX, my legal husband, took out a loan with Prosper in my name and named my personal checking account for the payments without my permission. This was done in XXXX 2016. A police report was filed by me, XXXX ( XXXX ) XXXX, in addition to completing the fraud packet required by Prosper. A subpoena was issued by Detective XXXX XXXX, XXXX County Sheriffs Dept. for the loan documents and the investigation of XXXX XXXX is ongoing. Prosper continues to assess interest charges to this loan despite fraud being accused by myself AND the accusation an open investigation with the XXXX County Sheriffs Dept. in XXXX AZ. XXXX XXXX has advised Prosper that he has documentation and the entire case report and advised them how to get a copy of the report. Prosper has not responded to him. They recently notified me they have not found any evidence of fraud and are holding me responsible for the loan, despite this being an open investigation with my police department. XXXX XXXX in the Prosper fraud dept. refuses to contact me by phone despite the numerous phone messages I have left for her. I DESPERATELY need a third party to help me with this loan company. It is grossly unfair to continue to assess interest fees and late fees when an open fraud investigation is in process. I have asked in writing to Prosper to acknowledge my dispute of their determination that no fraud was committed. They have ignored this request of mine. Please let me know what agency can help me with this Loan Shark Loan company! 
**I HAVE SUBMITTED MY NAME AS THE BORROWER BECAUSE MY NAME IS ON THE LOAN. I AM NOT ADMITTING TO HAVING APPLIED FOR THIS LOAN. YOUR FORM DOES NOT ALLOW ME TO PUT XXXX XXXX NAME AS THE BORROWER AS I DO NOT HAVE HIS INFORMATION. 
XXXX XXXX, victim

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This company contacted my sister as well as my co-worker and stated that this is a debt collector looking for XXXX XXXX. They continued to contact them and left voice mails numerous times, despite being told not to call them again. This company also misrepresented themselves as having a license and registered debt collector in the State of Michigan but they are not. This is a debt account that does not belong to me. I called this company and mailed them a letter requesting validation on XXXX XXXX. They never responded to my request. In fact I never received any letters from them ever.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I am based in the XXXX and have a coinbase account. They had no issue taking my money but since I have sold my bitcoin the service of withdrawing the money is non existant. The some of XXXX is still in my coinbase account and it will not let me click on my saved account to withdraw the money. I have tried contacting via email and twitter with zero response.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TN).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: This complaint is against Santander Consumer USA. I am filing a complaint against this company because we have been paying for a XXXX XXXX XXXX for the past 3 years and yet the bill still has not went down yet. We have been sending in XXXX dollars payment weekly and yet the bill still has not went down. The car was only worth XXXX or less but our insurance paid XXXX and change for the car. The car was total due to an accident. I do not understand were this went to and yet they have let clueless explanation. I am still looking at bill for {$2200.00}. We have GAP insurance to help pay off the vehicle but yet we still owe a large amount of money. I do not know what is going on with Santander Consumer USA but I do think it fraud upon the company. I want the c Consumer financial protection to look into this matter because I am the consumer need to know where my money. I think Santander does not need to be in business because they are taking advantage of poor people like myself and adding interest for no reason. Please look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (IA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I originally had student loans throught Department of Education, Nelnet ... in XX/XX/XXXX of 2013 I consolidated all of my federal loans through XXXX. However on my credit report it is showing up as more than 120 days late but has a balance of {$0.00} and states that 100 % of the loan has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with U.S. BANCORP (GU).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Date opened XX/XX/XXXX Original charge {$8400.00} Credit limit : {$11000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$11000.00} from XX/XX/XXXX to XX/XX/XXXX Loan type : credit card from US Bank XXXX, Ohio Message : I did not open any credit card from XXXX. It still reflect on my credit score. please help me to clear my name. 
Thank you.

