milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2017 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I gave permission to XXXX XXXX XXXX to run my credit for a car loan, I did not and was not told my credit would be ran XXXX times on XXXX XXXX and XXXX times on XXXX. I was under the impression they run your credit XXXX time and use that report with potential lenders. I was not made aware my credit would be ran and hit my credit report that many times!

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The first one is with an alarm company that my husband included in his bankruptcy. So now the put it on my credit as a delinquent account. The other one is with a mortgage company, I paid the account in full XX/XX/XXXX and is till open in my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent them the document in this complaint and I got the letter from them dated XXXX XXXX. I then called them om XXXX/XXXX/2017 and they told me my document that clearly states that I paid it in full, was not good enough. I called the XXXX and told them what had happened and they were baffled that it was still on my credit report. They told me to write a complaint to you.

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 06/29/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 'm making a complaint against Experian for their negligence in not removing the inaccurate reporting of these public records. I provided the proof that these are not reporting correctly and/or that they were fraudulently filed. 

Public Records XXXX- you have the filing date on this bankruptcy listed incorrectly and I notified you of this 6 times now and you have not done anything and are now in violation of the FCRA . In addition to this, I did not give authorization for any party to report this on my credit file in the first place, which is a violation of FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) - see below - and therefore ; it must be removed. 

XXXX -this bankruptcy is NOT MINE! I did not file this bankruptcy or give authorization for this to be filed on my behalf. I also am providing the proof that the accounts listed on this bankruptcy were never on my credit file in the first place! I am including the proof that shows that these signatures are not mine and the accounts listed were never on my credit report and do not belong to me. Remove this immediately. 

XXXX - this bankruptcy is NOT MINE! I did not file this bankruptcy or give authorization for this to be filed on my behalf. I also am providing the proof that the accounts listed on this bankruptcy were never on my credit file in the first place! I am including the proof that shows that these signatures are not mine and the accounts listed were never on my credit report and do not belong to me. Remove this immediately. 

FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) : ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ;

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 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: For the last eight months I 've been trying to have false remarks from two XXXX XXXX XXXX credit card accounts removed from my credit report ; both accounts state that I participated in a financial counseling program, and this is false information. Equifax, XXXX, and XXXX list this information on my credit report. I only found out when I tried to re-apply for a XXXX  XXXX XXXX credit card at the beginning of the year, and my application was denied. I 've contacted XXXX XXXX XXXX, and the three reporting agencies, to correct this report numerous times, and have not been successful so far. I 've been in talked with several XXXX XXXXXXXX XXXX offices and channels, have submitted written and online disputes, and have been repeatedly transferred between departments. After speaking to several people with XXXX XXXXXXXX XXXX and the credit reporting agencies on XXXX XXXXXXXX XXXX confirmed on XXXX XXXX, XXXX that I did n't participate in a credit counseling program, that the information was false, and sent me documentation stating that they had informed the credit reporting agencies to update my report, and due to the error on their part were working to expedite the process of having the information removed. However, over the last two months the same false information kept populating on the report ; I subsequently continued to dispute each investigation. On XXXX XXXX, XXXX a XXXX XXXX XXXX representative told me that the remarks were n't on my accounts on XXXX XXXX XXXX 's end. However, when I tried to re-apply for a credit card with the bank I was automatically denied because the credit counseling program information was still on my credit report. This information needs to be removed, by XXXX XXXX XXXX and the credit reporting agencies as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have filed multiple inquiry letter with all  XXXX  credit bureaus regarding false information on my credit reports. I do not recognize various inquirires on my report and no one will do anything about it. I have been having a terrible time getting through to the bureaus regarding this issues, as well as them returning letters about not deleting information off my report way before the 30 days is up. I am extremely upset about this that no one will help me!

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: APR or interest rate

Complaint: I have a Capital One Credit Card with a promotional period of zero percent. Nowhere on my statement does it remind me of the pending expiration of that promotional period, neither does it state anywhere on my online account summary, and I had to initiate a chat session to find out when my promotional period expires. No explanation was given as to why this information is not readily available on demand.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint: TransUnion charged me {$5.00} to temporarily unfreeze my credit report. 
This occurred on XXXX XXXX, 2017 On the web site it is listed as a free service.

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 02/18/2016 about Consumer Loan (Personal line of credit) with QUICKEN LOANS, INC. (IL).
Issue: Shopping for a line of credit

Complaint: This Company uses many different names XXXX and XXXX quicken loans, Quicken loans has obtained or attempted to view all XXXX credit bureaus on more than 6 times unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been contacting Equifax since XXXX XXXX, 2016 to have a credit inquiry deleted. XXXX XXXX and myself have contacted Equifax numerous times to have the inquiry deleted. Equifax refuses to delete the inquiry despite having received all of the necessary paper work and electronic requests. It has been more than 30 days and I also have not received a response to Equifax regarding my first intial request for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Student loan (Non-federal student loan) with DISCOVER BANK (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: This is the second time this has happened. My 3.120 % fixed interest rate was raised in error. Without looking at the promissory note, the agent insisted that it was variable. I had an extra {$3.00} showing as past due. This easily could have affected my credit if I did not catch it.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a judgment on my credit report which does not reflect as being satisfied. To date, XXXX and XXXX have completely removed the judgement from my file. However, Equifax has not removed this from my credit file although the judgment has been satisfied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: The collector did not identify himself by name, only that he worked for Portfolio Recovery Services and that he was with the " Litigation '' Department. He stated the call was recorded and that an attorney had reviewed the account. I then asked to speak to the attorney who reviewed the account and he immediately contradicted himself and said, " I said an attorney had NOT reviewed the account. '' We argued about what he said and suggested he review the FDCPA and he informed me he had performed that job for 25 years. I do n't appreciate being lied to, especially since this was under the guise trying to intimidate me the use of the statements " Litigation Department '' and having an attorney review the account. He knew what he was saying, and had I not questioned him about his tactics and statements he would have continued on. He was quite rude after that point and I stated since he was in the litigation department I wanted to have one of their attorneys review the account to which he replied, " So you 're saying you 're not going to make payment arrangements? '' I said, '' Do not put words in my mouth. '' I want your attorney to review the account, and he repeated his statement about making a payment again. I then ended the phone call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2016 about Debt collection (I do not know) with Harris & Harris, Ltd. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Calls from " Harris and Harris '' a debt collector. XXXX I called this number XXXX/XXXX/2016 to tell them I owe no one, they hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IL).
Issue: Money was not available when promised

Complaint: *****I opened a support ticket with Coinbase.com on XXXX XXXX with the following message:"On XXXX XXXX, I made three purchases for 22 litecoins, using the coinbase mobile app. For each purchase, I was prompted with a successful purchase complete prompt.Subsequently, I received 3 emails, one for a successful purchase and 2 stating that my purchase could not be made.My last purchase that went through and is still in a "pending" state, not "cancelled" state, has not been processed, and the transaction has exceeded the expected clearing time of XXXX XXXX.With that in mind, this is putting me in a very bad hedge position, as I can't sell those coins as I wanted to.I'm not sure what kind of hoopla is going on over there, but if those coins don't clear in the next day or so, then I'm going to reach out directly to your regulator, the CFTC and let them know that you're not abiding to contractual agreements, which your data repository will evidence and prove.If you take this seriously, then please call me immediately at (XXXX)XXXX-XXXXAll the best,XXXX"*****To which I received the following response back from Coinbase on XXXX XXXX:"Hello XXXX,I really do apologize about the delayed response. We are swamped. Pertaining to the pending transaction I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update.Thank you for your patience."*****I have not received a reply back, after 3 weeks. If you ask me this is a lawsuit. Please escalate this issue, as this company is involved in illegal practices by way of not fulfilling orders and not allowing users to verify identification, which causes them to pay exorbitant amounts of fees.Please shut this company down. I wish I would have known that this is how they treat customers and scam them.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from Transunion, XXXX, and XXXX  with no success. They have refused to update information. Accounts to be removed : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # : Unknown XXXX XXXX XXXX XXXX XXXX Unknown , Tax Lien XXXX : XXXX XXXX I have never lived at XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL. Never worked at 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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information which has led to a breach that puts myself and millions of others at potential risk. Additionally, I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. Once it was decided to notify the public, I received no email, letter, or phone call and instead had to discover it via social media. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. Please take prompt and decisive action to ensure I am compensated for their negligence, I can be 100 % - without question - guaranteed my identity and personal information is not at risk, and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MA).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: This complaint is for XXXX, I was at one of the stores and wanted to use my credit card there to buy something. I was told my credit card was out of date and wouldnt work and that I needed to get a new updated card. I asked several times to clarify that this meant I simply was going to receive a physical new card and not a new account because I already had an account with XXXX and obviously there would be no reason to open another one. I was lied too and deceived and had a credit card opened in my name which I did not want.

