milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/13/2017 about Debt collection (Auto debt) with Model Finance Company (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from MODEL FINANCE COMPANY. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against MODEL FINANCE COMPANY in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Debt collection (Medical) with COLLECTION PROFESSIONALS INC (Illinois) (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was paying on these bills and come to find out they were from XXXX. I was paying {$25.00} a month and every time I got one paid off. They would say add Nother one. During the time of these bills I was working at XXXX I had XXXX I also had my so security so I told him these bills should not be mine. So I just up and quit paying them almost a year ago. Was I wrong in doing till even know they should n't have been charged to me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: *** PLEASE NOTE : I have sent copies of my ID, Social, and Utility Bill previously. So please do n't ask for copies again, this is a tactic you use to avoid having to investigate the items I am disputing. Because I have already sent these documents by certified mail, if you refuse to investigate or ask again I will assume this is a refusal to investigate and will sue in small claims court as I have proof this was previously sent by certified mail*** Complaint : I previously disputed an item appearing on my credit report as identity theft. Equifax has not gone through the proper steps of validating the alleged debt. I have been a victim of identity theft and this account is not mine. I have previously provided a police report and have attached it again. 

The disputed accounts are : XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX I have sent a previous dispute to you from your Equifax site, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items properly. My previous dispute stated my reasons for an investigation and these reasons were not frivolous in any way. 

The FCRA requires you to verify the validity of the item within 30 days. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area ( XXXX County ). 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I disputed the tax liens that 's on my file on  XXXX  different occasions as being incorrect asking for verification and validation.  XXXX  told me to contact the court house whom responded with a letter stating they do n't report to the credit bureaus. I sent a certified copy to  XXXX  and  Transuinon  with a redispute, they responded with i need to contact the IRS. After contacting the IRS their response was the information is incorrect and they do n't report to the credit bureaus. Once again i sent a certified letter to the bureaus with the IRS response and ask that since they have not sent me any type of verification or validation to please delete the information from my file. Transunion have not responded ( even though its been over 30 days  ) a nd   XXXX    stated that they recieved the information from  XXXX   XXXX . At this point I feel as though i 'm getting the run around and nothing is being done. It 's very frustrating and stressful.

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 04/20/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My Bank of America owned home mortgage was sold to XXXX and I was notified by BofA 10 days prior to the transfer not the required 15 days. 
Also, my mortgage was sold to a bank in TX, a state I have refused to do business with in the past and vehemently refuse to do business with now. Do I have any recourse to find a different company?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Vehicle loan or lease (Loan) with Westlake Services, LLC (MD).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: I called for a payoff amount in XXXX of 2014 on my vehicle loan, and I paid the amount I was told which was {$260.00}. I did not receive a clear title, however I still had my title with the lien holder on it, and I wasn't selling the car, so I didn't think anything about it. I tried to obtain the title recently, and I was told that I still owed money, however I was never contacted about this, and no attempt to collect the money was ever made by XXXX XXXX. I don't feel I owe this money, as I was told the amount to pay by XXXX XXXX when they gave me the payoff. I just would like to get a clear title.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Using a debit or ATM card

Complaint: I was the victim of a identity theft. Once I became aware of the situation I notified my bank and filed a report with the FTC. Initially, the bank refunded the fraudulent charges but they have since taken back the credits and closed my accounts. They still owed me {$1500.00}. Then they accepted a deposit from my employer after my account was closed and are refusing to give me this amount as well. I filed a police report in XXXX, XXXX and also in XXXX XXXX. I was contacted by the detective in XXXX today ( XXXX/XXXX/16 ) and was told that they have the suspect in custody. He had the forged identifications in his possession at the time of his arrest. We have been going back and forth with the bank for 2 months to get this issue resolved. At this time, they are showing that money is owed to them by me from the fraudulent charges. The manager at the branch office that I have been working with is now telling me that they are too busy to help me further. I have submitted copies of both police reports and the FTC report to the bank and they are still not willing to resolve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2018 about Debt collection (Other debt) with CL HOLDINGS LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am not sure when this contract may of been written and I have NOT RECIEVED ANY DOCUMENTION OR CALLS DIRECTLY. They have called my XXXX - however, he would not be the account holder. 

I 'm requesting for this debt to be removed from my credit report immediately. The dates listed on XXXX XXXX do n't match - XX/XX/XXXX. 

I 've been covered on another cellular plan for the past 3 years - therefore, I do n't think this debt is mine. 

I am trying to move on in life - but, these types of debts are holding me back. 

