milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-07-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Hello, My husband and I filed bankruptcy on XXXX/XXXX/2016 and were discharged on XXXX XXXX, 2016. However, XXXX XXXX and XXXX XXXX XXXX reported that we had an " Open Account '' and were behind in our payments. They never reported that we were in an active bankruptcy and that the accounts were included after being notified by the bankruptcy court and our attorney. However, I called Equifax and they repeatedly hung up on me and never changed or removed the information after sending them in our discharge paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX XXXX BK Docket # : XXXX File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : CHAPTER XXXX BANKRUPTCY DISCHARGED I spoke with several county administrators at the Federal court house and they do not verify information filed in their court system via emial, mail, phone or in person without id.

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 12-04-2015 about Consumer Loan (Vehicle loan) with DriveTime (SC).
Issue: Problems when you are unable to pay

Complaint: I am a person that has gotten a car loan wit DT Auto Credit. When my loan is a day late, they call me XXXX times in a row. As of right now, my loan payment was due on XXXX and they have called me a total of XXXX times since XXXX about my payment. Even when I tell them what day I am going to pay my payment, they proceed to call me sometimes a the next week to tell me that the information has been kicked out of their system. When I ask to speak to a manager or a supervisor, they deny my request. I have call upwards of XXXX times to attempt to get to a supervisor, and they either refuse to answer my calls and put me on hold or they refuse to give me a supervisor to talk with. This is an ongoing issue that stems from their model. It goes from if you situation or finances change, they do not help or negotiate with you to ensure that you are able to keep your vehicle, I have been told before that I did n't need to pay my rent but pay my car payment, I 've been threatened with having my vehicle repossessed when my payment is no more than five to ten days past due, and they only let you change your payment cycle once during the life time of the loan. The harassing phone calls are the worst as well as their rude customer service people from the number XXXX. They call at XXXX and as late as XXXX at night.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: i recently received and closely studied a copy of my credit report. To my dismay, it seems that the credit report currently shows an alleged credit inquiry 1.XX/XX/XXXX 2.XX/XX/XXXX by this company that is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately lawfully acquired permissible purpose from the one and only legally identified me and or any person and or entity with authority to render such permissible purpose. I understand that nobody should be allowed to put an inquiry on my credit file unless I authorize it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (AZ).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I applied for the XXXX Rapid Rewards Premier Business Credit Card from Chase. This was for my business account. I filled out all requested information. They also ran my personal credit. The " Fraud Operations Department '' then sent me a letter requesting a bunch of additional information including " PHYSICAL STREET ADDRESS FOR AUTHORIZING OFFICER '', " NAME OF YOUR COMPANY '', FEDERAL TAX IDENTIFICATION NUMBER '' AND " PROOF OF CURRENT BUSINESS PHYSICAL ADDRESS ''. 

All of this information was provided in the application. I was on vacation when the letter arrived and I had to call them to clarify the request. The help line was clearly individuals that do not live in the United States. I stated that I had previously provided them all of the requested information. I gathered proof of all requested information and took it to a Chase Bank Branch where they said I could fax it. They provided me several fax numbers and each time I would call, they provided a new fax number. I faxed it again multiple times and they said my application had expired but they could re-open it. I then faxed again and they claimed they had not received anything from me. After everything, they said that I had to apply again online.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwestern Health Management INC (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have contacted XXXX several times and asked them to update their reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Credit card () with WELLS FARGO & COMPANY (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: After reviewing my credit report and noticed a delinquent account that I do not recognize this account. It apparently is a result of identity theft and needs to be removed asap.

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 05/16/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax reports incorrectly that this account was late XXXX times at 30 days. Equifax fails to report accurate positive payment history but rather NR. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: During late XXXX and early XXXX 2015, I initiated XXXX different new auto loans with XXXX XXXX XXXX XXXX. The reason for the XXXX different loans was because I had the dealer re-write the loans to take advantage of discounts being offered. The final loan and the only valid loan was for the amount of {$32000.00} and was the only loan that should have lingered as " open '' on my credit report. I have been making payments on this loan and the current balance is much less. 
Meanwhile, the XXXX of the XXXX loans in the amount of {$34.00} continues to linger on my credit report and is reflected as " open ''. This amount is added together with the XXXX loan, which is valid, and added to the total amount I owe at the beginning of my credit report. 
I have contacted XXXX XXXX several times about this. Each time I am informed to wait another month for the matter to be resolved. I first reported this problem in XXXX so I have now waited 3 months. 
This is not only incorrect, but I am hampered from obtaining additional credit, because my total of monthly payments on XXXX open auto loans exceeds my income to monthly payment ratio. Also, since this is reflected on all XXXX credit reports, it appears to be a problem with XXXX XXXX reporting to the credit bureaus.. 



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Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I HAVE DISPUTED THIS ISSUE WITH EQUIFAX BEFORE AND THEY STILL LIST THIS INVALID ACCOUNT ON MY CREDIT REPORT. I JUST WANT THEM TO EITHER SHOW ME THE DOCUMENTS THEY SAY THEY USED TO VERIFY THIS INFORMATION OR FOLLOW THE LAW PER FCRA SEC 611 ( 5 ) ( A ) AND REMOVE THIS IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a account on my credit that shows charged off as bad debt when account was paid, I would like account updated correctly or removed from my credit report for inaccuracies

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 07-04-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have an account with XXXX XXXX, A Secured credit card, I paid the balance, and I have resolved the account and they still would not remove the tradeline. i called sent emails and contacted the company and I 'm not getting any positive responses. i have attached a letter from the collection company stating its paid and i have no debt with them so they should remove the tradeline.

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 10/26/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Collection agency is the third party. Thbis account was with XXXX XXXX XXXX, I called XXXX XXXX XXXX and they informed me that my account was deleted from XXXX reporting credit agencies, however Collection agency took this account and reported to my credit bureaus withot verifying the debt as required by FDCPS. I called and asked the collection agency to provide me some information to validate the debt and they have not validate it as yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
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 have sent Equifax 3 letters stating to validate and send proof of the following items : XXXX  account XXXX, XXXX XXXX account number XXXX, and XXXX XXXX XXXX account number XXXX. They have failed to due so. Each time the letters were sent certified and were received. Also they are reporting XXXX inquires that are not mine. ( my information was breached with their systems ) XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 've been waiting since XXXX XXXX for the state of Alabama to investigate a tax lien against me. The lien was for unpaid state income taxes in XXXX, which was not valid as a I was a Louisiana resident. Finally, the state 's taxpayer advocacy office provided me with the attached letter saying I did not owe the state and that the lien should be rescinded. I 've disputed the lien on my credit report for all XXXX bureaus, providing the letter from the state as proof, but the bureaus will not remove the item. I am seeking to have the lien completely removed. I 'm hoping this can be done soon, as I need to help my mom buy a car.

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 07-10-2015 about Debt collection (Credit card) with Mel S. Harris and Associates, LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: my mom got a letter in the mail from mel s harris assoicates she is XXXX years old and they threaten to close her bank acounts she paided off the debt of XXXX dollars all she gets is social security and a pension, She was paying XXXX a month, my mom has know saving account she lives paycheck to paycheck, The debt was with housebank for XXXX in 2004 they threatened to close her bank accounts she gets direct deposit thats why she paided the whole amount and they never served her with papers

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Consumer Loan (Vehicle loan) with LTD Financial Services, LP (CA).
Issue: Managing the loan or lease

Complaint: Last month, approx XXXX/XXXX/XXXX, I received a call from LTD Financial Services regarding a car loan from XXXX XXXX XXXX XXXX, which I have not paid on since XXXX. However, they claimed that I made a payment on this account back in XXXX XXXX of {$10.00}, which is ridiculous. Why would I pay {$10.00} on a $ 6k loan? Not to mention, I was laid off in XXXX XXXX and did n't have any money to pay anyone. I thought this account had fallen off of my credit because it has not been on my credit report for many years. Now, they are sending me letters and calling me to pay a {$6400.00} debt. Someone falsely made a payment on this account, which started the collection and timeline again and I am not acknowledging a debt that is almost 10 yrs old.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have a problem with Navient Student Loans. I applied for and received a XXXX XXXX XXXX discharge with XXXX, as per the rules of the Department of Education. <P/>Navient continues to show on my credit report as open, and when I call them the give me the story that my loans are still under review. They will not answer as to when they are going to transfer my loans to XXXX for discharge, and continue to accrue interest which shows up on my credit report lowering my credit score. <P/>My XXXX was discharged on XXXX/XXXX/2017, I have contacted them previously about this issue, and was told it would be resolved by the end of the month, that was in XXXX 2017. <P/>I contacted them on XXXX/XXXX/2017 about this issue and they continue to give me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (Medical debt) with Arbor Professional Solutions, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: All DEBTS PRIOR TO XXXX/XXXX/XXXX HAS BEEN DISCHARGED THRU MY CHAPTER XXXX BANKRUPCTY A CREDITOR NAMED ( XXXX XXXX CREDIT BUREAU ) IS REPORTING A COLLECTION WITH TOTAL OF XXXX WHICH SHOULD NOT HAVE BEEN ALLOWED TO APPEAR. THIS HAS BEEN PLACED ON CREDIT REPORT ILLEGALLY AS OF XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Managing the loan or lease

Complaint: Santander is reporting as if the loan is open and new this account has been closed since XX/XX/XXXX. The is falsified reporting on my credit that 's against the law. It report balance of XXXX as of XXXX/XXXX/XXXX. XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: I requested all fraud alerts and freezes to be removed from my credit report. And it was not.

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 10-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I never had XXXX I have had XXXX for the past 8 years and. An prove it. I communicated this to others XXXX and afni but they still wo n't remove.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Mortgage (FHA mortgage) with U.S. BANCORP (OH).
Issue: Credit decision / Underwriting

Complaint: Since my last complaint on XXXX/XXXX/2016 nothing has changed with US Bank. I was informed by my case manager XXXX XXXX that my file is STILL under review and it 's been well over XXXXXXXX months now or longer. I was told by several realtors which they underwent an advance search on my home that it 's being reconstructed my loan? I need ANSWERS now so I can move forward with this. I ca n't sell my home due to the foundation being severely cracked & the home is shifting nor will the XXXX pass due to this nor can I live here under these circumstances. Back in XXXX my home was appraised for $ XXXX? how is that possible with all these issues. I had many offers of $ XXXX to purchase this home however, according to my caseworker, they WILL NOT ACCEPT any offers less that $ XXXX. question is this, the home right next door to us which US Bank owned sold for $ XXXX last year so what is the problem with ours. it is no fault of ours that the house has all these issues. no one is willing to hear us out. I 've tried to contact my *New Case-manager* XXXX XXXX XXXX XXXX XXXX/XXXX/2016 all day I received a vm which was full. I talked with CSR *XXXX and no one had a clue what was going on only to be hung up on by XXXX, and XXXX were very nasty XXXX we did find a beautiful home that was perfect for us and we were pre-approved however, we ca n't have XXXX FHA loans. This house is not suited for us any longer, it 's WAY TO SMALL, AND, the issues have not gone away. WE NEED OUT. we need our names taken off the DEED so we can move forward and live a normal life and be happy in our new home! I regret having US Bank as our lender due to an abundance of negative feedback & I refuse to have this house refinanced bc it 's NOT WORTH IT! we ca n't walk away from this home or it will ruin our credit. we ca n't do a short sell or it will ruin our credit. we ca n't auction this home off or it will ruin our credit ... As you see in the photos, we LOST everything in the flood back in XXXX as a person with a heart of gold, I would n't want my worse enemy to go through what we did that night. it was a nightmare to see all of our belongings get ruined due to this flood. I hope this makes sense. I NEED ANSWERS ASAP. NOT 2 MONTHS FROM NOW, NOT 6 MONTHS FROM NOW. this file has been under review entirely to long

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit card () with Army and Air Force Exchange Service (MO).
Issue: Payoff process

Complaint: Military star card complaint. 
Background, The military star card allows you to purchase items through AAFES exchange stores and outlets with a decently low interest around 10 %. the same card also allows you to purchase military clothing with a 0 % interest. 
Lets say I spend XXXX to purchase military clothing in XX/XX/XXXX and purchase XXXX in the AAFES store. 
I do not want to pay interest so I pay XXXX to the military star card. Thinking since they must apply the XXXX to the highest interest. Well they do n't they end up applying around XXXX to the interest side and XXXX to the non interest side and this is my problem. XXXX are being ripped off because of this and they should n't be.

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 05/19/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: Wells Fargo Home Mortgage , Inc. was negligent with regard to the processing of my loan papers for a re-fi of the mortgage on my condominium. They dragged their feet for approximately 2 months with regard to processing the required paperwork and requesting the information needed to underwrite the loan. My loan officer never advised me there was a limitation on the days the agreed upon loan rate was locked in while Wells Fargo processed the loan. Late in the day on XXXX/XXXX/24, the day before the beginning of the long XXXX holiday weekend, for the XXXX time, my loan officer, called and advised that if I did not immediately agree pay approximately {$250.00}, I would have to start the agonizing paperwork submissions from the beginning and loose my locked loan rate. I had no choice but to pay the money. I am seeking recovery of the {$240.00} that I incurred as a result of Wells Fargo 's failure to process my loan papers in a reasonable manner as well as Wells Fargo 's failure to give me adequate notice that I was going to loose my loan lock rate as a result of that failure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation