milesbutler/consumer_complaints huggingface dataset:
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: Account status incorrect

Complaint: I spoke with  XXXX  from  XXXX  in  XXXX  of    2016  about my vehicle. I advised him that I will no longer be keeping the vehicle as my grandmother had passed on her vehicle to me which has no payment. I received several calls from the dealership trying to convince me to keep the vehicle. On  XXXX / XXXX / 16 , my vehicle was finally picked up. Since this time the dealer and owner  XXXX   XXXX  has not followed proper protocol in selling the vehicle as required to satisfy any remaining balance at the time. Instead it has been intentionally reported as an open auto loan on my credit report with a rolling unpaid balance each month. I have disputed this account several times with the dealer directly, with Equifax and with the Flori da Dept of Agriculture. The dealer would verify falsely verify the item as correct. When in fact it is not. Equifax would not conduct a fair and reasonable investigation, but instead used  XXXX  although I requested otherwise by certified mail. There are numerous inaccuracies besides the fact that I no longer own the vehicle. The dealer is claiming to be holding a vehicle for me which is also false, this is an attempt to conceal the fact that he/they have not complied with the laws both State and Federal pertaining to debt collection and reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
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: RE : Account XXXX XXXX XXXX 1 ) XXXX 'collection agency ' has failed to respond and failed to validate this alleged claim in 30 days as required by law. Equifax failed delete false entry which has NOT BEEN VALIDATED according to law. Validation demand was sent via certified mail, XXXX XXXX XXXX USPS tracking # XXXX, and as of XXXX XXXX XXXX has failed to validate per this alleged claim within 30 days. ( Copy attached ). 2 ) Equifax made false written statement to the Federal Agency, Consumer Finance Protection Bureau on XXXX CFPB complaint # XXXX, *Equifax reviewed the complaint, its records and initiated a reinvestigation. *Equifax reviewed the consumer 's credit file for previous dispute history but no recent dispute history was identified. *Equifax will mail the results of the reinvestigation within 30 days. Equifax has reviewed the complaint and its records. We show that you have not previously contacted Equifax regarding the items listed in this complaint. The items will be addressed through our normal dispute process and the results of the reinvestigation will be sent to you within 30 days. Consumer did in fact notify Equifax twice of their failure to notify consumer prior to reinsertion of previously deleted item which is not valid. 2nd Dispute mailed XXXX XXXX XXXX # XXXX 1st Dispute and deleted by EQUIFAX CREDIT FILE : XXXX XXXX XXXX Confirmation # XXXX Equifax failed to maintain reasonable procedures to assure complete accuracy in the information published to my credit report. Equifax has altogether failed to make reasonable investigation of this matter as required by law, Equifax reinserted previously deleted item without notification to consumer Equifax made false written statement to Federal Agency, CFPB. Consumer believes Equifax has made four violation pertaining to FDCPA and FCRA which are each entitling consumer to {$1000.00} per violation. *XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX-XXXX ( XXXX ) XXXX has violated the law by continuing collection activities with Equifax while failing to respond to consumer 's right to validation.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Vehicle loan or lease (Loan) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: I have been calling CitizensOne for the past month to obtain a letter to register my car in a different state. I was told this will take 6-8 weeks, I paid the fee on XXXX and to obtain the supporting documents and was told that CitizensOne could not find my title, therefore, this request could not be processed. I called CitizensOne about the issue and they said their " back-office '' is where all the titles are stored and they never received one. I received my title memorandum on XXXX, this was sent to me the same day the dealership sent the title to citizensone. I spoke with the dealership and the title was mailed on XXXX/XXXX/XXXX directly from the Ohio XXXX. I have call 3x a week since the middle of the XXXX and have since tried to refinance my car over the issue. While trying to refinance my car, I was told it will take 120 days to get the title information. The bank keeps passing my claim to it 's supervisors who promise answers within days but nothing ever gets resolved. It 's been over a month and a half and I have not been able to drive my car I recently purchased because I am unable to register it in NY without an authorization letter. Since I have found a bank who will give me a letter within a day and decided to use them to refinance my car, CitizensOne is not working to get them the information they need to finalize the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, 2017, Equifax Inc.announced a cyber security incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from XXXX through XXXX XXXX. 

According to www.equifaxsecurity2017.com, my credit report information may have been compromised : " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
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 had several accounts with XXXX XXXX when I filed for bankruptcy. Instead of XXXX reporting the accounts as included in the bankruptcy, they are reporting them as sent to collections. These accounts had never even been listed as 30 days late prior to my bankruptcy because they were current. They are not only reporting the accounts that were open at the time of the bankruptcy as sent to collections, but they have also taken accounts that had been paid and closed long before the bankruptcy was filed and are claiming the same with them as well instead of reporting them as closed at the consumer 's request and paid, never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LoanCare, LLC (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: We set up a payment plan, signed XXXX/XXXX/XXXX, with XXXX, and every month we paid on time. This was due to financial hardship. The agreement was to skip XXXX XXXX 's payment, pay our regular payment of {$2100.00} in XXXX, then were to pay {$3000.00} for XXXX, XXXX, and XXXX. This came with the guarantee from the company that it would not effect our credit. We had paid late fees within this payment plan. We have the payment plan agreement and the bank statements to match. Every month paid on the payment plan, the company reported us as " 30 days late ''. Their statements did not match this. The company refuses to see a problem or admit any fault. Help please! 

A side note, when I called to make our first regular payment in XXXX, when the payment plan was supposed to be done, the man on the phone said we would not be current on our account unless I paid much more than our original payment. Though this did not make sense, I paid it, to ensure my credit would not be ruined by this. They are now holding that extra money. It has not been put towards any part of our mortgage. Around {$800.00} is just sitting there, like we never paid it. We again, have called over and over, with no one who can explain, or help us with 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 09/15/2015 about Consumer Loan (Installment loan) with FIRST NATIONAL BANK OF OMAHA (VA).
Issue: Taking out the loan or lease

Complaint: I submitted loan application data online for a debt consolidation loan, a " XXXX '', then received a call over the telephone from First National Bank Omaha, ( " FNNII '' ), XXXX. 

Subsequently, FNNI requested proof of identity, my active XXXX Drivers License and proof of address, a current year Utility Bill or a current year Bank Statement. 

All of my Utility Bills and my Bank Statements are set up to go to my PO Box listed on my XXXX Drivers License. 

I submitted my active XXXX Drivers License and my active XXXX Voter Registration Card which shows my name and my current physical home address. 

FNNI says they do not usually accept XXXX XXXX XXXX to comply with the " US Patriot Act '' rules. 

FNNI says that they can not process the loan without a Utility Bill or a Bank Statement! 

FNNI says that they are declining the loan because they can not confirm my identity or my physical home address.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Debt collection (Other debt) with I.C. System, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Credit was submitted to my score damaging it, I have never had an account with XXXX or XXXX, I called the collector last week and they irresponsibly could not identify the information, the user who stole my identity does not have SSN in their records. But they erroneously assigned the debt to my account, without having correct information. My identity is being used by mistake affecting my amazing score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit reporting () with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Account # XXXX no contract or no signature

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 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/2017     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  Transunion Re : Request to Remove Unauthorized Credit Inquiry Dear Transunion, I recently received a copy of my Transunion credit report and I notice there is an unauthorized credit inquiries made by    XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into ( insert name of credit or ) inquiry to determine who requested this credit inquiry.    If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.   If you find that I am in error, then please send me proof of this.   Thank you in advance,  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 11/30/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In 2006 I refinance my home with OCWEN Loan Servicing phone # XXXX XXXX & XXXX XXXX XXXX XXXX. I was put in Differed Interest Loan which I later found out by my son. I tried to dispute my case on several occasion which fell on XXXX XXXX. I have never missed a payment since 2006 and I am now trying to refinance my home and I ca n't closed because of the predatory loan the subjected me in, I made a complaint to the Florida Attorney Generals Office ( XXXX XXXX ) regarding this faulty loan. I am XXXX years old & my wife is XXXX. I have my son as power of attorney to answer any questions you may need regarding this important matter. My wife and I worried at nights that we are going to loose our home that we work so hard keep. My son 's name is XXXX XXXX contact information is ( XXXX ) XXXX XXXX email : XXXX. 

Thank you kindly, 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 12-08-2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Using a debit or ATM card

Complaint: My wallet was stolen out of my car on XXXX/XXXX/15. I have talked with regions bank several times and am constantly getting no where with this company. I had called again on XXXX/XXXX/15 to talk to soltions department to refile the case. the next day it was denied. I have called several times and no one is willing to do anything at the main office or branch level. This company has STOLEN a total of XXXX in fraudlent charges and XXXX in fees that occured due to these fraudulent transactions. the total being XXXX STOLEN from this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had a XXXX XXXX account that was paid through AUTO PAY DEBIT each month, and when I switched to another company, I personally returned all the equipment to the office, had a XXXX balance at that time. Then several years later they ERRONEOUSLY employed a Collection Agency,  XXXX XXXX/XXXX, XXXX. to say I owed a debt. Last year they put this false information in my XXXX Credit Bureau. I disputed the charge, XXXX investigated, the company never was able to document I owed anything, complied and they REMOVED IT FROM MY CREDIT REPORT. Now, today, again, they submitted the same phony charge to my XXXX Credit Report, which brought down my score 24 points when I have excellent credit. So, again, I filed a dispute, but I also felt compelled after months of dealing with this scam agency on the XXXX  report, now again with XXXX, it required to file this complaint, with the hope that these unscrupulous scam collection agencies are fined or curtailed from arbitrarily submitting false information to credit reports ; especially multiple or recurring times after being commanded to remove it previously.

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 04/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX/XXXX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. 
Washington, XXXX XXXX RE : COMPLAINT AGAINST TO ALL CREDIT REPORTING AGENCIES To Whom It May Concern : I am writing to file a complaint against XXXX, XXXX and Tran Union because I do not see the efficiency as a prestigious company. 
I just want they erase any inaccurate information and Including phone numbers that does not belong to me I send proof of residence and my birth certificate they can see what my name and how it is written, my American passport ; all the inaccurate information Is doing damage to my credit history. 
I move to the United States " XXXX '' in XXXX/XXXX/XXXX for my daughter education, all kinds of address that appear credit report that does not belong to me, I mentioned my previous address : From XXXX to XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX and present address : From XXXX/XXXX/XXXX to the present CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have not received the result of the investigation, I am a person that I have medical conditions " XXXX '' I live with XXXX 24/7 and I want to have my credit record in great conditions in case the health insurance does not cover the expenses. 
I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices. 
If you have any questions or need additional information, please contact me at the address listed below. 
Thank you for your assistance. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2017 about Debt collection (I do not know) with CITIBANK, N.A. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This complaint refers to a unauthorized hard inquiry upon my credit report by   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   (  "  XXXX  '' ). On or around  XXXX   XXXX ,  2017    XXXX    initiated an unauthorized inquiry upon my   XXXX   credit report. I did not authorize  XXXX  to take such action so I am demanding that this inquiry immediately be revoked and recanted as well as for  XXXX  to permanently destroy all the personal information is received during the unauthorized inquiry upon my credit report. Additionally, I am requesting that  XXXX  provide me with all documentation that caused them to inquire upon my credit report. Finally, should this pertain to a debt, I hereby dispute the debt and have no knowledge of any debt with  XXXX  and request that  XXXX  cease and desist all collection attempts and contact with me for collection purposes. Finally, please provide verification of any alleged debt and do not access any other consumer reports or credit reports of mine.

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 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: On XX/XX/XXXX, I went to lease a car to XXXX XXXX  XXXX XXXX VA. They checked my credit report on XXXX  credit bureau. According to XXXX, I have no credit profile.

On the other hand, I have three credit cards of Capital one, XXXX  and XXXX XXXX. Three of these companies have my credit profile and I have a good credit score near more or less than 700. I talked to Capital One and they told me that they report my credit profile to all three credit bureaus including XXXX and XXXX. Capital one customer service agent told me that they are legally confined to send my information to all three bureaus.

Then I talked to XXXX and they told me that they have my credit profile as capital one, XXXX XXXX and XXXX is reporting them my profile on monthly basis. Contrary to this, XXXX told me that they do not have my credit profile and any of these three companies including capital one, XXXX XXXX and XXXX is not reporting to them my credit profile and I have to talk to my bank capital one about that. When I talked my bank, they said that they are reporting to them and thay can not help me further in this matter.

Company response to consumer: Closed with explanation