milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am requesting that the following accounts and inquiries be removed from my credit report immediately. These accounts do not belong to me and I did not authorize the follow inquires/creditors to obtain a copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX/XXXX XXXX IN Last reported : XX/XX/XXXX {$7600.00} Good XXXX  Last reported : XX/XX/XXXX {$990.00} Good XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$780.00} 30-59 Days Late XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$670.00} 30-59 Days Late XXXX/XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX {$560.00} 30-59 Days Late XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$540.00} 30-59 Days Late XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$450.00} 30-59 Days Late XXXX/XXXX XXXX Last reported : XX/XX/XXXX {$280.00} Good XXXX/XXXX Last reported : XX/XX/XXXX {$240.00} Good XXXX/XXXX Last reported :XX/XX/XXXX Other Loans : XXXX XXXX XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$8400.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$7200.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$6000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$5300.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$4500.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$4300.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$3100.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$3000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$2200.00} Good XXXX XXXX/XXXX Last reported : XX/XX/XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Lease Date Opened XX/XX/XXXX Account Status Open Payment Status Past due 60 days Status Updated XX/XX/XXXX Usage - Balance {$5200.00} Balance Updated XX/XX/XXXX Original Balance {$5300.00} Monthly Payment {$160.00} Past Due Amount {$520.00} Highest Balance - Terms 32 Months Responsibility Individual {$2000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$2000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX Closed Account : XXXX XXXX {$140.00} Credit inquires : XXXX/XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX/XXXX Inquiry from XX/XX/XXXX Personal Loans Cos.

XXXX XXXX XXXX XXXX Inquiry from XX/XX/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 09/20/2017 about Vehicle loan or lease (Loan) with TCF NATIONAL BANK (FL).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: ON XXXX/XXXX/XXXX GATEWAY ONE LENDING APPROVED A AUTO LOAN FOR {$28000.00}. THE AUTO WAS INVOLVED IN AN ACCIDENT WHERE IT WAS PAID OFF BY XXXX XXXX AND US WARRANTY ( GAP INSURANCE ). 
GATEWAY ONE LENDING HAS REPORTED THE ACCOUNT AS A CHARGE OFF ACCOUNT. IN THE CREDIT REPORT IN THE REMARKS SECTION IT REPORTED " UNPAID BALANCE CHARGED OFF '' FOR {$5900.00}. I CONTACTED THEM AND THEY SAID THAT BECAUSE THE US WARRANTY PAID LATE THAT THEY REPORTED THE CAR LOAN AS A CHARGED OFF. I STATED TO THEM THAT I MADE MY PAYMENTS UNTIL THE CAR WAS PAID OFF. I HAVE TRIED EVERYTHING TO GET THIS RESOLVED BUT NEITHER GATEWAY ONE LENDING, US WARRANTY, OR XXXX HAVE A CORRECT ANSWER OR SOLUTION TO THIS PROBLEM. 
THE LAST PERSON THAT I TRIED TO CORRECT THIS PROBLEM WITH WAS A : XXXX XXXX, XXXX. THIS REPORTING IS AFFECTING MY CREDIT SCORE AND I HAVE ALREADY LOST XXXX JOBS DUE TO THIS INFORMATION. THIS IS NOT FAIR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (WI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: My payment was due on the XX/XX/XXXX, and through electronic payment, it was paid on the XX/XX/XXXX. My  checking account shows the money being taken out of my account on the XX/XX/XXXX. 

Four days later, XXXX XXXX sticks me with a late fee and claims it was paid on the XX/XX/XXXX. I called them, and they did remove the late fee but said to make sure it was paid 3 days ahead of the due date ( even though they took 4 days to process it ). 

Either the money is in MY hands or it is in THEIR hands, not somewhere magically in limbo. Charging a late fee because it " takes time to process '' is simply taking advantage of customers to get more money. Just because I called them out on it and they reversed the late fee does n't make it right. If it 's not in my account, then the bill is PAID!!! 

XXXX XXXX is not the only one who does this. I have had similar experiences with nearly every company accepting payments for services or credit. They all have explicit bank records showing when the money was transferred just like I do, and in this day and age there is ZERO excuse for not recognizing that date and time instead of the date it was " processed ''.

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 12/28/2015 about Debt collection (Payday loan) with United Debt Holdings, LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Company claims to have a courier company to send me legal documents and are trying to serve me with papers. They are stating that I owe them {$1200.00}. A man named XXXX XXXX is calling me stating that I have to appear in court.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX I notified my bank that check # XXXX {$1300.00} was endorsed by someone other than XXXX XXXX. XXXX XXXX and I called XXXX XXXX XXXX. When we got no response or cooperation from them I filed a complaint against them with CFP # XXXX. I was then contacted by BofA and was told to file a claim with my bank, which I did. Not XXXX but XXXX because the first person did n't do it correctly. On XX/XX/XXXX Chase sent me a letter stating that they received my affidavit and was told that it could take 30-90 days. On XX/XX/XXXX I called Chase and spoke to someone called XXXX and spent XXXX min. trying to get the status and to speak with a supervisor. None was available except that they were waiting for BofA to respond. I then filed another complaint against XXXX # XXXX and was once again informed by BofA that they were waiting for Chase to contact them. Today I went to a Chase branch and after having expressed my frustration to a CSR, She called the Fraud department and she became frustrated when she was informed that there was no manager available. She was given the same story about it going through a process. She was trying to inform XXXX that it has now been 4 months and it should not have taken so long especially when XXXX stated that they were waiting for Chase to contact them. I now want to filed a complaint against Chase Bank XXXX investigation for following through with proper procedure in a timely matter with my claim # XXXX. Four months is a long time to wait for something that was complied with on my part for all parties involved. Chase Bank has been negligent to expedite my claim in a timely manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-02-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My loan debt is zero. I 've received all letters stating this and I 'm out of default status. I 'm beginning college at University XXXX next week and this negative impact on my financial aid is Ludacris. I have proof all loans are not default or have a balance. They harass with calls even though I owe nothing I 'm going to sue if I have to. I want that negative impact information removed asap my credit is suffering because of these greedy collection agencies and I wo n't stand for it.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: On Equifax, there is still a " XXXX, TX '' address. I have never even been to Texas. That is not mine. I contacted someone in the past, it must have been XXXX, as I see it is not on that one anymore. I need that removed. I have paid off XXXX large debts within the past 3 months and my credit score keeps going down. Why?

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Medical) with Credit Collections U.S.A., L.L.C. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is not mine. I noticed this alleged account showing in collections on my credit report. I have NEVER received so much as a phone call from this company, nor have I received a letter in the mail from this company stating that a debt is owed. I have disputed this twice on my credit report this year, once in XXXX and once in XXXX and both times the credit bureau responded stating that they verified with the collection agency that the debt was valid, however they will not tell me HOW this debt is valid. Even after this alleged verification, I still have yet to receive a phone call or a letter in the mail regarding this debt.

