milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-08-2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed this account and it 's entirety on XXXX different occasions. Once in XX/XX/XXXX and once again in XX/XX/XXXX. I have XXXX different confirmation numbers including the one I listed above and XXXX and both times Equifax confirms that XXXX is reporting the information accurately. The first dispute Equifax replied with a 30 day late payment XX/XX/XXXX, a 60 day late payment XXXX XXXX, a 90 day late payment in XX/XX/XXXX, then 120 day late payment XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the the account charges off " L '' for the months XX/XX/XXXX-XX/XX/XXXX. There is NO PAYMENT HISTORY in between XX/XX/XXXX-XX/XX/XXXX. Then Suddenly XX/XX/XXXX after the charge off status has reported for over a hear, it suddenly begins reporting payment history again of 180 days late XX/XX/XXXX - XX/XX/XXXX.then immediately report the account as a charge off again. ON the second dispute Equifax then verified they were reporting the information correctly, but the added a 180 day late payment in XXXX XXXX as well then began reporting the account again as a charge off. It 's my understanding that once the account has been charged off, unless payments have been made then the account remains as a charge off and ca n't pick up late payments randomly a year after the account has charged off. I also requested payment history from XXXX via certified receipt and at the same time I sent a dispute to Equifax and I never heard anything back from XXXX. This is all illegal and Equifax is allowing information to report verified or not that is common sense that it should n't be reporting. I think it ' ludacrus that I have now spent over 3 months of my life trying to get information corrected and it 's impossible no matter what I try.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Money transfer, virtual currency, or money service (International money transfer) with BANK OF THE WEST (UT).
Issue: Money was not available when promised

Complaint: I had a wire transfer done to a bank in XXXX ... It has been 21 days and the money has not made it into the account.. My bank just gives me excuse after excuse ...

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 reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a bankruptcy listed on my report that was previously dismissed due to mismanagement by XXXX. The case was not well handled.

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 06-01-2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (TX).
Issue: Loan servicing, payments, escrow account

Complaint: After my home was destroyed, I sent a large check to U S Bank Home Mortgage to pay off my mortgage, and asked them to return the remainder to me asap. After paying off the mortgage and after the check had cleared the bank, U S Bank Home Mortgage still insisted on holding the remainder of my money for three more weeks. There was never an escrow account with them, and I can see no reason for them not to return the money to me in a timely manner. The only answer I can get from them is ... .that is their " policy ''. The destroyed home needs to be bulldozed and rebuilt. That is three more weeks for a dangerous structure to stand and attract mice etc. The neighbors need to be considered too. If there was a reason other than " policy '', perhaps I could understand, but there does n't seem to be. There has never been a late payment or any problem caused by me for U S Bank Home Mortgage.

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 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Equifax is reporting incorrect information for my XXXX is different than all other credit reporting agencys they are also not reporting the cards that I am authorized to use please report!

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My XXXX XXXX Credit card was stolen. I contacted XXXX XXXX and they sent me a replacement card two weeks later. So, the account was not eliminated or removed, it was simply replaced by another Credit Card.

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 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALCHRO INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Today I got letter from XXXX about a dispute account : XXXX XXXX XXXX XXXX for XXXX that account show on my report they sent me today ( XX/XX/2018. The letter said we have reviewed your concerns and our conclusions are : The disputed account XXXX XXXX XXXX XXXX XXXX is currently not reporting on the XXXX credit file. 

How is that????

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I checked my  XXXX  credit report through  XXXX  I found a "  CBNA  '' hard credit pull on  XXXX   XXXX ,  2017  that I did not instigate ( I did n't apply for new credit or do anything wit h Citibank ). I contacted Citibank by p hone on  XXXX   XXXX ,  2017 , and they refused to provide any information.

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 08/14/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (WV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX first contact with DIVERSIFIED CONSULTANTS INC. was informed i owed {$550.00}. XXXX XXXX check credit report a collections was added for {$550.00} predated XXXX XXXX, was not on any previous credit reports. I feel my due process was violated by not sending me a debt validation letter for me to determine if it is a legitimate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (I do not know) with United Collection Service, Inc (FL) (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I further remind you that you may be liable for your willful noncompliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. PLEASE ALSO ATTACH COPIES OF : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XX/XX/XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I previously contacted Santander, XXXX XXXX XXXX XXXX XXXX disputing the error on my credit file that was posted without my consent. I strongly believe that the companies associated with this account have committed a major crime and should be rep-remanded for it and I am not happy about it. I have been tremendously affected by the credit breach each of the companies listed above is in dealing with placing errors on my credit report without my consent and no one of these companies contacted me. Please show me any phone calls you have tried to contact me before and after the credit breach. Ive stated facts in my previous dispute letter only to receive a response that my dispute to remove this fradulent error was declined. I dont appreciate unprofessionalism on any levels. I am unaware of the accounts listed below and have never open any accounts to deal with such a company called Santander XXXX XXXX XXXX XXXX. I am unaware of the accounts and I demand that it is removed immediately. If this error isnt removed by XXXX/XXXX/XXXX, I will be taken legal actions on this account and any companies involved. I have contacted my lawyer and looking to move forward on this case. I have sent you a previous good will letter for a response but you decline my dispute and now I am forced to take legal actions. 

Santander XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problems caused by my funds being low

Complaint: I had {$10.00} in my savings and {$38.00} in my checjing yesterday XXXX/XXXX/15 my purchases were processed and that left me with a XXXX however I deposited {$20.00} to have {$8.00} left im my account what Bank of America did they took out my XXXX from my savings and charged me a {$10.00} fee for transferring my own funds leaving me - {$16.00} and {$0.00} on my savings then a payment posted the same day for {$9.00} which the seller cancelled as well I have an email to prove it ... And the bank charged a {$35.00} return fee for the {$9.00} check leaving more negative, and this morning the barely sent me an email letting me Know that they took the liberty to withdraw {$35.00} instead of sending me the email alert before hand on XXXX/XXXX/15 yesterday I was the XXXX noticed this and deposited {$20.00} so they wouldnt process anything since all the transactions were made the same day in XXXX XXXX, 2015. I called to complain why and the only returned the ten dollars and it took them XXXXminutes to " try an figure out why those charges were posted '' and said they could n't return my {$35.00} leaving me with XXXX and {$0.00} in my savings as a XXXX I work hard for that money I work 7 days a week XXXX jobs and I trusted my bank to let me know before hand about any warnings in my account instead they made me negative and bounced a check to a seller who cancelled the transaction I tried to tall to a manager in service center on the phone he hung up on me instead of resolving this I am really upset I thought thats why they have employees working to help us understand and fix their mistakes, I know {$35.00} is not much for the corporation bank etc.. But to me is XXXX of work I have to put in to earn that money ... I would n't complain here if I knew I was " wrong '' acvording to them and leaving me XXXXMinutes in hold and XXXX to try and figure it out and an hour of my time si they can just hang up on me without the money that bwlongs to me that I earn and worked for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Deposits and withdrawals

Complaint: I have an online savings account at CapitalOne360.com XXXX originated from INGDirect which was bought out by COBank ). I make monthly deposits into the account and regularly make withdrawals into my XXXX bank account ( linked to the savings account ). On XXXX I scheduled a withdrawal from CO360 to the XXXX account to drop into XXXX on XXXX. This morning, I logged into XXXX and it was n't there. I then logged into CO360 and it was n't there either ( see attachment ). I called XXXX and they said it was n't in the XXXX for today at all. They had no evidence that it was anywhere. I then called CO360 and said where 's my money? because it had been taken out of my CO360 account altogether. They claimed it would take 2 business days to get to XXXX. I said I get that when I make an unscheduled withdrawal but that is not right for a scheduled withdrawal. And never since I 've owned the account, whether making a scheduled or unscheduled withdrawal, has the withdrawal shown as gone from my CO360 account and not deposited on the same day to my XXXX account. So, in order to get the deposit to XXXX as scheduled, I was required to wire the money at my own cost of {$30.00} or wait until Tuesday to get the money to XXXX. So, I was no longer the " owner '' of the funds in either location. My {$2000.00} was in someone else 's possession altogether, being used by someone else to get the " float '' and I was no longer getting anything, interest or use. In fact, for all I know, it was in the pocket of some hacker in XXXX. This ca n't possibly be legal. I get that they can, as an account term, take 2 business days. But never for those 2 business days has the money not still been shown as being owned by me in my 360 account. This was the first time ever they pulled this stunt. I will be demanding the refund of the {$30.00} shakedown and closing the account now, but I hope you will investigate this.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Debt collection (Medical) with GOLD KEY CREDIT, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Gold Key Credit submitted a debt that belongs to a person with similar name as mine, but shows a different address. It reported my address as being the debtor even though Gold Key Credit shows a different address on the debt. It was placed on my credit file report.

