milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The 3 major credit reporting agencies are listing numerous Credit Inquities which are not linked to any accounts that I am a holder of. I am Im the process of trying to purchase a home and these Inquiries are an issue. I understand that an inquiry should not be on my file unless I have authorized it so I am kindly requesting that these be removed from my credit because it is making it difficult for me to proceed with home ownership.
The FCRA states that the only permissible purpose for pulling someones credit is for : 1. Firm offer of credit.
2. Insurance.
3. Court Order.
4. Employments.
The following Inquiries are not related to any of the aforementioned permissible and I would like them to be removed. Some of these Inquiries are so closely dated that I am certain they are unauthorized.
1. XXXX XXXX Dated XX/XX/XXXX ( 3 Bureaus ) 2. XXXX XXXX Dated XX/XX/XXXX( 3 Bureaus ) 3. XXXX XXXX XXXX DatedXX/XX/XXXX ( Equifax ) 4. XXXX XXXX Dated XX/XX/XXXX ( XXXX and Equifax ) 5. XXXX XXXX  Dated XX/XX/XXXX ( XXXX ) 6. XXXX XXXX Dated XX/XX/XXXX ( 3 Bureaus ) 7. XXXX XXXX DatedXX/XX/XXXX ( 3 Bureaus ) 8. XXXX Dated XX/XX/XXXX ( XXXX ) 9. XXXX Dated XX/XX/XXXX ( Equifax ) 10. XXXX Dated XX/XX/XXXX ( XXXX  ) 11. XXXX Dated XX/XX/XXXX( XXXX ) Please do not hesitate to correspond with me if you need further information and I am grateful for your kind assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (I do not know) with ROC Asset Solutions, LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received calls from the same person at both XXXX XXXX and XXXX XXXX stating that a friend of mine has financial fraud action pending against her, and she left my number as a reference. After the XXXX message, I called my friend and left her a message repeating the charges and phone number. Then I called the above number and left a message stating that I called my friend and gave her the information ... I stated my full name and personal cell phone number and commanded that she do not call my number again. A few days later, I received a message from my friend stating she called the number and made arrangements to pick up the payments. However, I received another call afterwards from the XXXX number asking directly for my friend by name claiming that my friend returned her call from my number. Yet when I tried to tell this person she did not call from my number, she insisted that she did ... this harasser threatened every time that she called that she was going to send the allegations forward ... I told her to send it forward and that I contacted my friend and gave her the information but I was not giving her number ; now it 's between the XXXX of them and if she calls my number again, I was going to report her for harassment. Yet today, this same person called again asking to speak to my friend by name. When I tried to tell her that my friend called her from a different number, she claimed I did n't know what I was talking about and again, threatened to send the allegations forward. Throughout all of this, my friend insists that she spoke to someone and made arrangements to pay. I just spoke to her again today. I 've had enough of this person harassing me personally for a debt I do not owe. There were somewhere between 10 to 15 calls this month alone. I pray that this complaint with stop the harassment calls.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (AZ).
Issue: Taking out the loan or lease

Complaint: Went to purchase a vehicle at a XXXX dealership. I was approved for a lease with Toyota, and left with the vehicle. The next day I received a call that stated they were not able to secure the loan with Toyota as there had been a negative outcome to my last loan with Toyota. I was told that if you ever default on a loan with Toyota they will NEVER finance you again. To me this is a classic example of overt discrimination, as the default was in 2010. I have a reestablished credit history, to show that I am in a better financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (NY).
Issue: Credit decision / Underwriting

