milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN HONDA FINANCE CORP (DE).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a loan with Honda Financial Services. I set up and auto-pay online. I assumed all was well until I received notification that my account was delinquent. They never emailed me on this matter even thought they do have my email address. They said they called but never reached me. The moment I found out about this I rectified the issue. Now my credit report shows a 30 day delinquency even thought their website failed to process my auto-pay. I have a 30 year credit history with no delinquencies. I would like this resolved due to the error on their side and their lack of contacting me to give me a chance to resolve the problem prior to going to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: There is a collection for a XXXX bill in collectors hands, pinnacle. This was one of my ex husband 's phones when he had his business. He had 4, 1 In my name., I gave ex his phone back and he allowed the bill to run up. Is NOT my debt, is ex husband 's. Along with EVERY closed / charged off credit card needs to be removed. Many car companies have ran my credit just because I viewed cars online, I NEVER gave them permission. I keep track, I KNOW I only have 3 hard inquiries FOR the last 2 years. Please make these abusive credit report companies STOP abusing their power. I'm alone on XXXX, I CAN'T afford to have this bad credit. There are other things on my reports I've never heard of. Please, PLEASE can you help me out??? I don't have any where else to turn. Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i am a victim of identity theft. My XXXX credit card that was opened on XXXX XXXX, XXXX was XXXX. The balance of {$2500.00} is all fraudulent transactions and do n't belong to me. The following hard inquiry do n't belong to me : XXXX, XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: credit bureaus are not updating my information and date of birth is wrong again it should be  XXXX  my address is  XXXX   XXXX   XXXX    XXXX   nc  XXXX  not the other  XXXX  address they have they took off accounts then but them back on why????? please help me fix this.

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 03-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Consumer Collection Management. Inc (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Consumer Collection Management has been removed from one credit report a few times, but it keeps coming back, after it gets investigated and then removed. They have also made slight changes each time they resubmit it to the 3 reporting bureaus. Each time we have asked for proof of the debt and all we have ever heard, is because we have a form?! Where is the proof? Without proof they get removed, but then they come right back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: the car was taken away because of limit information when purchase from the dealer

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 09-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SECURITY FINANCE CORP (GA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: A local finance company charges that I put my car up for security on a personal loan. I 'm late on payment & they are threatening to have me arrested. I never agreed to putting my car up, in fact I did n't have a clear title on the car. I asked her if this meant I was putting up my car, & she insisted no. They also charged me for auto insurance at a huge rate as a requirement get the loan. This was supposed to be a personal loan, not a title loan. I believe the company lied to me on many occasions

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 02/20/2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax keeps reinserting wrong addresses that was previously deleted after I spoke with several different representatives and was giving a confirmation number. I even sent them information via mail. The addresses was deleted months ago and within the pass two months have been reinserted.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Debt collection (I do not know) with AllianceOne Recievables Management (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting debt collection calls from the telephone number XXXX. 
I told them they have the wrong number and the person they ask for is not at this number, but they just keep calling. 
The most recent repeat dates on my call log XXXX, XXXX, XXXX, and XXXX ... but this has been going on forever it seems. 
How do you stop harassing phone calls at almost XXXX at night?

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: Wells Fargo is grossly negligent regarding a financial matter. At issue is Wells Fargo refusing to acknowledge or communicate on a property while trying to avoid foreclosure. Wells Fargo is trying to say that they require a bankruptcy authorization form to communicate however Wells Fargo being a lien holder to the bankruptcy and having access to XXXX very well knows the bankruptcy was discharged 2 months ago and therefore no bankruptcy authorization form is required since there is NO active bankruptcy. This is gross negligence on part of Wells Fargo which has had a string of issues lately.

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 05/22/2017 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: Their investigation did not fix an error on your report

Complaint: I received a copy of my credit report and noticed that Equifax was reporting  XXXX  tax liens. I then sent dispute letters to Equifax to get verification of these tax liens that are showing on my credit report. I received letters back from Equifax stating that these liens had been verified. I immediately placed a call to the courthouses and verified that they do not report to Credit Bureaus so I requested the method of verification since Under FCRA,  sec 611 ( a ) ( 6 ) and ( 7 ) I have the  right to request the method of verification from the credit bureau. And if they can provide me with the information they need to remove this tax lien.     I have yet to receive this information

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: OUR PRIMARY HOME IS IN LISTED ON SHERIFF SALES FORECLOSURE BY WELLSFARGO BANK FOR XX/XX/2016. WE WERE APPROVED FOR XXXX TRIALS AND THE PAYMENTS WERE MADE ONTIME, BUT THE PERMANENT LOAN MODIFICATIONS WAS HIGH AND NOT BASED ON THE INCOME AND BUDGET. I CALLED AND EXPLAIN TO WELLSFARGO TO REDUCE THE PAYMENTS, THE DOCUMENTS WERE SUBMITTED FOR MODIFICATION BUT THE BANK REFUSED TO HELP WITH NO OFFICIAL LETTER STATING DECLINING. THE NEXT THING WAS THE BANK SENT A SHERIFF SALES DATE FOR THE FORECLOSURE ON XX/XX/XXXX. THERE IS NO WHERE TO MOVE TO AS WE HAVE NO ALTERNATIVE HOME WITH ALL THE FAMILY MEMBERS OF XXXX. PLEASE KINDLY LOOK INTO THIS AS WE WANT TO KEEP THE HOME. LOAN NUMBER IS XXXX WELLSFARGO BANK. 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
Consumer complaint received 05-04-2017 about Payday loan, title loan, or personal loan (Payday loan) with Bliksum, LLC (CA).
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint: I contacted  Loan  Me, an on-line lean company. In setting up the loan, I was asked to give my router number to my checking account so the loan could be deposited. After that I was told to purchase  XXXX  itunes cards,  XXXX  for  XXXX , the other  XXXX . Then I called the phone number given to me (  XXXX  ) and read the numbers over the phone. I was told at that time that  XXXX  had been put on my credit card. This was to be given back to the loan company via  XXXX . This would show good faith in paying back the loan. I was instructed to go to  XXXX  and purchase the  XXXX  which I did for  XXXX . A check was sent to me for  XXXX  but the bank did n't cash it. Another check came for  XXXX  but was not cashed. A third came that was made out to  XXXX   XXXX  whom I do n't not know. I am contesting that I did n't authorize the money on my credit card and I want  XXXX   XXXX  to put it back in my account. My accounts have been closed and I have received a new bank card, but have not been reimbursed for the  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: ACCOUNT Number  XXXX  Credit file confirmation  XXXX   XXXX   XXXX  knowingly reported correct dates to keep an item on my credit report.  <P/> The account is over 8 years without payments or activity other than the reports of payments for {$0.00} that were never made.  <P/>  XXXX   XXXX  reports that I have made payments in the amount of {$0.00} to keep this old account active.  <P/> They used in incorrect date of first delinquency of over three years after the actual date.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Portfolio Recovery Associates purchased my debt from XXXX XXXX in the amount of {$300.00}. The amount that Portfolio Recovery Associates is charging me is {$450.00}. PRA and I agreed to settle at {$350.00} ( more than I needed to pay ) and I paid it. They cashed a check with an agreement letter attached that states, " Only cash if you agree to delete account permanently from credit reports ''. Since calling to follow up with PRA they have told me that there is still a balance of {$100.00}, which is completely absurd. This is totally inaccurate reporting and it 's deceitful, not to mention they cashed a check on an implied agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Tried to submit an EXPERIAN credit report error several times on several different days through their website. Every time it says the website is down and to call their XXXX number to report the dispute by phone which no one ever answers. It 's IMPOSSIBLE to get through to these people and get a credit report corrected!!!

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the Equifax credit information hack I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. No American can sign up for any service or financial account without being validated by these three, so this is a forced requirement. 

Congress should federally mandate that credit freezes, unfreezes, and reporting be made available at no charge and with no conditional requirements ( ie : signing up for credit protection services offered by the agencies or their vendors XXXX. Our ability to BE American citizens relies on our ability to control our credit reporting. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they allow breaches that can cause permanent financial and identity harm. 

Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Debt collection (Medical debt) with Alpha Recovery Corp (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Received repeated phone calls from XXXX from XXXX XXXX. I spoke with a female representative told her I was unable to pay. After that I received a phone call almost every day. So I blocked that number. On XX/XX/2017 at XXXX XXXX from XXXX. A male called my phone, after confirming who I was I continued letting him know I had already spoken with someone. He told me just because I speak with someone does n't mean it goes away and because of me doctors don '' t get paid.

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 06-11-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage used to be XXXX before it was sold to Carrington by XXXX XXXX XXXX. My mortgage went up to {$1200.00} claiming low escrow fund.. 6 months later, went up to {$1200.00} no explanation, I found that my insurance increased, so that was understandable. I am current, I went to pay my {$1200.00} XXXX XXXX payment, as per my statement.. Went online and says Mortgage due is {$1600.00}. A {$400.00} increase with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Debt collection (Mortgage) with Ditech Financial LLC (MN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have been paying on a loan for a used mobile home at XXXX XXXX starting XXXX/XXXX/XXXX. Green Tree has done everything to me from hundreds of Phone calls, telling my neighbors, making me pay the XXXX dollars a month for over the phone payments.Tricking me into multiple payments. There are many, many more.The landlord of the park will not help with any problems that the parks bad water ( raw sewage in the water lines.There are many more problems. The biggest problem is his lawyer keeps on wanting {$2000.00} now and then or they will evict me.I was terminated from my job of 35 years of service for being 10 minutes late. My banking is at XXXX XXXX in XXXX mn, ( XXXX XXXX office ). Nobody will help me. I ca n't afford a lawyer and nobody calls me back. I have a pension and XXXX 401k's.I have a girlfriend that 's been with me for over 20 years. Her son was murdered XX/XX/XXXX nobody calls that much to help us. She is mentally handicapped and I am trying my best but there is so much damage that we both are overwhelmed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Closing/Cancelling account

Complaint: XX/XX/2015To Whom It May Concern : I applied for a Chase Freedom account in XXXX, 2015 and was approved with no issue. In fact, Chase requested and received my XXXX Credit file on XXXX/XXXX/15 and XXXX/XXXX/15. I applied for the Chase IHG card on XXXX/XXXX/15 Chase requested and received my XXXX Credit file and the account was approved. I applied for the XXXX XXXX card on XXXX/XXXX/15. Chase requested and received my XXXX Credit file and the account was approved. I applied for the Chase Amazon card XXXX/XXXX/15 Chase requested and received my XXXX Credit file and was approved. On XXXX/XXXX/15 Chase requested and received my Credit file again. 

I made charges on all accounts and paid the charges off in full and on time or before the due date. Then, on XXXX XXXX, 2015 I attempted to use my Chase Freedom card to make a purchase and it was declined. I called in and was asked questions about purchases that I had made and more questions to " verify my identity ''. My accounts remain frozen. I have asked repeatedly for an explanation and none has been given. The only statement that I have received is that the individual on the phone can not tell me but that the accounts are under " further review ''. I would like an explanation of what is going on. I have expressed a desire to receive something in writing regarding this issue and to date, nothing has been received. I have been promised calls back, and have not received them. 

I have contacted Chase repeatedly in an attempt to understand what information the company was unable to verify, if that is the issue. Each Chase representative basically stated the same thing every time. Unfortunately, no one within Chase has the ability to inform consumers of what issues have occurred. I contacted XXXX, XXXX and XXXX and verified that all my identifying information listed on my Chase application matched the information in my XXXX credit file. The information on my Chase applications were in compliance with Section XXXX of the XXXX which mandate that financial institutions verify certain information about applicants, including name, legal address, date of birth and Social Security or Tax Identification Number, while processing account application. 

Desired resolutionWhat do you think would be a fair resolution to your issue? 

I believe that Chase should and is required to make credit equally available to all consumers and because of this failure, I am requesting that Chase contact XXXX to remove the credit inquiries of XXXX/XXXX/14, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, and XXXX/XXXX/15 and further, to delete these accounts from my credit report as Chase indicates that they are unable to verify my identifying information despite XXXX informing me that my credit file has the correct information listed. A statistical analysis of Chase applications for the Chase Freedom card will document that Chase has n't made credit equally available to consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-10-2017 about Debt collection (Federal student loan) with ENCORE CAPITAL GROUP INC. (IL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: A company that is not a part of my federal student loan report is trying to collect a debt that is not owed to them. This company is a private company not a student loan collection agency. Also this company is a 6th or 7th party.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: My card was used fraudulently without my permission and without my consent, My card was lost or stolen at airport and used All over the XXXX, I 'm XXXX XXXX  protected from fraud If I i file in a timely matter and send a affidavit of fraud as I did, THis has been done and they took charges off my account and put them on new account then they closed new account and now they are not even sending out a working card.. I filed the fraun report Months ago and they have had more then the time allowed to investigate and resolve this and have not down so!

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