milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/29/2016 about Consumer Loan (Vehicle loan) with MERCEDES BENZ FINANCIAL SERVICES (NJ).
Issue: Shopping for a loan or lease

Complaint: I did not authorize credit inquiry from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is a continuation of XXXX about DISCOVER CARD. 

Unfortunately, Discover did not update my information with the credit agencies as noted in the XXXX letter. 

In XXXX, I had the opportunity to refinance my mortgage at 4.00 %. My original rate was higher than it should have been because of the ding to my credit report. 

Because my information was not updated by Discover to the credit agencies, when I went to refinance, I did not qualify for the 4 % mortgage rate as my credit score was still dinged. 

After reaching out to Discover in XXXX, they did fix their error with the agencies ... .however, interest rates had moved up and the lowest rate that I could get was 4.125 % as the process took a bit over a week. 

This is an extra {$280.00} a month I am paying through no fault of my own and, over a 30 year mortgage this is around {$10000.00} in extra payments. Had my information been updated a month, two months, three months, four months after the letter was received, I would have been fine and would have been enjoying a 4 % rate. 

I would like Discover to look into making a contribution to the extra payments that I have to make as I am being punished and paying a higher rate than 4 % due to their oversight and 5 months after the letter, no update of my status with the credit agencies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been trying to fight late payment that show incorrect. Incorrect address that I do n't know and have never been attached to.

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 12-12-2017 about Debt collection (I do not know) with Midwest Recovery Systems (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I submitted written notification to Midwest Recovery Systems on XXXX/XXXX/XXXX asking them to validate this debt. Today is XXXX/XXXX/XXXX it has been 48 days and I have not received anything validating this debt. I have NEVER done business with Midwest Recovery Systems. I dont have a signed contract nor any contract with Midwest Recovery Systems. I have a right to demand to see the contract between Midwest Recovery Systems and myself. Midwest Recovery Systems has listed this account multiple times with the credit bureaus. I want this INVALIDATED DEBT REMOVED FROM ALL CREDIT REPORTS. Midwest Recovery Systems is NOT LICENSED in the state of TENNESSEE. I would like this unfounded and unvalidated debt removed form my credit report. Per Tennessee Code TFDCPA 62-20-101 and 105 thru 127, Tenn Law emphatically states that " a collection service can not commence or conduct the business of collecting debts in TENNESSEE without being so licensed and bonded as well as maintaining a " location manager '' who in turn is required to be licensed and bonded. in the State of Tennessee. UNLICENSED ACTIVITY IN THE STATE OF TENNESSEE POTENTIALLY SUBJECTS THE DEBT COLLECTOR TO CIVIL AND CRIMINAL PROSECUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Razor Capital, LLC (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Refer to CFPB Case number XXXX. 