Complaint: On XXXX XXXX, 2016, my son and I called Wells Fargo to apply for a Home Equity Loan. 
We spoke with XXXX XXXX ( Tel. XXXX ext. XXXX. ) She explained the process and told us it would take XXXX weeks to close on the loan. We told her that remodeling and updating was being done and she said that as long as it was n't a new home construction, it was OK. We were pre-approved, and were told that there would be a drive by inspection. When the inspector drove by, we were painting the exterior. He reported back to Wells Fargo that the house was under construction. After telling them that the house exterior was being painted, Wells Fargo upgraded the inspection to a full inspection of the interior, which increased the cost of the inspection and would take more time. Again we told them that the reason for the loan was to remodeling and that there were open walls. On XX/XX/XXXX, during the inspection, the inspector requested an estimate to sheet rock the walls. We emailed her the estimate on XXXX. 
The following week I called XXXX XXXX our Home Equity Specialist at Wells Fargo Consumer Lending Group ( XXXX XXXX XXXX ext. XXXX, email : XXXXXXXXXXXX ) to find out the status of our application and she told me that it was being reviewed by the underwriter. After a week, she told me that it needed to be reviewed by a XXXX underwriter. Last week, I reached out to customer service to find out the status of our loan. The agent told me that she would bring it to a manager 's attention. This morning, I emailed XXXX XXXX to find out what was going on. She called me at about XXXX to inform me that the loan was decline because of open walls in the kitchen. As a retiree, this has become a drain on me and my husband. We were taken in circles and had Wells Fargo been honest from the beginning, we could have gone to another bank. We are requesting that any fees ( including appraisal ) be refunded to us. Alternatively, we would still accept the loan if it were processed this week. Unfortunately, waiting 15 days for a response will not work given we have already been put in a position of hardship by Wells Fargo. We need to move forward with our projects, and their funding.

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 07/29/2016 about Payday loan () with Advance America, Cash Advance Centers, Inc. (OR).
Issue: Charged fees or interest I didn't expect

Complaint: It started on Monday XXXX I received a message from my father 's ex-wife 's daughter frantically telling me a company was contacting her concerning a claim against me. The next day I get another message they called his ex wife and told her the same. Mind you they 've been divorce over 12 years. The same day I get a call from my mother claiming thw same thing. So I call and am advised I am being charged {$920.00} for a payday loan from Advance America from 2 years ago including interest and legal fees. I was told I would be taken to court and or arrested and possibly garnished if I did n't conform. The terms were 4 months at approximately XXXX monthly I obviosly do n't have that. So I told them I would call back because of not by XXXX that day they are going to take legal action against me. So I called back told them I can not make the payments I ca n't afford it. I was advised that can bring it down to {$110.00} per month. It was the only thing i could do to get them off my back and have them to stop calling and harassing my family. I can not afford these payments, if I made more money maybe I could. But I do n't and I ca n't make the payments at this time. I saw your company on tv and thought I 'd give it a try.

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 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Credit Bureau has ignored me ... .Consumer inquiry is legitimate and obvious, but credit bureau fails to read adequate and input wrong data. Car Note should be XXXX XXXX XXXX XXXX ... it is referred to this way on all statements. Credit Bureau does not read adequate or report has wrong data. 

Line of Equity 2nd mortgage scheduled payments ... wrongfully categorized as evolving credit. Our home is XXXX XXXX XXXX appraised near 1million by the bank. 

Errors cause higher interest rates on our debt. Is there recourse to recovery from negligent mistakes. These error raise our interest rates. Our effort is to avoid the indebtedness that Credit Bureaus touch.

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 11/30/2015 about Debt collection (Medical) with Harvard Collections, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: After receiving a bill from them I contacted them certified mail usps XXXX requesting debt validation. They then sent me a letter asking me to help prove to them that I do n't owe the debt but no validation. They have continued reporting to the credit bureaus for unvalidated debt amounting over {$17000.00}. I have a right to see the medical bill and dispute charges of services I never received. Continuing to report the debt is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is not valid. I 've sent two letters to Transworld Systems regarding the XXXX XXXX. The XXXX XXXX commited fraud with false advertising. I returned the product which was received XXXX XXXX, 2015 at their company. I lost {$140.00} to the XXXX XXXX and they have their product back in full working order with no damage. Transworld needs to stop harassing me over this non-valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Medical) with R.M. Galicia, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I lost my wallet many years ago!   This is not my debt. I have reached out to dispute this Matter with the collection Agency, as well with the  XXXX  bureaus. I am doing what I can to fix this problem that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Consumer Loan (Vehicle lease) with World Omni Financial Corp. (CT).
Issue: Managing the loan or lease

Complaint: Dear Sir, Madam, I would like to file a written complaint against Southeast Toyota Finance ( XXXX XXXX XXXX, XXXX, XXXX, XXXX ), My Account # XXXX. I had leased a XXXX Toyota Highlander from the company. As my lease term expired, I decided to take out a fixed rate loan from XXXX XXXX XXXX XXXX to pay off Southeast Toyota Financial. I requested a pay off quote from Southeast Toyota Financial and explicitly asked for the various fees to be broken out ( {$350.00} lease termination fee, {$90.00} Doc. Fee, {$480.00} Estimated Property Taxes, {$1300.00} Sales Tax, {$20000.00} Residual Value ) instead of one everything burried in one final grand total figure. I called back several times to request a break down of the pay off quote. My rationale was to be able to proof to my CPA that Sales Taxes were paid ( which I can deduct for tax reporting ), and Property Tax payment was made. As you might know the property taxes for leased vehicle is paid by the lessor and subsequently charged to the lessee. In other words I need a proof of payment indicating that Southeast Toyota received my funds, so when my local Tax Collector calls me i have a proof. It turned out that I overpaid my property taxes approximately by {$50.00} to Southeast Toyota Finance. My new lender ( XXXX XXXX XXXX XXXX ) sent over the Odometer Statement along with the check for the pay off ( {$23000.00} ). I also found that the {$90.00} documentaion fee was burried in the small print on the back of the lease agreement. I truly think that the way Southeast Toyota handled this situation was very deceptive and unprofessional. I spend several hours on the phone and they promised that the documents and the refund check will be sent out. I recived no resolultion regarding my case. I am hoping that someone can escalate the issue and protect me from predatory lending as this. Looking at the way these leasing companies are luring people into leases is very deceptive : not disclosing fees the proper way, not educating the client about the terms and conditions. 
Your kind help is greatly appreciated. 
I can be reached at XXXX. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have duplicate hard inquiries reporting to the consumer credit reporting agency. I have disputed this with the agency and they still do not remove them. They told me I need to contact the creditors on removing them. I have written to the creditors, also called them with no response to my dispute of the duplicate entries they are reporting on the same day or a day apart, same year for the same reason " auto financing ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/22/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Settlement process and costs

Complaint: JPMorgan Chase Bank, N.A., XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, IL., filed documents that were intentionally inaccurate and submitted without any good faith basis to the United States Bankruptcy Court in the XXXX District of Illinois and the Circuit Court of the XXXX Judicial Circuit Court , XXXX County , Illinois in order to obtain a Judgement of Foreclosure and Sale on XXXX XXXX, XXXX. 

Since XXXX XXXX, XXXX, JPMorgan Chase Bank , N.A . has continued to practice unfair, deceptive acts and business practices by denying consumers Rescission Rights. 
Consumers Rescission rights are as follows : Rescission Rights ( Open-End and Closed-End Credit ) - Sections 1026.15 & 1026.23 TILA provides that for certain transactions secured by the consumer 's principal dwelling, a consumer has three business days after becoming obligated on the debt to rescind the transaction. The right of rescission allows consumer ( s ) time to reexamine their credit agreements and cost disclosures and to reconsider whether they want to place their homes at risk by offering it as security for the credit. 

To rescind a transaction, a consumer must notify the creditor in writing by midnight of the third business day after the latest of three events : Consummation of the transaction, Delivery of material TILA disclosures, or Receipt of the required notice of the right to rescind. 

This complaint will serve as Notice to JPMorgan Chase Bank, N.A, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Il to rescind loan transaction XXXX based on failure of JPMorgan Chase Bank , N.A . to : Consummate the transaction, Delivery of material TILA disclosures, and Receipt of the required notice of the right to rescind. 
If the consumer rescinds the transaction, the creditor must refund all amounts paid by the consumer ( even amounts disbursed to third parties ) and terminate its security interest in the consumer 's home.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: There is an open collection account on my credit report that was discharged in a bankruptcy. Should n't that be closed?

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Payday loan () with Advance America, Cash Advance Centers, Inc. (IN).
Issue: Charged bank acct wrong day or amt

Complaint: XX/XX/XXXX, I applied for and received a payday loan in the amount of {$400.00} from Advance America. The total amount owed was {$470.00} on XX/XX/XXXX. On Approximately XX/XX/2015, I went to Advance America and paid {$300.00} in cash, leaving a balance of {$170.00}. I was supposed to go back to Advance America on XX/XX/XXXX to make the final {$170.00} payment but did not because I was ill. 