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 04/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: Capital One Visa/Mastercard administration de nied and Declined my application because of my  XXXX    XXXX   and  XXXX  and Military Veteran status.   Also, because I have a Bankruptcy chapter  XXXX  on my credit report since  XXXX    XXXX   in which  XXXX , Texas  Federal Judge Discharged  on  XXXX    XXXX  .   I am a homeowner in  XXXX , Texas and have a  XXXX   XXXX  income of {$ XXXX } @ month with a  2  percent raise every year on  XXXX   XXXX .   I provide evidence to Capital One on financial status and I still was declined and Denied because of my  National Origin  as a   XXXX   XXXX    XXXX  and military Veteran.   This is a Discrimination and Retaliation against  XXXX  Military Veterans and a Federal Violations against my  ADA Disability Act  Civil Rights.   Notice : l will send decline response fro m Capital One cred it card administration by email ... Urgent Matters.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: In 2015 we completed a value dispute with an appraisal that at that time came in at {$330000.00} with the property in its condition at that time. In XXXX of 2015 we were approved for a price of {$340000.00} and were prepared to go to closing when the title company discovered an erroneously recorded DOT by XXXX that had been cancelled during the 3 day cancellation period, but recorded by someone in that organization before they went out of business. For months we tried to obtain a release for that DOT to no avail as none of the lenders who took over XXXX loans could find this loan as it never existed. The XXXX went through the time and expense of filing a quiet title action to remove the erroneously recorded Deed of Trust so that they could get back to where they were and complete the short sale that had been approved. Ditech themselves had a title issue and could not pursue foreclosure with the XXXX DOT on title as that loan was in first position and would have needed to be released for Ditech to sell the property to a third party owner either at auction or as an REO property. 

The XXXX spent over {$6000.00} clearing Title so that they could sell this property as a short sale all to avoid a foreclosure. The bank coming back with unrealistic values that are not supported by current sales for similar properties and not giving us the information that they relied on to reach their value does not allow for a full evaluation under loss mitigation requirements. We have documented that the appraised value is {$340000.00}. We have an able and willing buyer who can close in 30 days with an approval and we have cleared title to be able to complete this transaction. There needs to be some fiduciary duty on the servicer or investor for this loan to avoid additional losses and expenses that will be incurred by a foreclosure. Statistics show that in Maryland XXXX properties sell for 37 % less than non-distressed properties. Our current offer is more than 90 % of what the bank thinks this property is worth and is 100 % of what an independent appraiser determined this property is worth. 

This property has been marketed several times over the last year and the current offer represents what the market is willing to pay for this house based on all the information that is available about homes within a XXXX mile radius in the same XXXX, in the same school district, same tax structure, etc. You can not go outside of this community to take comps for homes that are districted for other schools or have less congested roadways nearby, etc. 

We have submitted another appeal and we will continue to push this with Ditech

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There are XXXX liens that are inaccurately reporting on my credit report for Transunion. In fact, they are not even reporting on any other credit bureaus, not XXXX nor XXXX. What Transunion is doing is blatantly discriminating against me. They have been doing this to me for over a year. They have violated my constitutional, federal, civil rights, and the state constitution. They are also violating the FTC and FCRA rules and regulations. They are in violation of everything I can think of. They clearly stated that they verify with a third party which I do not know of. It certainly is not the courts or the source of any records, where I have so called lien records. 

WHO DID YOU VERIFY THIS INFORMATION WITH? WAS IT THE SOURCE? 
I DID RECEIVE THE XXXX VS XXXX PERSONALLY IN THE MAIL SHOWING THAT YOU CREDIT BUREAUS HAVE BEEN IN VIOLATION OF VERIFYING PUBLIC RECORDS ANYWAY WITH THIRD PARTIES. AND YOU ARE THE ONLY BUREAU STILL DOING THIS. YOU MUST BE STOPPED!!! 

Who Told them it is ok to report it? There is no law requiring any public records to be posted to a credit bureau. And there is Section 603 in the FCRA which states that in order to post anything to a credit bureau, you need the consent of the consumer. They are private, for profit ( massive profit!!! ) companies and they can not put just anything on there that they feel that they have a right to do. Plus XXXX does not have any firsthand knowledge of the actions they report. How do we know they are accurate? Unless Transunion is going straight to the courts, anything being reported is hearsay. YOU need to prove it with a certified document and not just on YOUR word which is worth squat. 

I trust that it 'll be resolved the second time around. I have filed a complaint with the Consumer Financial Protection Bureau and am in the process of filing with the Federal Trade Commission, and later I am going to SUE if this is not resolved!! 
I WILL ALSO FILE A SECTION 42 USCA 1983 ON YOU!! 

I have included the letters from the courts that I have received from them, which is actually the source showing that I do not have any current or prior tax liens with them. So, I have concluded that that is a fraudulent claim that you have against me and it is intentional. Call the source at their numbers on the letters and hear it from them. Or write them. I want these liens removed in 4 business 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