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 04-05-2016 about Mortgage (Other mortgage) with CONSUMER PROTECTION ASSISTANCE COALITION, INC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I do n't understand why I have paid XXXX for a property that was foreclosed by XXXX XXXX and why the payments I made to XXXX and XXXX XXXX XXXX did n't count. I have made ALL of the payments on the XX/XX/XXXX truth in lending disclosure statement on a 7 % loan. I have made enough payments to XXXX to pay off a 15 year loan at 4.34 %. Now that we have paid XXXX for the property XXXX XXXX took they want me to not only pay for the original loan they want me to pay them my down payment again. 
I do n't know where this goes I paid {$270000.00} for my house in XXXX XXXX. 
{$65000.00} down payment. {$210000.00} @ 7 %. 
XXXX XXXX Refinanced $ XXXXXXXX6.5 %. 
XXXX XXXX paid {$5000.00} to escrow shortage. 
XXXX XXXX refinanced to XXXX and in XXXX it dropped to 5.875. % and a new {$260000.00} included a {$35000.00} line of credit. In all I paid {$79000.00} to XXXX mortgage {$49000.00} to XXXX, {$39000.00} to XXXX paid {$36000.00} to XXXX bank. {$340000.00} to XXXX and {$39000.00} to XXXX. {$30000.00} to XXXX plus {$79000.00} to XXXX. {$62000.00} to XXXX XXXX ( plus {$61000.00} from foreclosure ) and {$69000.00} paid to XXXX. 
In XXXX I owed {$20000.00} on a va loan I did not refinance. 
XXXX XXXX XXXX released XXXX {$260000.00} loans. XXXX for the second time. XXXX released the same {$35000.00} twice - XX/XX/XXXX and again in XX/XX/XXXX. 
My credit report shows a {$310000.00} mortgage with XXXX XXXX XXXX and a {$240000.00} mortgage at XXXX I never had. In XXXX XXXX XXXX XXXX offered me a {$420000.00} loan on my house and a {$150000.00} loan on my duplex I never signed. XXXX XXXX took my duplex in XXXX and I had to sign a {$290000.00} modification to keep my house / to which I have paid {$110000.00} ( @ 2 % on {$240000.00} ). The current balance is now the XXXX purchase price. I paid off the VA loan and the buyers {$91000.00} loan on my duplex was also paid off in XX/XX/XXXX. In all I paid off {$44000.00} credit cards - that were already added in the mortgage. I paid them -with interest - at least twice. We filed bankruptcy in XX/XX/XXXX and all debt was discharged yet my credit report shows {$79000.00} was paid. ( I mailed over {$170000.00} seperatelybto those credit cards over 3 years ) I believe I have paid the escrow on all three properties 3 times. Or I paid over 20 % interest. I have paid off all of the principal interest taxes and insurance on XXXX properties and owe more than I paid for the only XXXX left. 
All of the credit cards and the second mortgage were included in the balance I still owe. None of the {$460000.00} I have paid on my house counted. 
None of the {$160000.00} I paid for my duplex counted. 
I paid {$30000.00} more than I owed on the VA loan I never refinanced. 
I believe I paid the discharged debt back twice. 
The way I see it is I have paid {$660000.00} interest ON MY HOUSE. 
And 4.5 % more interest on the original balance and pay my down payment again.

Company response to consumer: Untimely response
Consumer complaint received 01-08-2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are XXXX inquires on my credit file that are not mines i have submit paper work and called and still havent recieved proper document. I have noticed that name is mine but the social security number and other personal information are not mines im jut trying to get the inquires deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (Other debt) with I.C. System, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: This is an incorrect charge on my credit report. Equipment was returned to  XXXX  on  XXXX / XXXX /2015 to a  XXXX  representative.
This item was previously removed from my credit report but was sold to another party and added back. The previous company reporting this item acknowledged   XXXX    error and removed the item. I would like this item removed and barred from being added by yet another party, as they seem to just sell the account to someone else after it is removed.

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 10-08-2017 about Mortgage (Conventional home mortgage) with IMPAC MORTGAGE HOLDINGS, INC. (CA).
Issue: Trouble during payment process

Complaint: Cash Call Mortgage has consistently mishandled my monthly payments and not properly booked payments that I have made towards principal. As a result, my interest expense has been too high and my principal balance is too high.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I sent a certified letter to Equifax, which they received on XX/XX/XXXX. The letter requested them to investigate XXXX fraudulent inquires in my credit, that I did not authorize. 

XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. 

The investigation was not completed in accordance with section 604 of the FCRA. These companies did not have permissible purpose to pull my credit. I did not authorize any of these companies to pull my score and Equifax DID NOT properly conduct an investigation in accordance with the stated law in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been under active review with this lender for over two months. They have placed my sale date on hold in the past. The underwriter requested further information from me which I provided to them within 5 business days. After calling to make sure they received the information from me, they informed me that they received the documents and that I was in active review but that the sale was still moving forward on XXXX/XXXX/15. I believe that this is dual tracking as they have had a complete file but the underwriter needed another bank statement, which I in fact provided in a timely manner. There is already an opening bid for my home. They are not giving me options to foreclosure. Their tactics are underhanded

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is a company that just listed a collection on my credit file whom is ERC trying to collect for XXXX XXXX. I fought this with a prior agency XXXX I do NOT owe XXXX anything. Please help this is out of control.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed