milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: This is a complaint against Equifax Credit XXXX. The reason of this complaint is because I have a very serious problem with this credit agency because of the improper use of my credit profile and membership, they do what they want with my credit profile without my permission or authorization. They put fraud alerts, they freeze it when even they ca n't remove the freeze that they put on the freeze when I gave them the pin that they gave me through mail. They have my credit so badly managed that its impossible for me to obtain my profile utilized and my credit score. Its so badly managed that the blockage has been so negative that even the positive accounts that are under my name and social security Equifax does n't let them report them. I have proof of letters from all the banks that I have accounts in so they can report those accounts in Equifax because they are good accounts and make my credit good and better. Also I have two months calling all week to solve this problem because only with Equifax , I do n't have any problem with XXXX, these companies report correctly but Equifax does n't. I have reached a conclusion that I have n't been only victim of identity theft but also a game of the personnel that work with Equifax. This complaint I would want the team of executives to see and do a review because this problem has become a game a joke towards me. Every time I call they are only going to do a ticket and every ticket they do n't solve anything. Also where are the positive accounts like XXXX Bank ( credit limit XXXX ), XXXX XXXX ( credit limit XXXX ), XXXX XXXX Credit Business ( credit limit XXXX ). Where are these accounts that were opened in between XXXX and XXXX of 2015 and I know because I have the letter in proof that these banks have sent in the reports, the only problem is Equifax because they do n't want to report these accounts. I am sure that 100 % that if these accounts were negative Equifax would be the first to report them, because they are here only report the negative not ever the positive. This agency is here only to damage the profile of me and I am sure many other people. They have a horrible system and a personnel that is badly trained and horrible as well and they do n't solve anything.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (CT).
Issue: Problems when you are unable to pay

Complaint: On XXXX/XXXX/2016, My husband and I called XXXX XXXX to make a payment to Honda financial ( because they refused to take a payment directly from me ). XXXX XXXX confirmed the code and company I asked them to send it to as Honda financial code CA and proceeded to send my payment to XXXX instead of XXXX. Now XXXX has a repo out on my lease for being ONE payment behind ( which is ridiculous ) and XXXX XXXX will take no accountability for THEIR error. I called XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and each time all they say is the funds never came back and there is nothing they can do ... Honda does n't care and said there is nothing THEY can do and said they are going to take my car. IN order to make this payment i had to max out my credit card so its not like i can just pull money out of thin air to cushion their a mistake that was beyond my control. This whole situation is beyond asinine! it blows my mind that XXXX can XXXX less about their consumers when they pay THOUSANDS of dollars for a product. Further more it sickens me to think XXXX XXXX can get away with causing my car to be repossessed thanks to them dragging their feet and doing NOTHING to rectify this situation. All the calls are recorded so there is NO EXCUSE for it taking an entire week to resolve an issue that they created. It also is beyond inexcusable that Honda cant do a thing to put my account on a freeze or something until XXXX XXXX resolves this. I am beyond disgusted that my life can be ruined by XXXX TERRIBLE companies that do n't XXXX about the consumers they service. Not to mention Honda claims to have sent me a repossession letter months ago and I just found out about it on XXXX/XXXX/2016. they said a letter was sent months ago and have failed to provide the signature on the alleged certified letter. I think this Is because they did n't send one because no one in my household singed for anything like that. I think what they are doing is illegal and wrong so that they can scam me for more money at this point. I also want to note that if they had changed my payment due date 2 years ago as requested on several occasions, I never would have been behind on my payments as I was unexpectedly laid off and advised them I needed the date moved to compensate. I 've never worked with such an incompetent group of corporations in my life and if that is the way they want to do business, I am SHOCKED that they are still in business.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Credit card () with U.S. BANCORP (MA).
Issue: APR or interest rate

