milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX is very reckless with their reporting tactics on consumer 's credit reports. I found a tantamount of inaccurate information on my account from my name, to my address, to my social security number, to wrong information on my accounts, wrong status, and reports of derogatory items that were 10 years old and generic entries made by XXXX on my accounts that lingered old accounts way past its statute of limitations. XXXX is the only reporting agency that shows more that a XXXX point gap on my account consistently from other reporting agencies. It showed that there were close to XXXX unauthorized inquiries made on my report and I tried to report that to them and got nowhere. My credit report shows a reflection of another person as I do n't recognize my name, social security number, my accounts, my address, or the XXXX inquiries on my report. This whole ordeal with XXXX has caused me financial hardships because it has damaged my credit in many ways that seems unfixable. I 've reached out to XXXX many times but received nothing in return. XXXX needs to be held accountable for their reckless behavior on my report that has caused unnecessary hardships. I could n't get a student loan to finish school because of their carelessness.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I HAVE NO KNOWLEDGE OF THIS DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have attached a letter for the following Collection Account Companies. Please dont take this message as a threat or any form of disrespect. You have been reporting the wrong information to the credit bureaus. I have caused total distress and my mental clarity. I am working with an investigator because I was affected by the recent credit breach. It seems to me that your company has violated my rights without my consent. I am unaware of any accounts or contracts between me and your company. I have filed a lawsuit and we are set to appear in front of a Judge in XXXX 2018. You will be notified by my lawyer moving forward. I have made attempts to contact you by certified mail and to be ignored. I kindly ask that you not harass me anymore I am distressed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Using a debit or ATM card

Complaint: XX/XX/2017 Transaction withdrawal was made from a non-chase ATM machine for {$200.00}. This transaction was not made by me nor was my debit card stolen. I still had possession of my debit card at the time and told my Chase Bank this. The card was never used by me or anyone I know as I had possession of it. However, they did not believe me and said because the transaction was made with a chip/pin that it must be me. I do not make non-Chase ATM withdrawal so I know for a fact that this was not me. I knew exactly where I was on the day the transaction was made and I was not anywhere near the claimed ATM nor did I withdraw any money. They must have skimmed my pin somehow. I just know for a fact I did not do this but Chase refuses to help and has denied my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/14/2017 about Bank account or service (Checking account) with U.S. BANCORP (NM).
Issue: Account opening, closing, or management

Complaint: MY bank branch says I was target of an unsuccessful phishing attempt. Message on my cell phone said " USBANK ALERT! Visit personal link at : XXXX. '' Other number:XXXX XX/XX/2017 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 01/15/2018 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (NY).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I XXXX XXXX had ownership of a car from credit acceptence and I traded the car in at a dealership called XXXX XXXX in XXXX, NewYork part of XXXX. The dealer I gave the car to at XXXX XXXX never paid off the car, He never cut credit acceptence a check for the pay off amount for the car. The dealer ended up robbing XXXX XXXX of all the files and car deals that he made for the company. So, he stole my files to the car and any evidence that I traded in the car owned by credit acceptence. He ended up consequently getting my trade in car from credit acceptence reposssed off of the XXXX XXXX car lot. He called me months later after asking if I had the car, he knew that I didnt. I went to confront him and he was gone, the XXXX XXXX vanished I arrived to find out that a different LLC had taken ownership of that dealership. I now am stuck with the debt of XXXX being negatively affecting my credit profile. I have spoken to several representative at Credit Acceptance in relation to this matter. I also had the attorney general of Florida file a complaint on this dealers conduct. Also during the transaction of trading in the vehicle in the year between XX/XX/XXXX and XX/XX/XXXX I requested that the president of Credit Acceptence get involve in this unfortunate event of my car buying experience, the president of Credit Acceptence bank called the dealer several time to try to  get the dealer to cut the check in the amount of the trade in but the dealer at XXXX XXXX kept ignoring his phone calls, the president of credit acceptence did not make any notes on his attempts to reach the dealership on my account. I had paid the Car note prior to trading in the car owned by Credit Acceptance. I do not have any paper work to prove this complaint since XXXX XXXX vanished along with 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 10/26/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Address added to my credit report XXXX XXXX, GA XXXX is NOT my address, this is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2017 about Mortgage (VA mortgage) with RoundPoint Mortgage Servicing Corporation (TN).
Issue: Struggling to pay mortgage

