milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2017 about Debt collection (I do not know) with GCFS, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was alerted by the credit bureau that a Loan inquiry was submitted in my name when I reviewed my credit report I also noticed there was another credit inquiry on my credit report from the same company which I never gave permission to do as a matter of fact never spoke to anyone at Greater California Financial Services aka GCFS Inc until XX/XX/XXXX to question them about this fraudulent activity. XXXX from GCFS told me they can do this because they are a collection agency, I said not without my permission. I also found a Judgement on my credit report from XXXX filed XXXX XXXX, XXXX in the amount of {$4300.00} and just received a letter XX/XX/XXXX that I owe them over {$11000.00}. For one I was never served with any papers about any of this, to go to court on, so I went to XXXX XXXX records I saw a thick folder of papers I 've never seen in my life that this company has gone to court against me, with liens against me, including a fee waiver so it cost them nothing to file papers against me, a collection company with no money to pay the filing fee and the court grants it. Sounds illegal all the way around. They took over {$1300.00} XX/XX/XXXX from my credit union without my permission somehow, XXXX XXXX XXXX XXXX XXXX in XXXX CA, when I called to question this, the bank said GCFS sent us a letter there was n't anything they can do. GCFS has been taking money out of that account ever since XX/XX/XXXX, but the judgment from them was XX/XX/XXXX and I do n't know what for but every so often money is given to GCFS, I do n't understand this and do n't know how they can do this and the bank just keeps giving it to them. I 've reported them to the police to the Office of Attorney General, XXXX, I 've put a fraud alert on all XXXX credit bureaus but its GCFS a company that is doing the Fraudulent activity not a person doing the identity theft GCFS is using my name to put in loan inquiries without my permission never would I give them permission for any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: Hello, I am filing a complaint against Bank of America. I signed up for a small business checking account on XXXX XXXX, 2015. I did this in branch at their XXXX XXXX, XXXX branch. The personal small business banker I dealt with was as follows : XXXX XXXX. His email address is as follows : XXXXXXXXXXXX. 
I also personally dealt with the banking manager, whose first name is XXXX. Neither seemed interested in helping me. They did not respond to emails, and just basically blew me off. 

I met all the requirements of the promotion, including a set amount of spend on a newly opened credit card, a certain amount of bill pays, etc. 

Here it is seven months later, and I feel that Bank of America is doing anything they can to avoid paying the bonus. I have contacted them by phone, email, online chat, and have even written letters. I have personally communicated with the XXXX employees listed above, who had set up the account. I do n't know if they are intentionally not following through on the requirements of the bonus, or did not fail to set it up properly on XXXX XXXX. But waiting 7 + months for a bonus to post that was supposed to post in 2 or 3 seems shady. I was told by a consumer advocate that the CFPB is the one to go to on this issue. I am hopeful that you will be able to get Bank of America to finally post my bonus of {$1000.00}. Thanks so much, XXXX XXXX. I will attach documents for you. Please contact me at ( XXXX ) XXXX or XXXXXXXXXXXX if you need any more information.

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 monetary relief
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have been trying to contact Equifax to request my free credit report. But they refuse to provide me with my granted free report. I believe they have some wrong information on my credit report but how can I dispute it without even being able to get access to my report?

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX 's client XXXX XXXX is an identity theft victim. Her information was used without her consent to apply for credit. While these applications did not yield accounts the fraudulent related inquires were found on the credit reports. Previously we sent official disputes to the creditors however two are still being reported to the credit bureau XXXX. A recent XXXX credit report shows that inquiries with XXXX and Kohl 's? XXXX XXXX are still being reported AFTER official disputes were provided to both of those banks disputing the applications as fraud related. This is now a violation of her federal consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Equifax- On or aboutXX/XX/XXXX I called Equifax after receiving my credit report. There are inquiries that i din not give my consent for. I asked them to remove the fraudulent inquiries and they refused. This is negatively impacting my credit score. They are as followed : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Consumer Loan (Installment loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Managing the loan or lease

Complaint: In 2007 I took out an equity loan with Bank of America for {$25.00}, XXXX. The original documents for the loan have been misplaced and after 9 years I inquired on the loan because it had been so long and figured I was almost done paying the loan off. I am a senior and currently on XXXX so I live on a very limited income. When I inquired on the loan I was informed that the loan would not be paid off until the year XXXX and it is my belief that I am being scammed. I was informed by the agent that out of my monthly payments only cents are going towards the principle of the loan. I asked for copies of all documentation to be sent to me because I wanted to see how much I have paid and how much has gone to the principle. I was not sent the information. I was sent what looks like an agreement that has my signature on a back page that is not attached to the agreement. I will not be alive in XXXX and this loan will continue to exist. I believe Bank of America purposely preys on senior citizens and I do not believe I have not paid anything towards this loan in the last 9 years.

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 03/21/2015 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (PA).
Issue: Credit decision / Underwriting

Complaint: XX/XX/XXXX my house in XXXX, Va was sold in a short sale with GMAC which covered the mortgage and XXXX mortgage. GMAC transferred the XXXX mortgage to Ocwen Loan Servicing when it was not owed. Ocwen after researching said I did not owe it and to disregard and letters in the mail until they enter info. They never took it off my credit report. It is still on there as an adverse account. The " loan '' was then transferred to XXXX XXXX whose loan administration after 3 months research found I did n't owe it either as it was paid off in short sale. XXXX has removed the loan from my credit report but can not remove Ocwen. I see there are other people having the same problem and many other problems with Ocwen. Ocwen is currently on alert and being looked into by the government and law suits are pending approval. I do not want to do a lawsuit and just would like it off my credit report since it never should have been there since the beginning with GMAC. The attorney general of VA sent me a check for XXXX and an internal audit sent XXXX for the illegal handling of the sale and loan by GMAC. It in no way made up for the many problems and financial issues and nothing should have been transferred to Ocwen. When you call Ocwen they are from XXXX and can not understand issues because they do n't speak very good English and do n't understand it either, they read from a script and never understand the problem or they just hang up on you. They had agreed to remove it but as of now it is still on there. Talked to them about this matter XX/XX/XXXX. 
Please help me if you can It has been too long and my stress level is out the roof. Anything you can help me with would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Deposits and withdrawals

Complaint: Santander Bank held my deposit even after the funds cleared the bank on which the funds were drawn ( which was my business account with XXXX ). As a result the payment of my mortgage with Santandar will be late. I expect Santander to charge me a late fee and may report my late payment to the credit agencies. I complained about the impending late fee and the credit agency report to a customer service supervisor, XXXX, at the Santander phone center in Rhode Island. XXXX said that Santander 's policy is to hold deposits up to 4 business days before crediting the money to the depositors account even if the funds have cleared the source bank account. ( XXXX refused to give her last name. ) The deposit to Santander was made XX/XX/2017 and cleared XXXX XX/XX/2017. The mortgage is due XX/XX/2017. On XX/XX/2017 the on-line Standander statement reported that the funds to make the mortgage payment were " unavailable. ''

Company response to consumer: Closed
Consumer complaint received 02-11-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Using a debit or ATM card

Complaint: I had my debit card information stolen from me on XXXX XXXX, 2016. I had XXXX fraudulent charges made on my account. Charge XXXX : {$48.00} - XXXX XXXX. Charge XXXX : {$500.00} - ATM. Charge XXXX : {$500.00} - ATM. I have been a customer of Chase for 16 years & have never taken {$500.00} out from an ATM. They have refunded the {$48.00} charge & agreed it was fraudulent but they say the XXXX {$500.00} charges are correct and wo n't refund them. They wo n't even look at the video footage from the atm. It happened at XXXX XXXX XXXX, XXXX, Terminal XXXX at XXXX & XXXX. They say because of the chip in the card, it is impossible. If the video footage shows me, I will pay the {$1000.00}. But it wo n't show me. I had the police officer who took my report call the bank and request the footage and got no where. Why would Chase refund XXXX of the fraudulent charges but not all XXXX? I made a police report with the XXXX Police : XXXX XXXX # XXXX Report : XXXX. XXXX Police Report : XXXX. Both departments said they would n't investigate the issue. Every time I call Chase, they tell me a different set of instructions to follow to get the video footage. Most Chase employees told me I would need to get a subpoena to get the footage, which the police said I would n't be able to get. Why would Chase treat a customer of 16 years like this? I have also just received a letter from Chase telling me to pay the money back or they will close my account and report the debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello, I do n't understand the problem with transunion not wanting to help people who have been victims of identity theft and fraud. There 's an alert on my credit from all XXXX bureaus. However transunion is the only one who has fraudulent inquiries on my report. I 've disputed them and have had no help or anything from transunion. They 've told me to inquiries have to stay on my reports for 2 years, I informed them that these were unauthorized and fraud, the representative name XXXX still insisted that they have to stay on for 2 years. My question to transunion was why should I suffer from something i did not do or authorize. It just is n't right and never will be. These people at these credit bureaus are really evil and not helpful at all they 're all about ruining people 's lives and credit for money!!!!!! I have attached the inquiries that are not mine and are fraudulent!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Checking or savings account (Savings account) with ALLY FINANCIAL INC. (FL).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I can not adequately express how disappointed I am in  Ally Bank and my first and only encounter with their establishment. I signed up for an online savings account. Confirmed the trial transactions to make the transfers - specifically designated that the funds were to come from my Money Market account. Then I find that the transfers did not go through, that my newly acquired Ally account was permanently suspended (   XXXX / XXXX /   17 ), t hat they had tried to transfer out of the wrong account and had then charged that account a total of {$66.00} for  XXXX  transactions supposedly for insufficient funds. If they had taken the transfer from the correct account, as designated, they would have found that there was more than enough to cover the transfer. I am out {$66.00} with apparently no recourse.

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 08/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Negative inquiry was added to my credit report by a debt collection company for a debt older 4 years in California. Did not receive notice from this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-06-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Credit card protection / Debt protection

Complaint: XX/XX/XXXX, I made a credit card payment to BOA. Then, my bank kept calling saying I had a negative balance and it involved paying BOA. I asked if BOA was finally paid. They said yes. I called BOA and confirmed this. BOA said yes, they were paid. Then, I went into my bank around XX/XX/XXXX, when it was, again, confirmed that BOA was paid. Today, I tried to make my monthly payment, and BOA said I was overdue, and never made a payment. I told them I will not be paying them until this issue is resolved. Also, in the beginning of the month when this credit issue started, I called the police and told them something was wrong with my banking.

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 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: There are addresses on my report that should not be there. my Current Address is XXXX XXXX XXXX XXXX XXXX, Tx XXXX All Other Addresses Should be Removed

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (IL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied for an investment property mortgage with Quicken loans. I was told by the loan application processor that I had a range of options for determining my interest rate by selecting points that I paid or received. I selected to receive  XXXX  points credit in exchange for accepting the highest interest rate on the spectrum. When my interest rate lock came through, it listed me receiving  XXXX  points instead of the  XXXX  I was told I would receive. When the disclosure papers came through, it had me PAYING  XXXX  points with the still highest interest rate. I was told by  two different people at Quicken that it was just a simple error and they would correc t it. They took off the  XXXX  points, but offered me no credits. I then spoke to the  Director of Mortgage Banking at Quicken who ( verbally ) told  me that they could n't honor the  XXXX  points because it was an investment property but he would issue me a credit in the amount of {$1400.00} to pay application and processing fees. On the day of closing,  Quicken st onewalled my attorney and the title company about providing final closing numbers and delayed the closing by  three hours. By  the time the final numbers came in, the credit they issued was {$1100.00}, not {$1400.00}, or even the amount that was guaranteed in my rate lock paperwork which is now archived and inaccessible to me. The original amount I was told I would receive in credits was {$3700.00}, the points I was told I would be credited wa s ~ {$1 400.00} and the credit I was told I would receive was {$1400.00}. The person at  Quicken who submitted the final numbers did n't know anything about any credits beyond the {$1100.00} and the Director of Mortgage Banking did not return my call when I tried to get clarification at closing. Quicken loans acted dishonestly and in bad faith   throughout this process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: THIS COMPANY DISCOVERED A BREACH OF PERSONAL INFORMATION ON XX/XX/XXXX AND DID NOT REPORT IT TO THE PUBLIC UNTIL XX/XX/XXXX. MEANWHILE THERE IS SOMEONE PUTTING INQUIRES ON ALL MY CREDIT REPORTS BECAUSE THEY HAVE MY INFORMATION AND THE COMPANY HAS FAILED TO INFORM ME OR ANYONE OF THAT MATTER. IT TOOK 6 WEEKS FOR MYSELF AND OTHER CONSUMERS TO FIND OUT, WHILE IN THE MEANTIME CREDIT REPORTS AND SCORES ARE BEING AFFECTED. ON TOP OF THAT IN THEIR FINDINGS 3 EXECUTIVES DECIDE TO SELL THEIR SHARE OF THE COMPANY AND PROTECT THEMSELVES AND OUR PERSONAL INFORMATION HAS BEEN COMPROMISED. I ALSO FOUND A NAME ON MY CREDIT REPORT AS A COBORROWER OF WHICH I HAVE NO KNOWLEDGE OF BY THE NAME OF XXXX XXXX. PLEASE REMOVE THIS NAME FROM MY FILE AS WELL.THESE UNAUTHORIZED INQUIRIES SHOULD BE REMOVED FROM ALL THREE OF MY CONSUMER REPORTS IMMEDIATELY - 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 XXXX XXXXXXXX ; XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX OF MO ; 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 ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX I ; XXXX  ; XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX CA.

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 12/23/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I checked my credit report and a new address appears there. I have not moved I reside in XXXX, NJ the new address that shows is XXXX XXXX XXXX XXXX, XXXX XXXX. I have never lived there and I have never used this address. I still reside at my XXXX, NJ address.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 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: Account status incorrect

Complaint: I have duplicate XXXX XXXX accounts reporting on my equifax and XXXX reports, these have been deleted by XXXX XXXX with XXXX per XXXX XXXX request but are still showing on other XXXX credit reporting agencies, please delete. I XXXX longer liable for these accounts and do not have a contract with XXXX XXXX, attached deleted records and you will see the XXXX XXXX account numbers also. XXXX XXXX account numbers are attached also. Please delete XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting an unknown account XXXX/unknown company is reporting information on my credit file. I have notified them that this is not my account. I have also asked them to send me proof that I am obligated to pay them for this debt if they are suggesting that the debt is mine. I have not received any proof that they own this debt or that I am obligated to pay them. This account needs to be remove from my credit file. This is not my debt. This company have violated the FCRA by not providing me with proof that I am obligated to pay them and reporting a debt that do not belong to me.

Company response to consumer: Closed with explanation