milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MARINER FINANCE, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Mariners Finance is  reporting  XXXX  negative account to the credit bureau for  XXXX  loan and the balance being reported is not accurate. Account #  XXXX  Account #  XXXX  Account #  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 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX, there was an inquiry from XXXX on my credit report. 

Following the inquiry, in XX/XX/XXXX, my credit report shows a XXXX account opened. 

I've never applied for or requested any type of line of credit with this bank/retailer. 

I contacted XXXX, on XX/XX/XXXX to request that the account be closed and they advised that if I didn't request the account, a fraud investigation would need to be initiated first before the account would be closed. 

The following week, I followed up with them and they advised that no fraud activity was detected. I believe this investigation was based on usage. No one used the account. But that wasn't the request or concern. The concern was that there was an account established in my name and social that I NEVER requested. And the account should have been closed 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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with EQUIFAX, INC. (WA).
Issue: Confusing or misleading advertising or marketing

Complaint: On XXXX XXXX, 2017, Equifax discovered that criminals exploited a U.S. website application vulnerability to gain access to certain files that may have compromised as many as 140 million people. Equifax states that it is " offering free identity theft protection and credit file monitoring to all U.S. consumers, even if you are not impacted by this incident. '' In an attempt to understand what this free identity theft protection service would provide I attempted to review the web site indicated on the Equifax https : //www.equifaxsecurity2017.com/trustedid-premier/. Within this web site is information that states " Identity theft insurance underwritten by American Bankers Insurance Company of Florida or its affiliates. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions, and exclusions of the policies described. Please refer to the actual policies for terms, conditions and exclusions of coverage. Coverage may not be available in all jurisdictions. '' The web site does not clearly state what happens after the free year is over.
The site suggests calling a special call center for more information. My call to this call center on X/X/17 at XXXX PST ( XXXX ), revealed that the call representative could not provide the actual policies or terms for this service. I requested a supervisor but the representative refused to connect me to one and insisted that I refer to the web site for answers to my questions. Three times I repeated that the reason I was calling was because the web site did not contain the information and each time I was instructed to review the web site.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Account opening, closing, or management

Complaint: I did not receive the {$400.00} business account opening bonus at 5/3 bank, even though the terms were met. The terms of the bonus promotion were to deposit at least {$5000.00} and maintain an average balance of {$5000.00} for 60 days, while performing 5 debit card transactions - which was successfully accomplished. 

To provide some background : The account was opened via phone and the promotion information was relayed to me by the baker on account opening, who suggested I deposit {$5000.00} to ensure the {$5000.00} average is met. Once the welcome packet ( containing my account information ) was received - the {$5000.00} was deposited at my local branch. In the 60 days since deposit - the XXXX average balance was maintained, in addition to performing 5 debit transactions. The proof is readily available by looking at the account statements.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: *EXPEDITE* I have contacted the Ombudsman group numerous times regarding a loan that is listed on FedLoan 's website as having been borrowed and disbursed in 2012. I did not attend college in 2012, I did not apply for FASFA in 2012. There is no possible way that I could have a loan disbursed in 2012. I contacted the CFPB about this before and was refereed to the ombudsman group. FedLoan servicing said that all there info is correct but it is not. The ombudsman group website has been absorbed into the federal aid website and there is no way to check on an ombudsman group complaint now. Basically I 'm waiting to be sued by the federal government at this point so that a judge can help me. FedLoan servicing is literally ruining my life. I ca n't EVER get married or have children at this point unless someone solves this issue. FIX THIS NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My credit reports from ( XXXX, XXXX and XXXX ) are reporting incorrect information from Barclays. they have a hard inquiry listed on my credit report that was requested onXX/XX/XXXX. however, this was not authorize by me for them to run my credit. <P/>I contacted Barclays Bank onXX/XX/XXXX, I stated that I never applied to a credit card with them or do n't have a credit card with them. never had any contact with them. they told me that they never reported any information to the credit companies because they do n't have any information to report. <P/><P/>BARCLAYS BANK DELAWARE XX/XX/XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual

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 02/15/2018 about Debt collection (I do not know) with Commercial Recovery Systems (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: CALLER IDENTIFIED HERSELF AS XXXX XXXX WITH PROCESS SERVER. SAID I WOULD RECEIVE A SUMMONS IN A FEW DAYS. I DO NOT KNOW THESE PEOPLE NOR DO I OWE THEM ANY MONEY. THEY ALSO CONTACTED MY MOTHER IN LAW WITH THE SAME MESSAGE. BOTH WERE LEFT AS VOICEMAILS. CALL CAME UP AS " UNKNOWN CALLER '' BUT IT GAVE A CALLBACK NUMBER IN THE MESSAGE OF XXXX