Razor Capital LLC sold a debt that is n't mine to a debt buyer, which is the case number listed above. The statue of limitations in Michigan is XXXX years from the date of the last payment on the account, which was XX/XX/XXXX. These companies both have a charge off date of XX/XX/XXXX, and are using that date as the last payment date. I have never lived at the addresses for the utilities they say I am being charged for, nor have I ever had utilities in my name, much less make a payment. I have asked the debt buyer, XXXX XXXX, to stop contacting me, which they have. Both companies have refused to verify the debt and check their records. They have also failed to provide the documents I have requested, such as the debt verification and fraud packet. It is now XX/XX/XXXX, ( XXXX years after the last activity or " payment '' on the account ) and therefore, it is too late to get a court judgement on this debt. I am also extremely upset that Razor Capital has ignored my pleas to use my right to dispute the debt. As a matter of fact, just XXXX months ago was the first notice I had ever received about this debt collection effort. I have lived at the my current address for XXXX years, and I am just receiving this now? XXXX years after the fact? This is unacceptable, and extremely unethical.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello, my name is XXXX XXXX XXXX ( My father 's name is XXXX XXXX XXXX ) my fathers ' social security number and mine different only by the last digit, due to the fact that we arrived in the U.S. Together In XXXX and were issued social security numbers back to back. So, for the last XXXX+ years his credit cards, houses and autos are showing as mine as well as of right now my credit report is showing : XXXX credit cards, XXXX mortgages, and XXXX auto loans, out of those the only thing that is mine is XXXX auto loan from XXXX XXXX FOR {$9300.00}. I 've tried to solve this problem contacting creditors on my own and also through a lawyer which was expensive, and again he is up to his credit mess, and We are in the market to purchase a house but due to this mess we are not able to. My family and myself would appreciate your help at this point. Not sure what I can do as he will not stop opening credit cards to transfer balances, etc. I do not have a single credit card, because I do n't want to complicate the situation further. Please help! Please see all attachments below, and if you have further questions, please do not hesitate to call. 
Thank you so much, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On  XXXX   XXXX  I deposited a {$6000.00} check via my mobile device into my new account at Regions Bank in  XXXX , Al. The payor was a jewelry company that purchased an item from me. That company is located across  the street fr om Regions in  XXXX  and their check was drawn on a local bank. I was recently divorced and chose per my decree to return to my previous name  XXXX   XXXX . I opened the new account under  XXXX . I was previously  XXXX   XXXX  and the check was payable to  XXXX . On  XXXX   XXXX  I realized the deposit had not been credited to my account so I called Regions Customer Service. I was told the process normally takes  24  hours and would possibly post that day. It did not post that day so I called Customer service again and I was told that federal law allowed them to hold my deposit for 11 days. On The night of  XXXX   XXXX  I checked my mail and I had received a letter from Regions fraud department that said " we have received confidential information that the deposited check may not be paid '' and the funds would not be available until  XXXX   XXXX . On  XXXX   XXXX  I went into Regions to check on the possible fraud issue and I was told it was not fraud but the check was not paid by the payor 's bank due to NSF funds. I went across  the street to the jeweler that wrote the check. I viewed his on line account and saw that the check WAS  paid and had been drafted from his account. I also spoke to his banker who also confirmed that Regions had been paid for the check and it cleared the payors account and the funds were available. There was never an NSF issued. I went back to Regions and spoke again to the assistant manager, who then said there was a problem with my identify. I immediately provided her with my drivers license, SS card, and voters registration card, ALL under  XXXX . I then pointed out to her that Regions allowed me to open the account under  XXXX  with a  XXXX  ID. She contacted the operations manager and the fraud department in an effort to at least release a portion of my funds to meet my immediate need. The bank refused my request even though they had received the funds and I had proven my identity. This caused an egregious hardship on me and my family. Regions employees all told different lies about the receipt of the funds and the reasons for the lengthy hold. Even though the bank may be legally allowed to deny me access for 11 days to my money there was never a valid reason for them to do so. I am furious! They even offered me a LOC that would cost me interest to cover my immediate need. Regions should be paying me interest for holding my money! The law that allows banks to do that should be amended to define " just cause '' if the funds have been paid and consumer ID is verified.    XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. BANCORP (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I used to have a past due debt with US bank which I settled in full with US bank directly and who deleted this account from my report and resent the collection notice to the collector. Now several years later XXXX XXXX is despirately, agressively and insultingly trying to collect on the debt that has been paid off and cancelled by the original creditor. Is n't this illegal?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: {$1200.00} of balance from XXXX XXXX XXXX has been on my credit report for 9 years. I have tried to remove them but has not been successful.

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 05/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Municipal Collections of America, Inc. (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The debt collector contacted my son & daughter-in-law very soon after leaving message on my answering machine. I was already in contact with them, and told them I am contesting the validity of the debt. The debt collector has my current address and telephone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX/XXXX/2017 SW Credit Systems reported a Collection account to my XXXX  credit files, once I received the alert I immediately contacted them. I was advised it was for XXXX XXXX XXXX and I advised them it was fraud and needed the fraud department. The gentle man told me they did n't have a fraud department and directed me to online forms to provide to XXXX XXXX XXXX I provided the forms to XXXX XXXX XXXX and the collection agency has yet to remove the account from my credit files though I notified them it is as an result of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Bank account or service (Other bank product/service) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Account opening, closing, or management

Complaint: Sometime on XXXX 2016, we opened a Bank Account in HSBC BANK USA , NA. Immediately after this, we received XXXX debit cards, on my wife and mine name. After a week or so, the bank account was never opened by HSBC, so we trashed the XXXX debit cards and close our relationship with this Bank. To this date, we are receiving monthly statements on my wife 's debit card showing no activity or use of the card. Today I received XXXX open bank checks on my wife 's name. Being aware of the many cases of happening fraud, I have called the Bank to cancel this debit account. Finally an operator said she can do it if I supply certain information, including our passport number, date of birth and a few other questions. I requested to speak to a manager, without any results. I hope that your Bureau can help us on this matter as it seems impossible to solve the problem speaking with bank. The name of the account owner is : XXXX XXXX, our address is XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX NEW YORK, XXXX. Telephone # is XXXX. Account ends in XXXX. 

Thanks in advance for your help on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-03-2015 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: This is a new complaint seperate from my last complaint about bsi financial services. Bsi sent me a incorrect escrow analysis raising my payment by over XXXX dollars a month .after several unsuccessful attempts to get them to correct this with no success I filed a complaint with the consumer financial protection bureau. BSI promptly sent me a correct escrow analysis with a refund check because I had an excess in my escrow account. When I got the incorrect escrow analysis I contacted bsi that same day by phone and sent a qualified written request by certified mail the next day because I had the same problem last year and it took a complaint to the consumer financial protection bureau to finally solve the problem. Unfortunately XXXX months went by before the escrow analysis was corrected each month when my mortgage was due I sent in my regular payment amount of XXXX dollars instead of the XXXX dollars they were asking for. Even though they have sent me a correct escrow analysis and a new correct monthly payment of XXXX they are still sending statements that say I owe them XXXX payments of XXXX plus late fees.They did not apply the payments of XXXX to my account. They are still calling me and my wife by phone many times and we have both explained this to several different bsi representatives but it it is still not corrected as they just called me on XXXX XXXX 2015 for payment the agent had claimed to have no knowledge of the issue or my earlier complain to the consumer financial protection bureau. I explained the problem again but have know confidence it will get straightened out without your help.I have spent hours on the phone with them sent XXXX qualified written requests and XXXX complaints to you trying to get this simple problem fixed. Also I see online that this company has a f rating with the better business Bureau and many complaints online. I am going to send in my new payment amt. TO bsi this month even though they are asking for much more please help me!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Ive initiated several disputes with Experian over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlines and that your site has told me to do. Still having issues with some accounts because Iguess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. below are some documents i sent to them on several occasions. thank you for helping

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 11/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Navient my student loan servicer. Navient has been reporting student loans in deferment lowering my XXXX XXXX of over XXXX points in the process. A recent change in my credit report shows exactly how much they have been hurting my credit report. I have student loans for a very long time. Also, my income is low. As a result of low income I am forced into deferment because I can not afford the $ 1700+ monthly payments. I can not obtain credit due to Navient being a major factor in lowering my score. I would like to finish my XXXX XXXX XXXX. However, I can not get a loan

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (TX).
Issue: Taking out the loan or lease

Complaint: You stated that it was not assigned to a different lender, so give me the EIN numbers of XXXX XXXX XXXX and also the EIN number of XXXX before they changed their names to Wells Fargo Dealer Services. And the last XXXX numbers of Wells Fargo Dealer Services 's EIN number as of todays date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I mailed a M ultiple Inquiry Removal Letter o n  XXXX   XXXX ,    2017  to Transunion by certified mail in order to dispute information, in regards to  XXXX  hard inquiries that were being reported on my credit report. They received the letter on  XXXX   XXXX ,  2017 . The request that I submitted included hard inquiries that were not factual and I received the same response fo r ALL inquiries, which was inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. According to the FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated. If you do not investigate AND respond, the CRA must delete the disputed information from its files. One can assume that there was no investigation into the matter due to no reponse. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute. For hard inquiries that do n ot belong to me. I did not sign for anything. These are unfair practices by a credit reporting agency with no concern for credit worthiness by a consumer.

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 07-05-2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The last name of XXXX is on my credit report. This has never been my last name. My maiden and current name is XXXX. Also there are accounts from XXXX that were paid in full and closed by me that I have requested to be removed and are still on my report with both Equifax and XXXX. XXXX being XXXX XXXX XXXX, XXXX is XXXX credit card and the other is XXXX XXXX Credit card.I would like that incorrect name removed as well as the 9-10 year old loans and credit accounts listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a loan modification for over 2 years from my lender BSI Financial. They routinely turn me down for a loan modification for reasons that are false, ( this last time they said that I only make XXXX a month and that is not enough, but in reality I make over XXXX a month ). They never return my phone calls and I had to file chapter XXXX a year ago to keep them from selling my house out from underneath me. Until XXXX I was paying the Chapter XXXX trustee over XXXX a month and my loan payment of XXXX to BSI. But I have not paid them since XXXX but have stayed current on my payments to the Trustee. I have found thousands of consumer complaints about them and they have done everything possible to get me out of my house. Please help me keep my home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XXXX XXXX, XXXX I had a credit card balance of {$9400.00} on my Capital One Credit card. I made my minimum payment of {$250.00} that same day. On XXXX XXXX, XXXX I called Capital One to inquire if they would be willing to accept a settlement, but still keep my account open. They declined and stated the only way to bring my balance to {$0.00} was to pay the full amount due which was now at {$9100.00}. That day I paid my remaining balance in whole which settled my debt with Capital One. A few days ago I received an email letting me know my statement for the month was ready. On a balance of {$0.00} Capital One decided to charge me interest of {$140.00}. Today, XXXX XXXX, XXXX I spoke to a Capital One manager, over the phone, ( XXXX ID # XXXX ). She and the employee ( ID # XXXX ) I spoke with before I was transferred to her refused to wave the interest charged from a {$0.00} balance. They insisted it was interest being charged from the previous balance. The manager I spoke with on XXXX XXXX said as long as I paid the balance of {$9100.00} I would have gotten rid of my debt. Now Capital One is attempting to steal {$140.00} from me after settling my debt with them.

Company response to consumer: Closed with explanation