milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Credit report shows accounts in collections, chapter XXXX bankruptcy covered these items. Currently XXXX XXXX of XXXX shows 2 collections accounts and XXXX XXXX shows 1 collections accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (Credit card) with Jacobs, Marsh LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I currently have a debt listed on my credit report as being from Jacobs Marsh, however, I 've been trying to contact them for over a week now via telephone and email to no avail. Recntly I received a phone call from XXXX ( XXXX ) stating that they are collecting debts on behalf of Jacobs Marsh. So I eventually arranged to pay the debt that is indicated on my credit report and being from Jacobs Marsh. I hope that I am not being scammed! Is Jacobs Marsh still in business? Why did they give my information to a third party to contact me on their behalf to collect the debt. Do they have the authority to collect on the debt AND authorize the disposition of the debt be included on my credit report?

Company response to consumer: Untimely response
Consumer complaint received 09-08-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (SC).
Issue: Taking out the loan or lease

Complaint: Santander!!!!!! My mother has been dealing with them for years and has XXXX cars through them right now XXXX is a XXXX ford focus and the other is a XXXX ford focus the XXXX I have personally been paying for almost four years now and she had this car five years before me and we are still paying for it so in all we both put together has paid for this car about 3 times when the car was originally only XXXX dollars as for the XXXX my mom has had this car for four years and again still paying for it the car was originally XXXX dollars now 4 years later the they saying she owes XXXX dollars!!!!!!! and no one can give a straight forward answer as to why just recently we spoke to someone on the phone and if I must say so myself ( I 'm usually not a complainer ) the WORST costumer service ever no one can give you a straight forward answer and of course every time you call your talking to someone new who all have different answers and I just do n't think a deferment here or there or late fees can first of all have you owing the same balance for four years and now owing XXXX dollars more and the car is no where near worth that much now and when you ask them to explain it seems like every one 's mind seriously goes completely blank not to mention they are some of the rudest people ever interest is added to every payment but when the car was first purchased they said that the reason the balance has n't started going down on the first couple statements was because we started off paying interest on the car so nothing has started going towards principle yet and now here we are XXXX four years later and we 're still paying interest something just does not add up with them this company seriously needs to be shut down so they can stop ripping people off also we XXXX have been to several different car dealerships and they have said the exact same thing about Santander that they are a BIG rip off and the will never allow Santander to finance any of there cars so in my opinion that says a lot

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I filed bankruptcy XX/XX/XXXX and several debts that were discharged now show they were " charged off '' after the bankruptcy. My disputes for each account to the XXXX XXXX XXXX XXXX credit reporting agencies as well as attempts to resolve directly with the creditors have failed. Each agency and creditor refuse to correct the information and cite that it is " accurate ''. These accounts were not charged off prior to my bankruptcy. They began reporting a charge off after my bankruptcy. This results in each of the accounts being identified as derogatory with a charge off after my bankruptcy. This is a significant factor for lenders who review my credit report because they see accounts " charged off '' after bankruptcy which is misleading as to my credit worthiness. It is my understanding that the creditors may charge off an account after bankruptcy for their internal accounting purpose, but reporting a charge off after bankruptcy is a violation of credit reporting and bankruptcy statutes. I have sent correspondence multiple times, return receipt requested, with specific information that should be corrected. It remains in error and at this point they refuse to further investigate despite my repeated attempts. The credit agencies and creditors have also ignored my requests to provide their methods of verification after my disputes under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) ; it is my position that neither are unable to provide a method of verification because they are unable to do so. I have repeated the process of dispute when these charge off were reported after bankruptcy for each creditor that is reporting a charge off. Some are not only reporting a charge off after bankruptcy, they changed payment history to reflect a charge off prior to bankruptcy which is untrue. Prior credit reports show that the accounts were not charge off prior to bankruptcy. The credits retroactively changed payment history to charge off after bankruptcy. The creditors who are engaging in these actions XXXX. For example, all of these creditors are reporting that the account was charged off in XX/XX/XXXX -- -after bankruptcy. XXXX specifically retroactively entered charge offs prior to bankruptcy when accounts were not in charge off status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Starting XXXX of XXXX, I decided to not use my XXXX Credit Card and start making payments in order to reduce my balance on my XXXX card. At the time that I started paying payments I decided to pay some amount over the minimum requirement. The amount of monthly payments I made was {$200.00} ( approximately {$45.00} over minimum amount at the time ) on the due date. Every time the payment is due and when XXXX received my payment they sent emails reminding the due date and then confirming receipt of my payments, in which, they never mentioned that my auto pay has fallen under minimum payment required or any mention of late payments due to such change in my account. Since the payments were done automatically from my checking account, I thought I am on track to reduce my balance on my card. My payments were due on the XXXX of each month. Apparently, because of XXXX of XXXX holidays in XXXX,  XXXX had received my payment on the XXXX of the month and that triggered the increase in my payments without any notice from XXXX XXXX. They just accumulated the interest and late charges each and every month and charged me late payment fees and about XXXX % of interest on the total balance on my card. I did n't receive a courtesy call or a notification that my payments have fallen under minimum payment and charges are being accumulated in my account without any additional purchases and/or charges from my part. I have not used their card from early XXXX till today. I had to payoff some of my credit cards in order to qualify for a new home loan and that 's when I found out about the charges being accumulated in my account without any notice or courtesy calls. I followed up with the XXXX XXXX and after talking to the managers and representatives and explaining that if the payment is late for one week, I would receive numerous phone calls reminding me of such, however, there was no warning letters, emails or phone calls to remind me of such discrepancy. After following up with the XXXX cards and making many phone calls I could not resolve the issue with them. XXXX finally concluded that the charges are valid and they will not issue any credit toward late charges and/or interest charged on such late charges. In my opinion, these are fraudulent charges with no merit. A credit card with no activities for almost a year and a half should NOT have a higher balance than when I started making $ XXXX monthly payments. They only act to their own benefit without any consideration or regards for their card holders.

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 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (TX).
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint: Having been affected by the hacking breach of Equifax, I have yet been able to sign up for their credit protection offered after their breach. Their website is yet to be working.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX XXXX 2018 XXXX XXXX XXXX
I did not authorize any hard inquiry with this company.
This is fraud.

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 10/14/2015 about Debt collection (Auto) with Viking Client Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Viking Billing Services is attempting to collect a debt for XXXX car rental. I do not owe XXXX car rental and did not rent a car from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: INACCURATE INFOMATION ON CREDIT REPORT SO I SENT IN A POLICE REPORT THE BREACH TOTALLY XXXX MY ACCOUNTS UP NOT REPORTING XXXX STATED BY LAW

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I own a home in Virginia, and recently suffered a loss ( XXXX XXXX ) due to an electrical surge. My heat pump was damaged. The electric company admitted the problem and fixed the power line. I had a contractor replace the entire unit. My insurance company, XXXX, quickly sent me a reimbursement check made out to me, and Wells Fargo. I endorsed and sent the check to them, and they verified receipt on XX/XX/XXXX. It is now XX/XX/XXXX, and they refuse to release the funds to me. They have sent me approximately XXXX pages of documents, and I have mailed and emailed them approximately XXXX pages back. Every time I call them it is like a " comedy of errors. '' They keep asking for the same things, and they even directly contacted my insurance company, XXXX, twice. None of the documentation seems to satisfy them, and I have called at least 15 times. I have paid on time every month since I started this mortgage, and often pay extra towards principal. I do n't understand how they can hold my money, and give me the run-around when the insurance paid so quickly. The loss is relatively simple, a heat pump. Can you please explain why it is OK for a mortgage company to take a check and just hold it for over a month? I already have been damaged, and the mortgage company just makes it worse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Vantage Sourcing, LLC (DC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I opened a new XXXX account on XXXX XXXX, 2015 and returned the device and cancelled the contract on XXXX XXXX, 2015. This was within the 14 day grace period as specified in the contract. I began receiving bills for an Early Termination Fee ( {$420.00} ) shortly after, and I contacted XXXX on XXXX separate occasions, once on XXXX/XXXX/15 and XXXX on XXXX/XXXX/15 where each time they assured me that the ETF was erroneous and would be removed. 

On XXXX/XXXX/15 I was contacted by Vantage Sourcing , LLC, a debt collector, claiming I owed {$420.00}. I have contacted XXXX many times since then, and after many hours on the phone they still will not remove the charge or even allow me to mail them proof that I returned the device and cancelled the contract within the specified grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: XXXX   XXXX ,    2017,  went online to try to get the annual free credit report from TransUnion, because we became aware that a different credit report company had incorrect info on our report.   The online service for TransUnion would not allow a free report. It said " We cant determine if this is really you '' It said that for both my husband AND  I. Said  they did n't have enough info to give questions to determine our identity. If they do n't have enough info to determine who we are, HOW and WHY are they giving out info about us to OTHER people?   BUT if we would agree to PAY online, then it would let us have the report. The one that is supposed to be free.   When I called transunion, the man said they had already sent a report to some address that was not even our address. When I became angry and asked exactly who and where this was sent, he recanted his story and said that no report had been sent. When I said, but you just said it  WAS  sent, then he recanted again and said it had been sent to our correct address 5 days earlier, but he would send it again.   I finally received it much later. I received the report for my husband, but not for me.   Basically, they are refusing to provide the free reports that they are required to provide for free, and making people pay to get it.   They also began sending a lot of transunion spam to my email after I had tried to get the report online. Trying, again, to get me to pay. When I called again, they said that they can not stop the transunion emails, that is a DIFFERENT phone number that I need to call REALLY?? I asked for an email address to stop the email spam. They said they do n't have an email address, I have to call and wait on hold for hours.  REALLY AGAIN??  Of course the emails are do not reply emails that I can not simply reply to.   I also started getting a lot of solicitors on my phone right after this. I travel internationally, and these phone calls wake me in the middle of the night and cost me a lot of international call fees.   Transunion presents itself as a company that is there to help to people, but it is a scam in itself. When I did get a rep on the phone, it is obvious from the accent that this is being outsourced outside the US. Seriously? Asking me for my social security number and all personal information over the phone to someone someplace in  XXXX ? Does that sound like a good plan to help " protect '' peoples identity??   They want people to be compromised, so they will sign up for their credit monitoring. It is all a scam and someone seriously needs to stop these people.

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 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: XXXX 2017 I surrendered my vehicle to XXXX after they refused to provide and disclose account details in writing. I specifically requested a history of how my payments were applied to the loan. desiring a breakdown of interests, principal fees or charges. 
I was not receiving billing statements and was blocked from online access due to my payment being late. the phone recording stated my balance was higher than the original loan purchase after paying for 2 years? questioning how this may have occurred, I submitted multiple requests for records nothing was ever provided. the only info I have to go one is what is being reported to the credit bureaus as an outstanding balance. if the vehicle was sold I was never notified as required by law. there is no proof of when, how or what proceeds they obtained from the alleged sale or how any deficiency balance was calculated. my credit report is being illegally re-dated as if this incident just occurred, the balance has decreased and increased back and forth monthly. I have been supplied with no proof of anything to date. my disputes with the credit bureaus results in the account either being verified or updated to show that I recently missed a payment which is all false. I receive both auto dialed and recorded messages constantly harassing me on my cell phone and at work. XXXX has been very deceitful in their business practices an violates bot federal and state laws.I have seen that other consumers are experiencing same issues with XXXX. I may need to take legal action to resolve.

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 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There is a public records on my credit report with XXXX   stating that I had bankruptcy that is being reported in error. I 've contacted the furnisher listed on my report using the address that they have reported to verify my account, but the letter returned to me as " not deliverable ''. 
I then contacted XXXX  and informed them that they are reporting erroneous information on my file. They 've responded as " verified '' and information remains. XXXX   continues to report false information. 
I 've also contacted the organization that XXXX claimed they verified the information from and they have not responded to me. 
This is very damaging to my credit and I I demand this furnisher be removed from my file that they are reporting. It is hurting my credit. I get no verification authenticating that this account belongs to me. 
I 've attached my initial letter I 've sent XXXX  along with the response they 've given me of my dispute. It does not makes sense to me to keep information in my file that do not belong to me nor if I ca n't verify with the furnisher of validation that this account does indeed belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian and XXXX are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong 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 explanation
Consumer complaint received 01/27/2018 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: Account information incorrect

Complaint: On my XXXX credit it shows I work at XXXX which I don't.

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 05/29/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: APR or interest rate

Complaint: I received a Care Credit card to pay for my dental work, having not been told that a very high interest rate for the total amount would be added to my account after one year. The interest was $ XXXX+!!!!! I called to file an extension and was given more time, since I had no idea that this was the case. Nine days after the extension date, I called to pay the amount in full of {$1800.00}, they said that I would have to pay the interest too. I worked massive overtime to come up with such a large chunk of money, only to discover they would not honor this. They were also incredibly rude. They said a supervisor would call me back within 48 hours, and of course, no one called me back ever. This company should be shut down for scamming people!

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 03-01-2018 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I was contacted in XX/XX/2017 by a Collections agency Procollect Inc ( XXXX XXXX XXXX, XXXX, TX, XXXX XXXX ) for a debt of {$5800.00}. 

Per the Collection Agency, I was owed rent and other charges while I stayed in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX ). I was told I was the second applicant in the rent application ( along with someone else ). The community failed to provide me any more details when I contacted them by phone. 

I have never lived in the said community. I own my house and live with my wife and XXXX XXXX. We have been married for 6 years. I have never even been to or seen the community. 

I had communicated the same to XXXX XXXX over the phone and sent them a notice on XX/XX/2017. I had also sent the notice to ProCollect Inc. I had also shared my Mortgage receipts, my address proofs for my owned house. 

XXXX XXXX never responded to my communication. They have now ( XX/XX/2017 ) placed this debt on my credit report which has now caused my credit score to drop considerably. 

Thanks, 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