milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax compromised my personal information and did n't let me know. I had to search the website myself tofind out my identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (I do not know) with Collection Bureau of the Hudson Valley, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Continue to get phone calls and letters threating legal action from  Collection Bureau  of  the Hudson Valley.   XXXX   XXXX   XXXX   XXXX ,  XXXX , NY  XXXX . Phone #  XXXX . The listed creditor is  XXXX  which advertised a scam service in my area offering internet and TV services they could not provide. They offered 30 free service at no charge or installation fee and cancellation at any time. I cancelled the service after 2 days because it was not what was advertised and did not work at all. I returned the hardware myself on the 3rd day and got a receipt. Notified  XXXX  that the service was not what what was advertised which they admitted saying that they  may  have the advertised service in my area ib years to come.  XXXX  agreed there was no charge for trying the service.   The collection  Bureau   of Hudson Valley is operation a fraudulent scam and I demand that you stop them and penalize them with monetary damages at the very least.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX has filed fraudulent information on my credit report which showed up on TransUnion. Transunion has been notified and a dispute filed on XX/XX/XXXX.
They reported on XX/XX/XXXX a " new bankruptcy-XXXX XXXX/XXXX '' This account was paid on XXXX/14 and included in a bankrupty filing back in XXXX. Upon reviewing my XXXX XXXX report, XXXX XXXX falsifying information and reporting actions to Transunion resulted in my credit score dropping over XXXX points in one day! I have worked diligently and improved my credit score over the last 3 years significantly. This is extremely damaging to my credit profile and must be corrected immediately. Please have this information removed and updated so that my credit score is back in the XXXX 's as it legally should be and inform me by letter : XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. My attorney has been contacted and can provide the filing or any other information needed to resolve the actions of Transunion and 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 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian shows my account Negative until 2022 which is 4 years from now and this account has not been late for 2 years and Experian has it Negative. 

this account should not take 4 years to go positive considering it has not been late for 2 years. Experian seems to say on my credit report its in the negative standing. I do n't no how it is when nothing has been late for over 2 years. 

I 'm also filing with the FTC on his issue

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: On Wednesday, XX/XX/XXXX I called XXXX to try to get a security system. They used Equifax to check my credit. They found no record of me. On Thursday XX/XX/XXXX I called Equifax directly and was told that I did not have an Equifax account. When I inquired how that could possibly be as I was a XXXX XXXX XXXX former home owner with multiple credit cards, the Equifax customer service representative argued with me and told me that I simply did not have credit with them. When I expressed my concern and asked to speak with his supervisor he refused. When I checked my credit report, the last time Equifax reported on me was in XX/XX/XXXX. This week of course I read what happened at Equifax. I called the Equifax help line and explained my situation. The woman on the phone had no remedy for me. She told me to go to the website they had set up to see if my account had been affected ( even though I told her that my account had been erased on their site ). I went on their help page and put in my info and got a message saying I was n't affected! I am beyond upset. My Equifax account has obviously been hacked and erased. The company is offering no resolution. I need help. I tried to freeze my XXXX account online and could not because some of the security questions did not apply to me. I am quite concerned about identity theft at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (Payday loan) with Ditech Financial LLC (PA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Took out a payday loan and paid it off in full in XXXX 2014. I called the company directly after I received the collection call and verified the account was paid off. Someone called today claiming to be from XXXX XXXX firm. Told me theat my account was delinquent and that I needed to pay ~ {$600.00} or there would be legal action. This individual knew my name, email, and social security number. I did not pay anything to this individual and was instructed to call them back today or else risk the legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Vehicle loan or lease (Loan) with BANK OF THE WEST (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Continued follow up to get the gross incompetent Bank of the West to delete their inaccurate and illegal credit reporting for a loan ( # XXXX ) that I paid off in XX/XX/XXXX ( SEE DOCS ) that they decided to start reporting to all three bureaus as a XXXX balance loan but has lates in XX/XX/XXXX and XX/XX/XXXXover three years after the loan was paid off.

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 05-09-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been placed on REPAY, and was informed that when I made a good faith payment that it had taken care of my payment in order to get my loans in a better payment option. I have been informed by Fedloan ( PHEAA ) now that I have to make another payment of the same amount because my " good faith '' payment that was already made was satisfying the month previous to the payment, even though I was on a forbearance. This is not the first time that FedLoan has mistakenly informed me of regulations in regards to my loan repayment options. I am not sure that I will actually be forgiven at the end of the PSLF because it seems that they are n't sure of what their supposed to be doing.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (MN).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage terms require monthly payments as of the first of the month, but allows a grace period without penalty through the XXXX of the month. For 12 years I have generally made payments no later than the XXXX of the month. In the last 3 months, CitiMortgage has used auto dialers which call between XXXX times a day leaving empty voicemails every time starting on the XXXX of the month until 2 days after my payment has posted. The calls start at XXXX and continue until 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 08/31/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (CA).
Issue: Deposits and withdrawals

Complaint: Re : Citibank ( Citigold ) accounts ending in XXXX ( {$25.00} ) and XXXX ( {$25.00} ) We were recently notified by Citibank that we have XXXX small inactive accounts ( " Insured Money Market '' and " Savings Plus '' ) each containing {$25.00} ( total of {$50.00} ). We called Citibank XX/XX/2016 and were told to submit a letter with identifying information and Citibank would send us a check to close out the accounts. Instead of sending a check for {$50.00}, we received a letter stating that, because the account is inactive, we would have to go to a Citibank branch to get the {$50.00} and close out the accounts. 
There are NO Citibank branches near either where we live in XXXX XXXX XXXX, XXXX or in XXXX, XXXX where we are visiting from XXXX XXXX, 2016 to XXXX XXXX, 2016. They have only ATM 's, and we can not get the money and close out the accounts through an ATM. 
I called Citigold Services ( XXXX ) this morning ( XXXX/XXXX/16 ) and spoke to an XXXX ( ID XXXX ) and her supervisor XXXX ( ID XXXX ) to attempt to resolve this matter by having them send me a check for {$50.00}. I was told that I would have to go to a branch, and THE CLOSEST BRANCH is in New Jersey. I COULD NOT BELIEVE MY EARS AND I ASKED XXXX TO TRANSFER ME TO HER SUPERVISOR, XXXX, WHO REPEATED THE SAME DIRECTIVE. 
PLEASE HELP!

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 05-03-2016 about Consumer Loan (Vehicle lease) with MERCEDES BENZ FINANCIAL SERVICES (CA).
Issue: Managing the loan or lease

Complaint: i have been leasing a mercedes since XX/XX/2015. I make timely payments withcertified checks and the company keeps reporting me as late and I have sent them proof of payment and they never use it they always state it is returned. Very harassing and poor accuounting skills.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no idea why I have a XXXX debt. I can not find where to contact them to dispute the claim. Can you please help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Sent a certified letter to XXXX XXXX requesting verification of a credit card debt on XX/XX/XXXX. As of XX/XX/XXXX they have who failed to respond to any of my request requesting verification and have continued to reporting it that through the three major credit bureaus

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 I.Q. DATA INTERNATIONAL, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX/XXXX/17 I spoke to XXXX at IQ Data yesterday concerning an item on my credit report and he told me it should not be showing on my reports and he would have it removed ; although it would take 30 to 60 days to have it take off. 

A copy of the letter from IQ Data is attached.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Debt collection (Non-federal student loan) with AES/PHEAA (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XXXX XXXX representing XXXX XXXX called XX/XX/XXXX in an attempt to settle up XXXX accounts they are trying to collect for XXXX Student loan Trust. While talking to XXXX XXXX she had stated that XXXX would settle for {$29000.00} and then the next day I was sent an email saying that XXXX would settle for {$43000.00}. I feel that this company is not a reputable company if not a scam. I have recently sent them a letter requesting them to send proof that these loans are valid since XX/XX/XXXX we filed bankruptcy on these loans and feel that they have been satisfied then.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (IA).
Issue: Problems when you are unable to pay

