milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-01-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Upon inspecting my XXXX Credit Report for Hard Inquiries, I found several items that I had never applied for, in this order : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ZALES/CBNA ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). 

I never authorized these companies to pull my credit information, and have never filled out any forms or applied for any of their credit services, yet they have all made hard inquiries on my credit report. 

I 'm not sure if they are someone else 's accounts and being reported on mine, as my credit reports do not indicate that I have accounts with these businesses ; only that they are making hard inquiries on my credit report without my permission and damaging my score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with TCF NATIONAL BANK (FL).
Issue: Trouble during payment process

Complaint: TCF BANK I have sent extra payments in  XXXX  totaling {$1600.00} but is not reflecting on the mortgage statement.      XXXX / XXXX /  XXXX   {$550.00}  XXXX / XXXX /  XXXX   {$550.00}  XXXX / XXXX /  XXXX   {$550.00} Why is the new statement {$620.00}? Where were the extra funds applied?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Consumer Loan (Installment loan) with LENDING CLUB CORP (CA).
Issue: Taking out the loan or lease

Complaint: Lending Club led me to believe that my loan had been approved when in actuality it had not. They continued to request documents, to the point where I realized they had never approved it to start with. Yet one week ago when I applied, their website stated " Your {$1200.00} loan is on its way. '' This is deceptive as there was never a " loan on its way. ''

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was not the card holders it was XXXX. Citi card

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
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 have provided all three credit bureaus information regarding XXXX XXXX which included conflict of the original balance being reported to the credit bureaus and me I provided documentation to support the dispute as I have always done. on XXXX XXXX2017 XXXX sent me an email stating XXXX XXXX was being removed from my credit. based on Experian providing me documentation through my credit report stating the original loan balance was different from what the loan statement was. As of today, with all the documentation provided, XXXX continue to have this account as if it was dismissed in a bankruptcy. This account was never in bankruptcy. I have not received word on Experian in which provided me documentation of that they have raised my credit score. 

I believe I am one of those who had been hacked because my credit score was higher before the information was leaked now it is really low. the lowest

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 10-03-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (MO).
Issue: Trouble during payment process

Complaint: I closed on the sale of my house in XXXX XXXX, MO on XXXX XXXX, XXXX. The property was encumbered by mortgage held by Nationstar Mortgage dba Mr. Cooper. 

The payoff demanded was inclusive of interest through the end of XXXX which I questioned with settlement agent as mortgage is NOT a government loan. 

I have yet to receive from Nationstar/Mr. Cooper the  interest overage included in the payoff and seek to confirm this is acceptable practice given my payoff is shown as received as of XXXX XXXX and mortgagee has retained approximately 22 days of interest UNNECESSARILY. This is ROBBERY, unethical business practice by Nationstar. 

My inquiries to mortgagee via their website has resulted in their reply stating they need one week to research ....???? 

What is my recourse? Is Nationstar within acceptable standard to require this overage and withhold these monies for this long?

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Vehicle loan or lease (Lease) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: XX/XX/XXXX We buy a new leased XXXX XXXX ; and end our lease on XXXX same model car. Dealer XXXX salesperson verifies that cord is there, tire kit, GPS, and overall says " good shape, this will be a great car for resale. '' In XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/ get heavily called by XXXX XXXX asking us about the XXXX XXXX. I say it was turned in XX/XX/XXXX ; we do n't own and give out name of salesperson. The calls get so bad I file a complaint w/corporate XXXX and ask them to reassure this dealer will ground the car and do their job, we 've had issues w/dealer in the past and I am informed that they 've noted my complaint ; dealer will be reviewed, there wo n't be an end of lease bill. XXXX apologizes for dealer lack of good service for customer loyalty on 2nd XXXX purchase. 

XX/XX/XXXX we get end of LEASE bill. I have many conversations trying to get XXXX XXXX management to sort out that the bill is bogus. dealer sat on car for 3 months - why are we liable for a car that we had no control over how/what/used? XXXX, " Office of the President '' manager waives the power cord charge, but wo n't budge over tires. Every time I call I explain that i ca n't start over w/every rep & retell the saga of this dealer. I ask for an internal email to be sent to a XXXX rep that I DID have a logical conversation with in XX/XX/XXXX. That rep calls, leaves a XXXX XXXX number- ca n't reach her in a sea of XXXX employees? I call back numerous times and ask again that an internal email be sent to her again, so that she 'll call -- hopeless. My last request was for " ALL CALLS to stop, that we will not pay these false charges. '' XXXX called again today and it was not the " Management Specialist '' that I asked for. I can not start over every time with a new rep ; these calls are harassment, they go nowhere and even XXXX management will not help.

