milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-08-2015 about Credit reporting () with ENCORE CAPITAL GROUP INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Midland Funding LLC is in direct willful violation of FCRA 623 ( a ) ( 1 ) ( B ) for reporting inaccurate information after notice, and FCRA 623 ( a ) ( 2 ) ( B ) for failing to provide corrections to the consumer reporting agencies. I filed a direct dispute with their Chief Compliance Officer under FCRA 623 ( a ) ( 8 ) ( D ) on XXXX XXXX, 2015 through XXXX I selected the option the dispute the debt, listed all of the identifying information required, and explained that the debt had been settled several months ago ( XXXX XXXX, 2015 ) but that they were incorrectly reporting that the account is still open with a balance. After not receiving an email response in a week, I mailed ( on XXXX XXXX, 2015 ) a physical copy of the direct dispute to the address on my credit reports. Again, including all of the required identifying information, identifying the specific information that is being disputed, the basis for dispute, and enclosed supporting documentation ( release of judgment lien, and settlement letter from Midland 's attorney ). It has been 30 days from my XXXX dispute via their website, and as of today XXXX XXXX, 2015, Midland has not corrected the information in my credit report. This is not " timely '' and Midland has reported the same negative information again since my dispute. I find it absolutely unacceptable that this unethical company knowingly and, I believe, purposely, reports incorrect negative information to credit reporting agencies to damage consumers ' reputation and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX XXXX, Equifax or XXXX has n't updated my credit report with my new address and phone number. I want XXXX XXXX, Equifax and XXXX to update my credit report and public records with my new address and phone number which is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX. I want a statement added to my credit report. I want the statement to read the following : Before creditors issue any credit in my name, they must call and verify it with me at : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-10-2017 about Consumer Loan (Vehicle loan) with DM Motors (MN).
Issue: Managing the loan or lease

Complaint: I already had initiated a complaint against DM motors because of an illegal repossession that cost me my job daycare issues and humiliation because they acted as if I was seriously behind yet the payment was n't even due. Then repossessed it and was very rude toward me. I initiated that complaint in XX/XX/XXXX, and it was brought to their attention in XX/XX/XXXX. They proposed a settlement offer but my reasonable outcomes I suggested initially were many months ago and based on a prompt solution not months later. Their offer of {$500.00} plus demanding me to remove any complaints I filed I declined. It cost me well over that by losing my job having people know I was repossessed even though it was n't even supposed to happen plus a day fdaycare I had to pay even though my child did n't go, I do not feel removing any complaints is even a fair suggestion because people need to know this happened and how the business is run. I 'm not the only one who has had trouble. To day I have many mechanical issues with the van as well. I have called and called, emailed, XXXX every way possible but not a single person responds or returns a call. Even for account. Nobody even acknowledges me. Not a proper way to handle a customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I WAS CHARGED FOR SOMETHING THAT I DID NOT AUTHORIZE ON MY BARCLAY XXXX CARD FOR XXXX. CARD ENDING IN XXXX. MY HUSBAND AND I WROTE A LETTER TO THE CREDIT CARD COMPANY AS SOON AS WE SAW THIS CHARGE ON OUR STATEMENT IN XXXX AND REPORTED IT. THEY PUT THE CREDIT ON OUR CARD AND THEN TOOK IT BACK. THIS HAS BEEN AN ONGOING PROCESS WITH THEM. I HAVE REACHED OUT TO THEM AND THEY WERE VERY NASTY TO MY HUSBAND AND I AND SAID THAT WE WERE TOO OLD TO REMEMBER WHAT WE DID, THAT WAS SO UNCALLED FOR WHAT THEY SAID TO ME. WE HAVE BEEN GOING THROUGH THIS SINCE XXXX AND ITS STILL GOING ON. MY HUSBAND IS NOW XXXX AND IM SICK MYSELF WITH XXXX. PLEASE HELP ME TO GET MY MONEY BACK.

