milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-12-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a chapter XXXX bankruptcy in XXXX of 2015 which was switched over to a chapter XXXX in XXXX of 2015, that same year. The chapter XXXX bankruptcy still shows on my credit report as dismissed while the chapter XXXX has been discharged for a year now. So i have XXXX bankruptcies on my credit report when i have only filed the one. It is hurting my ability to recieve any type of loan or anything of that sort.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information through poor security practices which has put the majority of adults in this country at risk for credit fraud. Their handling of this breach and the lack of security preparations is disappointing. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Equifax should be held financially and legally responsible for every account and victim if any fraud occurs. The whole situation happened due to their poor security despite their knowledge that their information is critical to hundreds of millions of people. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX, old credit card accounts, closed, sold to debt collectors. XXXX continues to send derogatory credit reports to the credit reporting agencies. This is unacceptable as XXXX no longer has any business at all interfering with my credit status.

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 11-03-2015 about Payday loan () with Pacific Rim Alliance Corporation (AZ).
Issue: Charged fees or interest I didn't expect

Complaint: After paying on this loan since XXXX of 2014, I would call just to find out that the amount of the loans continues to stay around the amount the I borrowed. I was not under the impression that the payment that I make every payday most if not all is going towards the payment. I came to find out that it 's only paying towards the interest.

Company response to consumer: Closed
Consumer complaint received 06-10-2016 about Consumer Loan (Installment loan) with Quick Bridge Funding, LLC (CA).
Issue: Shopping for a loan or lease

Complaint: Quick Bridge funding procured my personal information in order to fill in the missing pieces such as social security number and signature and process and approve a loan for my business on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 

Quick Bridge funding added my social security number to an application in order to run my personal credit. Quick Bridge provided me with documentation purporting to be authentic. However, after reviewing the documents, I discovered the following errors : 1. Applications were from XXXX companies not named Quick Bridge Funding 2. My social security number was added to XXXX application, clearly in a separate font, without my permission. 
3. No application number was included on the stated application 4. The address on XXXX application is incorrect 5. The signature on XXXX application is a photoshop copy of a general signature available through state documents. 

On XXXX XXXX, I spoke with XXXX at Quick Bridge funding and although he did try and defend his company, did admit that the problems mentioned above were accurately described. 

In my last written communication with Quick Bridge, I stated that I would escalate this matter if they did not pull their reporting off my personal credit by XXXX XXXX, XXXX.

Company response to consumer: Closed
Consumer complaint received 12/21/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (MA).
Issue: Deposits and withdrawals

Complaint: I accidentally left a check made out to myself inside of a rental car. Reported it promptly to Chase, and even though it was made out to myself, and had a forged endorsement, Chase and the depositing bank allowed it to be cashed by the scammer. 

Chase closed the investigation, within a week, BEFORE processing my affidavit or even attempting to investigate, due to " Lack of Care '' on my end because I left the check somewhere. The police department assigned a Detective who is actively looking for a suspect, and wants to prosecute, yet Chase just dismissed the claim, even though it clearly is a case of check fraud, and I reported it to Chase the same day I realized the check was missing.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Consumer Loan (Vehicle loan) with Rausch, Sturm, Israel, Enerson & Hornik, LLP (WI).
Issue: Problems when you are unable to pay

Complaint: I have been attempting to gather the correct balance of my deficiency balance for the past 6 months. I submitted a validation of debt dispute with Rausch, Sturm, Isreal, Enerson and Hornik LLC on XXXX/XXXX/2015 through email along with certified mail. The balance of XXXX was incorrect. I received a response to my dispute of the debt from this law office on XXXX/XXXX/2015, in which they indicated that they verified the debt. Once I reviewed the documentation that Rausch, Sturm, Israel, Enerson and Hornik provide. I noticed that the sale proceeds from my car was never applied to my account balance. I reviewed the documentation in 5 minutes and it was clear that the proceeds had never been applied. Based upon my dispute this company continued to misrepresent my debt balance. Once the dispute was submitted it was on this company or the company that retained them to review all documentation thoroughly prior to responding to my dispute. In which this company did not. This is a clear violation of the fair debt collection act, due to the misrepresentation of the balance that is owed. Please be advised that this loan was originated through first investors financial corporation. This incorrect balance has also been misrepresented on my XXXX credit report as well. This is an issue that XXXX has been penalized for in the past.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2018 about Payday loan, title loan, or personal loan (Payday loan) with Cottonwood Financial Ltd. (TX).
Issue: Charged fees or interest you didn't expect