Complaint: Once a card is issued at a set rate can the credit card company increase the rate if I am and have been current with all my cards for decades ( never late )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Debt collection (Auto) with CCS Financial Services, Inc. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Credit Collection Services claims I owe XXXX for an auto policy with XXXX XXXX. This policy was canceled prior to their cancel date of XXXX XXXX, a final payment was made before and should have brought the balance current and paid in full. They claim I owe XXXX, which is a ridiculous amount of money for a policy which I had already been paying on. I think the Liberty Mutual rep ( s ) I spoke with failed to cancel the policy when I first requested, however, the amount in question is still absolutely crazy and I refuse to pay it. The reason for canceling the policy is because the vehicle had been sold to XXXX XXXX XXXX, I no longer needed insurance on it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Mortgage (Other mortgage) with E MORTGAGE MANAGEMENT, LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: My husband received a letter from Mortgage Management offering him a {$280000.00} loan against my home. He is not on the title or loan on my home. So I called the XXXX phone number but no answer. Shortly after I received a call from XXXX Alabama regarding my attempt to contact them regarding this letter. I asked how they could be offering money against my property to anyone. Also how many more letters did they send out with my property address on it. The man assured me that it was not fraud. But it sure sound like that to me. I also called XXXX to be removed from their list. - No luck there as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-09-2017 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In 2008 my husband and I had business bankruptcy. We paid off all our debts accordance to judge decision and our credit score slowly started going up. Now I have close to XXXX score with XXXX and XXXX but Experian score is only XXXX! My husband and I do n't have any credit cards since 2008 and XXXX late payments since 2008 so there is no reason for Experian to give us XXXX points less than the other XXXX agencies. We called Experian many times trying to figure out why our score only with this agency so low and because of Experian we can not get any credit cards at all. Unfortunately Experian refuses to change anything saying " it is not us - contact XXXX '' and .... XXXX of course saying " nothing we can do about it - it comes from Experian - so contact them '' Its like " Catch XXXX situation '' - there absolutely nothing wrong with our Experian credit report ( we have XXXX negative items on their report ) but they can not change anything and XXXX can not change anything. The most frustration is ( according to Experian ) since there is " nothing wrong '' with my credit ( of course we are never late and do not own any credit cards and almost no debts ) there is nothing to fix! 
we even bought XXXX XXXX about 6 months ago by using XXXX XXXX and paid if XXXX back but even this did not improved our score with Experian!!! I have the only question : is Experian is about the law and they can XXXX anyone, anytime and can not be hold responsible?

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 05-10-2016 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Closing/Cancelling account

Complaint: I received a letter on XXXX XXXX, 2016 from Chase stating that they were closing my account effective XXXX XXXX 2016 because " continuing the relationship creates possible reputational risk '' to their company. I immediately called Chase at the number provided on the letter. They then connected me with an " account specialist '' who really had no answer for me. All she said was that " chase has made a decision to end the relationship with my account and will be closing it ''! I asked why? No answer was given other than she had no notes in the system that could explain their reasoning??? I have not been late on a payment, never missed a payment and my balance is low! This will cause a negative effect on my credit score without just cause or reason. I would like Chase to reverse this decision.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Debt collection (Auto debt) with Penn Credit Corporation (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a collection notice letter today, XX/XX/XXXX ( letter is dated as XX/XX/XXXX ) by Penn Credit Corporation, saying I owe {$840.00}. I had received a similar letter by them in XX/XX/XXXX regarding a debt about a car I have never owned in a state I only lived in when I was XXXX years old. When I called them, they asked me odd questions, such as if I had bought a car in a different state, if I smoked tobacco from another state or if I've won the lottery or gamble. In both letters I've received from Penn Credit, My last name is incorrect. I'm not sure if this is a case of identity theft or not, but when I contacted them, they told me to contact the IRS to dispute this debt. This debt isn't from the IRS and doesn't make sense. However, I did call the IRS in XX/XX/XXXX and they could not help me with this. I'm not sure what else I need to do, since I've begun to receive this debt notice, once again. I did email them today ( XX/XX/XXXX ) to dispute this claim. I'm hoping it is settled, however, I've read a number of disturbing complaints against this company regarding false debt collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company calls our home XXXX times per day. The calls are rude, harassing and threatening! We have explained to them, we are XXXX citizens. We have no debt. We have no credits or anything. The only thing we pay each month is out electric, telephone, cable.We have called the number back, and asked for a manager. We spoke to a XXXX XXXX. She was extremely rude and nasty. 
This is the company : Commonwealth Financial Systems , Inc . 
XXXX XXXX XXXX. 
XXXX XXXX, PA XXXX : XXXX : XXXX are XXXX citizens. We do not deserve to be treated with such harassment and disrespect. 
Email : XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Account opening, closing, or management