Company response to consumer: Untimely response
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted Equifax on XX/XX/XXXX and made them aware of inquiries on my credit report that I did not authorize and are a result of fraud. The inquiries and dates are as follows : XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. I have an active fraud alert on my consumer report with Equifax and I extended it for another 90 days in attempt to prevent any further fraudulent activity. I also submitted a police report to accompany my claim, which I have included with this complaint. The report contains information that proves my personal information was compromised. I received correspondence from Equifax stating that the fraudulent inquiries still remain on my report. I am very upset that my personal information is being mishandled by Equifax and I should not be held accountable for a fraud related situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2016 about Debt collection (Credit card) with Global Credit & Collection Corporation (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Global Credit and Collection Corporation continues to call my cell number XXXX to discuss a debt I owe. They have also reached out to my ex husband to discuss my debt, which is a clear violation of my rights. When I ask them to send a letter to validate amount and debt I owe and to stop talking to third parties about any of my debt, I receive a letter from XXXX XXXX, stating they can not locate my account. How is that possible they can not locate the account with my cell phone number XXXX, last XXXX digits of my social security number : XXXX, my address : XXXX XXXX XXXX XXXX, CA XXXX, etc. Is this company not keeping accurate records of who they are contacting? I called XXXX XXXX with the letter they provided me. This person does n't exist at : XXXX or XXXX. So, this leads me to believe they are scamming and breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Mortgage (Other mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: I called to get a quote from Quicken Loans and they insisted they take my social security # to give me a quote based on my credit score. It would be a soft check like a car insurance company would do. It was a XXXX minute phone call. The guy calls me back and gives me a quote for XXXX for a 15 year loan or a 20 year loan for XXXX for {$250.00} XXXX refinance. I told him I was not interested as it is not beating what I had. Within a couple of days I have an estimate in the mail with a 30 year rate for XXXX APR which I never inquired about. I also got calls from the company asking me how my loan was doing. They started an application process even though I never asked for XXXX. I feel like there is fraud and misrepresentation going on with that company and I am outraged. They not only started an application without my knowledge or permission, but they sent a quote for a term I never inquired about or was interested in. It shows me the quote on the phone was a lie as well.

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. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: To whom it may concern : I have had a lot of problems with the XXXX XXXX XXXX of XXXX XXXX California. Attached are Affidavit ( s ) letters to the point of contact ( XXXX XXXX XXXX and her associates from the XXXX.. I had a family business during the recession of XXXX XXXX and the economy got the best of us, but I paid our tax lien of $ XXXX XXXX. 

The tax lien debt was tendered in XXXX and the XXXX from XXXX mailed me a tax payer copy, showing, and expressing a tax lien release filed by the XXXX of XXXX within XXXX XXXX and XXXX XXXX XXXX California. The XXXX also went after my son XXXX XXXX XXXX XXXX creating another account number to create another $ XXXX of owed debt by filing the same debt publicly under my son. I have letters expressing the confusing and I even gave instruction to the XXXX to following up with their Headquarters, but we somehow come back to the issue yet again. Please review all attachments. 


Thank you, 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 05-07-2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had an account with XXXX XXXX XXXX ( XXXX ), a checking account ... I was to collect money to make payments to a lawyer ... A person that was suppose to deposit money to my account deposited a check for Approximately 4,000.00 dollars ... I was waiting for the check to clear, a day. The next day I checked my account to see if the check had cleared ... It had NOT cleared ... They said they were going to send the check back to the sender and they were going to place a bad comment on my CheckSystems account ... They then closed my account ... 
I have tried to open another account, but I ca n't because of their bad comment on the ChekSystems about me ... 
I did not do anything to deserve this bad comment ... It was not me who tried to defraud the XXXX ... It is their bad comment that has hurt me ... I am a XXXX Veteran and I need a way to do banking .... I am very careful with my banking and have never done anything to create a problem with an account .... This a very unfair practice of XXXX .... They should n't be able to hurt someone and not be accountable for it ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Debt collection (Payday loan debt) with BlueChip Financial (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Received a call from a XXXX Delaware number ( XXXX ) XXXX, first they called on my house phone which I did not answer, then they called my cell I answer and they guy was saying that I owe {$600.00} plus on a loan from XXXX  and saw that I was making payments on the loan in 2015. I said ok well I need to see this in writing to see the amount of the loan, he said he can't send that to me because they have been before and I have not received anything from them in years. So then he said its turned over to litigation and they will pursue legal actions towards me and I stated well I need validation in writing about this loan that they say I owe and I know I don't owe that much if I had been making the payments on the loan. So then he kept talking asking what made me fall behind and I just hung up the phone and he called me right back but I did not answer, I did ask for a validation letter and was told it's too late for them to send.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On three seperate dates I 've mailed the CRA 's a letter as follows : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. ( I have left out the accounts for privacy reasons ) Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

I have not received any such documents as of this date.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Bank account or service (Other bank product/service) with U.S. BANCORP (KS).
Issue: Deposits and withdrawals

Complaint: I have an Equity line of credit with US Bank. The total of the loan was {$55000.00}. I unfortunately was scammed by a guy I met on XXXX. He told me his name was XXXX XXXX. He suckered me into giving him my Equity Line of credit information. He paid it off and then all of a sudden it was back up to the max. I received a letter from the bank asking me if I wanted to raise my limit and never sent the letter back. Yes it was my fault that I gave this scammer my info but I never gave the bank the authorization to raise my line of credit. I was a victim of a scam. I did n't find out about this until I got a call from someone at the bank telling me I owed over {$84000.00}. If they can call me and tell me that I owed that much then why did n't they call me to ask me if I wanted my equity line of credit raised? This is very scary for me because I can not afford to pay back {$84000.00}. I will pay the {$55000.00} because that is what my husband and I agreed to when we first took the loan out. My husband passed away on XX/XX/2008. I am living on social security and working a part time job just to make ends meet. Please if you can help me I would appreciate it so much. I have spoken to XXXX XXXX in the Fraud dept at US bank phone # XXXX and email is XXXXXXXXXXXX and he told me because I gave this scammer my info I am responsible for the total amount. I do n't feel like I should have to pay the extra money. The bank has my phone number and could have called me to see if I wanted to raise my equity line. They sure called me when the equity line got up to {$84000.00} but did not call me to verify that I wanted it to go over!!! I need help PLEASE!!

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 04/24/2015 about Mortgage (FHA mortgage) with PNC Bank N.A. (SC).
Issue: Loan modification,collection,foreclosure

Complaint: I have applied to PNC to re-do my loan mod as it adjusted and I can not afford the payment. I originally faxed it and they said they did not get it, however, i had fax status. I then faxed and overnight mail, they still said they did not get and asked again. I have been sending things each time and they waut until after the due date and send me letter saying the did not get. they now sent me to foreclosure atty and I called them. they now say since its past the XXXX of XXXX i need to send tax returns for 2014. I called again and got a girl on phone and she was very rude and made me feel like trash for needing help. She compared my cell bill to hers saying mine should not be what it is because hers was not that much and I should be able to pay as I make good money and she told me how to manage my money and so on. My mtg pmt takes up XXXX whole check and I only get XXXX per month. Sometimes it takes more than XXXX check. They keep giving me the run around meanwhile I am getting ready to get foreclosure papers served on me and I ma doing everything they tell me to do. Each time I call i get a different person telling me different things and I really need help. I am in hopes that you guys will be able to help me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Debt collection (I do not know) with McKenzie Paul & Associates (WA).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: Someone by the name of XXXX from " McKenzie Paul and Associates '' called and woke me up at XXXX PDT looking for my ( adult ) daughter. I live in XXXX ( XXXX ) Washington ( I 've worked for XXXX since 2012 ) ; they are in XXXX Texas. <P/>They did not identify themselves as debt collectors and refused to identify the purpose of the call - only that they were trying to contact someone with by daughter 's first name. They implied, though I 'm not sure they stated that they were a law firm. <P/>They gave a return phone number of XXXX, which appears to be their main number. Caller ID gave XXXX. <P/>I warned him that he woke me and I was on the west coast. After XXXX his company, I 'm more than a little upset that he woke me over a matter than does n't involve me. He 's kind of screwed up my morning schedule. <P/>Besides, calling before XXXX is a violation of the Fair Debt Collection Practices Act and the fact that he did not identify himself as a debt collector prevented me from giving him a proper warning. I 'd appreciate it if the CFPB did that for me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation