milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Closed since 1985

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted the the card companies as well as the credit agencies. Ive been dealing with Identity theft for over t he last two y ears. There are  XXXX  credit cards that were opened that I did not authorize and they are using my correct social security number but incorrect date of birth. I would like for these credit cards to be removed from credit report.       1.  XXXX     XXXX   XXXX   ( OPENED DATE  XXXX / XXXX /   2016  )  2  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ) (  OPENED DATE  XXXX / XXXX /   2016  )

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Santander USA calls me every day and on at XXXX occasions they did not leave a message. On XXXX/XXXX/16 I received a phone call on my cell phone while I was at work, I advised the agent that I can only take calls that are considered to be an emergency. He states this is an emergency but a past due bill is not. He states to call them back, but the fact that an agent called me on XXXX/XXXX/16 at apprx XXXX from phone XXXX lied and I advised him I could lose my job if I have to stop doing my work to answer calls. A past due bill is not an emergency but I had an important phone call back in XXXX when my aunt passed away which was an actual emergency. I could lose my job over this. I have spoken with a few people that advised me that Santander USA has did this to them also. I also asked for help to move XXXX payment to the end of the loan but I was told I would have to wait until I made XXXX payments to do that. I am on the process of changing banks because I am having fraud issues with my former bank, I was notified they will not honor any more payments. I am willing to make XXXX payment on XXXX/XXXX/16 but I need XXXX or XXXX payments put on the backend of the loan until I get this matter straightened out. Santander should not use scare tactics to get people to talk to them, I also want late fees and any credit reporting removed from my credit report. What they are doing is illegal because the agent yesterday claimed this was an emergency which was not. I have the recorded call as proof as well. I am asking for any credit reporting to corrected due to the scare tactics, I actually have the call recorded on my phone if Santander wants to hear it. This call was about a past due balance and this was not considered to be an emergency per my employer. He states this was an emergency call, I advised I am at work but he states again it was an emergency which it was not. It is illegal for a company to claim a call is an emergency when it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I went to a trade school in XX/XX/XXXX the school was called XXXX XXXX XXXX  XXXX in XXXX XXXX CA, got shut down while I was taking my course and the school closed due to fraud, I already submitted a paper work to Navient stating the school was shut down. I have been in differed status with my student loans since XX/XX/XXXX and in XX/XX/XXXX for some reason the student loan reported on my credit file as late in XXXX and XXXX of XX/XX/XXXX. That is hurting my credit score the department of education from XXXX stated they were going to remove the late payment history to show as current and they still have not done anything.

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 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I just recently filed a complaint through CFPB due to  XXXX   XXXX  showing an inaccurate delinquent account on my credit report since  XXXX . My most recent complaint from  XXXX  was me asking  XXXX    XXXX   to remove the account completely from my credit report and their response was that they are unable to remove the account because it did in fact exist. What I guess I needed to clarify is that I 'm fine with the account showing up on my credit report but it still shows up as a delinquent account which is completely inaccurate and it has caused my credit score to plummet in the last 2 years and now is the reason I can not refinance my  XXXX  student loans. So the delinquency part of the account is what needs to be removed from my report.     Also, I have submitted requests to the credit bureaus to eliminate the delinquency from my account and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Consumer Loan (Installment loan) with Acceptance Solutions Group, INC (OH).
Issue: Managing the loan or lease

Complaint: In XXXX, I needed additional cash, so I applied online at XXXX or ASG. Everything was fine initially with the installment loan. I received an offer to obtain another loan so I took advantage of it. That is when the nightmare began. they began taking out double payments from my account. I had to end up closing the account. There is a person there named XXXX who is the most disrespectful and unprofessional person I have ever spoken to, they have taken money out of my account so many times now its unreal. This is horrible, wish I had never taken the loan. XXXX claims to be a supervisor, whoever he yells at me and is so condescending.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have sent letters requesting these " debts '' to be verified and they have not responded then today I do a compare between my reports and the same " debt '' is showing up with two different company names and one will show Open and is a Charge Off then the same account with a different name will show Open Refinanced or Renewed this shows on all four which I have attached screenshots of. I have NEVER spoken with this company to " Refinance '' anything seeing how my ONLY correspondence was sending them letters asking for Validation from Central Financial Control I have even less idea who Syndicated Offices are. How can two differently named companies be on my report for the same " un-validated debt ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Response below : Equifax did not securely store vital financial data they collected on me and millions of other people. Once the data was stolen they did not notify me directly, and had no appropriate solutions. Vital current information, like bank account numbers, addresses and drivers license number were left exposed, as was permanent information, like my social security number. This means I am for ever at risk of identity theft and tax fraud. The only solutions offered by Equifax have been temporary, limited to the next couple of months. Additionally, they have used this as an opportunity to promote other services, trying to make money from their own failure. 

The few options I have as a consumer ( checking my credit score, credit freezes and fraud alerts ) have been nearly impossible with all three major credit companies ( Equifax, XXXX XXXX XXXX ). With Equifax in particular it has been completely impossible, since they seem not to have the resources to deal with all the affected customers. This means I have to spend several hours trying to solve this problem. Additionally, over the course of the lifetime this hack will affect me, I will have to keep spending time and money to freeze and unfreeze my account, and to monitor my credit. This is entirely caused by a company I never chose to have business with in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a collection placed on my experian credit monitoring by : XXXX. I sent a letter to the collection agency with a request for full debt validation on XXXX XXXX, XXXX. They received my request on XXXX/XXXX/XXXX ( I have all receipts sent by registered mail ). They sent back the total charges billed provider. However that is not a validation of the debt as described with the Fair Debt Collection Practices Act. There is no description of services rendered, explanation of how the alleged amount was calculated including interest, no copy of any signed agreement between me and the billing agency, nor was a complete payment history present with the original creditor. I sent out another letter again, requesting for validation of the debt, they had thirty days to respond according to the FAIR CREDIT REPORTING ACT. They received the second request on XXXX/XXXX/XXXX and never responded. I sent the receipts and a letter to experian that the thirty days passed and I received no validation of my debt and I had asked experian to remove this collection immediately. Experian however did not delete it from my credit and wrote that it is under investigation for 45 days That was on XXXX XXXX, XXXX, where two months have passed from that date. This is not a valid collection and it needs to be removed of my credit, there are many violations in place here.

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 06-09-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I used the website XXXX provided on the FTC website in hopes of receiving my annual credit report from XXXX, XXXX, and Equifax. I obtained my XXXX credit report with no issues on. I logged back into XXXX XXXX/XXXX/2016 and attempted to receive my free credit report after verifying my identity correctly from XXXX and Equifax. Equifax and XXXX responded that I had already requested the reports less than 12 months ago. I never initiated the process of retrieving the credit reports from XXXX or Equifax. My complaint is unlawfully not having my yearly free access/copy of my personal credit report according to the " Free Credit Reporting Act '' using XXXX. XXXX and Equifax are denying my right to access this based on the assumption that I have received the credit report which has no grounds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The three main CRAs are reporting student loan accounts that are ten years old and have been requested removed via the FCRA ; those same bureaus are reporting balance transferred, closed accounts, or delinquent on these older accounts ; several of the closed student loan accounts are also showing unknown on payments for several years, except for late payments within those accounts ; I have called the original creditors off those loans/ accounts and they have stated the account is no longer accessible and they do not report to any off the CRAs. I am requesting immediate removal of those accounts labeled under XXXX XXXX ( 2 ) ; XXXX XXXX XXXX ( 2 ) ; and XXXX XXXX XXXX XXXX XXXX the above aforementioned accounts have been requested for removal

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Servicing of my FHA mortgage with Chase was transferred to XXXX as of XXXX/XXXX/2016 effective XXXX/XXXX/2016. I received no letter from either party ( Chase or XXXX ) regarding this transfer. 
On XXXX, I received a final tax statement for my mortgage with Chase, and called them to see why I was receiving a final tax statement. They informed me my mortgage was transferred to XXXX and that I should contact them. I informed them that I received no letter/communication from Chase or XXXX ... they 're response was " well, the loan is with them, you need to call them ''. I called XXXX today, every bit of information the representative gave me was inaccurate and when I corrected her of the legal obligation to send a letter, she said " oh, ok. Yeah that sounds right ''. This nonchalant attitude is not only unprofessional, but it 's scary. 
I asked her to confirm that late charges would not be assessed because of the grace period and she cut me off and said " you 're late, so you have to pay fees ''. I reminded her that LEGALLY there is a 60 day grace period with transferred loans, her response was " oh, ok. Yeah that sounds right. Well, if that 's the law then you wo n't get fees. ". I 'm terrified that we will lose our home due to their inept and predatory practices. What are the options?

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Despite several attempts to clarify or correct several medical collection accounts, Experian continues to verify without producing anything but a form letter in response with the statement that " Experian will not investigate this information again. The accounts in question are both unknown and unverifiable because of the incorrect address and provider names. I did not receive service during the time frame and from the providers listed and can only assume that their " furnisher '' or vendor is providing unsubstantiated and erroneous data thus harming my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received debt collection letters from XXXX different debt XXXX over the past XXXX demanding payment of {$1000.00} for goods or services owed to XXXX. 

The original collection letters and payment demands contained a name similar to mine and addressed to an unknown address for services of unknown nature. 

The most recent demand letter came from AFNI Inc. and I sent them a certified return letter informing them that this was not my debt and to cease and desist with further collection attempts as per FDCPA requirements Also to validate the debt via a copy a signed credit agreement or contract for goods or services associated with the alleged debt. 

AFNI Inc. answered my certified letter advising that they would acknowledge my request to cease and desist with contact and a blank payment coupon from XXXX dated XX/XX/2015 that has since been altered to reflect my business address and last name spelled correctly as proof of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off my mortgage on XXXX XXXX, 2015 to Nationstar Mortgage. 
The lien release/Release of Mortgage/Satisfaction of Mortgage hasnot been recorded in the XXXX XXXX, Florida as ofXXXX XXXX, 2015. Florida statutes deadline to record is XXXX daysfrom the pay-off date for this matter. I have called to NationstarMortgage numerous times to resolve this issue with no success. 
The mortgage is under my wife, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Vehicle loan or lease (Loan) with FC HoldCo LLC (MN).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: This is stemming from a few complaints back in XXXX 2017. All in all i was lied to several times over the phone by Flagship Credit Acceptance representatives to coerce a payment from me. I was lied to about their policy of access to the online portal to make payments. To this day i have NEVER been able to make a payment online through their portal, even when i was current. I was lied to by reps about what information i would need to login online, and whether or not i would have access. FCA violated several provisions of the CFPB ( UDAAP ) but using false and deceptive tactics to coerce an individual into paying them money by lying to the consumer and misrepresenting the status of the debt and status of the ability to make a payment. 

Since XXXX I have been trying to make a payment online, and be treated fairly like the other customers of Flagship and setup recurring payments. I have not been allowed to do that by Flagship which is discrimination. Others have the ability but i do not. I have not been able to make any payments for a few months due to this. 

Their entire system models XXXX XXXX 's corrupt system. It seems they are intentionally not allowing me to pay online so that i do not make my payments and they can charge late fees and " per diem '' interest rates daily to make more money. This company is wildly abusing its power as a lender in the USA. This should not be allowed. They then preach you can call in over the phone, but their reps harass you and threaten to repossess the vehicle the next day as a tactic to coerce payment, ( its happened to me several times, so i no longer call because i get abused when i do. )

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 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: XXXX REFUSES TO VALIDATE THE ERRONEOUS DEBT BEING REPORTED BY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IN. 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 non-monetary relief
Consumer complaint received 02/13/2017 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: WAKEFIELD XXXX XXXX TN XXXX XXXX The company claims that I owe {$970.00} for a medical bill that was already paid through my insurance according to XXXX in XXXX, TN. I have been to civil court several times however we never see the judge. I consult with the lawyer and we always reschedule. This item is negatively affecting my credit score, and I wish to resole it quickly.

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 09/22/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MN).
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint: On XXXX XXXX, XXXX I XXXX XXXX, Minnesota XXXX, signed a deal from Chrysler Financial at XXXX XXXX XXXX XXXX, for a XXXX XXXX XXXX. With that I also traded in my XXXX XXXX XXXX. 
Because I currently receive workmen compensation ( WC ) I was allowed to come back on Friday, XXXX XXXX to pay {$500.00} down and provide the paper copies of my WC payments I received in XXXX XXXX. 

When my temporary license plate paper expired on XXXX/XXXX/XXXX, I called the dealership to find out about my permenant plates. At this point, I was told that funding had not been completed on the bank side. I was asked to verify why my check stubs stated vendor payment? I then reminded the dealership of my WC and provided my doctor 's note. 

After not hearing anything I was then contacted by the dealership XXXX/XXXX/XXXX stating that the bank needed tangible verification of my child support ( CS ) payments verses the screen shot I had sent. I then emailed over the my scanned paper statements for my CS payments that day. 

On XXXX/XXXX/XXXX, I was again contacted by the dealership to provide my bank statements. I submitted those by email that day. 

Finally, I was contacted on XXXX/XXXX/XXXX by the dealership stating that the bank needed a XXXX statement verifying my employment and WC. I emailed a copy that next morning. Now as of yesterday XXXX XXXX/XXXX/XXXX XXXX, the dealership informed me that I may need to return the vehicle. When I asked about my trade in vehicle, the dealership stated that they were not exactly sure where my vehicle was and that they could possibly cut me a check for the manufacturer price. They then informed me that it was not their responsibility in regards to my transportation. 

I am so confused and saddened by my experience with this car purchase. I do n't know what more to do.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Bank account or service (Other bank product/service) with CITIZENS FINANCIAL GROUP, INC. (IL).
Issue: Making/receiving payments, sending money

Complaint: Our company sought to obtain a loan in the amount of {$250000.00} from XXXX XXXX, XXXX XXXX. We were required to submit a 1 % retainer for the loan, which would then finalize the requirements. Unfortunately, the firm located in XXXX, was conducting fraudulence and walked away with our money. XXXX XXXX evaded all contact with our company and never fulfilled the contract we had. 

*Enclosed you will find all supporting correspondence and receipts*

Company response to consumer: Closed with explanation