I called them to apprise them of this and told them that I would be in to pay my balance once I felt better. On Wednesday, XX/XX/XXXX I spoke with Advance America again and told them I was still ill, in fact I had just left the doctor 's office and had missed school but assured her that I would be in to pay my balance soon. 

The customer service rep suggested that I make a payment by Saturday, XX/XX/XXXX, if I felt better. I did not! I missed their call on Monday. On Tuesday, they deposited the post dated check I left with my application for the full amount of {$470.00}. 

I called and asked them why they did this and Advance America stated that I missed their call and I did n't call back. I immediately told them that I did n't owe the full amount and she told me that they would refund the extra {$300.00} taken once my check clears. So now I 'm being deprived of money that is clearly mine for their benefit. My account was overdrawn as a result of this. I suffered XXXX and XXXX because of this. 

I am already ill but would like to know do I have standing to bring a suit against Advance America for Damages. 

They had no right depositing a check written for the full amount when they knew the full amount was no longer owed. To me, it amounts to theft or the fraudulent interference with a consumer deposit account.

Company public response: Company believes it acted appropriately as authorized by contract or law
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. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax security breach and website is unable to authenticate me to allow me to place a credit lock. I tried calling and was unable to get through to anyone who could help.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Debt collection (Medical) with General Business Recoveries, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have disputed this item time and time again and it has been removed off all my credit reports but one. Now it looks like the creditor has re-aged the debt without my permission and made my credit score plummet! I am XXXX years old an dthe doctor that is trying to collect from me is a XXXX physician - He ONLY sees patients that are XXXX! i demand this be removed from my credit report! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX $ XXXX DetailsLast Reported XXXX XXXX, XXXXCollection Agency GEN BUS RECOriginal Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX OpenOpened Date XXXX XXXX, XXXXClosed Date -- Responsibility IndividualBalance $ XXXX Balance $ XXXX Account information disputed by consumer, meets FCRA requirementsCreditor Contact DetailsGENERAL BUS RECOVERIES XXXX XXXX XXXX, XXXX ( XXXX ) XXXX something wrong? 
Learn more about how to dispute items on your credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (CA).
Issue: Unauthorized transactions or other transaction problem

Complaint: On XX/XX/XXXX, I bought a {$44.00} of light coin on Coin base.com. On XX/XX/XXXX, I sent the amount to my XXXX address : XXXX. It asked me to claim it by clicking on the link in the email. I did just that. The amount disappeared in my Coinbase account but did not show up any where in my XXXX account. I do n't know where the money went. I repeatedly contacted Coinbase thru email to inquire how I could find where my money went. They never responded to my inquiry. I m filing this complaint because i like to recover my money and find out where i can find it again.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Inaccurate Information Used In Credit Score Rating Provided by Equifax On XX/XX/XXXX I sent a letter to Equifax Info Svcs, XXXX, GA XXXX that stated the following : " My credit score report ( FICO Score XXXX based on Equifax data ) provided through my credit union ( XXXX XXXX ) indicates that a Key Factor impacting my XX/XX/XXXXscore is a Serious Delinquency. The report further states, Your score was impacted because your credit report shows one or more serious delinquencies. Copy of the Credit Score Rating report is enclosed. I dont recall ever having a delinquency and examination of my credit report shows no evidence of any delinquency. This error no doubt has caused my Credit Score to be rated incorrectly. " I received correspondence from Equifax dated XX/XX/XXXX. # 1 was copy of my credit file  Confirmation # XXXX which showed no delinquencies ever posted to my file. # 2 was Equifax letter, Confirmation # XXXX, saying the results of the dispute I filed are complete and giving info about the process. Equifax addressed my complaint as if it were about incorrect info in my credit report which was not at all the case. The info in my credit report is accurate in showing no delinquencies have ever occurred. The complaint was / is ; my Credit Score has been negatively impacted by inaccurate info reporting that I have a serious delinquency ( or any delinquency ) in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (WI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am being denied a checking account because this is on my ChexSystems report. It was discharged in bankruptcy in 2015 XXXX {$380.00} Please remove this from ChexSystems immediately.

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