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

Complaint: I am in the process of purchasing a home and FHA XXXX my loan type ) requires all trade lines that reflect I dispute to be removed. I called each bureau, XXXX Experian, XXXX to remove all disputes on my credit report. After several attempts Experian will not remove this dispute. I called XXXX to tell them I want a letter stating I am telling them I know longer dispute and they would not give me this letter unless I paid the account in full so that is what I did XXXX XXXX. When I received the letter all it says is they received a payment from me for {$1500.00}. Nothing that says the account is paid in full and nothing that says the trade line is no longer in dispute. My lender then sent me a letter that the credit company use says they can submit to all bureaus to remove the dispute for me. I signed and they tried with no results. At this point I can not get a loan and my husband and I are living in a hotel waiting to clear this matter. I demand that Experian update my report and I demand XXXX funding to remove that I am disputing this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: complaint of double standard : I have over XXXX XXXX XXXX of dollars deposited in checking account and got no interest. But Chase bank charged me a late fee of {$25.00} for overlooking a payment due date. On top of that it charged me a {$9.00} interest. XXXX on {$25.00} translated into a rate of interest 40 %. This is abusive and excessive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have XXXX XXXX accounts on my credit report : XXXX ( XXXX ) and XXXX ( XXXX ) with a 30 day late payment that was authorized by XXXX to be removed. XXXX and XXXX have already done so, yet transunion has yet to budge. I have attached the document from XXXX Also there is an inquiry on my credit report for XXXX, IA XXXX XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/2016 I have disputed it and they tell me to contact XXXX which they stated that they have no information on such inquiry.

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 07/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a letter trying to collect {$210.00} for XXXX XXXX services. Letter was sent to my address, but addressed to someone else. 
I have n't had XXXX XXXX for over 15 years, and when I contacted their customer service, they told me the account number in the letter does n't match my information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Students loans duplicated and were paid off showing on credit sent dispute to have them removed. Still showing need to be removed. 

XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00} XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00} XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$1700.00} XX/XX/XXXX Creditor Name XXXX XXXX XXXX/XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$1700.00} XX/XX/XXXX Creditor Name XXXX XXXX XXXX/XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$750.00} XX/XX/XXXX Creditor Name XXXX XXXX XXXX/XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00}

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 10/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX in XXXX Texas is in Retaliation because l terminated my home and auto insurance and went with XXXX XXXX XXXX for both my home and auto. 
XXXX XXXX was cancelled on XX/XX/2015 because of insurance coverage on my home and car. 
My home and car was n't fully coverage and there was loopholes on my contract with XXXX XXXX. 
XXXX XXXX XXXX Agent XXXX XXXX XXXX in XXXX XXXX Texas educated me and fully implemented full coverage on both home and auto without no loopholes or overcharges. 
In due of respect to Farmers Insurance Agent XXXX XXXX that 's XXXX, she did n't look for my interest as a consumer and XXXX. 
I am on XXXX and Retired and on a fixed income. 
XXXX XXXX is also in Retaliation because l filed complaints against XXXX XXXX in XXXX Texas. 
I am protected under my XXXX XXXX act. 
I am not disrepecting XXXX XXXX but l had issues with them since l subscribe Home and Auto insurance starting XX/XX/2015.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Taking out the loan or lease

Complaint: On XXXX/XXXX/XXXX, we traded our XXXX Dodge Durango to a dealership. After the payoff funds were sent to Santander Consumer USA, they refused to release the title to the dealership. The Dealership could not resell the vehicle and then Santander went and took possession of the XXXX Dodge Durango from the Dealership. Now they are trying to collect money from me, claiming it is the balance of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Three years in a row I 've tried to receive my credit report online. Never had issues with XXXX or XXXX. Equifax is the only one that repeatedly will not provide my free report online. I needed to dispute inaccuracies on my reports that are being shown on various websites. I did that through XXXX, and XXXX just fine. I go to file an online dispute with Equifax and was denied access due to my failing of verification questions. The same thing that happens each and every time I 've ever tried to receive my free report online. I have to wait weeks for it to come in the mail, if it shows up at all. Upon submission, the page comes up with an error message that says, " the information you provided does not match our records. '' Well, the questions they asked were pretty straight forward. 1. ) Mortgage loan. - Well I 've never owned a home. Obviously the answer is none of the above. 2. ) Monthly payment of above loan - Well I do n't have one. Obviously the answer is none of the above. 3. ) Address associated with my credit - I know where I 've lived. 4. ) Auto loan I just paid off last month - I know what bank I 've been paying each month for years. YET! It tells me that information is wrong. Simply due to clear inaccuracies of their " records '' and now being concerned about possible identity theft I phoned multiple times to receive another free report in which I 'm ENTITLED TO BY FEDERAL LAW. Spoke with numerous people, through numerous departments, with even a supervisor and they REFUSE to give me my free report. They 're very quick to offer to give me one if I pay for it though. This is fraud, and breaking federal law ; and I was very concise in explaining to them the laws they 're breaking. It 's clear their " records '' are incorrect, contain inaccuracies, or I would n't have failed the verification questions. If I have evidence they are reporting wrong information, their records are inaccurate, or am concerned about theft, it does n't matter if I received my free report nine months ago ; I am entitled to another one from their bureau. After doing research, it seems this is common practice with Equifax just to get people to purchase another report. I smell a class action lawsuit coming in the foreseeable future, which is why I " audio recorded '' their associates refusing to provide me my report unless I paid for it. Their online error messages suggest solutions, which are quickly denied upon contacting them. They are reporting false information, and refuse to provide me with the required information to be able to dispute it. THAT IS ILLEGAL!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: After the Equifax breach or all of our personal info, I read an article put out by the XXXX Association of Realtors warning of the calamities in the housing, mortgage & credit markets that is soon to come when so many of us will have fraudulent charges to deal with. The article directed to an Equifax website that would explain how to put a credit freeze on all 3 credit reporting agencies. I went there and they had a message saying how they were swamped with requests and could not currently have the online request for available but gave a phone number to do it instead. When I called the phone number, the person said they were not set up to take freeze requests. WAhen I asked what number was, the person put me on hold to ask. When he came back he said it was impossible. Everyone has to do it online. I went online to do some more investigation. I found out that the freeze requests are being taken by a 3rd party  company who asks for your full information, including basically all that was lost by Equifax in their hack scandal in the first place. I ca n't see how making consumers risk one more place to have their info get hacked and stolen online is any kind of a solution toward safeguarding their jeopardized credit form a company in which they have no control over how that company uses or does n't safeguard their info. This is outlandish. What can be done? Apart form that concern is another ... .If someone does not have a computer or access to one, they can not be compelled to comply with online requests being the only option. Handicapped or poor people have to be accommodated in another way! Please respond.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Debt collection (Medical debt) with LANIER COLLECTIONS AGENCY AND SERVICES INC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently noticed several ( 5 ) accounts listed on my credit report from a debt collector, Lanier Collections, and I do not know anything about these accounts nor have I received medical treatments from the entity they are representing. I am not responsible for these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Re : XXXX XXXX XXXX, SS # XXXX, XXXX XXXX XXXX, XXXX, MA XXXX : XXXX Second Mortgage, XXXX XXXX, XXXX, Book XXXX, Page XXXX Satisfaction and Discharge of Mortgage, XXXX XXXX, XXXX, Book XXXX, Page XXXX for Mortgage, XXXX XXXX, XXXX, Book XXXX, Page XXXX Whom It May Concern : This complaint and attached documentation is to prove the Expiration of the Statute of Limitations, inaccurate, fraudulent Charge Off credit reporting, and denial of credit and selling of HBSC account to XXXX XXXX XXXX as Statute of Limitations has expired for the above referenced XXXX XXXX XXXX. 

HBSC did not accurately report payment history of accounts and I request the information be removed from Credit Reporting agencies. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIZENS FINANCIAL GROUP, INC. (RI).
Issue: Trouble during payment process

Complaint: Citizens Bank / XXXX XXXX XXXX XXXX has me listed on my credit as of XXXX 2017 as being 120 past due I have not been 30 days late in 4 years. I sent to Citizens CET department a list of all payments including the confirmation numbers that the payments cleared. Citizens also added a fee of {$640.00} for an appraisal fee and told me it is because I was more than 90 days late ( which is not true ). I am trying to refinance my home and can not because of their false reporting of this. I faxed and emailed them on X/X/2017 although they have contacted me and acknowledged they are looking in to this but will not straighten this out.
Also they charged me a late fee of {$10.00} because they say its more than 10 days past due but there is a 15 day grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: Credit Bureau in violation of FCRA, FDCPA and XXXX XXXX Compliance.

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 09-02-2016 about Debt collection (I do not know) with Direct Recovery Services, LLC (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I was contacted by an agency claiming to be called " Direct Recovery Services '' via phone and e-mail. I received a voicemail from this agency with threats of arrest and further legal action if I did not contact the agency prior to their deadline. The agency refuses to provide verification of debt via US Mail. 

I also received an e-mail from this agency with their website information ( www.directrecoveryservices.com ). They claim to be a XXXX accredited business. A cross-reference of the XXXX database proved this claim to be false, and I have filed the appropriate complaint with the XXXX. The agency previously operated in the state of New York, using a different website ( directrecovery.org ). Per the XXXX, under the New York address, the agency was issued a cease and desist order for misrepresenting themselves as a XXXX accredited business.

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