Complaint: Took out this loan for school around XX/XX/XXXXI have always paid on time {$240.00} they call me every Thursday when Im at work I have stated to them many time not to call me just to draft money one time they told me I only had to pay XXXX  that if I wanted to save money for the the month so I asked what the catch that I didnt want to pay more or refinance they said nothing that I just had to go in and sign papers and everything world stay the same I asked this question multiple time if anything would change lady lied to me I called today and my payment reset so I have to start all over again I did not receive anything when I refinanced

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has failed to protect my personal information from unlawful and unauthorized access, as well as the information of millions of other Americans. Despite knowing about this breach since XXXX XXXX, 2017, they waited weeks to release this information, putting my financial future at the risk of fraud all the while. When they did release information regarding the breach, they did so by reporting it through press releases, such that myself and other could have possibly missed the report. Further more, rather than informing each individual affected by the breach, they chose to setup a website where each person would have to personally check if their information had been made vulnerable. What 's worse is that the website was a domain separate from Equifax 's main website, meaning they were further exposing myself and others to the possibly of fraud from copy cat domain names.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted the credit bureaus on multiple days and advised them that I had inquiries on my credit report that I did not authorize. They told me that I would need to get ahold of the companies and dispute with them. I advised them that I have contacted the companies multiple times and they have no record. I have asked for validation of these inquiries and have not received a response. I want these inquiries off of my credit report NOW. This isnt fair to me because it may not be a big impact but there is an impact and its hurting me.

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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On my Equifax report, there are multiple hard inquiries that I do not recall applying for. 4 to be exact. it goes in this order : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX ( this one is also on my XXXX report ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( I 'm not sure what XXXX is ) XXXX XXXX, XXXX I have always been approved for the cards that I apply for. 
I have also had a cell phone financed through XXXX for over a year now, so I do n't know how that ended up on there. 
and XXXX XXXX, I have never heard of this company before.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: A balance from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  credit card debt was sold to Portfolio Recovery Associates. There was no debt validation provided from Portfolio Recovery Assoc.The  balance was paid off to the collection agency although there was no signed contract with the company. I was told by the agency that the collection inquiry would be removed from my credit score once  debt was paid.   Has reached out to company several times about this promise and Portfolio Recovery Assoc. has failed to remove the closed account from credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-06-2017 about Vehicle loan or lease (Loan) with DriveTime (TX).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: Since originating my loan with Drivetime, I have had nothing but issues. If I was ever one day late on my EVERY two week payment plan, Drivetime started calling me and harassing me nonstop. They called me multiple times and harassed my co workers in an   XXXX   at the  XXXX . I told them to stop calling my place of employment but they did not stop. They also repeatedly harassed my references after I told them to stop and called me all day and late evening at home. Multiple calls in a day almost hourly. They would not work with me on a payment plan to catch up and once the vehicle was repossessed they report wrong amounts and different repo dates to the credit bureaus. They have violated many of my rights as outline in the FRCA like The Fair Credit Reporting  Act, 15 U.S.C. 1681 ( FCRA ) is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies - for one. I had told their representative to only contact me in writing, they refuse to do this. They  prey on people with subprime credit and make matters worse doing it illegally.

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 07/15/2015 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Problems caused by my funds being low

Complaint: Santander bank failed to comply with their funds availability policy ( that the first XXXX $ of ATM deposits will be available on the first day after the day of the deposit. 
This failure caused a " default fee '' to be charged ( by them ) when the XXXX $ was not available the next day. 
On XXXX XXXX, 2015 I made a ( Non-envelope ) ATM XXXX of a {$4000.00} check, and on XXXX XXXX an automatic payment was rejected for insufficient funds because XXXX had decided to hold the funds until XXXX XXXX. 
In the months that followed while trying to resolve this, I have been lied to ( and even threatened ) repeatedly - in person, by phone and by letter. I have never been given any justification for the banks actions except that " they reserve the right to not honor their own policy '' ( a reservation not stated anywhere in their policy ) I am a long time customer in perfect standing ( the account involved is more than 30 years old ) which was well before Santander was allowed to come from XXXX and take over United States banks. 
The are links to the bank 's posted policy and related US bank rules:1-XXXX2-XXXXthe entire Santander account agreement : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX XXXX XXXX , XXXX unauthorized use of my name account unknown verification or debt and original proof provided

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 04/14/2017 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: I am a victim of predatory practices from XXXX. The company sued me where I did not live and used lawyers to harass me. These lawyers have access to my personal credit report, my number, my residence and my employment. The company sued me and obtained a judgment against me. They obtained a wage garnishment and are garnishing {$1800.00}. They used XXXX and XXXX attorney to represent them. I never lived in XXXX located in XXXX, CA, when they served for civil court. This was done about 4 years ago. In addition, recently I went to court on XX/XX/2017 to request claim of exemption. In court I informed civil judge XXXX about the wrongful of serving and that a wage garnishment will great a financial hardship. I have concerns about the way my rights were violated from Judge XXXX, attorneys XXXX, XXXX and XXXX.The judge denied my request of exemption. These are the reasons and concerns about this matter ; my credit report currently does not show a collection reporting from that debt, 5 years ago my credit report did not show a collection reporting from that company, currently my fico score shows good standing, XXXX is a collection agency and a third party, different attorneys are representing this company, the attorneys have violated my rights, the judge violated my rights and I am a victim of discrimination. In court I did n't have a lawyer to represent me, and the judge allowed XXXX to humiliate me. XXXX stated, it was my fault and I asked for this, family comes second, my other financial obligations comes second and requested above the 25 % wage garnishment. In my opinion this is unlawful to harass me in such a way. Furthermore, I pleaded less than $ XXXX monthly levied garnishment and that I could n't afford a wage garnishment above 25 %. Last, I felt violated at the end of the court hearing. A judge or lawyer should not be above the law.

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 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (MA).
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 am a victim of negative inquiries. I have XXXX negative inquiries on my credit. I talked and wrote letters to each of the companies and no action was done. And customer service would not help me. I would like for the following unauthorized and unaware XXXX to be removed from my credit report please : XXXX XXXX, XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD AUTO FINANCE

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: On XX/XX/XXXX I sent an email to the head of Capital One requesting a Goodwill Adjustment tothe negative marks on my credit report in reference to my auto loan. In spite of being charged nearly double for my car after financing by Capital One, I was a favorable customer for the first two years of my loan, paying my bill on time or early, up until the time I fell on financial hardships in XX/XX/XXXX due to being laid off. As a matter of fact, although laid off in XX/XX/XXXX, I continued to keep my Auto loan a  priority and it remained current until XX/XX/XXXX when my savings ran out. 

After my lay off, I ended up incurring roughly 14 months of negative payment history. However, once I regained employment and was able to again reorganize and build up my finances, I also caught up my Capital One Auto Loan and have kept it in good standing. 

I included all of this information in my request to Capital One, and was notified via phone, last week, and via mail, today XX/XX/XXXX that my request to remove the negative marks as a show of goodwill was denied. I was also given no reason. 
I explained to Capital One that I am attempting to purchase my first home, and that these derogatory marks from the period when I was experiencing financial hardship are the strongest factor in preventing me from getting a good interest rate on a home.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Deposits and withdrawals

Complaint: BBVA COMPASS BANK Online Banking App states if deposited before XXXX XXXX, that day is considered a " business day '' ... .4 business day hold ... i deposited my check at XXXX XXXX thru said banking app ... .CR states the deposit happened at XXXX XXXX ... .NOT CORRECT So Compass Bank says Friday is not considered a business day. 
Compass bank is holding my funds until Thursday XXXX. which is longer than 4 days. 
CR states that i was made aware of " terms may change '' when i opened the account. I was NOT made aware of said " caveat '' bc i 've had this account for years and the banking app only became available recently. 
Compass Bank CRs ca n't or wo n't tell me where my check is in this holding process and wo n't explain the holding process either. CR states Federal Regulations are at fault but i agreed to no such scenario. CR states there is nothing that can be done and will NOT give me a phone contact # to call the Compass Bank corporate office. ( which again is unethical as this institution holds my $ $ and will not give me the appropriate contact info i desire ) Online Banking App is misleading and Compass Bank practices are unethical to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: I signed up for a 2nd mortgage -- a 2nd Balloon Mortgage- without really understanding it completely. That was my fault. I was laid off ( this was years ago ) I was unable to pay my 1st mortgage or my 2nd. Eventually I got a loan modification on my first all the while requesting that we address the 2nd at the same time. I was repeatedly told -- not not now..later. Later never came. After multiple attempts to work with BOFA to start paying on the 2nd loan I gave up. Now, I am trying again. And they are working with me to an extent but still vert shifty and vague. All i want it to renegotiate my loan -- start paying on the PRINCIPLE- and pay off the loan. I am gainfully employed now and can do it. I have JUST started to talk with an account officer at BOFA and will be going through the process next week. I am filling out paper work now. I know there is no guarantee that this will result in anything different than what I have now. I need advice and help. Thanks! XXXX ps. this is NOT thug loan -- I am {$14000.00} late on payments and the original loan is worth {$25.00}, XXXX. Can you help me or direct me to some one who can? Thanks!

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