milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX representative mistakenly did a hard pull on my credit report. I contacted XXXX office of the president ( XXXX ) XXXX extension XXXX and XXXX informed me they have requested TransUnion to remove the hard inquiry on XXXX/XXXX/XXXX. 

XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX On XXXX/XXXX/XXXX the hard inquiry was still on my TransUnion credit report. I contacted XXXX and they informed me that the request was sent and the processing time is entirely up to TransUnion. 

On XXXX/XXXX/XXXX, nearly half a year later, the hard inquiry is still on my credit report. TransUnion failed to process the removal request in a timely manner and always pushed me to creditor ( XXXX ) when I contacted TransUnion customer service. The customer service supervisor I spoke to was XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Consumer Loan (Vehicle loan) with Bridgecrest Acceptance Corporation (FL).
Issue: Managing the loan or lease

Complaint: I have an auto loan that was paid off on XXXX/XXXX/2016 in the amount of {$14000.00} ( PAID IN FULL ). As of XXXX you are still reporting my paid off account as ( OPEN ) with a balance of {$14000.00}. This is incorrect credit reporting. Please update all XXXX of my credit reports XXXX as PAID IN FULL with a {$0.00} balance. 

As this is incorrect balance is affecting my credit rating.

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 07/24/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: For the last year I have had a Santander account that does not belong to me reporting to XXXX and XXXX agencies. I have contacted Santander and was told there was no balance associated with me, but that my name, date of birth, and social were on file. I made them aware that I have never applied for any credit from them, or previously had an account with them. I also contacted the credit bureaus and was told this was fraudulent information, and that upon contacting the creditor this issue would be resolved. I was told by Santander almost a full calendar year ago that i would receive a letter in the mail detailing how they received my information and i have yet to receive this. XXXX was able to confirm this account did not belong to me, and months later reinstated another Santander account in the form of a credit card with different dates and balances. I have been kept from following through with my mortgage because of these constant challenges with a creditor who is not willing to respond with any valid information or work with a person who has been a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX 2013 The United States Bankruptcy Court - XXXX District of Florida had sent docs for a Chapter XXXX Discharge of Joint debtors for both : my self and my husband to all creditors involved.I have attempted to contact the companies many times to have our credit information to be updated. OUR Equifax reports has STILL not been corrected! I have also filed COUNTLESS disputes WITH EQUIFAX only to have them DENIED by YOUR company and my credit score impacted further- this is in VIOLATION of the bankruptcy of the Bankruptcy court discharge! This needs to be corrected ASAP! - I want this backdated to XXXX of 2013 for the correction as well.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with HIPPA requirements to Central Financial Control. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was validated wrong by Central Financial Control. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, I know that a Debt Buy can not hire another debt collector to collect for them in Texas therefore this debt can not be transferred to another collection company. Therefore, this debt should be removed from out of the office of Central Financial Control.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: IN REGARDS TO : ALLY FINANCIAL P.O. BOX XXXX XXXX MN XXXX. I REQUESTED DEBT VERIFICATION BY REASON THAT THE ACCOUNT IS REPORTING INACCURATELY BEING FIRST REPORTED ON XXXX XXXX. HOW IS THAT POSSIBLE WHEN THE ACCOUNT DATE OPENED DISPLAYS XXXX XXXX? ON TOP OF THAT I HAD NEVER BEEN LATE WHICH IT SHOWS SEVERAL LATE PAYMENTS. I ASKED ALLY TO PROVIDE INFROMATION REGARDING MY ACCOUNT UPON REQUEST. IT WENT UPON DEAF EARS. I GOTTEN NO RESPONSE. ALLY FINANCIAL AGENT RECEIVED THROUGH CERTIFIED LETTER XXXX XXXX SIGNED BY XXXX XXXX RECEIVED ON XXXX/XXXX/XXXX. TODAY WHILE CHECKING MY E-MAIL I RECEIVED A NOTICE FROM MY CREDIT MONITORING SERVICE. ALLY FINANCIAL REPORTED TO XXXX THAT THE ACCOUNT INFORMATION DISPUTED BY CONSUMER MEETS REQUIREMENTS OF THE 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 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX Now account # XXXX amount XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Deposits and withdrawals

Complaint: I had open an bank account with chase, I thought it was really neat to take a picture with your phone to deposit you check its was convent for me. That way I do n't have to wait in line to deposit the check, anyways check went though and I received my money no problem 2 week later I had got XXXX a notification on my phone say that I owe the money and that I needed to pay it back I call and complaint about it and they said that its my fault that some other back had cash the check in there account which i do not have an other account with anyone. So as of right now, my back is over draft and I 'm not paying it for something I did n't do. so now Im using a pre paid debt card that I have to pay to put money to pay my bills ....

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Student loan (Federal student loan servicing) with ACS Education Services (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I recently learned that my loan provider offers interest rate discounts with enrollment in Auto-Pay. After enrolling, I learned that the interest rate discount is lower than initially informed. I communicated with my servicer and was informed that the different " disbursements '' in my account offer different interest rate reductions. In addition to making almost two years worth of regular payments and not knowing that I could reduce my interest rate with auto-payments, I was never informed that there were multiple " disbursements '' on my account. I have now payed over {$3200.00} in additional payments over the last 8 months that would have payed off at least one disbursement that did not offer a lower interest rate, thereby reducing my weighted interest rate faster. This is all because the information that benefits me as a consumer is not available on my servicer 's website.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Mortgage (FHA mortgage) with FIRST CITIZENS BANCSHARES, INC. (NC).
Issue: Application, originator, mortgage broker

Complaint: I applied for a mortgage on XXXX XXXX on First Citizens Bank 's website. After I waited about two weeks for a response from them, I called them to figure out what happened with my application. From there, a representative told me that my banker was XXXX XXXX, and gave me his number. I called numerous times until he finally returned my phone call. I thought this would speed the process up to keep up the communication, but I have been chasing XXXX XXXX ever since. I have called numerous times, I get the run around on why I ca n't even get a pre-qualification letter to look for homes, he keeps asking for all of this documentation, and I even got his manager to push him and I still am here on XXXX XXXX with no answer. I am tired of waiting on an answer from them. I feel that if they were going to deny me, they could 've done that in XXXX, because they had more than enough relevant information then, but to put me through this for months, treat me differently than your other customers, and denying me the opportunity to go through the process is wrong. In their own process, it states I should have gotten the letter to look at homes months ago, but I am being told I have to go through the process before I even get to step XXXX, which makes no sense. I get no answers on why I am not even following their own process and still no answer. I just want someone to at least force them to give me an answer so I can just move on if it 's not going. Making me wait months is not the way to go about this, and denying me equal treatment feels like I 'm being treated unfairly. If this is how banks are operating after they caused the recession, no wonder house sales are so low. If this is how customers are treated now, no wonder they give up on buying a home and pay rent instead. That 's where I am right now, and I should n't feel this way when I have been given all of these reassurances with no results. I have more specific dates and times, but it 's going to take me time to compile all the times I tried to contact them with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Consumer Loan (Vehicle loan) with TCF NATIONAL BANK (AZ).
Issue: Managing the loan or lease

Complaint: I purchased a vehicle from a small car dealership in XXXX Arizona. I had the vehicle for a little over a year now. I went to go trade the vehicle in at a big dealership and when the sales manager pull the XXXX and XXXX on the vehicle to find the vehicle 's odometer has been rolled back. I signed for a vehicle with XXXX miles. It really has XXXX miles. Earlier last year the dealer filed a restraining order on me because he stole my wifes car and he wanted to keep me away from it while he was ripped everything that we own out of the vehicle along the sums of about {$1500.00} worth of items. The police would not file a stolen items chatge on the dealers owner. I had no way of contacting him and getting to the bottom of the situation through the dealers owner. I contacted the bank and the bank told me that I 'm still responsible to pay for the vehicle which is {$15000.00} more than what is actually worth. I finance the vehicle for {$19000.00} and the owner of the dealership knew that the vehicle 's odometer has been rolled back and still sold it to me for {$19000.00} even though the vehicle is only worth {$5000.00} trade value. I have all documents to show that this vehicle was at XXXX miles when I sign for it. The dmv has documentaion thatvthe vehicle is signed for has almost XXXX miles on it.This dealer has been doing a lot of scamming to the public people of Arizona and the state of Arizona is not doing anything to prosecute him or recover anyone 's damages, I still have to pay for the murchandise that the owner stile out of my famikystuff car. I ca n't afford a lawyer. I know I am part of a struggling working family and I ca n't afford legal representation because they are very expensive. The dealers owner has numerous law suits against him so recovering losses may be out of the question.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This complaint is regarding the Equifax Data Breach that occurred between XX/XX/XXXXandXX/XX/XXXX and was reported in XX/XX/XXXX. This gross incompetence and lack of care for the privacy and security customers ' personal information has directly impacted me and family members, as we 've been informed by Equifax that our information has been stolen in the data breach. Further, the fact that even getting the information and protection that Equifax offers as recompense for their incompetence REQUIRES me to waive my right to join a class action against them is the most evil possible thing Equifax could have done.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I 've had to defer and place my loans in forebearance every since graduating and thanks to the interest rate, I may never pay it down. Im grateful for the loan but need help getting the balance down or possibly lowered interest rates. I was able to get an income based repayment but it expires this year and my cost is increasing monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 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: I 've been going back and forth with XXXX for the last few weeks about disputing and deleting items off my credit report that does not belong to me. And they have done absolutely nothing to help me the accounts that 's on my credit report with them are not mine it 's two of them on there and I have over nine or 10 inquiries that do not belong to me and they will not delete them off and I 've been going back and forth with them for weeks all they keep doing this updating the information which is making it stay on my credit report longer I do n't understand how my credit keep getting run if I have the credit Identity On It so that anytime I credit is wrong you have to verbally speak to me to be able to approve me for credit I do n't understand how somebody is still able to run my credit and give me all these inquiries. 
Accounts that are not XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX its on the report 3 times.Inquires that are not mine XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .Please help me with these accounts an inquires i did not give my permission on these. Nor did i authorized it.

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 01-06-2017 about Mortgage (VA mortgage) with PNC Bank N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: PNC Mortgage keeps calling every month on the XXXX XXXX to tell me that I am late, they will keep calling until I pay, this harassment most stop where is the gov. to stop these Bank from harassing people, we all know this is wrong so why does n't the gov. just keep fining them each time they do wrong, if they could harass us then we the government should harass them, this is not the only thing this Bank does to people, its in this complaints on this site, I say if you have more then XXXX complaints about the same thing then there is no reason for the gov. to investigate, tell them to stop these practices, then stat to fine them, whats so hard to see, business and Government know what wrong, and know people have hard times sometime to pay due to unforeseen maters and people know that they are late so why let these greedy company 's harass us.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Please stop trying to collect a debt that was charged off and I received a XXXX and charge off from capital one many years ago

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I was enrolling at XXXX college, XXXX, and was encouraged to take out a private loan by the advisor I was speaking to and when she told me that XXXX was not covered by federal loans and that I had to pay out of pocket while in school to be eligible to remain and complete my course of study. I knew I could n't pay that and I did not even have a job so I could not pay if I wanted to. My partner at the time was also present and was asked by the admin department advisor, if he was willing to help me with that portion of the money so I can attend. He agreed and they enrolled me that fast. Now we r not together and he did not pay the loan, I got stuck with it and now I am falling behind what are my options when I did not need to create a debt in order to attend school and now he forgot he agreed to help me pay that. So how does that work, I am trying my best but I am still struggling because of that loan from genesis lending. That service is not even worth the problems a lot of XXXX students have experienced, they ca n't even show you correct detailed information online or on paper for that matter, and now they are getting sued for putting that kind of burden on student 's that are trying to get an education to make money when they when they get a job .... How would I be considered for a discharge on that part of my student loan, I believe that I am paying for something that I should not have to when I did not have income and my ex partner was the responsible party when he agreed to pay that part.???

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 01/28/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Rewards

Complaint: I have tried to use the online cash back redemption on my Capital One card for several months. I have emailed the error messages I have received, on multiple occasions, to Capital One yet they continue to ignore the issue asking ME to call their IT department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: Have continually disputed incorrect information about  XXXX    XXXX   XXXX   XXXX   XXXX   on my report. Company comes back stating " company verified it was mine. '' However, they never have any documentation. After requesting documentation from the debt collector and not receiving any proof, there is no record of the account. Therefor, the account is continually being shown on my report despite no proof of any original documentation or that it is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a tax lien that was paid off BEFORE it was put on my credit report.

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 05/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (WV).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: For a couple of years I 've been able to exceed the max balance by {$2000.00} as long as the entire over limit balance is paid each statement. On either  XX/XX/XXXX  o r  XX/XX/XXXX  , I thawed my credit to apply for a personal loan with them which was declined. The main weighted reason for the decline was derogatory public information. I did n't know what this was so I checked my credit and there is a medical debt collections account for {$350.00}. Well, I had no knowledge of this debt and I 'm working to get it removed. I have received no written notice of debt and no one has contacted me regarding it  (  even from whatever the original company was  ) , it just showed up. Well, my card was over the limit ( but still within the grace period ) and they started declining charges a week later. When I called them they would n't acknowledge a grace period, would n't acknowledge a set grace limit ( which I had been told was {$2000.00} for me  XXXX .   I feel they are using the untrue collection information they obtained in the personal loan application ( through that credit pull ) and are using it against me on the credit card I have had in good standing for over 10 years.

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