Complaint: Vehicle financed through Chase XXXX was repossessed with no prior notice. Loan was only 68 days past due with a payment in the mail and received by them the day after it was repossessed. In XXXX XXXX I believed I had made payment change arrangements from XXXX of every month to the XXXX of every month. Apparently it was not accepted and I was never notified. XXXX XXXX - XXXX XXXX I made my monthly payment via my online bank by the XXXX and I confirmed they received by XXXX every month. This apparently put me in collections for XXXX straight mos, missing my due date by 20+ days. No calls were ever made to me and no attempt to look at my history and contact me to either get my date change or request earlier payment was made. I had an online account with them and never received an email or online message. To make matters worse, I did miss my XXXX XXXX payment due to an oversight on my part. Again, XXXX XXXX XXXX payments were made the XXXX. On XXXX XXXX the car was repossessed. No letter, call or notice received to make arrangements or advise of the intent to repo. Once I called them to inquire about the loan the conversation started with amount needed to bring the loan current. Again, no attempt to understand the situation and look at the history to assess true ability to repay and timing of payments. I was prepared to bring the loan current ( approx $ XXXX ) and recover my vehicle. I was eventually asked " how will I be keeping the loan current '' and I had already advised of the oversight on my part and that it was not due to lack of ability to pay. Frustrated I advised " I do n't know how to answer your question '' and that " I will be more careful and pay on time as I never imagined repo was possible ''. I was placed on hold and it was obvious the collector did not like my answer when she came back as she advised that at this time they were going to accelerate the loan balance and require me to payoff the loan in full ( approx. $ XXXX ). A couple calls back and even an escalation request got me nowhere as I was advised the decision was final. I believe this action was taken to an extreme with no evidence of inability to pay. My reason is complete oversight on my part and I in no way deflected responsibility. I never advised I was without work or any other hardship that would indicate the delinquency would persist. I never received any notice to cure or legally required notice. There is no doubt I broke the terms of the contract but I believe Chase took overly aggressive and unjustified action in the interest of taking advantage of the situation. Their predatory action has resulted in additional financial burden and credit reporting damage that I will live with for years to come.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: On XXXX XXXX 2017 I purchased a new vehicle through XXXX XXXX XXXX dealership in XXXX Tx. The company that financed my vehicle Santander Consumer USA never requested proof of income residence or job so with that said they approved me for a loan of XXXX that was fraudulently done by Santander and the dealership XXXX XXXX. On the actual contract there is a down payment of XXXX that i never gave down, on top of that i was never given the half off the vehicle due to severe hail damage sale they had going on. I have called the dealership numerous of times with nothing resolved. I also called Santander on X/XX/17 to advise them of the same thing. I got a call back from XXXX from the office of the president on X/XX/17 we went over what happened at the dealership and with Santander she clearly stated that the dealership was at fault and they santander do not require to verify job, residence and income they just go by the credit score. I can not understand how this finance company stays in business by going after hard working people such as i. I work two jobs now im stuck with a car that is worth maybe XXXX and what i owe is XXXX. Your assistance will be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I have three direct deposit that go into my checking account each month. I set all my bills to be paid base on those three deposit dated. I choose specific and exact dates for my bills to be paid each month. Regions Bank allows merchants to make a transaction prior to the date of my direct deposits know that funds are not yet available and it is not the date chosen by me the customer. Therefore, the account becomes overdrawn and Regions bank take {$36.00} for each transaction over drawn. I have given them lots of over draft fees. I recently set three payments for XXXX XXXX accounts with three separate payment amounts for XXXX XXXX, XXXX. I had chosen different amounts but cancel them on XXXX XXXX and XXXX. Regions bank fail to take this out of there system and deducted the cancel amounts of XXXX XXXX and XXXX along with the specific dates and amounts I wanted on XXXX XXXX, XXXX. Now they are showing my account as being {$270.00} and more overdrawn with their OD ( overdraft fees ) and will not fix their errors, nor respond to over five different compose emails of inquiries by me about this matter since XXXX, and today is 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 monetary relief
Consumer complaint received 07/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with KelKris Associates Inc (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The original debtor was XXXX XXXX XXXX XXXX. The bill was for cleaning costs and " damage '' to the appartment I rented, some of which I disputed with original debtor because some damage was caused by maintenance issues. These maintenance issues were pointed out during annual inspection, yet they were not addressed. They would not adjust my bill, so I refused to pay. They sent my bill to collections. There was no agreement with original debtor that I would have to pay interest or fees on move out costs, yet the collection agency has illegally added both, and is reporting such on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (Medical) with Eastern Account Systems of Connecticut, Inc. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Eastern Account System of Connecticut , Inc. ,  XXXX .  XXXX   XXXX   XXXX , CT  XXXX  -  XXXX ,  XXXX  (  XXXX  ) AGREED to delete the debt from my credit report upon payment in full on a recorded line.   I did pay the debt in full. It is a medical debt and went to collection when I will still making payments in good faith to the original creditor. I checked today and the debt is marked paid in full and not deleted as agreed. The collection agency has not kept their word to me or made false statements to entice me to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (CA).
Issue: Managing the loan or lease

Complaint: This is my second complaint about GMfinancial. I make extra payments each month and ask them to place the extra amount past my regular payment and they keep placing the extra money on the next months due and future payments. I specially am making extra payments to the principle so that I can pay my car off sooner because my income will drop. Please how can I get this resolves so that I do n't have to complain each month or call them each month and they still get it wrong. 
I need help. They just want to take the extra interest money from me monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Credit reporting () with EQUIFAX, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On or about XXXX XXXX, XXXX, I received a disclosure of credit score information ( XXXX ) from XXXX XXXX. I continue to see the very same key factors that are adversely affecting my scores. 
The very same key factors have appeared on disclosure received on or about XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX. Disclosure attached for your information I have file complaints to credit bureaus and the Consumer Finance Protection Bureau. XXXX credit bureau XXXX responded that key factors will not be deleted. Why? XXXX responded that dispute was not specific. How specific must I be? In the disclosure information it clearly states the key factors that are adversely affecting scores. There were no specific accounts provided. I have not received any responses from XXXX on this issue. Each XXXX of these disclosure information pages appear to be identical to each other. I am shocked that XXXX of the credit bureaus has the audacity to comment that these adverse key factors will not be deleted. Does n't this credit bureau realize that continuing to report these adverse key factors are affecting my financial life style? 
After reviewing the latest credit files from XXXX XXXX XXXX XXXX/XXXX/XXXX ; EQUIFAX XXXX XXXX XXXX/XXXX/XXXX ; XXXX XXXX XXXX XXXX/XXXX/XXXX ) and going line by line I found no evidence to support these adverse key factors.

Company response to consumer: Closed with explanation