milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/15/2015 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (CA).
Issue: Shopping for a loan or lease

Complaint: Financed a truck the sales contract was never given to me by finance company was not the original contract and trade listed was never traded in it was fraudulent sales contract and trade in vehicle was sold unregistered in the state of California

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 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: Information belongs to someone else

Complaint: I have disputed unauthorized inquiries on my Equifax credit report four different times. Each time I have received the same response " inquiries are factual record ''. I have contacted the companies at the addresses and phone numbers provided by Equifax and they do not have an account with me nor do they have any record of a credit request by me. I have explained to equifax that I have been a victim of identity theft several times since my college was hacked in XX/XX/XXXX. I believe the inquiries in question were an attempt to fraudulently receive credit using my identity. It is the duty of the credit reporting agency to investigate the authenticity of the information provided and to take a consumer dispute seriously. Just because an inquiry is factual does not mean it was authorized! After I received my last dispute results from equifax I called them and was told by a rep that they do not even investigate inquiry disputes. This is absurd! The FCRA clearly states that the only permissible purpose for pulling a consumer 's report is for a firm credit offer, insurance, employment or a court order. None of these apply to me so these inquiries need to be removed or properly investigated. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My personal information was leaked or stolen XX/XX/2008 and has been used to obtain medical accounts, loans, and education in my name. I was barely legal I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't until last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this, and when we spoke to the police department they did n't have many answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think I 'm lying. Figured this was my last stop or just wait seven years I guess for this to fall off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I was in bancruptcy when my mortgage was sold back to Ocwen. They raised my payment which made me file for a modification. I was approved which also allowed me to end my Chapter XXXX. My modification was effective in XXXX 2015, my Chapter XXXX was dismissed in XXXX of 2015, and it has taken until XXXX of 2015 for them to straighten out the billing on their end. I have not been late but was still be reported as late. I was told that it would be corrected, however today I received notice from them that they were going to just " not report '' ( but already showing late ) for the time period of XXXX to XXXX and just report going forward. So was reported incorrectly while they did their clean up and now they are not going to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (NM).
Issue: Making/receiving payments, sending money

Complaint: The US Bank has posed itself at the College throughout the Semesters as, a protection in the Monies of College Students that is, in Management of XXXX Monies, Merchant Disputes as well as, Monies Management for Veterans and Students XXXX and their Incomes. 

I was very Satisfied with their Service for the 1st Year yet, I feel as if have fell Victim of a Managed Change, in Discrimination and Harrsassment of the Dispute and Resolution Department. 

The Bank should stand behind its Clients especially, in the Honesties, Care and Respect of Students, Veterans and Students XXXX. Repeat Domestic Finance and Repeat Cruelty without Minimum Recoveries from the Bank is Very Poor Job in a " Discrimination and 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 01/25/2018 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: I filed a dispute twice against Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX with Transunion and they refused to investigate. 
This company is trying to claim the debt started on XXXX 2017 and it was actually 5 years ago. It is also a fraudulent amount. I submitted this through XXXX XXXX and they refuse to let me do anything on there website unless I pay them {$19.00}.

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 01/17/2016 about Mortgage (Conventional fixed mortgage) with WOLFE FINANCIAL, INC. (NC).
Issue: Application, originator, mortgage broker

Complaint: THERE IS A HARD INQUIRE ON MY CREDIT REPORTS THAT I DIDNT GIVE CONSENT FOR THE CREDITOR TO RUN MY CREDIT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Receiving up to five calls a day. Applying payments only to interest for several years, then transferred account to collections department, when I complained about that. Harassing conversations with branch until account transferred. Transferred account without notifying me first and changed account number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/25/2016 about Debt collection (Medical) with Receivables Management Corporation of America (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A collection agency is trying to collect a debt from me that has been paid by my insurance company. XXXX county medical center is trying to collect for services render XX/XX/XXXX. The Insurance company informed the medical center the debt has been paid but the medical center continue to harass me. This is the second time that the center turned this bill over to collection. I informed the collection agency the bill had been paid and they pulled the bill back. Now it has been almost 1 year and I get another letter from the collect agency, I asked for proof from the insurance co and they sent me a ltter showing bill paid in full and there was nothing owed by me, I informed the agency that I had a letter showing nothing owed by me and they wanted a copy of the letter. I mailed a copy of the letter that I received on XXXX XXXX, XXXX and to my surprise I received another letter with a copy of the validation of the debt and there was no mention of the copy of the letter that I sent them showing I did not owe this bill. Enclose is copies of correspondences from the collection agency. I consider this a form of harassment. I am XXXX XXXX XXXX that is why I pay for a supplemental insurance policy to pay medical bills that medicare dose not pay. I have been harassed for over 1 year with this hospital, I have tried to settle this account by asking the hospital to a XXXX way conference call and they refuse to speak with insurance company while I am on the line

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: Equifax, XXXX, and XXXX  will not remove a collection account from my file that I have disputed since I discovered it on my reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX placed a Collection account on my credit files for {$1800.00} on behalf of XXXX XXXX. The account has been on my credit profile since XX/XX/XXXX. 

I have disputed this over and over since XX/XX/XXXX. The credit bureaus continue to say they have already " validated the debt '' in a previous dispute and they refuse to contact the original creditor and dispute the claim correctly. 

I have reported this to the original creditor years ago as a fraudulent account. XXXX still sent the account to a collection agency knowing I was disputing the fact that the account was even mine in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Credit card debt) with JH Portfolio Debt Equities, LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In XXXX XXXX, I began receiving numerous debt collection letters from XXXX XXXX XXXX for debt I did not recognize. The only debts that could possibly be related to me are from XXXX -- when I had a XXXX and was unable to pay my bills, and creditors would not work with me to set up a payment plan. I have not made any payments on these debts since XXXX, and I have been informed that these debts are now time-barred. I do not know why I suddenly began receiving collection letters in XXXX of this year. With the help of an advocate, I sent XXXX XXXX XXXX a certified letter to cease all communication with me and to record in my file that I did not want to receive any future communications about these debts from anyone. I am a senior and a XXXX veteran and receiving these letters makes me very stressed and anxious. Despite my letter telling XXXX XXXX XXXX to cease communication, the alleged owner of the debt XXXX XXXX has apparently now placed my account with another debt collector, XXXX XXXX, XXXX who is now sending me collection letters for the same debts.

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 03/14/2017 about Debt collection (Credit card) with DISCOVER BANK (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This phone number called 13 times today alone.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XXXX XXXX, 2017 I was charged {$2600.00} from XXXX XXXX XXXX.
<P/>
This purchase was made by my business partner. I did not authorize this transaction.
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I contacted the company to explain them that this order needed to be canceled. They refused to cancel the order Because they said it had already shipped. I then contacted my bank Chase and disputed the charge with them.
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Just to note, no item was ever shipped.
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Chase provided my account with a temporary credit immediately upon issuance of the dispute.
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A couple months later I noticed there was a claims reversal. After noticing that I contacted Chase claims department and inquired about why my claim was reversed. They explained to me that my dispute was entered as a fraud claim stating that I Did not authorize, nor was I aware of the charge.
<P/>
Which is incorrect because I was aware of the charge but I just did not authorize it as I stated my business partner used my card without my authorization.
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Now being about two days what months after the original charge. I now asked the Chase dispute representative how could I possibly be charged if they never even sent me the item.
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The representative told me he would re-issue the claim as items never received or shipped. Just today I noticed a claims reversal again of the {$2600.00}. So I contacted chase claims department and was told my claim was denied because the original claim was put in wrong. And that the second claim never held any substance being they went off of the documentation of the first claim. I asked if the merchant was required to prove that they sent it to me knowing nothing was ever sent. The representative respond that they did not have to provide that documentation.
<P/>
I am extremely disappointed with this process and left wondering how could I possibly have been charged over {$2000.00} for item I never received it was never shipped. I asked Chase to put in a dispute again and they told me it was past the deadline to issue another dispute. I told the representative all they had to do was request the merchant or company to prove it was sent via tracking for signature of receiving the item.
<P/>
I hope there is a way to dispute this moving forward. If there is any advice or help you can offer To resolve this matter. I would greatly appreciate it. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Consumer Loan (Installment loan) with BANCO SANTANDER PUERTO RICO (NC).
Issue: Managing the loan or lease

