milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XX/XX/2018 I sent a certified letter to Transunion asking to validate an account ( XXXX ) reporting negatively on my report. They responded with the account was verified but sent so validation paperwork. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that Transunion disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that is reporting in my credit report. Transunion has responded to my request by saying that these accounts have been verified. Transunion has not sent me copies of the documents that they have in their files that were used to validate these derogatory accounts. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties are damaging my reputation and credit worthiness. Transunion has ignored my request to provide me with the documents that their company have in their files that is used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I have sent certified letters asking Transunion reporting agency to VALIDATED these accounts with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL.

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 03/15/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am so frustrated with Midland Funding. They are attempting to collect debts I do not owe. In a prior dispute they responded that they have put my number on their do not call list. At that time they were saying I had XXXX debt now I 'm getting calls on XXXX different debts that are NOT mine. They have also added Collections on my credit report causing my score to drop by over XXXX points. Is it legal for them to destroy my credit without ANY proof or documentation that I owe it? The entire credit system is broken if this is possible. I ca n't even sleep nights worrying about this and want someone to stop these predatory tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AZ).
Issue: Managing the loan or lease

Complaint: What. I bought a Ford focus thru santander in XXXX XX/XX/XXXXthru my car dealer. Then the car was in accident XXXX XX/XX/XXXX and was totalled. The insurance PAID the car off in full. The car dealer returned my service contract money to them also. So they received over XXXX. They accepted the payoff. I have all copies of the insurance paperwork. Well now santander had turned it over to not XXXX but XXXX collection agencies. Nib management. And also Denville management. Ncb management is saying XXXX is owe and deville management says XXXX. That 's crazy it was paid off XXXX XXXX. Every thing is paid off but yet these companies. Santander and there XXXX collections agencies are down ng illegal practices. Please remove for all XXXX credit bureaus. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Consumer Loan (Vehicle loan) with PENTAGON FEDERAL CREDIT UNION (FL).
Issue: Taking out the loan or lease

Complaint: I was sold a car under false pretences on XXXX/XXXX/16, the day I took the vehicle off the lot I noticed it was not what had been promised. I took the vehicle to the manufacturer that informed me the car appeared to be in an accident and any repairs that would be covered under warranty became null and void. I called the dealer and told them I no longer felt comfortable with the vehicle and was going to return it. I called on XXXX/XXXX/16 to put a stop payment with the financial institution and was told it would take 2 days to process. I have called continually for the past several days as to the status of the stop payment for a car that was returned on XXXX/XXXX/16. Yesterday XXXX I was informed that the payment had been cashed.

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 04/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am requesting that XXXX banker removed XXXX and XXXX 2016 hard inquiry of my credit report to many hard inquiry less than 30 days

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 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: on XX/XX/XXXXI filed a dispute with Experian. The dispute was for an account that I believed to be a duplicate. it ended up being my mistake as it was not a duplicate. However, once the agency settled the dispute, Experian marked my report for this account as being a charge off for XX/XX/XXXX. This is incorrect as this account was charged off 4 years ago and bought by another lender. this " new '' charge off status caused my score to drop. I have since disputed it 2 more times with the most recent beingXX/XX/XXXX. Today I received a notice that the dispute was settled, no changes made to report and my score dropped another 5 points as a result of the dispute. They are saying they are only reporting what the Creditor is telling them, however, when contacted, the creditor shows the account was charged off and sold a long time ago. 
the creditor is XXXX XXXX XXXX XXXX We just need them to remove the Charge off status for XX/XX/XXXX as it is incorrect. We are currently trying to buy a home and working very hard to clean up the credit report and this is only making things worse. I believe that because I filed a dispute on this account it " reopened '' the account. 
Thank you for your time. 
XXXX XXXX XXXX DOB:XX/XX/XXXX ss:XXXX  Contact # 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 09-08-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I had an Auto Loan with XXXX XXXX that is paid off but showing a balance. I spoke with my Personal financial Consultant on this matter XXXX XXXX XXXX ask me to get a letter from XXXX XXXX showing the balance is " XXXX ''. I like to address the issue with you concerning Equifax reporting tactics on my credit report. This is not a frivolous dispute and the word dispute needs to be removed off my credit report because this is a legitimate case and I will be providing the letter from XXXX XXXX. So, that Equifax can change the balance owed to XXXX and take the word dispute off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Mortgage (Home equity loan or line of credit) with Summit AmeriFirst Holdings, Inc. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: We got a home improvement loan for {$12000.00} from Amerifirst XXXX. We have paid, to date {$13000.00} on this loan. We have filed bankruptcy, and Amerifirst forced me to sign a " Reaffirmation " of the original loan claiming we still owe {$9500.00}. This loan STARTED in arrears, and the reaffirmation places us even further in arrears. They have repeatedly used the threat of foreclosure on our home as a club to end all discussion or negotiation between parties. There were things not disclosed about this loan, such as the lien against our home and the total payoff of twice the amount of the original loan. All the original documentation was done in our home by the XXXX salesman, and XXXX has since gone out of business and reappeared XXXX. We feel like we were defrauded from the start, and have been financially abused since. These companies are in collusion to use predatory loans to assault consumers. Amerifirst has XXXX complaints with the XXXX Report, and they need to be held accountable for their ethically vile practices and pressures.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (PA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened a Citi Priority package with a {$500.00} promotional credit on XX/XX/2017. The promotion offer is a {$500.00} bonus as long as we satisfy some terms and conditions. However, Citibank refused to honor this offer even if I can prove that we have fulfilled all conditions. 

