milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/29/2017 about Vehicle loan or lease (Loan) with U.S. BANCORP (NV).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: On XX/XX/XXXX, I applied online for a auto loan at the U.S. Bank website. The bank did not communicate with me on the progress of my application ; I did not receive any phone calls, letters or emails.

On XX/XX/XXXX, I made a phone call to my local U.S. Bank branch and spoke to manager XXXX XXXX. She told me that my application had been denied due to insufficient documentation. I said that the bank had never requested any additional documentation from me. She said I can bring proof of my income to the branch and she would appeal the denial decision. I came to the branch on the same day and gave her copies of my recent paychecks. I told her that I did not want to appeal the banks decision if this results in a new hard inquiry on my credit report. She said that there will be no hard inquiry if she appeals the decision.

In two days, on XX/XX/XXXX, she called me and said that she had been unable to appeal the decision because the case had been closed. She also said that I can apply for a pre-approval for an auto loan again ; if I do so, I have better chances to be approved. ( My first application was not a pre-approval ; it was the actual loan application ). She said that if I want to proceed with the pre-approval, I need to come to the branch again and sign the application. I asked her again if this would result in a hard inquiry on my credit report, and she said no, it would not, because the second application is submitted within 30 days from the date of the first application.

I came to the branch on the same day and XXXX XXXX told me that I would meet another banker, XXXX XXXX, to finalize the second loan application. XXXX XXXX actually told me that he did not need my signature to submit my application. He even said that he did not know why XXXX XXXX had told me to come to the branch. According to him, the application process could have been done over the phone. At that time, I became very alarmed as I realized that XXXX XXXX says something different every time I speak with her. I specifically told XXXX XXXX that I do not want to proceed with the second application if it results in a hard inquiry on my credit report. Just like XXXX XXXX, XXXX XXXX also told me that no new hard inquiry would appear on my credit report. He submitted my application and I left the branch. When I came home, I received a notification from XXXX, credit reporting agency, about a new hard inquiry placed by the U.S. Bank on XX/XX/XXXX.

I consider this activity as customer fraud and sales fraud.

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 02/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I signed up for a new credit card and was promised XXXX bonus points for doing so. I have contacted the company on 5 different occasions and have been promised that this would be taken of. My last call on Saturday XXXX XXXX I was assured that a supervisor would contact me but no one has called me to try and correct this problem. I feel as though no one is ready to do what is right by their customer.

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 01/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: They call me multiple times a day for a debt that was already taken care of. I have asked them numerous times to verify this debt, and their response is just the amount I owe. Then they try to barter with me and say if I can pay half, they 'll close the account and not send this to the credit bureau. Since they are haggling with me on what I can pay, and do n't verify this debt - I believe this is a scam.

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 03/20/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I called XXXX XXXX, the company that accessed my entire credit report ( hard inquiry ) on XXXX XXXX, even though I authorized a different company, XXXX XXXX , XXXX, to do an employment ( soft inquiry ) and in that authorization ( documents uploaded ), I clearly requested a copy of any reports. 

When I called XXXX at the telephone number listed on the credit inquiry ( XXXX ), my call was answered " UCC '' with no name given. I asked politely about what happened, the person yelled at me and said they are not required to provide a copy of the credit report to me, and refused to give me their name after multiple requests, but yet insisted I give my name ( I refused! ). I politely pointed out that they are in fact required to provide a copy of the report, and they still insisted they do n't have to provide it, and then hung up on me. 

I want a copy of my report that was accessed, as is absolutely required under FCRA, and most of all I want to know how this law-breaking company ever got their hands on my entire file of personal information ( which was NOT authorized to anybody and can never be undone ), and also I wonder what recourse I have. I have already filed a fraud complaint and put a 90-day fraud alert on all three credit bureaus, but there is nothing the credit bureaus can do to undo the damage of giving my information to these unscrupulous people. I 'm not even sure what a " final response '' from the credit bureaus would entail, in a situation like this, apart from what they have done ( put a fraud alert on my report ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Please be advised I had a VOLUNTARY judgement with XXXX in GA Phone number XXXX! Part of the agreement was XXXX agreed not to place the Judgement on my credit report! Months later after it was inserted I called the XXXX XXXX XXXX where the Judgement was filed and the County Clerk advised me that they do not give the credit bureau any information! Apparently, they went seeking the Judgment not knowing the agreement XXXX and I had! I in turn called XXXX and they did acknowledge that they agreed to not report me! I immediately wrote all XXXX bureaus and advised them to call XXXX at XXXX to verify the agreement! Apparently, XXXX and XXXX did their due diligence and called and verified and removed the Judgement but Equifax did no such thing just marking it as verified! I do not know who they verified it with because if it was XXXX they would have advised them it was not to report per our agreement! Please see the tradeline below! 
Legal Item XXXX XXXX, 2015 Satisfied {$3600.00} Public Record Details Reference Number XXXX Court -- Date XXXX XXXX, 2015 Status Satisfied Amount {$3600.00} Classification -- Type legalitems

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: On XXXX XXXX, 2017 I attempted to get my credit report on line from XXXX XXXX. On their website they do not have any forms to get credit report following a denial of credit. I tried using the free annual credit report forms and it came back that I had received my annual free credit report already.

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 01-05-2018 about Vehicle loan or lease (Loan) with DriveTime (IN).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: Currently I am homeless and have been living in XXXX for the past 3 years. I use my cousin 's address as my permanent mailing address for any important business. In XXXX XXXX I came to XXXX to live with my cousin because I was having such a struggle and was about to have a child. While there I got a job with the XXXX XXXX XXXX, which I still have the job. I was laid off there but before I was, in XXXX XXXX, I XXXX XXXX XXXX went to DriveTime to apply for a car and was given a loan. I put a down payment and supplied them with everything that they needed. Upon me picking up my vehicle I did n't have my driver license with me because they were in the state of XXXX and it would be over a week before I could receive them, so they requested that my cousin sign to drive the car off the lot. We made it clear to the sales person that she is not applying for any car loan of any sort. 

I was the person who supplied all my pay-stubs, filled out the application WITHOUT HER and they checked my credit and told me that I was eligible to get the loan. The car as always been in my possession after I drove off the lot and I was the person making the payments and keeping in contact with the creditor when I could not make payments. I had been in a constant battle trying to get the contract corrected without her on it and they kept making me promises if I did this, they would make the correction and that never happen. 

Now the car has been placed on her credit report and the reason that it was repossessed is because I was struggling to pay rent, make payments and all my other bills. I am currently homeless and barely can feed myself and XXXX children. 

I have spoken with my cousin about this matter and she is very upset because she can lose her job because she works for the XXXX XXXX XXXX because of this credit issue that has been created. Also, she keeps getting denied every time she tries to obtain credit for a major purchase and have to explain that this is not her debt ; but because Drivetime has put her as the owner of the car, it does not help. 

We have requested to get a copy of the application but that have not received it. You are the only hope to get this situation corrected. Attach you will find the copy of the contract that was supplied to us that is diffidently not correct.

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 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have inquirys on my credit report that were fruad, I am  XXXX  and   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   have stolen my identity and have commited fruad, She is being investigated for this please help me fix this, This have me   XXXX   out and my hippa has become worse because of the  XXXX , I need these removed .Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (OR).
Issue: Trouble during payment process

Complaint: Hi! I would like to know if there is a statute of limitations for the OCWEN Settlement ( XXXX XXXX XXXX ) since I was never notified by the law firm though I should have been notified and included in the class. Please let me know. I would love to hear from you. Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: So I received info in the male regarding an bill from a rental car that was rented through a insurance from a car claim. After speaking to a rep name XXXX she explained that I rented a vehicle XX/XX/2016. I explained impossible she begin questioning for if I am correct she never mini Miranda me or told me was on a recorded line I asked her first last name she told me she does n't have to '' because she does n't want to ''. At that point I explained that her info is wrong and it should be a dispute. I asked questions she said she will get a manager then a guy name XXXX gets on the phone very disrespectful loud interrupting every thing then as i asked his full name he begin to get upset yelling being deceitful and hung up in my face. I called back he put and hu the telephone 3 times. I called all leadership and never received a phone call. Today after cease and desist I received a phone call and it is the same little girl I spoke to I made aware cease ad desist. They also called my brother after having good info for me and said what they were calling about and gave name of company. My brother has I 'd caller and tracked number is was the same company

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Debt collection (Credit card debt) with ZWICKER & ASSOCIATES (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: PLEASE BE INFORMED THAT I FILE BANKRUPTCY ON XXXX XXXX, 2017, CASE NO.XXXX.SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Credit card () with DISCOVER BANK (MD).
Issue: Billing disputes

