milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/20/2017 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XX/XX/2014, I had a chapter XXXX Bankruptcy discharged, since that time until the present all of my currently open revolving credit accounts have been paid on time and never late, there are XXXX derogatory items on my credit report. Despite this earnest effort to pay everything on time and be responsible with my credit my, my credit score is still unable to exceed XXXX, despite every account on my report stating on time, never late, my credit score still remains low to poor. It seems as if the credit reporting agencies are intentionally keeping my score low, so I may never be able to obtain a loan or rebuild my credit. I am currently trying to buy a home for myself and my family and this is seriously affecting my life negatively. I have also been very cognizant of the number of inquires and accounts on my credit report in an effort to increase my FICO score, despite my efforts my score continues to remain low no matter what I do.

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 08-04-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a Judgement that I have been disputing for the past two years. It was placed on all XXXX Credit Reporting Agencies and they state that they have investigated and it is mine. A judgement that is for a XXXX XXXX for {$2500.00} with a listed address of : XXXX XXXX XXXX XXXX, NJ XXXX. I have been trying to get this address off of my report since they put this on stating the facts that I have never ever ever lived there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I continue to receive repeatedly phone calls all through the day from ( Walmart ) calls from different phone numbers such as XXXX XXXX XXXX also phone number 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 08/26/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Credit decision / Underwriting

Complaint: After repeated requests, Nationstar Mortgage keeps sending me the refinancing offers all the time! The kicker : Nationstar services my mortgage already and I am perfectly fine with the conditions of my mortgage. 

I have repeatedly contacted Nationstar to refrain from sending me refinancing offers and they have not listened to me. I get the impression that Nationstar either wants to make money in refinancing again and again or they want me to be in their debt continuously. Get me into another XXXX year mortgage and the clocks starts all over again. 

Please do something about this.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I mailed out a letter and followed the instructions precisely ; included a copy of my drivers license, proof of my social security number, and proof of my address, along with my letter asking for an investigation into numerous issues. That was two months ago. They have not responded to me.

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 12-10-2015 about Debt collection (Credit card) with Gatestone & Co. International Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Gate stone collection agency is contact a neighbor in a mobile home park where I live, asking invasive questions about me and stating they are calling regarding a debt. In addition calling my ex wife as well as my ex sister in law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/19/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: A credit card bill over XXXX years old. Charged off on my credit report. Still being harassed to pay.

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. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am writing this letter due to the recent credit breach. My personal information was affected by the recent credit breach, your company has been placing obsolete, inaccurate information on my credit file. I am unaware of the inaccurate accounts and inquiries listed on my credit file. The letter is attached in the file below. I have file with the FTC, I have filed a police report against your companies, also filed a lawsuit against your companies for violating my rights, placing information on my credit without my consent, defrauding my credit file placing inaccurate accounts and inquiries on my credit file to compensate money for bad inquiries and accounts. Please be advised that this isnt a threat its the final goodwill letter.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Closing/Cancelling account

Complaint: I closed my Chase mileage card last year. At the time the service rep told me the annual member fee will be refunded, and I have no other balance on the card. I did not hear from Chase until earlier this year. I got a letter from Chase saying that my account was in significant delinquency, and was about to be charged off. 
After receiving the letter I called Chase, the service rep was able to see that the membership fee never got refunded, and meanwhile late payment fees was incurring. The service rep then told me that he would clear the account and also contact credit agencies. 
I check my credit score this morning ( a few months after the call ), the entry from Chase is still on my credit report. I call Chase and they told me they have to open another investigation for this matter. It seems like nothing gets done and meanwhile my credit score took a big hit. I am very disappointed in Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Me and my twin brother ssn are almost alike, but off by one number, I finance my car threw XXXX XXXX monthly for XXXX since XXXX XXXX, 2017. I went to trade in my car viewing my credit report from the dealership what accounts appeared on my credit report was by the name of XXXX and XXXX XXXX. I didnt not open the accounts my twin brother is affiliated with them. It is affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: My home loan has been under a modification program as of XXXX/XXXX/2015 with our previous lender, the loan was then transferred to Green Tree Servicing LLC in XX/XX/XXXX, since then they have failed to honor the terms of the program. I filed a complaint with the CFPB ( Complaint No. XXXX ) and received a response, and disputed the response. The terms of the Modification program state no payment is to be made until XXXX/XXXX/2015, and due to all of the problems ( including letters from an attorney stating escalation of foreclosure ) I was in the process of trying to complete mortgage refinance documentation with another lender when they informed me that Green Tree had filed a negative report on my credit report stating my loan is over 180 days past due. I have had to spend numerous hours, resources, etc. following up with Green Tree to offset foreclosure measures, documentation inconsistencies, etc. I am aware of their unfair and unethical business practices as of the most recent XXXX fine imposed against them for these deceptive business practices and do not wish to continue my business with them, however until they report back to the major credit reporting agencies that the information they have reported against me is incorrect I can not move forward. Please help, continually having to gather information and file complaints is getting cumbersome and I do not have the time to keep making this lender do the right thing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: In XXXX I paid cash for a car. Prior to the car being wrecked I had car insurance with XXXX. My policy number was XXXX. XXXX number XXXX. The name on the police is XXXX XXXX XXXX. For verification XXXX XXXX XXXX is the agent XXXX. The vin number is XXXX. The title number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2016 about Credit card () with WELLS FARGO & COMPANY (PA).
Issue: Cash advance

Complaint: Enormous fees from unknown/questionable cash advances.

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 07-12-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: Since 2014 my impound account began increasing, sometimes the amount would increase 2 or 3 times a year, which could not be due to taxes or insurance which are annual events. I made a large payment to cover what they claimed was a short fall, but this continues each year- Even though there is a reduction in both my insurance and property tax! Ive made several attempts since that time to speak to someone but their telephone system seems to be anti-customer ; each representative operating anonymously, unable to give their full name, supervisor or department head name, customers are set up to fail when these anonymous reps are enviably unable to answer question. They say they transfer you and process begins again, most time coming to the department you began with.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Consumer Loan (Installment loan) with TMX Finance LLC (GA).
Issue: Problems when you are unable to pay

Complaint: I am currently 2 weeks behind on my loan with ( insta loan ) the day after i had missed my due date, they have continued to call me every single day, non stop sometimes 3 times a day. now it 's got to the point where they have came by my house and left a letter. this is getting out of hand. I told them i would pay them when i get some money up, and i had also spoke to the manager last time i went in about his employees being very rude on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Over the telephone, I closed my several years ' long cell phone account with XXXX XXXX which I had been paying off in full monthly and for which I had no contract going forward. I paid the itemized bill that I received within a month 's time of the closing. Several months later having gotten no correspondence in the interim, I received a bill from XXXX XXXX for a single amount due approximately two month 's service, but with no itemization or explanation. When I attempted to review my account on-line it was no longer available. I took no action to pursue their charge, but XXXX has turning over what they perceived as a debt to a variety of debt collectors, the latest being Jefferson Capital Systems ( {$140.00} ). I went to buy a car about 10 days ago and while I did get the 0 % APR car loan, I was dismayed as to how low my credit score had dropped since I had last heard, about XXXX points. I requested my credit report today and while I do n't see XXXX XXXX, I do see Jefferson Capital Systems ( closed ) as another account citing the {$140.00} amount as a reported balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-07-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed the inaccurate info about the judgement, case # XXXX, with Equifax and XXXX. Both stated the info was correct. However, as noted on the reports Equifax is showing a Paid/Satified date of XXXX and XXXX shows a Paid date of XXXX/XXXX/2013 I have included the excerpts of my credit reports showing how these accounts are reporting

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Certainly, I got a letter from XXXX that I owed {$6200.00} to SYNCHRONY BANK, I have never heard that name. Letter mentioned that I have " R '' XXXX but I have never applied " R '' XXXX or had it.

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 02-03-2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (WI).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: Fraudulent loans!

Santander targets a population of people with poor credit approves them for very high interest loans that they know will soon default ruins their credit and put judgments against individuals to repossess property Santander targets a specific population and make fraudulent loans for used vehicles Santander is in urban areas and prey on vulnerable people.

Santander has a history of Inadequate or false disclosure Risk-based pricing Inflated fees and charges Reverse Redlining And has had class action lawsuits. Santander is in house financing company that is illegally approving loans as well as falsifying figures to approve loans under the pretense of future default. Santander is housed in car dealerships that close and change names due to unlawful/illegal activity and bad reviews.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: At XXXX/XXXX/2017 American Express Travel Related Services Co., Inc. they stole from me about {$2200.00} by shutting down my prepaid cards and accounts ( Serve Card and Bluebird Card ) for no real reason and they refuse to give me my money back!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Other