The terms of the promotional offer is : 1 ) Within thirty ( 30 ) days, 1 qualifying Direct Deposit must post to the new checking Account each month for 2 consecutive calendar months after opening the new checking account. 2 ) Maintain {$50000.00} in saving account more than 60 days.

According to my correspondence with Citibank customer service, the offer is not honor even I have fulfilled the requirements for the following reasons : 1. My previous account was closed within less than 60 days of the opening date of the current one.

2. This account was not enrolled in this promotional offer as it was opened.

However, we have documents/correspondence to prove the above two reasons are false.

1. My previous account was closed on XX/XX/2017, which is NOT within 60 days of the opening of the new account. 
2. When I opened the account at the XXXX ( CA ) branch, the banker clearly went through all the details about the promotion with me and signed me up. Also, one of the customer service did located the promotion ( XXXX ) when this account was opened. 
I believe the inconsistent information provided by the Citibank customer service has shown that they are dishonest during the whole process. 
1. In XX/XX/XXXX, I contacted customer service and they told me that my account satisfied the conditions and the bonus is expected in the following month or XX/XX/XXXX. 
2. Later in XX/XX/XXXX, another customer service said that, although theyve located the promotion, my previous closing account was less than 60 days ( reason # 1 ). 
3. Then I contacted them again to prove that the reason # 1 is incorrect. Yet another customer service told me that this account didnt enroll this promotion offer at the first place ( reason # 2 ). 
4. Now, I believe that they block our access to contact via customer service regarding this issue. 
As our correspondence reveals, Citibank keeps providing contradictory informations and refuses to address this issue by coming up new excuses. I shall attach our correspondences with Citibank with this complaint.

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 10/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX has continued to persue me over a debt that has been resolved. I have told them over and over that I have settled the debt but they still keep sending my account to collections. I have the settlement letter and the credit bureaus comments on the account stating the account has been settled in full.

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

Complaint: This is about Equifax in regards to the data breach. They sold stocks before letting the public know about the data breach. They wanted to line their pockets before their stock took the plunge. 

And I checked with their website, and according to them my information might be at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Payday loan () with GVA Holdings, LLC (NJ).
Issue: Can't stop charges to bank account

Complaint: Took out a payday loan and the loan has been paid back since XXXX 2015 plus interest, Payday lender still debiting account. I would like the payday lender to cease and desist from debiting my account, and return any and all funds back to my bank account paid after XXXX XXXX 2015. I 've paid this lender back XXXX so far. This lender also did not follow NJ laws for payday lending and interest rates.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-08-2016 about Prepaid card (General purpose card) with INCOMM HOLDINGS INC. (MI).
Issue: Managing, opening, or closing account

Complaint: On XXXX I purchased XXXX Cards at my local XXXX pharmacy. My credit card was charged. When the cards were " activated '' there was some sort of error which led to XXXX the cards not being activated, while the third card was supposedly fully loaded with the {$470.00} I had paid. The store manager refunded my credit card for the other XXXX cards which were not activated. When I later went to use the " activated '' card I found there was no money on it. That same day I contacted XXXX and sent in via email and fax all the documentation. Now, after more than two weeks and half a dozen phone calls they inform me that ALL of the cards were supposedly activated and that I used them all at the same store immediately to make purchases! This is completely incorrect and I have all the receipts to verify what I am saying.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have both Federal and Private student loans with Navient, and I began school at Western Governor 's University ( XXXX ) on XXXX/XXXX/2015. At the time of beginning my classes my loans should have been deferred. This has not happened and now Navient has threatened to report my loans as delinquent to the credit bureaus and have been assessing my account fees. XXXX has updated my enrollment status on the XXXX XXXX House, and provided the information to them directly via fax on XXXX/XXXX/2015, however Navient refuses to acknowledge this. I also spoke with Navient customer service on XXXX/XXXX/15 to notify them of the change in status and to expect the fax. I was assured at that time that a payment was not required and my loans would be deferred. I contacted their customer service department again today ( XXXX/XXXX/15 ) to discuss the matter and was told to upload the enrollment status information to their website. I think this is unacceptable as both myself and XXXX have previously provided the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/19/2018 about Mortgage (Conventional home mortgage) with Social Finance, Inc. (WY).
Issue: Trouble during payment process

Complaint: XXXX XXXX has the most incompetent customer service I have ever experienced with a financial services institution. I have made in excess of 15 phone calls, sent 3 emails, and used their live chat twice over the course of two weeks trying to get a straightforward answer regarding the process to get an insurance claim check to which they are a co-payee endorsed and returned to me. I have yet to receive any useful response. I am ashamed to be a customer of theirs and will quickly be looking to refinance away from them. They clearly employ unqualified and untrained customer service people in this department that are incapable of performing basic servicing requests.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: BBVA Compass has failed to honor a Duly Executed and Notarized STATUTORY DURABLE GENERAL POWER OF ATTORNEY in the STATE OF TEXAS. Between XXXX XXXX & XXXX XXXX 2017, BBVA Compass has deflected, obscured, obfuscated, delayed, and been generally non-responsive when presented with the Duly Executed and Notarized STATUTORY DURABLE GENERAL POWER OF ATTORNEY in the STATE OF TEXAS. Whether through negligence or willful & malicious intent, BBVA Compass and their representatives, agents & /or assigns have failed their fiduciary responsibilities related to the account of XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
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: Experian : Many Cerified letters sent,XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX amounts spend {$6.00} {$3.00} {$3.00} {$330.00} {$3.00} {$3.00} {$3.00} {$330.00} {$330.00} Certified Receipts. Asked Experian to remove old address with no results! Address not deliverable to me by U.S. post office they are not reportable by FRCA. Inquiries ( hard ) did not provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry.Reports state Reason unspecified not acceptable. Auto inquires stated count has one in a 30 Day period Experian lists them separate. Mortgage inquiries in a 30 day period count as one inquiry listed has single accounts and Auto inquires. I have tried to do my best with Experian results are poor! I 'm a XXXX Vet and I should get help I need from Experian.

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 01-05-2016 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (CT).
Issue: Managing the loan or lease

Complaint: I leased a XXXX XXXX in XXXX XXXX for my daughter from Chrysler Capital. Recently she was relocated by her employer and no longer needs the car. I have found a third party ready and willing to make the lease payments and use the car for the remaining 26 months of the lease. My lease with Chrysler Capital is very clear that they will permit a sublease unless they believe in good faith that the sublease will jeopardize their rights or increase their risk. Under the Sublease, I would continue to be Chrysler Capital 's lessee and hence, Chrysler Capital 's risk is unchanged and their rights are unaffected. 

In several phone discussions with Chrysler Capital, I got nowhere. They finally said that any such solution was not available with no further explanation. I wrote to Chrysler Capital on XXXX XXXX formally requesting their consent, they did n't respond. I have written to them again today. 

So instead of having a third party cover my remaining {$7500.00} of payments, I have the XXXX XXXX sitting in my driveway where it will remain for the next two years unless Chrysler Capital provides the consent. I will continue to make the payments but this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX put that account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Experian several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Experian credit report and to stop this harassment.

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 reporting) with Experian Information Solutions Inc. (NC).
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 would like to start this letter off by, first of all, thanking your company for the great service that Ive experienced as a consumer. I have been a very dedicated customer and am now in need of your help.I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement. 

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 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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

Company response to consumer: Closed with explanation