Complaint: Since XXXX of this year I have been trying to get the bank to make a correction in my credit report for an account reported incorrectly. I had a personal loan that had a balance of about {$1800.00} in XXXX of 2013 and it was about 30 days past due. I contacted the bank and indicated that I could pay the amount in full if an adjustment was made to the interest rate already paid and a waiver was granted for the accumulated late charges. After several phone conversations, the bank agreed to let me pay off the account with a discount. The amount of discount was {$570.00} which consisted primarily of late charges. The loan was paid off in XXXX of 2013. In XXXX of 2013 the bank reported the debt as charged off to the credit bureaus. The account was 30 days past due at the time the bank agreed to a discount, but reported the account as 120 days past due and for that reason was charged off. The account never reached 120 days past due to justify being charged off as the report to the credit bureau indicates with the charged off code. Subsequently, the account was sold to an investor. The investor sent me a collection letter, however, after I explained the situation the investor verified the information with the bank, and they proceeded immediately to delete the information in the credit report and sent me a letter indicating that I have no debts with them ; however, the bank refuses to do the same and continues to report incorrectly an account they do not own anymore. I have disputed the information in the credit bureaus, but when the credit bureaus contact the bank, the bank indicates the information is correct and takes no action. The bank refuses to change the credit report despite several conversations and after two bank officers agreed with me that the account is incorrectly reported and promised to make the required changes. Also, the bank has not returned the cancelled promissory note despite several requests on my part. 
Please see attached letter which explains in details the problem. 
As resolution for this matter, I want the bank to delete completely the account from the credit bureau since their actions have caused considerable damage since I have been trying to obtain a loan for a house I have under contract for deed, and I have not been able to obtain a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Upon being denied from a lender for " too many inquires '' on my credit reports, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on credit reports that I DID NOT authorize and had no knowledge of. I contacted the credit bureaus immediately and was being given no resolution. I also tried putting a fraud alert on mt account which should ensure this issue is n't a re-occurrence. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.     I have attached Inquires listed on my report that I did not authorize.

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 02-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: We filed chapter XXXX bankruptcy in XXXX XXXX. It was discharged on XXXX XXXX, XXXX. HSBC should have started reporting our payments to the XXXX credit agencies., I found out that they have n't reported any of them when we tried to refinance the mortgage with another lender.. I sent them a fax asking them to 'reaffirm ' our mortgage on XX/XX/XXXX. When I called the next day and talked to a customer service agent about getting something in writing about the affirmation, I was told they were never going to re-affirm our mortgage. They do n't 'do that ' anymore. They are basically holding us hostage to their horrible company and practices as I was told by XXXX XXXX XXXX that without that written affirmation, they would n't re-finance us. Even though I have every monthly statement that shows the payments were make on time. Our mortgage with HSBC is an adjustable rate loan which adjusts every 6 months. It 's starting to adjust upwards. We also found out a few years ago that they did n't participate in the federal re-finance option offered for underwater mortgages. I want them to re-affirm the mortgage and submit all back payment information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Student loan (Non-federal student loan) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: FAMS called friends and family members that I had not disclosed their personal numbers to inform them of my debt. What is eerie is how they acquired this information because XXXX family member they called, in particular, was my grandmother whom lives in a geriatric community. They called her house phone ( land-line ) when she does not even live in the states. She had no idea of my student loan because I did not want her involvement, and she has a XXXX XXXX. She called me crying and nervous because FAMS had called her saying I was in trouble and she needed to confirm my address and cell number. She asked what they wanted with me, and they told her that I was in trouble and she needed to help them help me. My grandmother was called three hours after my uncle, whom also was not informed of my debt, and was phoned on his private cell. XXXX do not live in the states, of which FAMS knew, because they sent operators to speak in XXXX. In addition, my uncle, whom does speak English, had confirmed to them my information, to which they disclosed my debt. Hence, why did they call my grandmother three hours after they had illicitly spoken to my uncle, whom confirmed the information they supposedly did not have? Those are only XXXX, atrocious examples go the violation of privacy and dignity FAMS caused against me. They called my family, whom did not know, and suspiciously acquired their information. Absolutely none of the information they have on me uttered these family members names or information, particularly because my " uncle '' is actually a third cousin of my mom, whom I call " uncle '' out of love. When I confronted FAMS on this situation they lied, and claimed that these people were listed as " recommenders '' for my loan. My XXXX grandma with XXXX and poor XXXX did not write me a student loan recommendation. In addition, I would never tell my family of my student debt, especially my uncle. It made no sense. They then proceeded to apologize, but never to told me how they got the information. FAMS is supposed to be in association with XXXX, which had my loan prior. Thus, they already had my number, email address, and address. They did not need to call anyone and did so to embarrass me through cruelty.

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 05-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested verification of debt from this company and they will not provide it to me. It says that I opened this XXXX XXXX account XXXX/XXXX/14 and I have proof I was with XXXX at that time! This debt is not mine and I want proof of when this account was opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have incorrect information in my credit which is setting me back from my mortgage loan approval. I have been going back and forth with companies to resolve the issues but I 've been told that the credit beaureau are reporting this information. I am unavailable to file a dispute because when I put in my info to dispute, it says can not process request. Please help us out!

Company response to consumer: Closed with explanation