Complaint: We have been trying to pay off my credit card for years. I have called to set up multiple payment plans with discover but everytime one gets set up, a month later I get a call saying there was no payment plan and I owe more interest and late fees that were not supposed to be added to my account. This has been happening for over 2 years and I have wasted a lot of money with payments on this account because I was promised no interest and no late fees, but those two things have erased all of my payments. I have still attempted to contact them to resolve this but they are refusing to work with me at this time and they have locked me out of my online account so I ca n't view the balance. And they are n't sending me my statements. Now they are attempting to get a judgement placed against me because of this issue even though they will not work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: JH PORTFOLIO DEBT EQUITI Account Number : XXXX ... .... 
This information was found on my credit report from XXXX. The company above never contacted me.This is a collection company that reported a collection for a debt that started in XX/XX/XXXX on my credit report to XXXX. I have no knowledge of this debt. I have never used the credit mentioned in XX/XX/XXXX. I have only XXXX major credit card that I have been using since XX/XX/XXXX and I am in good standing. I do not know this company and I was never contacted by this company in writing to validate the debt which is not even listed to any of my credit report. I knew about this, because I have a company that monitors my credit and alerted me about this issue. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: EXPERIAN CREDIT REPORTING agency complaint of online and written correspondence disputing account inaccuracy ; they willNOT update or remove fraud accounts and Identity theft. FOR EX : XXXX XXXX is in dispute ( loan discharge ) due to identity theft, also, reported to FTC. Showing debt to income ratio error. All accounts are individualized and old accounts discharged by chapter XXXX and not reported correctly. Only have 2 open credit accounts at this time, but my report shows accounts not mine. Denial of credit due to fraud, account inaccuracy and identity theft. Online access denied report number EXPERIAN CREDIT XXXX XX/XX/2017.

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 09/21/2017 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: Reporting company used your report improperly

Complaint: Equifax did n't properly protect my personal information. This security breach is well known but I want to make it clear that it was extremely inappropriate and preventable. Almost as bad is Equifax 's subsequent handling of the matter from a victim-experience perspective. They changed their domain name for handling the fallout. They broadcasted the wrong name via XXXX to a phishing site. The page that solicits me to try to rectify the problem expects me to agree to terms of service on _a page that does n't work_, so I ca n't read the terms of service. The links to the terms of service are also shady because they link to PHP scripts.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 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: Information belongs to someone else

Complaint: I have recently become an adult and monitor my account like I should. I purchased a XXXX account which shows the reports for all the Credit Reporting Agencies. As of XXXX XXXX I also purchased the XXXX premium service and found that there were to credit cards opened in the name XXXX XXXX  one on XXXX/XXXX/XXXX and another in XXXX of XXXX. Both of these accounts were opened either fraudulently or by someone who has a similar name than me. There is alone in XXXX, TX where i resided when both were opened over XXXX XXXX XXXX 's. My name is XXXX XXXX XXXX. I have sent Section 609 of the FCRA to have the CREDIT REPORTING AGENCIES to verify that those accounts are mine as well as for them send me the proper documents as per the FCRA states. I have recieved nothing but a credit report with updated infornation stating that account has been verified. I have sent appropriate documents to the Credit Reporting Agencies to support my claim that my name is XXXX XXXX XXXX not basic XXXX XXXX. I have purposely included into my signature my middle name or my middle intial as the two documents show that I have currently uploaded to you. On the Drivers License its a XXXX between the XXXX and The XXXX also as if the XXXX is apart of the XXXX. And on the social security card it spelled out in the middle of the length of the name. I truly am sorry for the long letter of what is happening but after the recent XXXX leaked personal information, I have been fighting with the CRAs for Four Months about their basic FCRA requirements under the Section 609. And then their total lack of caring about a consumer and their lack of building their credit to secure a home loan for his family. Please someone help me. 

XXXX XXXX XXXX XXXX there is over XXXX XXXX XXXX in a 6 hour radius of where i currently live.

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 08/17/2017 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (MD).
Issue: Closing on a mortgage

Complaint: PHH mortgage knowingly and willfully closed on a loan involving the wrong amount of money and owes me {$2000.00}. At the time they closed on the loan they knew their numbers were wrong and failed to correct them and reimburse me the correct amount of money. Thus I believe this also constitutes criminal financial fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Payoff process

Complaint: I had signed and agreed to 0 % interest for 5 years for a medical procedure that was not covered by insurance. I set a direct payment from my checking account to CareCredit and therefore was not late with any payments. Two years later, I received a statement that was over and above the balance. I called and spoke to XXXX and was told that interest had now been added. I explained that my agreement was for 5 years, interest free. I then told him that I would pay the remainder of the balance of {$11000.00} in full plus XXXX and XXXX payments but that I would not pay any interest on the balance. XXXX tried to to waive the interest but the system would not let him. He told me to contact customer complaint in 3-4 days. I did and received a new reference. The issue has not been resolved and collection companies continue to harass me via emails, USPS and phone calls to pay the interest with a new amount of {$3300.00}.

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 09/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My credit report contains information from the XXXX. There are XXXX annotations on my credit report, XXXX indicating a reposession and another indicating a charge off. The last payment on either account was greater than 7 years ago. The account indicating reposession shows a last payment date greater than 7 years. The account indicating a charge off has a last payment date within 7 years ; however, no payment was made within 7 years. The accounts should have been removed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: ID THEFT HIPPA, CRA INACCURATE INFORMATION AFFIDAVIT OF FACT

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I am complaining about this item called XXXX that I see online is an auto finance company that needs to be removed immediately. Please delete this misleading information in order to show my true credit history.

Company response to consumer: Closed with explanation