Company response to consumer: Untimely response
Consumer complaint received 11/25/2015 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Using a debit or ATM card

Complaint: locked my debit account for no reasonno /rude customer service

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I settled a Discover account for less then the full balance and was sent a XXXX. This company should no longer be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Credit card protection / Debt protection

Complaint: I have bogus charges from XXXX. These charges are illegal. They are not even allowed to do business in the United States or with any U.S. citizen. They 've asked me for a fraud statement and I sent it in TWICE! They claimed they never received it and recharged my account {$11000.00} in bogus charges. I 've given them all the info they requested. I am not paying for these charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2015 about Mortgage (Other mortgage) with ONEMAIN FINANCIAL HOLDINGS, LLC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Despite my informing my XXXX mortgage holder with regards to my reduced income and the inability to pay on or prior to XXXX of the month, I am receiving repeat phones calls daily from Springleaf Financing. I always pay on or before the XXXX of each month. My payment is due on XXXX and by XXXX without a late fee! 
It is now XXXX XXXX Eastern Standard Time on Saturday, XXXX XXXX and already received 4 calls from them. I no longer answer them and they are calling on my cell phone as well! I have asked they never use that number, but they chose to ignore. The interest rate is also very high! 
Please help in getting this matter resolved!! 
Thanks in advance, for any assistance that you may be able to provide. 
Sincerely, XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The account from XXXX XXXX XXXX was removed from my report. I just looked at it, and it 's back on there!!!!! I WANT IT OFF LIKE IT WAS AND TO STAY OFF!!!!!! I am NOT paying for a Credit Card that was n't mine!!!!! I 'm an ID Theft Victim!!!!! The account in question was under my maiden name!

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 02/16/2018 about Debt collection (I do not know) with Eagle Recovery Associates, Inc. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XX/XX/2018 XXXX Eagle Recovery called and left a voice mail but the number calling came up on my caller ID as Wireless Caller with a local number XXXX their spoofing their real number in a hoax to get you to pick up the phone. This is the first time they used this tactic to call me.XXXX what's going to be next?

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with ASTORIA BANK (CT).
Issue: Loan modification,collection,foreclosure

Complaint: We have a buyer for a short sale at market value and XXXX banks, Astoria Bank and XXXX ready to give approval-as long as the other banks sends their written approval first! 
We are at a standstill for months, with the seller facing foreclosure-because both Astoria and XXXX are waiting for the other to send their short sale approval first!!! HeLP!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I demand to see Verifiable Proof (  an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. 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 me a copy of verifiable proof, you must re move the accounts listed below.      XXXX   XXXX  LOANS #  XXXX  : Unverified account  XXXX   XXXX   XXXX  #  XXXX  : Unverified account   XXXX   #  XXXX  : I have never paid late   XXXX   XXXX   XXXX   #  XXXX  : I have never paid late  XXXX /  XXXX   XXXX   XXXX  : I have never paid late Beside that, the below information is too old to have in my file, please delete it immediately :  XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX   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 explanation
Consumer complaint received 04/17/2017 about Credit card () with TD BANK US HOLDING COMPANY (HI).
Issue: Billing disputes

Complaint: I closed my Target bill and paid the balance on  XX/XX/17    for sum of {$320.00}. I asked that all documents be mailed to my mailing address on file.   Now they are reporting that I still owing money to the credit reporting agencies and it 's negatively impacting my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/17/2018 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XX/XX/XXXX suntrust was aware I was moving my auto loan to another bank due to issues with suntrust. XX/XX/XXXX the car was refinanced and they were paid off by check in full for the entire loan amount. 
On XX/XX/XXXX my checking account was offset for XXXX dollars for the loan after the loan was paid off in full. Then they told me that they wouldn't reverse it. The loan was paid off in full of XXXX But SunTrust still debited my checking knowing the loan was already closed and paid off on the XXXX th. I have screenshots showing it was paid and they knew it was because they sent the pay off to the new bank. This is scamming someone's checking account to make extra funds. I want my money and also extra back for the trouble.

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 monetary relief
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AFNI INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The debt from the Afni debt collector is not mine. I have called on 2 separate occasions to resolve this and make them aware and both times the issue was not resolved. The 1st time I called and told them this amounts of {$1200.00} and {$340.00} were not my debt and must be fraud they said " unless I have a police report there was nothing they could do ''. The second time I called they told me they would remove both amounts from my credit report. It has been over 30 days and both amounts are on my report still.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I 've submitted disputes with the  XXXX  national credit reporting agencies (   XXXX   XXXX   and TransUnion  )  concerning (  XXXX   XXXX   XXXX   XXXX   XXXX  and to no avail. Each time a dispute is submitted with the  XXXX  bureau  ( s ), I  'm notified by my own ( not the credit bureau (  s )  credit monitoring alerts, a general " Meet FCRA requirements '' note without details to the reasoning of their conclusion with the investigations.  XXXX  has made attempts to request that this item be deleted as well, please see the attached document dated  XXXX   XXXX ,  2017. T he credit bureaus are making it extremely difficult by refusing to delete and not giving me a valid reason as to why. This has hurt my credit report an d credit score trem endously by making appear more at risk to lenders.

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 07/29/2015 about Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (AL).
Issue: Problems when you are unable to pay

Complaint: Obtained loan from Prestige Finance Services Inc. When payment was coming due, they would begin calling me, texting me, and emailing me daily until payment was made. Had auto repossed. Daily calls, texts, and emails continued all throughout the day after I asked numerous times for them to STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I file a dispute with Equifax regarding some public record judgements that did not belong to me and they stated the information was verified by the courts and public record information. After speaking with the courts about the verification they stated that they do not verify information and that sometime the bureaus may send someone to verify but the only information they can verify is the name because they do not record addresses or personal information in most cases. 
I then spoke with XXXX XXXX at Equifax about how they verify information, he then stated they send it through the electronic system, my question to him was if its done electronic how can you verify it because personal information is not public record and that all the information such as name, address, date of birth and social security has to match up, he continue to say its public record, there was no real answer but they continue to use the same information that was previous disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Alorica Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt is for a monthly charge from XXXX XXXX for my husband for equipment. He agreed that payment would to be paid by monthly credit card deductions about {$17.00} per month. XXXX XXXX is trying to collect for year of XX/XX/XXXX. My husband is deceased with death in XX/XX/XXXX and all equipment was returned to them at that time. I no longer have access to credit card information to ascertain if XXXX XXXX actually charged credit card. Assumption was that monthly bill was being paid by automatic deduction. XXXX XXXX never billed us at the time nor since that time nor have they ever tried to contact my husband and went directly to collection. My husband 's assumption was that the monthly payment was automatically paid by credit card as XXXX XXXX had requested.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: the only thing I want to correct on my first dispute # XXXX. Is that I typed in the wrong year I first recieved my loan with XXXX in XXXX of XXXX. Not XXXX like I typed in.

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 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Debt collection (Other debt) with Rash Curtis and Associates (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Rash Curtis and Associates improperly reported a debt on my credit report to XXXX. I have never sent me an itemized bill for the debt they are claiming I owe XXXX XXXX, who is a former landlord of mine. In their correspondence they also never sent me information about what to do in order to dispute this debt. When I called on XXXX XXXX XXXX I requested an itemized bill and the contact information of the original debt holder, XXXX XXXX. They said they could not provide either. I insisted and they said it may take up to 2 months to get the itemized bill but that they most likely no longer have it. They said they were not authorized to give me XXXX XXXX ' contact information. Since there is not a record to verify the debt or amount and no way to contact the original debt holder it is improper that they reported this to a credit bureau. I wish to have the debt removed from my credit report immediately. <P/>XXXX indicates a negative account with XXXX XXXX XXXX It is listed as : Opened XXXX Last effective XXXX Reported XXXX High balance {$6600.00} Collection XXXX Balance {$9300.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (GA).
Issue: Account opening, closing, or management

Complaint: PayPal sent my negative account balance to collection despite me making regular payments towards it. At the end of last year, a chargeback sent my PayPal account negative. It was {$1300.00}, large compared to the transactions I generally process through Paypal. Throughout XX/XX/XXXX and XX/XX/XXXX, I made regular payments toward this balance- over {$700.00} worth in fact- and I have been continuing to make payments. I received a letter from a collection agency demanding about {$100.00} more than my account is currently negative! PayPal Account ID : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have student loans from XXXX XXXX XXXX and from states outside PA on my report. I have contacted these agencies and confirmed I do not have loans with them. I reported this to Equifax twice and they continue to say these loans belong to me and they do not.

Company response to consumer: Closed with explanation