Complaint: Round Point Mortgage Servicing Company sent a certified letter dated XX/XX/XXXX. In the letter, they allege that there was only one VA inspection in regard to the property located at XXXX XXXX XXXX XXXX, TN XXXX. I have done everything they have asked me to do in regard to the Deed in Lieu of Foreclosure and they apologize, for what my attorney and I will call, gross negligence on their part. <P/>Back to thisXX/XX/XXXX letter : RoundPoint states that there was only one VA inspection, which took place on XX/XX/XXXX and failed because the property was not in broom swept condition. This part is true. <P/>Moreover, I called and left a voicemail with XXXX XXXX XXXX at Round Point, who is or was my customer care advocate. His direct line is XXXX. This call was placed on XX/XX/XXXX at XXXX Central Time. My message was for him to get back with me regarding the second VA inspection which passed and that my attorney stated that RoundPoint should have never transferred the loan and/or property to XXXX XXXX. He never returned my call. <P/>In any event, we have documentation showing that a second and subsequent VA inspection took place and passed. My attorney has told me that because the second inspection passed. RoundPoint also confirmed this when the customer care advocate at the time called us on speaker phone. Round Point should have never transferred the loan or property to XXXX XXXX XXXX C/O XXXX XXXX XXXX. This transfer took effect XXXX XXXX, XXXX. <P/>The final issue, Round Point stated in the letter mentioned herein, that they transferred the Deed in Lieu documents via XXXX to the new servicer, XXXX XXXX, and that they are to submit the documents for recording, in addition to ordering a new VA appraisal. <P/>I 've called XXXX XXXX and I have spoken with XXXX, my customer care advocate, whether they have received the Deed in Lieu of Foreclosure documents from Round Point. She has stated that they have not received anything from Round Point at all. She does have on file that I was issued a XXXX " Cancellation of Debt '' for the entire loan for the property, also mentioned herein. XXXX also stated that they have not ordered a new VA appraisal. Why has n't this been done? You 've had the documents since XX/XX/XXXX. It is now well over a month later.

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 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: While reviewing a recent copy of my [  XXXX   ] credit re port I noticed a credit inquiry by your company that I do not recall authorizing.   I understand that you are allowed to put inquiries on my file, but only if I have given my authorization.   Please have this inquiry removed from my credit file as soon as possible. I have sent this letter certified mail because I need your prompt response to this issue.   I would greatly appreciate receiving a written response that you have had the unauthorized inquiry removed.   If you find that I am mistaken, then please send me proof of my authorization.     Thanks in advance,  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 non-monetary relief
Consumer complaint received 11/15/2017 about Debt collection (Other debt) with Rhojo Enterprises, LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XX/XX/XXXX I had a contract with a XXXX cellphone company called XXXX and had to discontinue that contract because I had to move from XXXX to USA. Legally I could stop the contract if I proved that I was moving away from my XXXX address. SO I did provide all this information to XXXX and received a letter with the confirmation of the disconnected account. 
About one year later I received a bill from a collection agency with an open amount for Euro XXXX for the remaining months I already was not living in XXXX anymore and had NOT used the service anymore because it was closed. I never received a letter from XXXX that I would owe that money and started to complain to the collection agency a law firm called XXXX XXXX XXXX. 

I called that company and finally sent a letter to them on XX/XX/XXXX ( attached ). After this letter I have not received any response from them anymore. Neither that the solved the issue nor that they still wanted to collect the money. 

That has been more then 5 years ago and end of XX/XX/XXXX I receive a letter from a collection agency who claims that they try to collect that money from XX/XX/XXXX but this time because of the years ( interest 8 % per annum ) {$1000.00}. 

I called the original company XXXX in XXXX and asked how that can happen and if the have any information about that. They say there is no file about my case anymore. It only says that the did refer my case to XXXX XXXX XXXX in XX/XX/XXXX. 
I called XXXX XXXX XXXX and they say they have NO record of my case anymore and do n't collect from XXXX anymore. The company who now collects for XXXX in XXXX have NO file on my case. Their name is called XXXX XXXX XXXX XXXX XXXX XXXX. They told me that it might be fraud. 

Now the letter I received from XXXX recovery says I should pay them that amount. 
BUT the firm XXXX says they already forwarded my case again to a firm called XXXX because they could not recover the money from me since XX/XX/XXXX. I NEVER received a single letter from them.XXXX told me about them and also about the other collection agencies I never heard about. Before there was supposed to be a collection agency called XXXX who tried to cellect the money. 
I have NOT received a single letter from any of this collection agencies and have not received a single phone call. 

I would like to see prove of any of these collection agencies that they ever sent me a letter trying to collect that money from me. As I said the first letter I received was on XX/XX/XXXX. 
Please advice me what to do.