Thank you for your consideration to my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently received a copy of my Credit Bureau Name credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 

Thank you for your help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Bank account or service (Other bank product/service) with CIT BANK, NATIONAL ASSOCIATION (CO).
Issue: Account opening, closing, or management

Complaint: This complaint concerns the ability of consumers to reach, communicate and deal with, the department in the Bank that handles IRA accounts. My daughter had an IRA account at OneWest Bank in XXXX XXXX, California. She passed away, and I am her heir, and the court-appointed " personal representative '' of her estate with Letters of Appointment from the Court. My regular banker who handles deposit accounts at OneWest tried to get the IRA section 's attention to deal with my daughter 's XXXX. They essentially blew him off, never sent me any email or called me. I tried to call the XXXX section of the bank and was told I could not speak with anyone if I did not have my daughter 's XXXX account number. Apparently, the XXXX section is completely insulated from customers and will not talk to customers or court-appointed administrators. If that section of the bank is unresponsive to the retail section of the bank and will not speak with me, how do I make a claim or get the money from my daughter 's XXXX account? Beyond that, there seems to be a marketing violation of the California unfair competition laws in that the separation of the XXXX section from the rest of the bank and that section 's refusal to deal with the public is not clearly or adequately disclosed. They want to market and sell XXXX but not service them. That is XXXX service and not disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with fraud alerts or security freezes

Complaint: I need to get a fraud alert -- that had been placed on my credit file by Equifax 4 years ago -- removed.   I applied for a secured credit card with  XXXX   XXXX   4 w eeks ago. I received no decision from  XXXX   XXXX  and when I called in to ask why, they told me that 'they were unable to process my application due to the fact that there was a fraud alert on my Equifax credit report '. This alert had been placed on the credit file by me -- but it was placed on my credit report over 4 years ago.   XXXX   XXXX   gave me the phone number to contact Equifax to remove the fraud alert :  XXXX . That phone number goes to an automated system where the only thing you can do is order a copy of your credit repo rt ( not make any edits/remove fraud alert ). I called 3 o ther Equifax phone numbers -- all went to automated systems with no option to speak with an Equifax representative. I called  XXXX   XXXX  back and they had no additional contact phone numbers for Equifax. I would like to get this Equifax fraud alert removed so that  XXXX   XXXX  can process my credit card application.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have paid in full the attached accounts balances and notified the credit agencies, but the balances still remain on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: XX/XX/XXXX, I got the American Express XXXX XXXX credit card during a period when they were offering XXXX points after spending at least {$3000.00} in the first 3 months. 

XX/XX/XXXX, I met the minimum spend of {$3000.00}, less than 2 months after account opening. 

XXXX, I still had not received the points so I chatted online with a customer service representative who told me the points would post 6-8 weeks after meeting the minimum spend. At this point it had only been 7 weeks, so I waited a little longer. 

XX/XX/XXXX, still no points. So I chatted online and the representative told me the points should be there in 7-10 days but I might have more luck if I call the number on my card. So I did that. But this representative told me the same thing, 7-10 days. So I waited. 

On XX/XX/XXXX, still no points so I chat online and the customer service representative told me I had already received the points. After some 20 minutes of argument I realized that he was talking about a XXXX point referral bonus I was awarded for referring my boyfriend ( despite confirming at the beginning of the conversation, I see youre inquiring about the sign-up bonus ). So I give up on this guy and call on the phone. The phone representative apologizes profusely, tells me the problem has been escalated, it should be resolved in 24-48 hours and a supervisor will call me to let me know. 

XX/XX/XXXX I receive a voicemail from a supervisor named XXXX telling me that the problem has been resolved and if I have any questions I can call him at his extension. 

XX/XX/XXXX I look at my account, still no points. So I call up and tell the representative that I want to speak to XXXX. He tells me XXXX is not there but another supervisor will call me back in 24 hours.

XX/XX/XXXX 24 hours later and still no call, so I call them. The rep I speak to tries to argue with me that for some  reason Im not actually entitled to the points so I ask to speak to a supervisor. That supervisor tells me that Ill get the points by XX/XX/XXXX. This time I push very hard and explain what Ive already been through, that I dont really believe her because Ive been told such things many times now, and isnt there some way to just credit the points to the account now? No, I have to wait until XX/XX/XXXX and the points will be there. 

XX/XX/XXXX Still no points. So I call them up again. A representative named XXXX tells me there is a technical error and she does not know when Ill get the points. She can not give me a date. I 'm now wondering if I will EVER get these points, and I feel bad for those folks who literally do n't have the time to go through all this frustration and are forced to just accept that American Express has screwed them out of about {$600.00} worth of points.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Mortgage (Other mortgage) with ACADEMY MORTGAGE CORPORATION (CO).
Issue: Application, originator, mortgage broker

Complaint: Hello, I need to submit a formal complaint against Academy Mortgage, XXXX XXXX XXXX, CO XXXX for making a credit inquiry without consent and without my knowledge. In XX/XX/XXXX I made an appointment to discuss the possibility of buying a home. They ran my credit at this time and then did not follow up with me about what my pre-qualification was. After 2 months of waiting for a response, I contacted the loan officers an let them know we where very unhappy with them but ultimately still needed our pre-qualification information so I could proceed with home buying. At this time, I explicitly noted I did not want my credit to be ran with them again and that if there was a laps in qualification time I wanted to go to another company. They apologized, said that they absolutely were not going to make another credit inquiry and that they did n't have to until XX/XX/XXXX and could still get our qualification. They went unresponsive again. I was alerted by XXXX today that they made another inquiry into my credit, and my mothers, and this was done without consent and acknowledgment. 

I have emails between Academy Mortgage and stating that we did not approve them to do this and would like to report the branch and the loan officers involved and hopefully get this inquiry removed from our reports. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with EQUIFAX, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax failed to report correctly and after multiple disputes and investigations, they have always come back to the same conclusion without investigating and are slow to even help me with my issue over the phone/writing and now this complaint. My last complaint i made to them, I 've told my side of the story, it came back twice that debt was mine from Equifax and they also sent me a free credit report but was still reporting. Finally the Original Creditor took it off my report because it was FALSE, but as an example, Equifax was no help prior to that. 

My issue this time is the same. They are reporting that i have an Open account with XXXX. I DO NOT, and this has been dragging my credit scores down for over 5 years now. They need to take me seriously and take this off of my report. I have personally found every piece of evidence that i do not have a loan open with santander. 


I have reported my issue with XXXX ( XXXX ), i have written a letter to contact my XXXX representative and Senator, and I 'm now writing to CFPB for more help. Both XXXX and XXXX have helped me very quickly because it 's obvious. Equifax will need to fix my issue immediately. I have finally found every piece of evidence to prove to CFPB and if i get denied again, ill will take further action. 

I have attached my equifax report on XXXX. It shows its an open loan and is still paying. This is account is PAID AND CLOSED. this account was joint and i was not even sent bills nor paperwork. I have never lived at the las vegas address that is listed from XXXX. I did not sign anything for XXXX. Name says " PRIMARY = XXXX ''. Equifax have also failed to change my info. My middle name is spelled wrong. This goes to show, XXXX and Equifax did not make a good enough job when i was added as a co applicant or going through paper works. 

i have attached a bill that says last payment which is XXXX balance on the loan in 2012 but how is Equifax reporting that its open and still being paid? Equifax has been ruining my life and credit score over this and it needs to be fixed. Many Fair Trade Acts are being broken here and i time in the next couple of months to go as far as i need with this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (MI).
Issue: Account opening, closing, or management

Complaint: i didnot sign up for this service i got your letter ref # XXXX and looking for a refund I XXXX XXXX CARD ending inXXXX

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 01/16/2018 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (TX).
Issue: Trouble during payment process

Complaint: Refer to case number XXXX copy enclosed Recived foreclosure notice, copy attached. XXXX XXXX cashed most payments then returned last payment demanding a {$22000.00} payment. I retained another lawyer. Letter attached. Foreclosure set fo XX/XX/2017.. XXXX XXXX have been devidingmy payments, taking payments for Tax escrow despite the fact that taxes have been deferred because of homestead exemption of elderly XXXX owner. One rep of Fay told us to carry our homeowners insurance. We got our own coverage. Fay sent notice stating that they would pay for insurance. Now we were paying for insurance and Fay was charging our account with insurance further deleting our applied payments meant for the mortgage. please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Aargon Agency, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Collection Agency Aargon Agency is not located on my state secretary website that this agency/company is licensed and/or bonded to collect in my home state of Florida. Debt was last reported XX/XX/3018 in the amount of {$180.00}

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Debt collection (I do not know) with Receivables Management Partners, LLC (MI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: They continue to call my place of business. I have no knowledge of any other communication and have not received any letters

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Credit reporting () with EQUIFAX, INC. (ID).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have tried numerous times to get a free credit report and do the annual credit and it says the information i 'm not putting in is correct when I know for a fact it is, it ask strange questions about home loans being taken out in 2011 and i 'm only XXXX and have never purchased a thing in my life. So I definitely think something is wrong.

Company response to consumer: Closed with non-monetary relief