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 10-03-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have several issues with Experian. See below : 1. The following XXXX bankruptcy accounts appearing on my file were previously removed in XX/XX/XXXX due to my credit file being mixed with another individual and not belonging to me. The Bankruptcy case # 's are XXXX and XXXX. As of XX/XX/XXXX they were re-inserted back onto my file. In addition, there were several other accounts that were not mine, XXXX, acct # XXXX, XXXX acct # XXXX, XXXX, acct # XXXX, and XXXX, acct # XXXX. All of these accounts belong to whomever my file is mixed with, they are not my accounts. I asked Experian to provide me with the documentation received from the creditors identifying that these accounts in fact belong to me which would be my ENTIRE social security number, address and DOB. I was informed by XXXX whom I spoke with today, ( XX/XX/XXXX ) that I would need to contact the creditors to obtain this information. I would like for Experian to provide me with a copy of the documentation proofing that the accounts in fact belong to me or remove them from my file immediately.

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 09/22/2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Credit line increase/decrease

Complaint: I applied and was awarded a Sears Citi Credit card in XXXX 2013. They approved and awarded me a credit limit of {$6000.00}. I have paid consistently without incident. Now they have dropped my limit to {$4800.00} which has impacted my credit score because I owe {$3800.00}. So instead of being {$820.00} away from be 50 % below the limit the credit limit keeps getting reduced as I pay the credit card down. So my credit score is lower then what it should be due to no fault of my own. Please request that Sears increase the limit back to {$6000.00} as originally agreed. They do not have to permit or allow any future charges, but I want my credit score to increase by having them maintain our original agreement. Thank you for your assistance with this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The account was deleted and replaced back onto my account. I requested per FCRA on XXXX an XXXX for Trans union to provide me with the actual documents they have on file to substantiate this charge-off. 
This account was initially deleted due to Identity theft by XXXX XXXX XXXX. I have requested that Trans Union once again permanently delete this account with a credit limit of {$600.00}

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 06/25/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX-XXXX-XXXXConsumer Financial Protection Bureau AndSenator XXXX XXXXLast year XX/XX/XXXX I filed complaints against Bank of America. Case numbers XXXX and this year case number XXXX. I was happy to report back that Bank of America was working with me concerning Loan Number XXXX. All I wanted was to be allowed in a Short Sale and for the bank to be fair with me. 
After XXXX year, having detailed phone calls, emails and XXXX Contracts on the House, I find out its all been a lie I was told verbally that I was approved for short Sale. I received a letter from XX/XX/XXXX stating I was. But for the last XXXX months I have been trying to remove an IRS Lien off the Property I find out today that I have not been approved ( only an Candidate ) I said all along I did not trust Bank of America. They miss led me for over a year accepting Contracts, working with my Realtor,, etc. while I am thinking I am in a short Sale. Running up the totals and closer to foreclosure. The problem did not surface until I was trying to remove an IRS Lien in order for these buyers could close. I asked repeat ally for the Documents the IRS was requesting. I feel I was lied to and the Home is now in Foreclosure. I have exhausted very attempt to make this work. I feel beat up and abused and giving upI am disgusted with Bank of America and I do n't believe anything they say.. To be honest writing this letter will not help either. So I guess Bank of America the BIG GIANT wins. 
This is beyond being unfair, A lot of people has worked hard this past year, all for what? 
XXXX XXXXLoan Number XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have previously requested that the charge-off accounts on my Equifax Credit Report from XXXX XXXX XXXX XXXX to be removed and blocked and or deleted because the account was opened fraudulently. Equifax has stated that XXXX XXXX XXXX XXXX has verified that the account is mine and it belongs to me. I have the email directly from XXXX XXXX XXXX XXXX and his name is XXXX XXXX stating on Friday XXXX/XXXX/XXXX that he has requested that the items are to be deleted from my credit report. But, Equifax as of Monday XXXX/XXXX/XXXX states that they verified that the accounts are mine and there should be no deletion. Once again Equifax continues to report information on my credit report that it should n't which is a direct and blatant violation of my rights. This information has been hendering my credit and I have been penalized over and over because the information that they are reporting is wrong!! I just received the deletion form from XXXX XXXX XXXX XXXX as well. I have attached it. I have been trying to get this removed off of my credit report for 5 months this is just ridiculous! This was supposed to be removed when I submitted the police report to you back in XX/XX/XXXX but instead of you blocking it under the XXXX order you submitted it as a dispute to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. All of these accounts are and have been opened due to Identity theft and fraud. I 've had to go to each one of them and submit the information. I sent you the deletion order for XXXX XXXX, which was deleted, now I am sending you the deletion order for XXXX XXXX XXXX XXXX and I am awaiting the deletion orders from XXXX and XXXX. You should have just removed it just like XXXX and XXXX had but you did n't. You have cost me so much. Your not doing your job as your supposed to your hendering everything by not doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Credit card () with BARCLAYS BANK DELAWARE (VA).
Issue: Delinquent account