Company response to consumer: Untimely response
Consumer complaint received 07/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There is an item I have disputed several times reflecting XXXX Mortgage which the first date of delinquency has been past 7 years, the late payments reports every month balance, past due balance on this stated collection. There is nothing accurate about this account. I am requesting some assistance from your company

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX Credit Card Account was removed from my XXXX report. However, it 's still showing up on Experian and XXXX. This is not my account, and it seems like XXXX has proven 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 02/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Williams, Alexander & Associates, Inc (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My name was used for a debit on a bail bonds after sending my ID and license that shows they send the wrong person to collections, Nothing has been done to remove it from my credit score. Instead they kept me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southern Management Systems Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: They said that the bill is not paid I have had equal fax to re dispute the payment. I have called they and nothing good turned out from it.. 

I XXXX XXXX have sent the payment to Southern Management System to try to resolve the issue. I also had the XXXX CRAs submit the receipt of payment that attached to my dispute to Southern Management System. They are refusing to acknowledge the payment therefore I filed a claim with the CFPB to get assistance resolving this 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 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I sent Certified letters to  XXXX  and Equifax on   XXXX   XXXX   XXXX   ( I have the receipts ) requesting that they correct  XXXX   XXXX  Loans that were included in my Chapter  XXXX  BK  discharged  on  XX/XX/XXXX . I also sent a fax to Equifax on  XX/XX/XXXX  requesting the correction. They are showing these  XXXX  accounts as delinquent and my credit score has dropped over  XXXX  points. These were private loans ( not student loans ) and co-signer is now responsible. I also sent the bureaus the letters from  XXXX  dated  XX/XX/XXXX  confirming that I am no longer responsible for these  XXXX  accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: During sometime around XX/XX/XXXX or XXXX XXXX 2016,  Wells Fargo closed a checking account that I had with and did not explained why they closed the account I also had a credit card with Wells Fargo. Once Wells Fargo closed the account, I had somewhere around $ XXXX- {$14000.00} in my checking account. I went to the bank because I needed to make a withdrawal and make a payment on my credit card account. I was informed that my account was closed. I then inquired as to why my account was closed and I ask " how do I withdraw my money from the bank ''. 

I insisted on make a payment, but was informed that they would not take a payment from me. I needed to make a withdrawal, but Wells Fargo would not allow me to make a withdrawal or accept a payment from me. The teller at the bank told me that they would deduct what I owed on the credit card from my checking account and they mail me the difference. Wells Fargo did not deduct the amount of the balance on the credit card from my checking account immediately. Instead, they deducted the money from my account much later than they indicated and did intentional financial harm. Wells Fargo made the payment on the credit card late and it resulted in a 30 day late on my credit file. Eventually, Wells Fargo did mail me the correct amount after making a payment on the credit card. The limit on the credit card was {$1000.00} and the balance at the time was no more than {$800.00}. 

Up until that time, I 've always made payment on time and I never had a late payment. My checking account always had a positive balance and I did not have returned checks due to insufficient funds. 

I have contacted Wells Fargo and ask them to correct this error, but they have failed to assist me in correcting an error that they made. 

CFPB, Please help me to resolve this matter. This late payment has caused me much distress and hardship and is severely affecting me in consumer transactions. 

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 non-monetary relief
Consumer complaint received 09/30/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX I submitted a complaint similar to the XXXX today. SLS my servicer responded and alleged I had missed my XXXX XXXX payment, and that I did not make this payment until XXXX XXXX. If you will review attached proof of payment made you will clearly see I did not miss this payment. SLS ( my original complaint ) has been misapplying my monthly mortgage payments regularly. I do not know who can audit their files regarding my payments and unapplied payments but this is highly suggested. I have incurred late fees after late fees and now SLS has me in foreclosure.

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 10/30/2015 about Bank account or service (Savings account) with SCOTTRADE BANK (IA).
Issue: Using a debit or ATM card

Complaint: My experiences have left me truly wondering if Scottrade should n't be investigated by the SEC. It 's very strange how one day my funds are scheduled to be settled, but when the day arrives my money is n't there. The local store representative blamed a " computer error '' when I called him and another representative offered me XXXX free trades to offset the inability to access about {$38000.00} for trading. No other explanation was proffered, despite my correspondence and a promise they would review the matter. 

Another suspicious occurrence involves Scottrade restricting my account and possibly limiting access to my cash for more days than the normal 2 to 3 days it takes trades to " settle '' because their store representative claimed their computer accused me of making a " free ride. '' However, I was very careful to sell only shares I had carried for as much as a couple of weeks, and I purposefully waited to sell shares which had n't settled until their reported settlement dates. But, the store clerk would n't accept my explanation and my account was restricted anyway. Remember, this is the same computer that their store clerk blamed for failing to fund my account a couple weeks prior. 

So, I 'm going to reduce my trading activities at Scottrade out of an abundance of caution, and likely take my grievance to the SEC in a formal complaint. I urge others to be careful and look out for activities like I 've described. Do n't forget that often matters dealing with brokerage accounts will require arbitration instead of a day in court.

Company response to consumer: Closed