milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TransUnion is the only credit reporting agency reporting inaccurate information of the bureaus in this case. After disputing numerous accounts that are inaccurately being reported on my credit report, TransUnion failed to delete the inaccurate accounts and continue to refuse to provide me with acceptable proof of the documents used to unequivocally verify and determine the student loan accounts ownership. As of now, TransUnion is in violation of federal law as the 30 days allotted have passed and the referenced account has not be sufficiently been verified. Under Section 611 ( 5 ) ( A ) of the FCRA, TransUnion is required to " ... promptly delete all information that can not be verified '' that has been disputed.

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. (MI).
Issue: Problem with fraud alerts or security freezes

Complaint: On last friday I received an email from equifax informing me that I may have been  victimized of my personal information and provided an prompt to enter last six of  my social security number and I did so. It responded yes I 've been victimized of my personal information being stolen. Please guide me in this matter to secure my information.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: The public records in dispute were deleted years ago from my file because they are not mine. As recent as a few months ago they have reappeared. I have contacted the bureaus several times and they have refused to provide any proof they are mine nor will they remove them again. At this time, short of legal action, the only resolution I will accept is deletion and suppression of the public records so they ca n't be reinserted at another time. 
I have come to the conclusion that the credit bureaus are violating my rights under section 1681and that they have received the following : NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. I receive the same response each time saying " verified '', and yet section 609 ( c ) states that I am allowed disclosure of the documentation used to " verify '' the accounts. They refuse to provide the documents as well as their method of verification ; the results they send state that I can request such and then they deny this. The accounts I am disputing do NOT belong to me. In addition, there are multiple addresses on my file that do not belong to me ; therefore, I am positive they belong to someone who has used my information in one way or another. I am going to have to resort to suing the 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 non-monetary relief
Consumer complaint received 07/23/2017 about Debt collection (Credit card debt) with Convergent Resources, Inc. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX telephoned me repeatedly. When I finally answered, their representative told me I owed XXXX XXXX XXXX {$65.00} for a XXXX Credit Account. I do not have such an account, and never had. I settle my XXXX balances with my checking account or linked XXXX debit card. When I asked them to describe the purchases that totaled {$65.00} they could not. I then asked them to submit details in writing, and all I received was a paper " notice '' ( attached ) with the same amount and lack of detail.

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 06/29/2015 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I, have BSI loan service /mortgage., I have given my wife all permissions via fax. for her to handle all of my biz. with them, my wife and I never get a mortgage statement in the mail as to see what is being applyed to my loan, no statement to pay the mortgage. My wife has called last week & 6 weeks prior also, she must make copies of XXXX or XXXX rare statements that we have to beg them for, or just dig up their address & write a check. XXXX rep. said oh it is because I had a bankrupcy 15 years ago? Another rep. said oh yes every time you send a pmt. a statement will genarate, but this never happens. I am still waiting for any statement, my wife even begs these reps. for XXXX or XXXX statements with the same date so she can pay the bill. But the fact of the matter now I know the new rule as of XX/XX/2014 they must send a statement every month. I do think they are trying to make me have a late pmt. or a few, I feel this is a set up, to intensionally get me in fincial trouble. Also they failed to send my XXXX for my 2014 taxes, I got an apoligy letter XX/XX/2014 or so, after my wife and I calling, once again they lied & said they sent the XXXX for that year on XXXX dates, wow the post master must loose mail so much. what I demand is a timely statement every month, also this BSI said I had no homeowners ins. last year & once again, lie after lie they sent they want proof in the mail, post master lost a few of those letters too. I also want to recive that letter in a timely manner this year too. Yes I have XXXX & my agent faxed them their info. it is all in my file. Last year they put me in force placed ins. Desired resolution. TIMELY STATEMENT EVERY SINGLE MONTH OF THE YEAR, XXXX OUT BEFORE XX/XX/XXXX OF EVERY YEAR, TIMELY PROOF OF INSURANCE NOTICE AS SO WE CAN ALL COMPLY WITH THE LAW IN A CIVIL MANNER. ( BSI FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA.XXXX ) customer service XXXX this is the party my complaint is on.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Debt collection (Payday loan) with Credit Central Holdings, LLC (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I owe them money from a loan and I am unable to pay the past due and current amount due. I asked to set up a payment arrangement and they told me I could only do that if I became current, which makes no sense. They have also left a note at my house where they came by. They call repeatedly throughout the day on my cell phone, work phone and my moms home phone. 

I have sent a letter asking them to stop calling and to not come to my house. So far they have yet to stop calling. I asked that they send me another set of the loan agreement as I misplaced mine and to only contact me in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Taking out the loan or lease

Complaint: I received a loan from Drive Financial in the amount of {$15000.00} in 2008. The loan was secured through a XXXX dealership. Santander purchased the loan. As of today, I have paid over {$33000.00} on the loan and still owe {$9100.00}. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Student loan (Federal student loan servicing) with GREAT LAKES (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I request debt validation. 

I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ). 
Documentation or proof showing my liability toward this account, such as a signed contract corresponding my Social Security number with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with United Student Aid (USA) Funds (LA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: So I filed bankruptcy twice. All my accounts were included in my bankrupctcy and closed out with a XXXX  balance. When I initiated a dispute with t he credit bureaus they responded and added all the loans back on my report with a deferred status. which brought my score all the way down. they changed the balances and kept the same date opened dates. by law this is illegal. i have tried to resolve this issue by just disputing the accounts but they they keep reporting as the accounts are accurate and opened.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Mortgage (Home equity loan or line of credit) with American Mortgage Investment Partners Fund I Trust (WI).
Issue: Loan modification,collection,foreclosure

Complaint: OMB #  XXXX  had been addressed with  XXXX   XXXX   XXXX .  Loan Number   XXXX .     Since then we have worked diligently to have their internal record s ( incl uding our statements ) reflect the correct information, to no avail. We also inquired about paying off the loan.     With no prior correspondence or discussion we received foreclosure notification in the amount of {$390000.00}. Please note the previous case with the  XXXX   XXXX   XXXX  proved  XXXX  had previous knowledge of the information and proposed to internally resolve the discrepancies.     Although the connection between  XXXX  and AIMP Management is not clear, it appears AIMP has been engaged and is responding to inquiries. I also checked the internet site and found the same P.O. Box address.      XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX , CA  XXXX  PH :  XXXX  ( direct ) FX :  XXXX   XXXX  In addition to the prior discrepancy there are now issues regarding the correct amount paid for property taxes. Although we 've provided the official  XXXX   City and County re cords which clearly represent payment from us, AIMP is claiming  XXXX  pai d them.Their  evidence are  XXXX  checks  1 )  Check number  XXXX  {$20000.00} made payable to  XXXX  County but cashed by the  XXXX   XXXX   XXXX   (  the City  and County  bank with  XXXX   XXXX    XXXX    ). 2 ) C heck number  XXXX  {$6200.00} made payable to  the City Treasurer. T his was also cashed at the  XXXX   XXXX   XXXX .     In both instances the unique stamp employed by  the City and County were n ot present nor do their records indicate receiving them.     That was the outline of events. What I would like to convey is we have no idea what role AMIP Management has in this proceeding. We also dispute the checks were used as they are claimed to be. As previously demonstrated in our past dealings through the  Consumer Protection Agency  there seems to be ongoing administration to our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Vehicle loan or lease (Loan) with TD BANK US HOLDING COMPANY (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Around XXXX XXXX XXXX i contacted TD Auto finance about an extension due to XXXX XXXX have 2 auto loans with them and i chose to only extend 1 loan. i have received several notices granting me a 60 day extension. 1st letter received dated XXXX XXXX granting the extension. XXXX XXXX received a 30 day letter, i called and was told as there were so many extensions from the hurricane the late letters are automaticlly sent but my extension was approved and my credit would not be affected. On XXXX/XXXX/XXXX i received an email from a XXXX XXXX that TD auto reported a 30 day late payment. I once again called TD on XXXX XXXX and was told the paperwork was not completed on their end and a supervisor would be corrected as soon as possible. Received one more letter dated XXXX XXXX saying they have granted the extension, pretty much same letters I 've already gotten. I have made more phone calls and was given the run around. Called again on XXXX XXXX and was told there were errors on their side and was in supervisors office to be corrected. Received one more letter dated XXXX XXXX stating the same as the other letters, stating amount due {$0.00}, with new loan maturity and payment date, all letters are the same.. I Made a payment via phone on XXXX for {$1500.00} and spoke to a lady and also was told they were working on the paperwork still, and was told they would be giving a credit of {$530.00} as well. On XXXX XXXX i called to follow up and now am told that i was never approved for the extension and am 60 days late that i need to pay the loan right away, this was from a supervisor. I have 3 letters stating TD auto has approved the 60 day extension..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2017 about Debt collection (I do not know) with Hunter Warfield, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company has repeatedly called over and over again but its never a real person- just an automated system. They have been calling every day while I 'm at work for months now. I have asked several times for them to stop calling me but they refuse. They are jeopardizing my job by the repeated harassing phone calls. I do not even owe the debt they claim I do- I have disputed it and have no record/knowledge of me ever owing anything. When they call and write letters they even threaten to sue me without providing any proper documentation. I disputed the debt and asked for proof- they sent an old lease that was not proof of any debt and did not include images, documentation, receipts, or anything stating that I owed the debt. It also did not have any validating signatures. I have even called and left voicemails several times and have not once received a call back. They also put it on my credit report after I disputed it and keep changing the balance. Its at least every month they go on and change the balance they claim I owe without sending any further documentation.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt was previously deleted from my credit report on XXXX XXXX by XXXX after fraud affidavit filed with XXXX and the FTC. This is not my account and I demand that the account be deleted from my credit reports. 

STELLAR RECOVERY INC . 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Consumer Loan (Vehicle loan) with TCF NATIONAL BANK (FL).
Issue: Taking out the loan or lease

Complaint: This complaint is against Gateway One Lending and Finance. I paid my car loan in full on XX/XX/2017 with a cashiers check. Gateway advised that they would release the lien in three to five days if I paid with a cashiers check. I waited seven days and went to the tag agency only to find nothing had been done. I called gateway that day and was told that they received the payment and should have released the lien. They said they would do it that day and to go back to the tag agency in three days. I went to the tag agency and nothing had been done so I called again. Once again they said they would release the lien and I could get my title. Two days later I called the Florida DMV. The DMV sent me a document showing that the lien has still not been released. This callous disregard by Gateway has cost me three weeks delay in receiving payment for the car I sold since I ca n't deliver the title. 
I had to purchase the new car in cash since I could not trade in the car without the title. Every time I call Gateway I get the run around and false promises. This is an unfair business practice.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (CA).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I received a letter from wellsfargo that I had a previous account that I never opened they opened accounts in my name with out my permission.

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 02-09-2017 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I found out in XXXX XXXX I had judgement entered against me. I was not aware that judgement was entered in XXXX, I was never given court papers. It was explained to me I was served papers by substitution, that is not fair. I can not speak XXXX very well, but I was able to have a friend try to help me settle. They have raised the debt by way to much money and are not being cooperative in settling this debt for a fair amount, even though they never served me properly. I feel like I have been taken advantage of and now being forced to pay a large amount I can not afford.

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 05-02-2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (NY).
Issue: Credit decision / Underwriting

Complaint: Applied for a refinance. I was told the interest would be 3.09 %. Loan amount {$150000.00} 15 year on a home worth {$500000.00}. Also have XXXX in excess of {$250000.00}, {$20000.00} in savings account and {$6000.00} in checking account, credit score if XXXX. 
Loan criteria became more and more difficult. Finally they offered me a 30 year {$130000.00} loan at 4.00 % interest. They have frozen my accounts and it is impossible to get ahold of XXXX the closing company. 
Quicken loan officer : XXXX XXXX ( XXXX ) XXXX ext. XXXX XXXXXXXXXXXX. 
XXXX # : XXXX XXXX # : XXXX Respectfully XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Checking or savings account (Other banking product or service) with U.S. BANCORP (AZ).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: Reference current/unresolved complaint against XXXX XXXX, cfpb Complaint $ # XXXX filed XX/XX/XXXX. XXXX has sent the chargeback to US Bank putting my checking account overdrawn by the disputed amount of {$720.00} which was charged on overdraft fee of {$36.00} for a total of {$760.00}. Please refer to the cfpb Complaint referenced above. I believe the client is engaged in fraudulently keeping the two custom tables I made and shipped to her as well as procuring a complete refund via a questionable chargeback claim. As a result of this fraudulent chargeback, XXXX XXXX via We Pay has debited my US Bank account. I have tried to rectify this chargeback/overdraft with USBank with no action on their part. Also, I have never authorized, nor signed up, for overdraft protection with US Bank. My major concern is that my Social Security benefit will be direct deposited on XX/XX/XXXXinto my US Bank checking account. With the existing overdraft, my check will be wiped out leaving me no funds for the month of XX/XX/XXXX. The circumstances at this point in time make this my only source of income.. According to Section 207 of the Social Security Act ( 42 U.S.C. 407 ) my Social Security benefits are protected from garnishment by US Bank or XXXX XXXX. US Bank at this point in time is intentionally slow walking remediation. They have refused to expedite the manner in any way other than by mailing a form to me at their convenience. They are in effect preventing me from submitting the necessary information to mitigate this fraudulent chargeback. US Bank is not guaranteeing me protection of my Social Security funds and has alluded that they will use them to offset a chargeback they were not authorized to make.

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 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Care Credit Incorrectly Reported information to the Credit Bueras ...

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 01-01-2018 about Debt collection (Other debt) with ERC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is not my account, I 've never authorized for services through XXXX XXXX XXXX. If they can prove with a written signature that I authorized this services, please have them show that. I have never had XXXX XXXX XXXX services. I do n't rent a home why would I need this service. This is not my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation