milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2016 about Debt collection (Payday loan) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Company called from XXXX said they were with compass bank and that they are collecting on a loan that was depostited into my account in 2010. They had the last XXXX of my ssn. Rep said that if I did not pay by Friday they would come to my job and arrest me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of this debt. I made XXXX separate calls to XXXX different numbers. The first representative advised me the debt was for books that I ordered. When I asked where the books were delivered I was not provided an answer. The second call was even more frustrating and I was advised that it was clothing. I never opened an account in XXXX with Portfolio

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Prepaid card (Gift or merchant card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Fees

Complaint: American Express is applying a {$2.00} a month fee to maintain a gift card only 5 months after I received it. I believe that they ca n't charge a fee until 12 months after receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XX/XX/XXXX on or about XX/XX/XXXXon Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XX/XX/XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX Date XX/XX/XXXX Amount : XXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX AmountXXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NE).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX contacted me about an account I did not authorize. They advised me of a balance I was unfamiliar with and I demanded validation of the account because I was the victim of ID Theft in the past. The company not only did not provide necessary documentation to validate the account but they proceeded to report the account to the credit bureaus. I already have an ID Theft report on file and need this item removed immediately. In my ID theft report I specified there was no way for me to know all of the accounts that were opened in my name but outlined a period of time I knew for sure the thief was opening accounts. I do not use credit for hardly anything and now that I do need to use it for business purposes these fraudulent accounts are hindering my ability to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. ().
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: AN UNKNOWN 30 DAY LATE IS REPORTING ON MY CREDIT REPORT IN ERROR FOR THE MONTH OF XXXX  2017.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Hello, My name is XXXX XXXX and I have inaccurate information listed on my credit report. This inaccurate information is currently being reported to Equifax and XXXX. I reached out to both the company reporting the inaccurate information and the two credit agencies listed above several times ; and nothing has been done to remedy this false information. Ive requested this information be removed when I first found out about it XX/XX/XXXX, and again XX/XX/XXXX. FYI, I waited a year to do the second dispute because I was under the impression this was corrected and removed after my first dispute in XX/XX/XXXX. The company reporting the incorrect information to the credit bureau is XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, and their phone number is XXXX. Based on the information listed on my credit report this is a collection for {$160.00} from XXXX XXXX Hospital. I dont owe either one of these companys money, this collection states its from XX/XX/XXXX, so I dont remember specifics since it was so long ago, but I pay all of my bills and have excellent credit outside of this false information. Please advise me of my options to get this information removed. Im also concerned my personal medical information has been shared without my consent. <P/>Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Trouble during payment process

Complaint: According to 12 CFR 1024.41 f -- -- We allegedly missed one payment in 11 years- Nationstar can not locate the check. 
Nationstar has foreclosed our mortgage for alleged non-payment of escrow. 
We have an escrow waiver and the mortgage allows us to repay the lender in the event we miss any payment. 
We have always paid our own taxes and insurance. 
There is no escrow in our periodic payment. 
Nationstar has allegedly opened a forced escrow account saying they paid {$140.00}. for us ; We immediately reimbursed Nationstar the {$140.00} as per the terms of our mortgage contract. 
Nationstar has NEVER paid anything on our behalf. 
They will not abide by the terms of the mortgage and refuse to admit they are wrong under the law. 
The CPFB rules do not permit a servicer to foreclose under any circumstances unless there is a default of payment of money for more than 120 days Nationstar has hired counsel who refuses to do discovery so we do n't know the basis for the foreclosure. 
Nationstar has returned 18 periodic payment checks to us thereby causing a manufactured default. 
I want Nationstar to state the law which allows them to take these actions

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been trying to get fraudulent information originating from a collection agency that is trying to collect a debt from someone with a different name address and social security number removed from all of the reporting agencies. I mailed a dispute to Transunion and after XXXX days with no response I tried to use their web site to find out what is going on, unfortunately for me I am locked out of doing so due to my bad memory, several years ago I used Trans unions web site and set a password I can no longer remember with an email address I no longer use and a secret question I can not recall, They give a phone number to call but the barely audible person who answered insisted she can do nothing without the forgotten information. I have tried XXXX times to deal with the barely understandable phone support to fix this without result. I mailed my dispute XXXX days ago with absolutely no response from Transunion, I can not use their web site because there is no way for old people with bad memories to fix forgotten passwords. I have been economically harmed by the credit reporting agencies accepting information that even a child would recognize as not relating to me. A different name address phone number marital status and social security number with active accounts XXXX miles from where I live. How is it even possible for the collection agency to dump all of this completely different information into my report, I have lived at the same address for XXXX years, openly used only XXXX name, reported my income taxes using only XXXX social security number ( the one I was given XXXX years ago ). How can I suddenly live in XXXX and XXXX at the same time? Work in XXXX distant places at the same time? Buy groceries in XXXX and go out to dinner in XXXX at the very same time? That this is still not fixed shows the credit industry has no regard for the victims of their incompetence. I can not reset a forgotten password but a dishonest collection agency can give me a new name, a wife, possibly children, several new addresses, a new phone number, a new social security number and a complete credit history that takes place XXXX miles from where I live.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NE).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX a tree landed on my house. The ins. comp. made the check out to me and Wells Fargo. It has been over a month and my contractor still have not got the 1st payment. I have sent them all the paper work they asked for and nothing is what they want. Every time I send them something they want more. The main contractor put a the siding and the roof on the house to keep the damage down from rain. I told Wells Fargo he wanted XXXX % up front they told me that it had to be in his bid. It was. As of today we still have not got any of our money to pay anyone and when I call I get the run around. telling it will take more time. Today they told me that they were sending out XXXX check and it is only XXXX % not the XXXX % I need. I do not have use of over 1/2 my house including a bedroom. The contractor has told me that if he does not have the XXXX % by Monday that he will be coming over to take off the siding and the roof due to non payment along with putting a lean on my house for what he has had to pay out to his staff. Wells Fargo does not seem to care. I pay the ins. why do they get to control fixing my house with my insurance money. XXXX kids and XXXX adults living in a house with XXXX rooms left standing is not working and we are almost at the 2 month mark. I have had to pay what I could out and in return have not been able to make my loan payment. I cashed out my XXXX this week so that I can not make the last 2 house payment and pay the contractor some more money to keep what he has already done with the agreement with them that they will refund my money when Wells Fargo pays them. As of now my house is no longer being worked on until they get the checks from the bank.

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 09/13/2015 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed a judgement that appears on my credit report from the XXXX XXXX. I have contacted the court, and they told me that they do not have a judgement in their docket, and could not give me any pertinent information about this. They even told me that if someone was to come into the office and search the Judgement dockets, they would be unable to find information on this alleged case. After this, I disputed this with Equifax, and in only one day, Equifax closed the case ( the investigation started on XXXX/XXXX/2015 and ended the same day ) and they refused to change the information.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Payday loan () with GENTRY FINANCE CORPORATION (AZ).
Issue: Charged fees or interest I didn't expect

Complaint: Embarrassing phone calls made to my work of employment, harrassments made to my supervisor as well myself. I am currently a single mother trying to get a place for my son and myself, no vehicle and recently divorce.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Credit reporting () with EQUIFAX, INC. (MT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed several entries on my Equifax credit report that falsely shows I owe XXXX XXXX Hospital the following amounts recorded as ( 1 ) AMT {$360.00} BAL {$500.00} UNPAID XXXX XX/XX/XXXX COLL XX/XX/XXXX ; ( 2 ) AMT {$540.00} BAL {$800.00} UNPAID XXXX XX/XX/XXXX COLL XX/XX/XXXX ; ( 3 ) AMT {$210.00} BAL {$280.00} UNPAID XXXX XX/XX/XXXX COLL XX/XX/XXXX. Upon my dispute the credit collection agency, XXXX XXXX , XXXX d/b/a XXXX XXXX, sent me documents supposedly supporting their collection activity, but out of XXXX invoices sent me XXXX show {$0.00} owed. 

I am a 23 year XXXX veteran. I have a service connected XXXX and at all relevant times was validly enrolled in the VA Healthcare System. As you know, VA pays 100 % of all hospital charges that they approve, since I have no other health insurance. Obviously, the unpaid balances derived from the VA refusing to pay for overcharges or inflated billing by XXXX XXXX Hospital/XXXX XXXX XXXX. 
By letters dated XX/XX/2017 I demanded XXXX XXXX, Equifax, and XXXX XXXX stop their false reporting, but to date they have refused to do so. I request you investigate and sanction these XXXX offending parties. Their actions are no way to treat a veteran.. 
Thank you for your assistance in this matter. 
XXXX XXXX XXXX, XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX, Montana XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian has failed to comply with federal and state of California consumer laws. 
Experian has violated sections 611 and 609 of Fair Credit Reporting Act.

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 06/20/2017 about Debt collection (Credit card debt) with EQUIFAX, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: There a company name XXXX XXXX account number XXXX which is reflecting on all three of my credit reports. I do not now, nor have I ever had an account with this company. Based upon the information which they are listing as a debt, and they 're stating it was opened with a company by the name of XXXX XXXX XXXX and stating it was opened in XX/XX/XXXX. This information clearly shows that the statue of limitations have run out and does not allow XXXX XXXX to now try to collect on this debt. XXXX XXXX is trying to state that this account was open in XX/XX/XXXX and they took ownership of this debt but never notified me concerning this matter, but instead placed this on my account in the month of XX/XX/XXXX. XXXX XXXX is not within its right to collect this information and has provided false information on my report. I am asking that they remove all information from all three reports and never place this back on my account again.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit reporting () with EQUIFAX, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX XXXX is being reported on my XXXX, Equifax , and XXXX credit bureaus as a paid charge off. I paid this account in full. There was no profit loss. They said they would remove it after 60/days and they have n't done that. No offer was made. I agreed to pay full amount upon the removal in all XXXX credit resort which hant been done. I payed this item in full on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (Medical debt) with Debt Recovery Solutions, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Never received any notice of debt to pay just appeared on my credit report. The amount is XXXX but I never received treatment at this facility.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MS).
Issue: Problems when you are unable to pay

Complaint: I am 60 days late on my auto loan. I have explained to the bank ( USAA ) that I am unemployed. Since they can not do or offer a deferment I asked if I could short sell the vehicle. I would like to take it to a dealer and try to get as much as possible. I know I 'll still owe the bank money but I 've estimated that a short sell would create a deficit of around 8,000. If they repo it and throw it on a repo lot that deficit could exceed 11,000. That 's 3,000 and could possibly be up to 4,000 that I 'm basically being forced to take because they do n't want to deal with a short sale. I even said I would bring the vehicle to them, their response " leave it at your house, our repossession unit will come get it, there 's nothing we can do ''. Is there any way to negotiate this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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 disputed a XXXX XXXX 30 day late via Equifax 's dispute process and submitted a bank statement that shows 2 months of debit payments from my savings account to my XXXX " loan '' account ( XXXX XXXX and XXXX XXXX ). Equifax did not consider this, or other submitted documents, that prove timely payments and suggest an error on the creditors part. Equifax continues to show an erroneous 30-day late payment for XXXX XXXX.
<P/>
I was a member of XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) since XXXX ; I had one credit product, a XXXX card ( " loan '' ) displayed on my Equifax credit report as " account # XXXX. '' XXXX XXXX XXXX bought XXXX around XXXX, and just recently ( XXXX ), XXXX XXXX XXXX XXXX ( " XXXX '' ) bought XXXX XXXX XXXX ; However, Equifax STILL shows the XXXX account as XXXX XXXX ( EQ never updated the name changes ). The process of merging, transferring, and issuing new account numbers were phased-in by XXXX over three months : XXXX, XXXX and XXXX XXXX. 'My accounts ' page included my savings account and I would pay my XXXX  by simply transferring money from the savings account to the XXXX account ( " loan '' ) : I provided a bank statement to Equifax showing this activity for XXXX XXXX AND XXXX XXXX, this PROVES that my payment was made and was not 30 days late.
<P/>
Furthermore, when I click on the " Historical Account Information '' link I see that XXXX  has supplied Equifax with incomplete, erroneous, and contradictory information, yet Equifax continues to report it in violation of the Fair Credit Reporting Act. For instance : the " Date of Last Payment '' row says "XX/XX/XXXX, '' and the " Amount Past Due '' row says " XXXX '' for the months XXXX XXXX thru XXXX XXXX. The account was closed XXXX XXXX XXXX, yet Equifax is reporting that it was closed in XXXX XXXX.
<P/>
The numerous errors on the reporting of this account is causing me a financial hardship and interfering with my ability to obtain other credit products.
<P/>
Equifax is the ONLY credit reporting agency showing this account as 30 days late ( XXXX XXXX ), XXXX and XXXX report this account accurately as " Pays as Agreed/Never Late. ''

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (VA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: i signed up for their credit card online on XX/XX/XXXX and when i signed up i saw a offer that if i use {$500.00} on their card withing 90 days, after account opening i will get {$200.00} bonus offer expires on XX/XX/XXXX. After when i completed that purchase requirement they only issued me {$150.00} as in XXXX points. I tried to get a resolution by calling them several times but their customer support is horrible. First time they told me they will issue that missing {$50.00} as XXXX points. And after that no response. I sent them message twice. And finally i called them today XX/XX/XXXX. They told me i am not eligible for that promotion. But i already got {$150.00} as bonus. Its just missing {$50.00}. But they they told me you can only get that if you apply online i cleared them i saw that online on your website and applied and you approved my application. And I took the screenshot of the offer. when i applied so i have that screenshot. I followed all their terms to get that bonus but they are just trying to scam me out {$50.00}. I have a checking account and credit card with them and i am going to close all of my accounts if they don`t resolve this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-04-2015 about Mortgage (Other mortgage) with Residential Credit Solutions, Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: RCS, the Loan Service Provider, has rejected an appeal to my Loan Mitigation Application based on completely false facts. 
This complaint is related to Case number : XXXX

Company response to consumer: Closed with explanation