milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have tried several times to contact Springleaf Financial/OneMain Financial to correct the unpaid status on my credit reports. In both cases the accounts were sold. Springleaf to XXXX XXXX and OneMain to XXXX XXXXBoth loans were settled with the debt purchasing companies. Copies of the paid information was sent to all three credit reporting agencies, as well as, the debt sellers.Both debt buyers have confirmed payment and claim to have notified the debt sellers of the paid status.XX/XX/XXXX I called XXXX and was told the account is paid/settled and that I should dispute the account with Springleaf to have the status updated as Paid/Settled to all credit reporting agencies.
XX/XX/XXXX I called Springleaf and was told the account was a charge off when sold and even though now that it was paid to the debt buyer, they will not update the credit bureaus as paid/settled.XX/XX/XXXX I called XXXX XXXX and was told they report to OneMain all payments once a month on the XX/XX/XXXX. My account should be updated on all credit bureaus as Paid/Settled upon the next reporting cycle.
XX/XX/XXXX I called OneMain and was told when XXXX XXXX reports the payment, the credit bureau will be updated as paid/settled.XX/XX/XXXX I mailed all proof of payment and a dispute letter-request to updated paid status to all credit bureaus to both OneMain and Springleaf Financial.XX/XX/XXXX I received a letter from Springfleaf/OneMain claiming the information reported is correct? They are still reporting the accounts as "Charged Off" delinquent and unpaid.XX/XX/XXXX I submit the complaint to the CFPB in hopes to obtain a correct paid status on the Springleaf and OneMain trade lines. I don't understand why even after a debt is sold and paid to the debt buyer, why the debt seller will not update the paid status. That would be the correct status, wouldn't it?

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: Complaint number XXXX Chrysler Capital has had FOUR MONTHS to provide basic readily available documentation. Correct the false reporting to CRA. Chrysler Capital has been evasive deceptive and combative. Asking for Sixty additional days to do something days that should have been taken care of in the FIRST SIXTY DAYS is clearly more deception and delay tactics and serves no purpose other than to cause Myself My Daughter and the other buyer more harm. If Chrysler Capital needs that time I will deduct {$300.00} a day from from the contract starting on XX/XX/2017 in addition to both financial and emotional damages. Provide loan assignment document, provide audit, provide first twelve months of statements, provide document to CRA to remove falsely reported late payments. provide clear title. I will expect the the above by XX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX ACCOUNT NUMBER ENDING IN XXXX XXXX DATE OPENED ON XX/XX/2014, IS REPORTING ONE LATE 30 DAY ON MY CREDIT REPORT THIS IS AN ABSOLUTE INACCURATE INFORMATION, PLEASE HAVE ALL THREE MAJOR CREDIT REPORTING AGENCIES TO REMOVE THIS LATE. 
I HAVE THE LETTER ATTACHED ( APPROVAL LETTER ) FROM XXXX XXXX XXXX, TO SOLVE THE PROBLEM BUT THE REPORTING AGENCIES SUCH AS EQUIFAX AND XXXX ARE NOT COOPERATING PLEASE SOLVE MY PROBLEM THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Mortgage (VA mortgage) with PHH Mortgage Services Corporation (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Good Morning! My name is XXXX XXXX my loan number is XXXX, is I 'd like to request your assistance. In XXXX XXXX 2013 to be exact, my home of XXXX XXXX XXXX XXXX, XXXX XXXX, was foreclosed. By this company, this mortgage company unfair policy and practices PHH XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, Phone number : XXXX XXXXXXXXXXXX. Prior to the foreclosure, I made several attempts to request assistance from the mortgage lender to help me obtain a loan modification in an effort to attempt to save my home. My request was based on the economic downturn of the economy which resulted in government employees not receiving pay raises, loss of income due to tax increases, and a government furlough. Due to PHH Mortgage Company 's irresponsibly and failure to respond to my questions or concerns, I lost my home. The XXXX Attorney General, the XXXX Division of Consumer Affairs, and the Offices of Consumer Protection, and your company agree there was miss conduct had occur and you all paid me monies, what I would be in our best interested is that your company remove the foreclosure from my credit. I have the information that was provide to me from the XXXX Attorney General, the XXXX Division of Consumer Affairs, and the Offices of Consumer Protection and the Veteran 's Affairs. If you all need a copy of this information please let me know. Thank you for your time and assistance. Please contact me with any questions you all may have. I would like to have my VA loan reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Credit card () with AMERICAN EXPRESS COMPANY ().
Issue: Closing/Cancelling account

Complaint: XX/XX/2015 I applied for an American Express Charge card as well as a credit card. I received both. I was making payments on time and never fell behind. In XX/XX/XXXX/XX/XX/2015 I was having difficulties paying the balance on the Charge card as I was in the middle of closing my store and trying to re-open in a new location. I had called to make payment arrangements and was able to meet them and if not I had called in to let them know that I would be making the payment on a particular day. XX/XX/2015 I had an arrangement to pay the balance of around XXXX to make my card current. I had made the payment and called in to see if it was received. I then was told I had to call an agency as it was transferred to them. I called the agency to find out what was going on as I did n't understand why as I never got a phone call or letter. The payment was received within a day or two of them transferring my account to cancellation and this agency. I now have a closed by credit grantor on my account. I tried calling AMEX to talk to someone about this and no one would help. My other card that is current and had no lates is now being closed and going to an agency.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I purchased a new vehicle from a dealer and paid it off before there was a debt created for the vehicle. Now the finance company continues to state there is an open account when I submitted evidence to them and the credit bureaus that the payoff was made and only XXXX has acknowledge that there is no debt. XXXX continues to report the debt even though they have admitted that the lender has not produces a contract to them validating a debt. XXXX has yet to respond to the matter.

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

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Using a debit or ATM card

Complaint: I left my chase atm card in a chase atm during normal banking hours earlier this week. when i try to call that chase bank branch XXXX the phone rings over 8 times and then i get a recording that tells me they are busy providing wonderful support to a different customer and i should call back in a few moments. I got this same recording for over 20 minutes. when i finally gave up and XXXX chase hq number XXXX and spoke with the nice lady ( XXXX at HQ in XXXX ) who answered the phone and explained everything to her she said she would try the branch and put me on hold. she then came back to the line with XXXX from the branch at XXXX XXXX fl who told me the following1. that they do not log atm cards that are turned into the branch2. that they shread said cards without bothering to notify there own customers that the card was turned in and shreaded. 
3 he then stated in a very condescending tone that i was the one who left my card. 
at that point i ask XXXX to remove him from the call and asked her to transfer me to the presidents office. she sent me to person named XXXX who was helpful regarding canceling my card and getting me a new card but said he really could not help other then waiving the replacement card fee. 

you should note that i have had repeated issues with chase and when i complain to them at best i get a follow up voicemail message from a branch manager who then hides behind his voice mail when i call back. I have even been lied to by the regional vp admin at there regional office XXXX and then they alo hide behind there voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was approached by a company on or about XXXX/XXXX/XXXX in reference to paying an old Payday Loan from XX/XX/XXXXThe individual spoke so fast, I did n't catch the name of the organization. When I stated that I did not have the money they were requesting, the gentleman began yelling at me and threatened to take the next step which he said was a lawsuit. The gentleman then hung up on me. 

A few days later, I received a " Civil Lawsuit - Notification '' letter dated XXXX/XXXX/XXXX from XXXX XXXX XXXX. The letter stated that I was about to be sued for a XXXX/XXXX/XXXX Payday Advance Loan from Ace Cash Express. 

On Friday, XXXX/XXXX/XXXX and on Saturday, XXXX/XXXX/XXXX, I received text messages advising me that legal action ( lawsuit ) is scheduled to be filed against me on Tuesday, XXXX XXXX. XXXX texts said to call XXXX and press XXXX " today '' to avoid this action. 

The outgoing message for the XXXX identifies the organization as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This debt is well passed the Statute of Limitations in my state and this collector is violating FTC practices.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX on or about XXXX/XXXX/2014 on EXPERIAN credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Complaint Description : I was told that once they received a documentation that an account that was not mine was to be deleted, they would remove it. This did not happen. On XXXX XXXX I notified that a collection from XXXX XXXX was on my credit report. The apartment information listed shows the wrong apartment number as well as the wrong number of lessees. I was told that a dispute could have a turn around of 90 days with each party having 30 days to contest or prove information listed. The agent from the collection, XXXX XXXX agreed to have the collection removed from my report with 30 - 45 days if paid in full. I received the deletion letter shortly afterward ; however the complex I found agreed to hold the place but for just 2 weeks and it is imperative that we move by XXXX XXXX. When I called Equifax to see if the process could be expedited, they stated I would have to dispute it and once it was confirmed that it is to be deleted they would take it off. I was told that the dispute was sent XX/XX/2016. The confirmation number is XXXX. I received a copy of the correspondence from the collection agency showing that the deletion request had been sent to XXXX, XXXX, and Equifax on XXXX XXXX. This collection was received by reported to be received by both XXXX and XXXX on the XXXX. Equifax stated they had not received it. I contacted the collection agency and it was confirmed by XXXX XXXX, the Director, Phone number XXXX, that they had responded to the dispute. Both XXXX and XXXX have removed the account ; however Equifax continues to state they did not received anything ; even though I have a copy of the correspondence sent to them. Today, XXXX/XXXX/2016, after speaking to an Equifax manager, XXXX, she was stated that she did not oversee that the department that oversees these disputes even though the department I contacted was the dispute department. She then stated there was no way she could find out if it had been received. When I requested the contact information for the department who could answer the question, she initially stated that she did not access to that information. After requesting that she not belittle my intelligence and as a manager I am sure she has access to every number there, her statement was revised to her not being able to provide that information to consumers. She disregarded the fact, I received notification of the deletion being sent and was very unhelpful. This is a time sensitive matter in which they are not honoring their own policies.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Received my Score form Experian from my bank. Folllowed the link on the pdf to get the free annual credit steps online on Experian. After I actually started disputing a few things on the report and adding them successfully to cart, I was n't allowed to proceed, kicked out of the system. I tried many. Still no access to all the work and disputes. A failure notice that says I need to write to Experian. No technical error. Tried a different laptop, great connection. I try to sign up and /or buy a product and it works well. This is a way of making things difficult deliberately to consumers -- who would mail instead of having online access? -- a way to oblige consumers to get the free annual report and actually dispute transactions online

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 EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Between XXXX and XXXX 2017, Equifax was hacked for over 140,000,000 credit reports. These reports included social security numbers and birth dates, everything needed for successful identity theft. This can have enormous repercussions if this data are ever used to forge my identity, and I must protect myself accordingly. Given the size of the US population and the number of individuals with credit information, it is highly likely that my identity was compromised in this hack. This high probability mandates that I act as if my information was stolen due to the negligence of Equifax in storing my information in an insecure manner. They should not have disclosed my information ( knowingly or unknowingly ) to anyone but me. 

This data will be in the hands of those who stole it for the rest of my life. Given that my social security and birth date will not change ever, this puts me at risk for identity theft for the rest of my life. In order to protect my identity for the rest of my life, I need to purchase ID surveillance software in perpetuity. The cost of standard packages is $ XXXX/month. Given that I am XXXX years and XXXX months old, and the social security administration estimates my lifespan at 82.2 years, this means I will need to pay for this service for an expected 54.7 years, which is a total of {$13000.00}. I would like this money given to me now to compensate for this negligent improper use of my financial and credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently received a copy of my credit report and was alarmed to learn you claim I have a delinquent account with you. I have never entered into any arrangement with you, nor did I sign a contract with your company. And as third party collector, you are not authorized to furnish any information on my credit report. In order to collect or report information about me, the law states you must first have my permission. I received no request for permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XXXX of 2013, I tried to apply for a auto loan and I was denied due to bad credit. This is the first time I 've tried to obtain credit anywhere. When my mom was showed the credit reward, it was all of my father 's information ( bad credit ), but, under my name. We have the same name but different middle initial. We 've contacted XXXX, but, this is a nightmare to try to fix. I want to go to college soon, and will need to apply for student loans, but, with this on my credit, I wo n't be able to get any assistance. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Negative information that belongs to someone else is on my Equifax Credit report. I reported it to them, they agreed that it was not my information but it is still there. The address is also not mine. It is from a pet hospital. I do n't have a pet.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Debt collection (Medical) with Works & Lentz, Inc (OK).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: There are XXXX collections from Works and Lentz, medical accounts ; They have been paid. Only XXXX credit bureau still shows them. Whu are they still on XXXX, and not the other XXXX. I need these taken off.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (WI).
Issue: Struggling to pay mortgage

Complaint: Due to A serious illness we applied for A loan modification from years XX/XX/XXXX to XX/XX/XXXX to lower our payments and interest rates down from 8/12 per cent so we could afford the payments. The process proceeded on until the house was under water with no conclusion on the loan modification application process. The amount of money went from XXXX XXXX XXXX XXXX XXXX, to XXXX XXXX XXXX XXXX XXXX during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (NY).
Issue: Confusing or misleading advertising or marketing

Complaint: Hi, I purchased a product online from an auto part dealer in XXXX. I sent XXXX USD to a XXXX XXXX working for the XXXX XXXX company through paypal. I received the product in XX/XX/XXXX and the product was not at all what was advertised. I was supposed to be receiving a carbon fiber rear view mirror for a XXXX XXXX however the company sent me this plastic mirror cover that was cheap and misleading. I was expecting to receive the whole carbon fiber mirror as it costed over {$80.00} and the company advertised it as a mirror even had a picture of the mirror as the advertisement. Anyways, I tried to come to an agreement with the seller and they would not respond when I asked for a refund with product return. So, I reported the seller to paypal and sent them additional supporting documents of my case and proof that this company is frauding consumers. Paypal ended up closing my case because they said I did not respond in time, which I did. I think it it ridiculous that they are letting this seller get away with fraud when they apparently are so addament about it. I just want my money refunded as it is the ethical thing for the company to do.

Company response to consumer: Closed with monetary relief