Complaint: I keep receiving letters from Capital One with my first name changed and told that I do not qualify for a credit card. I have returned many requests for them to stop doing this but, they continue.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Debt collection (Auto debt) with Riverwalk Financial Corporation (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On XX/X/2017 XXXX XXXX XXXX aquireed a fraudulent debt from XXXX XXXX XXXX. I have sent in several validation letters to the company as well as my police report filed stating my identity was stolen around the time of this loan was taken out. Still without any avial they have n't made any attempts in resolving this matter. I have started filing a lawsuit against the company for it unfair and unpractical debt practices. they arent licensed to collect sets in the state of Georgia yet they still attempt to collect this fraudulent account debt from me. It is affecting my credit as well as my ability to purchase a new home for myself and my children. This debt was old to them by XXXX who has since stated that the debt was fraudulent and have removed me out of their system. now i need deville asset to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (VI).
Issue: Credit decision / Underwriting

Complaint: Nationstar Mortgage is the servicer of my mortgage. They have been sending me emails soliciting me to refinance. These emails state that my " rate will adjust in XXXX ''. While I do have an ARM loan, it is a 5 year arm originated in XXXX -- my first rate adjustment will not be until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Good Day I 've sent a letter regarding this matters and some of this has been handled however this is n't my problem. This issues are the duplication of pulled inquires on my credit report. I 've sent Equifax this information over numerous times but have not verified anything with me. I receive a letter from Equifax stating they have verified everything but never sent me anything from the companies. I 'm extremely frustrated with this matter. This will be a on going process if Equifax does not handle things on their end. I 've submitted something on the XXXX XXXX, XXXX XXXX, XXXX XXXX and now XXXX XXXX. These are the companies : XXXX XXXX XXXX X/X/2016 and X/XX/2016 XXXX XXXX XXXX XXXX : X/XX/2016, X/XX/2016, X/XX/2016 XXXX XXXX : X/XX/2016, X/X/2016 XXXX XXXX : X/XX/2016, X/X/2016,  X/XX/2016, X/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Closing/Cancelling account

Complaint: I received this creditcard ending in at my request.. Icontacted them several times to CLOSE the account, but I 'm still receivingpromotions and statements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I contacted the credit burea u ( s ) and  inform them that the information/account number being reported by   XXXX   XXXX   XXXX   XXXX  is not my account, please remove, and have   XXXX   XXXX   XXXX   XXXX  provide a sign contract with my signature. With the the loan number being reported. The information was not 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 06/17/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Was with cell carrier XXXX for several years and decided to upgrade to a better phone through XXXX XXXX XXXX. Was current with my monthly payment of just over XXXX per month. After changing, I received a bill from XXXX for {$320.00}. They just give me the excuse of early termination and old equipment charges. Now it shows up on my credit report. It 's a scam that other people I know had to deal with but, just paying this money seems like paying a ransom or something.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: I had a safe deposit box for about 15 years at Wells Fargo Bank in XXXX, TX ( Specifically it was the branch at XXXX XXXX XXXX, XXXX, TX XXXX -- Safe deposit box XXXX ). I was told when I first paid for the SD box that I would receive my deposit back as long as I return both keys to them when I relinquish the box. Last year, I relinquished the box and returned both keys to them. The representative told me, " Just sign this paperwork and I will get you your deposit back. I signed the paper which said that I have received the deposit back. At first, I was hesitant about this, but the representative assured me that he would return my deposit. So, I signed the paperwork. As soon as I did, he said, " We have no record of you putting down a deposit. '' Then he asked me to leave. 

I tried to contact Wells Fargo about this a few times over the year, but each time my request for my deposit back was unanswered. 

I simply want my {$100.00} deposit back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (NY).
Issue: Trouble during payment process

Complaint: My home had a fire back on XX/XX/XXXX. I had image in excess of 300K. After 6 months of tedious deliberations with my insurance company we came to a settlement amount. The first of 2 checks of this amount was submitted and made out to me and my mortgage company who is Citibank ( Citimortgage ).  Citibank requested documentation such as re-building proposals, XXXX XXXX for GC, GC 's contractors license and valid insurances etc. All have been submitted and processed. Meanwhile it has been over 3 weeks since they have received the first of my 2 settlement checks and as of today they are refusing to release the initial amount required ( deposit ) to my contractor so he can begin working on re-building my home. I call everyday and there is always some sort of delay or issue with their processing system. My contractor is slated to begin work Monday XX/XX/XXXX and I am forced to go into my personal savings to furnished him with some sort of down payment to begin work or he will move on to another project and I will be left to find another GC and re-start the entire permit filing process again ( which took 3 months with the City of XXXX XXXX, NY ) to get to this point of commencing. I have repeatedly told Citibank that time is of the essence and if I lose my window of start opportunity it will cause more damage to the home since it is sitting dormant with time more damage will occur. I have no other outlet as they are holding the monies meant to re-build my home and not forwarding to my GC no matter how we comply. Another issue is that they will only release a very small amount which is not nearly enough to cover the requested down payment to begin the massive work required for the rebuilding of my home Regards - 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 06/23/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Loan modification,collection,foreclosure

Complaint: Five years ago I lost my job and started having trouble keeping up with the mortgage payments. I asked Nation Star, the lender, for any help or what steps I could take. They basically told me there was nothing they could do. A friend of mine suggested re-modification. After two years of going back and forth with Nation Star they finally approved it. It was only {$50.00} less than the original, which when you do not have a job that is no help at all. At this point my savings account was drained and I could no longer keep up on the payments. I ended up moving to XXXX to be with my mom and dad so I would not be homeless. I again tried to do the right thing and called Nation Star to ask again if there was anything else that could be done otherwise I was moving and had to let the house go. I even asked if I could do a deed in lui of foreclosure. They were once again, no help at all. Now it has been 3 years since I have not made a payment and the house is still not foreclosed which is making it impossible for me to move forward with my life and get into another home. I just want them to foreclose so I can start fresh.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I recently noticed on my XXXX report that XXXX XXXX XXXX has us in " collections ''. " XXXX '' from XXXX XXXX did call me XXXX/XXXX/2015, I did not receive a letter, no verification, thought it was a scam. He did have some personal information but not exact. He was " fishing '' for info. It was apparent he pulled my credit if thats possible. He was not professional, did not verify any personal information before proceeding and then threatened to take legal action if i did n't agree to pay. I called back the number to see who would answer, it was him. I did explain personal and business issues since recession, the effect it has had on our credit, our home in foreclosure, working towards modification, i did make an offer to resolve the debt but did want debt verified, his company verified, he threatened legal action. He was indignant, WOULD NOT put in my offer, again threatened legal action. He never sent verification letter after he said he would and now i see it in collections? We lost entire YEARS of income since the recession, damages and continued loss of income with NO credit available. More bills than income. House in foreclosure. How can he threaten court without verifying debt and verifying who he called. He never read rights. One year earlier i was negotiating with XXXX XXXX, that company said they would return it to XXXX and XXXX would get back to me. We continue to struggle to get our income and home back on track.

Company response to consumer: Closed with explanation