Complaint: As part of earlier settlement with XXXX for In-App purchase, my XXXX old daughter had used a game on my wife phone which was tied to XXXX credit card. When we reached XXXX, they said they would reverse the charges. Somehow the charges on XXXX of credit card was not reversed. They continue to add financial charges and late fee. I informed my credit card company that these charge should not be there since I had spoken to XXXX. They did not remove the charges and continued charging. From initial charge of {$70.00} to {$700.00} with late fee. They have reported it to credit bureau and spoiled my credit score. Now they have turned the debit over to collectors who are constantly calling. I have called XXXX and unfortunately XXXX will not talk with Credit card company. As a consumer I feel frustrated after wasting a lot of time.

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 05-11-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I completed a modification with Wells Fargo, who needed to obtain clear title to finalize the modification. It took around 4 months longer but the modification was completed and Wells presented me with a clear title. Notorized documents from a XXXX XXXX at Wells Fargo and Schedule A of the title. 16 months later I receive foreclosure documents from my condo association for a total of XXXX for XXXX liens dating back to 2011 in which I had no idea. All XXXX liens were invalid and now due to the title company and Wells Fargo I am fighting once again for my home. 
the title company and wells fargo should be held accountable for not finding the liens I now have to pay on top of mortgage an additional XXXX per month for these mistakes and am now falling behind in my mortgage again after taking 6 yeats years to get a modification

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 11-12-2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Account opening, closing, or management

Complaint: Our former bank, BBVA Compass, notified us that they would begin charging us a monthly service fee effective XXXX/XXXX/16 if our balance with them fell below a certain amount. To avoid this, we closed our account at that bank in XXXX 2016, and in doing so, paid off the outstanding balance on our Overdraft Line of Credit associated with that account. 

In XXXX 2016, we received dividend payments via EFT transfers that were directed to this now closed account. Rather than reject these payments back to the originator because the account was closed, BBVA Compass elected to open a bank account in our name, illegally, without our authorization, without notifying us and by reusing our old account number in order to accept the credits. 

As the balance in the illegally opened account fell below their minimum requirements, BBVA Compass assessed us their service fee in late XXXX. This fee caused our account to be overdrawn, so BBVA Compass advanced funds from the Overdraft Line of Credit that they established, illegally, in our name, without our authorization and without notifying us they did so. Subsequently, we received a notice re : the Line of Credit Advance from BBVA Compass ; we then contacted them to learn what had happened. 

Because our account was closed, BBVA Compass should have returned/rejected the initial EFT transfers as required by standard XXXX regulations and sound business practices. They should not have opened a new bank account and established the Line of Credit on our account WITHOUT permission and notification. They have indicated that they will not acknowledge these errors are their fault, nor will they reverse the transactions processed into these illegally opened accounts. 

How many other customers has this happened to? We are insisting that the bank refund our credits and delete the charges. The bank is opening up accounts in clients names without their knowledge just like XXXX did to their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-09-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My only correct address on my report is XXXX n.y XXXX I resided there since 2001. Also no correct employment is on my report, I have worked for XXXX from XXXX to XXXX. Now my employment is XXXX XXXX N.Y 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
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
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: Delete, delete, delete.. ALL bureaus are suppose to have physical copies of all documentation from the creditors for the accounts they choose to report. So by not having a sign contract with a third party collection is illegal for them to collect on a debt, that 's " not contracted '' with them. Last but no least, THE RIGHT OF SUBROGATION DOES NOT EXIST FOR A STRANGER TO THE TRANSACTION. 73 AmJur 2nd, Section 90.
3rd party collectors are NOT ON ORGINAL CREDITOR CONTRACT! Never sign a legal binding contract : .Cant show internal verification, so please delete immediately. " so Canceled contract '' as another dispute reason .They do not have a contract with the entity they purchased the debt from along with contract rights.

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 11/29/2016 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (CT).
Issue: Managing the loan or lease

Complaint: BMW Financial Services claims I owe a payment on a closed account for a vehicle that was totaled on XXXX XXXX, 2016. The other party 's insurance company, XXXX, paid off the vehicle less an amount of around XXXX, do not have exact number available to me. A GAP claim was made with XXXX, the company handling the unpaid portion. However, claim was denied for various and inconsistent reasons, all bogus. I called BMWF today to discuss another account with them, call was transferred to another dept that did not pick up, this dept handles the account in question. I believe Ive spoken with them before and they were told I refuse to pay a dime on the account as the vehicle is totaled, GAP claim was denied for various and inconsistent reasons, all bogus. I understand the account is in my name, however, they have been told I refuse to pay numerous times before and were directed to XXXX and or XXXX for payment. In closing, please advise BMWF I again refuse to pay a dime on the account and to place a cease and desist, any and all payment inquiries should be directed to XXXX, claim number is XXXX, they can also call XXXX, do not have their claim number available.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: Santander has  been randomly adding to my principal balance. This month it went up over {$700.00} I have a credit tool that will show this now and Ive called them about it in the past.     I have had my vehicle over  three  years and the payoff amount is only ~ {$2000.00} under the original balance due. Please investigate this company this is not something that should be allowed.     This is a link for a large number of people with similar or the same issue with Santander   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I signed up with Equifax and    XXXX    to get my credit reports and scores, after adding a fraud alert on my reports with all  XXXX  bureaus. I paid {$1.00}, which was all they showed it cost. After about 2 months, I was notified that I needed to pay {$29.00} to keep receiving my reports and scores. I declined and they have not updated my scores since   X/XX/XXXX    . I know that because I have a fraud alert on my reports, I am entitled to receive my information free of charge every 30 days. When I call to request it, I get a couple of sheets, but not the full credit report. This has been going on for about  X  months.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: fedloan only has XXXX fax number which I have been trying to fax over documents to them for over 1 month now and the fax number does not work. When I called they stated they only have XXXX fax number. For a company that services millions of loans & they can not afford a 2nd fax number is crazy. I have never heard of such a thing. I have tried faxing in the middle of the night to try to get my documents to them. I tried different fax machines. I have tried everything under the sun to try & fax them. While I was on the phone talking to them to complain about their fax number I had faxed them over 15 times & they were all rejected. That is crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Fair Collections & Outsourcing ( FCO ) is reporting an account on my credit report that was paid and was suppose to be deleted from my credit reports once I agreed to pay them. The account is past the 3 year statute of limitation in Maryland and this account is from XXXX to XXXX. I paid the account as a settlement with the agreement that it would be removed once it was paid. I was told that they had the agreement from there client XXXX at the XXXX to offer the settlement for deletion but they continue to report this account on my credit reports.

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