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 08/23/2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Recently checked my credit report and noticed that Santander is reporting I have balance owed to them, they have never sent information regarding the sale of the vehicle, they have never called or mailed any correspondence requesting payment. In addition to the negative item they have attached to the credit file, they have also sent it to collections in which I have n't received any correspondence from either. Car repossession laws in Illinois require your lender to provide you with a redemption notice within 21 days after your car is repossessed. If the lender fails to provide the notices or provides legally insufficient notice, the repossession may be invalid. Because Santander failed to notify me within the time frame by mail or phone they have breached the contract. In addition they have added a {$16.00} payment X/XX/2016 which is completely false. I have not made any payments to Santander or any other collection agencies with regard to this account. The fact that Santander had added incorrect information on my report and has not contacted me speaks to their business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for assistance with my lender on XXXX/XXXX/2015. I hired an attorney to help me submit my paperwork to my lender Bank of America. I confirmed Bank of America had my full and complete application and all financials ( See letter attached dated XXXX/XXXX/2015 ). Bank of America then recorded a Notice of Sale against me on XXXX/XXXX/2015. I am told per RESPA-Mortgage Servicing Regulation X XXXX, my lender is not supposed to move forward with foreclosure if I have an application submitted 37+ days prior to a any sale date. My application qualifies within that time period and I feel my servicer illegally recorded a notice of sale against me and is therefore is now " Dual Tracking '' my foreclosure process. I am currently under review for a loan modification. The most recent letter ( Attached ) states I have until XXXX/XXXX/15 to provide additional documentation. Although I have already submitted this paperwork on XXXX/XXXX/15, how am I going to comply if I now have a sale date hanging over my head for XXXX/XXXX/2015??? I feel I qualify for assistance. My attorney says I qualify for assistance. Bank of America 's actions seem to violate RESPA Reg X ( XXXX ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (NC).
Issue: Shopping for a loan or lease

Complaint: CHASE AUTO MADE A HARD INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Student loan (Private student loan) with Social Finance, Inc. (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My oldest daughter just refinanced roughly {$60000.00} student loan debt with SoFi. My daughter provided all documentation SoFi asked for ( most recent statements of loans to be refinanced, etc ) and I co-signed the loan. SoFi apparently did not ask my daughter for payoff statements of loans to be refinanced, and apparently did n't acquire authorization from my daughter to request payoff statements themselves. SoFi calculated the " payoff '' amounts themselves. As a result, one of her loans was underfunded by nearly {$3000.00} and now we are left holding the bag, scrambling to come up with the money or secure additional financing. I spoke with several levels of agents at SoFi who acknowledged they under-fund loan payoffs regularly, arrogantly asserted that my daughter should have known to request a payoff, and reported they are happy to add the additional money due to her new loan with SoFi. <P/>Are n't there laws requiring a student loan lender, as the knowledgeable party, to request payoff quotes from companies they are paying off ( whether requested from borrower, or authorization is obtained to acquire payoff quote themselves )? If not, I hope you will lobby for regulations to be put in place requiring lenders to  obtain accurate payoffs when refinancing debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Checking or savings account (Checking account) with TCF NATIONAL BANK (IL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: My account went overdrawn and I have never had a refund on this account before, I called tcf and asked for a credit of the nsf fees and was given two credits for {$15.00}. I feel tcf intentionally charges customer overdrafts and never wants to reverse any. I have called 4 times and just do n't have the time to continue to call. I just got back to work from being off medical and do n't intend to overdraft again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief