milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX unknown names appear on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/24/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I requested an extension on my car loan with Santander USA. Per my phone conversation with Santander I was approved for the extension and they informed me it would NOT report negatively to Credit Reporting agencies during this timeframe, but it was reported negatively from XX/XX/XXXX-XX/XX/XXXX. Santander USA refused to update the CRA 's and provide me with an itemize statement of charges and fees from XX/XX/XXXX-XX/XX/XXXX. 

The remaining car loan balance of {$12000.00} reporting to all 3 CRA is incorrect. The remaining balance should be around {$8700.00} In XX/XX/XXXX, I previously setup payment arrangements in XX/XX/XXXX due to being involved in bad car accident I was unable to pay. I called Santander and a  representative advised me 3 months of car payments would be pushed to the end of my loan, but it was NOT my car was repossessed 3 days before the due date Santanders representative provided me with. 

I have called several times and mailed two Goodwill letters to get these past due delinquencies ( XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX- XX/XX/XXXX ) updated with Santander and removed from all 3 credit reporting agenices as they they were reported as past due in error.
I have attached the extension letter from XX/XX/XXXX extension.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TransUnion XXXX XXXX Re : Fraudulent Credit Inquiry To whom it may concern : Recently i received a copy of my credit report which showed Inquiries i didnt not authorize. I understand and aware that you should not put an inquiry on my file unless i have approved it. I have provided you with a police report and i am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed off my credit file immediately because i did not authorized them and they are fraudulent. 

List fraudulent inquiries : XXXX XXXX, XXXX, XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely 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 01/20/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Deposits and withdrawals

Complaint: I deposited XXXX in certified funds to my personal checking account @ Bank Of America on Friday XXXX XXXX @ noon. BOA is still holding XXXX of the money back, I called and the repoXXXX XXXX told me it was because I did not endorse the back of the check. Since 2012 I have been depositing hundreds of thousands of dollars in check for to BOA thru the ATM and not one of them have ever been endorsed. BOA allows you to scan the front of a check on your phone and deposit it. So the fact they are telling me they are holding the XXXX back because I did not endorse the check can not be true. Because they are holding these funds back I am now today negative XXXX in my account and XXXX checks are going to be returned NSF. Transaction layer mazuma credit union BILL PAYMENT activity type debit status type icon pending Processing. Select to mark activity type debit XXXX XXXX XXXX XXXX XXXX PAYMENT as Reconciled XXXX XXXX Processing Transaction layer XXXX XXXX PAYMENT activity type debit status type icon pending Processing. Select to mark activity type debit XXXX XXXX XXXX PAYMENT as Reconciled XXXX XXXX Processing Transaction layer ACH HOLD IRS USATAXPYMT ON XXXX activity type debit status type icon pending Processing. Select to mark activity type debit XXXX ACH HOLD IRS USATAXPYMT ON XXXX as Reconciled XXXX XXXX Processing Transaction layer XXXX XXXX XXXX XXXX XXXX PAYMENT activity type debit status type icon pending Processing. Select to mark activity type debit XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT as Reconciled XXXX XXXX How can a bank hold certified funds for 9 days and send me into a negative balance and my checks to be returned?

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 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: To Experian,   XXXX   and   XXXX   I sent a certified letter asking ton only report my current information but my report is still showing inaccuracies! Please read this carefully this time.     Please remove everything EXCEPT Current addr :  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX ,  XXXX  Current # :  XXXX  Current job :   XXXX   XXXX   XXXX   XXXX   XXXX       (   These are the only things that should be reported at this time ).     Anything else on my report as far as addr, phone number or employer should b e DELETED., This is my second request and first request was sent certified so I kno w it 's been received it just was n't done.

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 10-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Open {$840.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$840.00} High Balance {$840.00} Remarks Account information disputed by consumer, meets FCRA requireme XXXX XXXX XXXX APARTMENTS XXXX XXXX XXXX, XXXX Closed {$1500.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX Original Creditor XXXX XXXX APARTMENTS XXXX Status Closed Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$1500.00} High Balance {$1700.00} Remarks Account information disputed by consumer, meets FCRA I am a victim of identity theft. I have filed a complaint with FTC and has followed all protocol for FTC. I have no knowledge of the accounts that was opened in my name.

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 10/31/2016 about Bank account or service (Other bank product/service) with APPLE FINANCIAL HOLDINGS, INC. (WI).
Issue: Deposits and withdrawals

Complaint: I share a joint checking account with my girlfriend. this passed spring she was victimized by an online predator ( s ) who was extorting money from her, as well as others, in some sort of ponzi scheme. This person, or people, were able to get her to send XXXX separate wire transfers totaling an amount of {$22000.00} to an Apple Bank branch based in NY. I have attempted to contact a number of representatives from the bank and they have informed me that the money was in an account who belonged to another woman who was also victimized and that the funds in the account have been frozen due to suspicion of bank fraud. My girlfriend attempted to contact our XXXX XXXX bank that the monies were sent from who told her to call the police, she then contacted the Apple Bank in question who refused to speak with her, she then contacted the FDIC who suggested we file a complaint with CFPB. My girlfriend is also not in the best XXXX health at the moment and is currently receiving health care for this. Such is the reason these predators were able to dupe her into unwittingly making these wire transfers. I ask that you please contact me, as well as the involved banking institutions so this can be resolved and our funds returned to us.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   & Equifax Credit Reporting Agencies are r eporting inaccurate credit information on my credit file regarding   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  accounts. Their reporting that my current payment status i s 120plus days pa st due when in fact the account were transferred to another lender and paid. I have filed several disputes with the CRA and have contacted the   XXXX   XXXX   XXXX   XXXX   for the information to be corrected to no avail for the past 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PAYPAL HOLDINGS INC. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My PayPal account was compromised by someone in XXXX ( I have an email from PayPal in XXXX indicating the addition of a bank account ), who transferred {$480.00} to an account in their control. 

When reported to PayPal as fraud, they issued a refund of the {$480.00} fraudulent charge. 

They later rescinded the refund, and are now trying to collect the sum, and are preventing me from using their service until I re-pay the amount I was defrauded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I looked at my credit report on XXXX/XXXX/XXXX to see an account in collections, XXXX XXXX ( XXXX ), reporting an account to collections that I have never heard of before. 

I am in the process of purchasing a home and do n't think its fair that a company reports an item on my credit report without providing any written notices to dispute it. This is in pure violation of section 809 ( a ) of the FDCPA : " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- '' I have the right to sue this company for improper adherence to the laws that govern them.

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 08-01-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: Where do i begin?
for years i have been applying and asking for a modification on my home. for years i have been denied for whatever reason given. when OCWEN finally decided to offer me a modification my payment when   XXXX   XXXX   dollars higher!! as long as i know a modification and asking for an affordable payment does not mean allowing my payment to go higher almost twice as much as it already was. calling in today with OCWEN i was told that my house went to sale at   XXXX   XXXX   ET time. and that the sale date was scheduled on  XXXX - XXXX -2017 since  XXXX - XXXX -2017 there were 2 conversations, one on  XXXX - XXXX  &  XXXX - XXXX  where i was lied to and told that there was no sale date scheduled. Listed below are the representatives that were spoken to and the comments date and time. please contact OCWEN and have then pull the conversations so you can hear for yourself that we were advised that there was not sale date scheduled on property.
 XXXX / XXXX /2017,   XXXX   XXXX   NOTE [ n ] - LENDER CALL : OCWEN SPOKE WITH :   XXXX    XXXX  IN HOME RETENTION FORECLOSURE : HOLD SALE DATE : N/A  XXXX / XXXX /2017,   XXXX   XXXX    NOTE [ n ] - LENDER CALL : OCWEN   XXXX   SPOKE WITH :   XXXX   XXXX    XXXX  IN HOME RETENTION FORECLOSURE : HOLD SALE DATE : N/A I recently received a notice dated for the month of  XXXX  that i had the opportunity to appeal the denial and within a matter of 2 weeks my home went to sale. why would i be given the opportunity to appeal a decision to keep my home and be foreclosed on at the same time. i really need help to get my home back. this is not fair. i am a minority and an immigrant, a hard working tax payer. i did not want this to happen to me.
the following representatives denied any assistance and were lying to me about the conditions and all details of the account  XXXX   XXXX  - Refused to transfer me to management.
  XXXX   XXXX    XXXX  is manager she eventually transferred me to lied by saying could not escalate.
  XXXX     XXXX  lied repeatedly about how to escalate.
At this point i need all the help i can get in order to get possession of my home once again.

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 08/30/2016 about Debt collection (Medical) with Revenue Recovery Corporation (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ok the medical debt is my wifes medical billed that she owed from the hospital. they kept calling me after XXXX and report a bad credit on XXXX. Then my credit scored went down because of that they kept threatening me that if i will not pay the bill that my wife owed they will continue to hurt my credit score. I talked to my wife she said that m she already asked them to remove a XXXX dollars every month on her checking account.

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 08/29/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (RI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Portfolio Recovery calls at least once a day for the last XXXX years. We 've told them years ago to quit contacting us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-09-2017 about Debt collection (Medical debt) with First Federal Credit Control (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX is reporting information on my credit report that is not accurate in regards to what they are reporting for XXXX XXXX XXXX XXXX XXXX XXXX. I have tried via certified mail as well as on the phone to get them to delete the incorrect information yet they choose to willfully neglect this situation. 

I used the XXXX XXXX at XXXX XXXX XXXXXXXX XXXX XXXX for the XXXX XXXX XXXX XXXX  which was on XXXX XXXX, XXXX. They told us we needed to pay {$1500.00} prior to the XXXX and they would take whatever the insurance paid towards the procedure. We paid the {$1500.00} PRIOR to XXXX XXXX, XXXX yet they are INNACURATELY reporting that the payment was made on XXXX XXXX, XXXX and a {$25.00} payment made on XXXX XXXX, XXXX. NO PAYMENT WAS EVER MADE AFTER HIS BIRTH BECAUSE EVERYTHING WAS PAID IN FULL! 

I contacted the billing department on numerous occasions and spoke with XXXX and XXXX, the office manager. I told them they were reporting inaccurate information and they said they ca n't change a statement that was already printed and continue to report this innacurate information to the credit bureaus. They have violated the Fair Credit Reporting Act and The Fair Debt Collection Practices Act numerous times despite trying to resolve this and get them to report the correct information. 

I would prefer to solve this amicably and have them remove this from my credit report as it is inaccurate, a violation of The Fair Credit Reporting Act, The FDCPA and also over 7 years old as allowed by the credit bureaus. If they refuse to remove this I will be forced to take legal action in the XXXX Judicial Court In and For XXXX XXXX XXXX. 

I thank you in advance for your help and cooperation and look forward to an amicable resolution. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (FL).
Issue: Managing the loan or lease

Complaint: 1. On XX/XX/2016 I made a prepayment of {$1000.00} to cover the XXXX, XXXX, XXXX and partial XXXX payments. On XX/XX/2016 a {$200.00} collection fee was taken out of my prepayment funds without consent and/or notification. That caused my prepayment amount to drop and owe {$24.00} for the month of XXXX. I spoke with a representative who advised that was done against company policy and it would be corrected immediately. However, it has not been corrected and now I owe. 
2. This company is reporting INCORRECTLY to the Credit Bureaus and it 's negatively affecting me. My balance should be {$10.00}, XXXX but is being reported as {$14.00}, XXXX. I 've made several attempts to have this information corrected but to no avail. 
Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have attempted more t han 10 times thru the last year to get my credit reports from all   XXXX    credit agencies aND everytime I 'm told there is n't enough information to verify I am who I am. I 've gotten a report many other years with the same information so i feel I 'm being denied my reports wrongfully. The only thing that 's changed within the last year is a new adress. I 've lived here a year though. Get S.S.I disability at this adress, goverment assistance at this adress, pay bills in my name at this adress, ext ext s o there is NO way they ca n't have this adress. I 've even filed a complaint directly with annual credit reporto but never received a response. I 'm trying to build credit to buy a house yet have been  XXXX  walled for a year. I bet if I PAYED for a report my information would be enough Then. I feel they are breaking the law. Is there some lawsuit I can file about discrimination against people with disabilitys. I am at a loss to what to do to get my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Please add attached documents or merge this complaint to disputed complaint / case # XXXX Mortgage was reported and discharged by XXXX XXXX. 
XXXX XXXX was never my lender and should NEVER have created a NEWER item in my credit report that will last 3 more years and add an additional negative item to my credit. They have been unwilling to rectify their error and there are close to XXXX other complaints on record with CFPB for this organization.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Someone illegally purchased a vehicle with my information and only my first name and changed my last name. They listed me as a cosigner. I realized this was on my report when I pulled it in XXXX XXXX. I filed a police report in XXXX, Alabama for the crime that was committed. I also reached out to the collection agency as well as the original creditor. I have given both the police number as well. I disputed with the credit bureaus and was sent a copy of the signed document in the mail which had a different last name listed for the person who stole my identity.

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 09/20/2017 about Debt collection (Other debt) with AFNI INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Hello my name is XXXX XXXX, I am writing you because AFNI creditor is showing up on all three of my credit report. It is a XXXX XXXX XXXX bill in the amount of {$100.00}. I pulled my credit report a couple of weeks ago and I noticed this collection in my credit file. I called AFNI because I never opened an account with XXXX XXXX XXXX. The account is under XXXX XXXX and my name is XXXX XXXX. I have called several times trying to get this issue resolved. To add insult to injury the representatives I spoke with were extremely rude! This is not my collection account and it is ruing my livelihood. I am a victim of " IDENTITY THEFT '' I also a victim of Hurricane XXXX. I lost everything I am trying to get my life back on track. I am asking you to please assist me in this matter. This is not my collection and it is not fair for this collection to be reporting on all three of my credit reports.

Company response to consumer: Closed with explanation