Complaint: On several occasions while trying to pay my bill last XXXX ( 2016 ), Chase lost my billing information and it resulted in interest charges and late fees. There was continuous communication on my behalf as the information that was provided was inconsistent amongst different entities of Chase. I was told it would not be reported to the credit bureau 's and would be noted as I was also a victim of identity theft. Chase continues to address that I did not contact them in regards to a sudden address change or lack of receiving of a card but I did. In fact, my card number was compromised. On several occasions, I went to the branch to address this issue as Chase did not via customer service. Ultimately, my balances were paid off and I was dismissed due to " bank policy '', but ultimately I feel the reason is because of the lack of ethical business practices and the poor documentation. In one incidence, I was charged interest/late fees and it was reported to the credit bureau even though Chase had my payment info and the representative just did not submit it correctly. I feel that the indication only my report as my account being past due or late should be corrected at any rate. In addition, any late charges that were charged or indicated on my account should be reviewed individually as Chase failed to follow proper bank procedure and business practices when contacting me and/or communicating me with such sensitive/important information. This specific to the account ending in XXXX. This is my second inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2015 about Debt collection (Credit card) with DISCOVER BANK (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being accused of having a Discover Card debt that I did n't pay off, so Discover has turned over the account to another company ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to harass me. I knew nothing about this, I 've NEVER used a credit card, the name is not even my legal name, now a sheriff served my mom papers where this attorney office is threatening to seize my properties! This is so wrong to do to people! I 'VE NEVER OPENED A CREDIT CARD!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (FL).
Issue: Other service issues

Complaint: Paypal submitted a credit check on myself, without permission after I had made a purchase. There was more than enough money in the account. No need to charge anything to credit, nor apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Payday loan () with WELLS FARGO & COMPANY (OR).
Issue: Charged bank acct wrong day or amt

Complaint: II called a Wells Fargo Visa card representative and agreed a balance transfer to my Wells Fargo account of {$7000.00}. The representative stated that it was a 0 % interest loan and that I would be charged {$15.00} a month for 15 months. The conversation was recorded and I agreed to the transfer over the phone. 
After completion I called back to check with Wells Fargo Visa and am now being charged between $ 75- {$80.00} a month for this loan instead of the quoted amount of {$15.00}. The manager XXXX # XXXX agreed that it was a bank error but would not honor the original quoted monthly amount of {$15.00}. 
I would like the bank to honor the verbal agreement they offered at the time of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted all XXXX bureaus regarding fraudulent access to my credit file but only XXXX have fraud alert on them because one was giving me a hard time. I have hard inquires on my file which was not authorized. I was informed that I must contact the companies to remove the inquires. After I did what I was informed, the companies informed me that they do not have anything in there system with my information. It 's ridiculous how I have a fraud alert on my credit report yet these companies can have access to my credit report. Who is protecting my information? Why did transunion allow such numerous companies to access my report without my authorization. I request that each inquire get removed and I request that an update credit report reflecting such changes.

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 04/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (NY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: M y Fidelity Rewards Visa c ard was abruptly closed without any notice on  XXXX / XXXX /  XXXX  . After calling and waiting on hold and being transferred around their system, I was told that my spending poses a risk and that my account can not be reinstated. Worse, I have 65,013 rewards points in my account, which are worth {$650.00} if transferred to my brokerage account, that are frozen and not accessible.     I spoke with  XXXX  at Fidelity ( ph #  XXXX   ), as  she was the analyst that decided to close my account. She was extremely unprofessional and offered no explanation for what I had done wrong. After insisting on being transferred to her supervisor, I was transferred to  XXXX  's voicemail ( she refused to give me his direct line ), and I have not heard back from him.

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 07/18/2017 about Debt collection (Auto debt) with CrossCheck, Inc. (WA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: In  XXXX  of 2017 my son purchased a car from   XXXX   XXXX   XXXX   in  XXXX . Before my son went to the dealership to purchase they sent him to   XXXX   XXXX   in  XXXX  to take out a bank account that the down payments were to be sent to. At the time of purchase the salesman collected from my son a blank check for {$2000.00}. We asked what this was for and he said do n't worry about it it is just a formality. The salesman said the down payments could be broken up in payments to   XXXX   XXXX   to make things very easy. This sounded very good to us. All of the paperwork was signed and he left with the car. No word from anybody until a collection company started calling both my son and me to get the {$2000.00} for a company called cross check. he did not know what to do but gave them a debit card to get {$500.00}. I intervened when they wanted to get another {$750.00} a week later and they started calling me repeatedly. I told them that there was no problem in paying the remaining {$1500.00} but we did not even know who we were sending it to. I told them we were more than happy to make payment arrangements but instead  XXXX  the vice-president kept calling me a liar and yelling and demanded the full amount that day. The most disrespectful person I have ever talked to in my   XXXX   years.

Company response to consumer: Closed with explanation