milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/13/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was a student at XXXX XXXX XXXX from XXXX of XXXX to XXXX XXXX. A school official applied for a XXXX XXXX XXXX ( XXXX ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XXXX XXXX to XXXX XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( XXXX XXXX XXXX ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX XXXX the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX Bank. The representative from XXXX further advised me that XXXX Bank was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX, XXXX, Equifax , and XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I submitted a dispute On XXXX XXXX, 2016 for some Tax liens that are reporting on my credit report. I asked for verification of these accounts since I have no knowledge of them. The accounts came back verified. I then wrote a letter ( notarized ) to the address and Court the credit report has on file. Well the Court has finally responded to my letter and its 100 % clear they did not Verify anything with Equifax. Under the Fair Credit reporting act Everything on your credit report must be 100 % verifiable and accurate. I have attached copy of the credit report Public record section where I ( Circled ) the case numbers and the Address to where I wrote court letter to, also attached is the notarized letter I wrote to the court and the Response Letter from XXXX County Register of Deeds Office that they have no records of these Tax liens nor do they report anything with any credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: wells fargo has always charged me overdraft fees when I go to ask them to inform me they always say that I overdraw my account. Ive wanted to close it but they say they charge.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Problems caused by my funds being low

Complaint: Over the course of the past 2 weeks I have been dealing with fraud on my account with Wells Fargo. There have been XXXX major claims filed and each time I am hearing that it may be up to 10 days before it is resolved. Before the first issue is resolved, another fraudulent activity has shown up. I can not even get back to XXXX. I ca n't close the account because I cant get my money out. I have no way to live on a daily basis because I can not get my money back to pay bills, the mortgage, put gas in my car, or buy groceries for my family. Wells Fargo seems intent on following protocol and letting my family and me suffer. I am not getting anywhere talking to them and I am just a series of case numbers to them. All of this time I am getting overdraft fees and other fees related to someone else draining my account! It does not matter that they say they will take care of it in less than 10 days because right now I am drowning!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/26/2017 about Debt collection (Medical debt) with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I pay company they have not remove {$30.00}

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: THEY ARE A FRAUD.. 

THEY TAKE INFO > > NEVER GIVE YOU YOUR REPORT. 


I filled out all my information with my SS number,, because you said XXXX was safe and federally covered.. 

it stops,,, after all information, then says click on next,, ( to get those FREE REPORTS ) there is no NEXT BUTTON I believe they are a hoax and have stolen my identity.

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 03-02-2018 about Debt collection (I do not know) with Penn Credit Corporation (NH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX, I received a " Notice of Collection '' from PennCredit Corporation in XXXX PA advising me that the State of New Jersey had referred collection of my delinquent account to their agency. The notice contains the following information : DEPARTMENT, COMM AFF - CODES & STANDARDS, SERVICE DATE - XX/XX/XXXX, BALANCE {$5600.00}. 
There is a case number and an ID number which I am not including because it may pertain to someone's personal information. 
The notice was addressed to my address, to someone who has a different first name than mine, but who has the same last name as my maiden name. I have not used my maiden name since I got married 32 years ago, I was not New Jersey in XX/XX/XXXX or any other time, I do not own property in New Jersey and I have never done any business with the state of New Jersey. The only similarity between me and the owner of this debt is a last name that has never at any time been associated with my address. This company is attempting to make a connection between the owner of this debt and a thread of information they located to attach the debt to someone. 
The have misused my personal information as it is not relevant to their purposes. It is through practices like this that people have their credit destroyed and it can take years to get it corrected.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Struggling to pay mortgage

Complaint: i have attempted to submit request for modification several times but my documents were lost, or claimed not received. After my financial situation worsened I called lender and requested short sale, sent all required documents via fax numerous times, but instead of contacting me or my real estate agent for any missing documents, Nationstar/ aka XXXX just sent me Notice of foreclosure sale scheduled in less than 30 days I keep calling but I only get voicemails, no live rep to talk to, fax line always busy, unable to refax my request and all paperwork for short sale It seems they literally do NOT answer phones, have non working fax numbers so consumers like me are facing foreclosure Please investigate

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

Complaint: Equifax Information System is reporting inaccurate information on my credit file. The inaccurate information has been furnished to Equifax by XXXX. The inaccurate information is the FIRST DATE OF DELIQUENCY ( XX/XX/2010 )

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (MD).
Issue: Closing on a mortgage

Complaint: We have been trying to close on this mortgage since XX/XX/17.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Problem with fraud alerts or security freezes

Complaint: Our Credit was compromised / stolen during the XX/XX/XXXX-XX/XX/2017 Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: For some reason Experian is reporting my XXXX score as XXXX which is very low and reserved for consumers with bad reporting to their credit. 
My XXXX XXXX score is XXXX. 
My XXXX XXXX score is XXXX. 
I called Experian to get an explanation and I was not able to obtain XXXX. Their wrong XXXX score has resulted in me being denied XXXX XXXX card, since they use Experian credit report. 
My credit is excellent and I am having really hard time getting explanation from Experian as to why is my XXXX with them so low, while it 's very high with other XXXX bureaus. I called and sent them a complaint letter but it is not resolved or explained. 

Please help. 

Thanks, 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 01-02-2017 about Consumer Loan (Vehicle loan) with SECURITY NATIONAL AUTOMOTIVE ACCEPTANCE CORP (HI).
Issue: Managing the loan or lease

Complaint: I paid off my vehicle loan with SNAAC, however the very last payment history that was sent to me along with my paid in full letter, reflects very obviously inaccurate data and much more was owed back to me in overage than {$88.00} as can be calculated from the payment history sheet. The principle balance owed and the principle balanced paid have a difference of {$1400.00}, yet only an {$88.00} overage is reported and was paid. Also on the principle balance side of the sheet on XXXX2016 the principle owed reflects XXXX then somehow jumps to {$1600.00} on XXXX/XXXX/2016. Which implies to me that even more than just {$1400.00} was taken from me in overages. Also there are multiple charges marked " other '' that have not been explained to me, my online account has not been updated in months even upon request, and my phone calls have not been returned from customer service about my complaints.

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 11-12-2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: During an application for a car loan, I discovered that there were many errors in my Credit Reports with all three credit bureaus ( Equifax Information Services , LLC ; XXXX ; and XXXX XXXX XXXX ). I respectfully sent a request letter to them to investigate, delete, and forward me the names and phone others of all the people they contact, any documentation as well as a new Credit Report within 30 days per Fair Debt Collection Practices Act ( FDCPA ). 

To my dismay and surprise, I have not received any documentation evidence as stated in all my XXXX letters I sent to all three credit bureaus ( Equifax Information Services , LLC ; XXXX ; and XXXX XXXX XXXX ). 
I feel it is an intentional action by these credit bureaus to gain from the errors in other peoples credit reports so that we as consumers can pay for very high interest loans as I am paying now. Per Fair Debt Collection Practices Act ( FDCPA ) reuglations they are supposed to investigate any errors and notify me if these have been done. 
I am about to file a law suit against all the credit bureaus ( Equifax Information Services , LLC ; XXXX ; and XXXX XXXX XXXX ) ; and before I do that I report it to CFPD.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Consumer Loan (Installment loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CO).
Issue: Managing the loan or lease

Complaint: After 20 years with USAA, I am suing this piece of XXXX company for BAD FAITH, BREACH OF CONTRACT AND UNETHICAL BUSINESS PRACTICES. 
Never late with any payments, never had any claims on any house or vehicle in 20 years. 
Directed USAA to place my secondary car into " storage status '' in XX/XX/XXXX as it was replaced by my primary car. 
This conversation was recorded by USAA. USAA continued to bill my auto policy at FULL COVERAGE for over 5 years until it was sold in XX/XX/XXXX. I asked for a refund due to USAA 's negligence to place the car into " storage status ''. They refuse. 
After making no changes to my policy for years, I spoke with an agent in XX/XX/XXXX to drop a driver from my policy. During that recorded phone conversation, the agent persuaded me to drop the comp/collision of my son 's car and to either drop or reduce the comp/collision on my primary vehicle. I reluctantly complied due to the persistence of the agent, raising my deductible from {$500.00} to {$1000.00}. 
Two weeks after being persuaded to make this change, my car was vandalized, causing nearly {$2500.00} worth of damage. I immediately provided the Sheriff 's report to USAA. The assigned agent directed me to either take the car to USAA 's preferred repair providers or to choose a repair shop closer to my home. The shops that USAA recommended have horrendous reviews, so I obtained four estimates from shops that have excellent ratings and reviews. 
After repeatedly calling my assigned agent without being able to reach him and without any contact from USAA, I finally asked for a supervisor. The supervisor stated my claim had been closed. 
The claim was reopened and the supervisor stated that I could not take the car to a shop of my choosing, contradicting what the agent directed me to do. 
Due to USAA 's agent persuading me to change the comp/collision deductible two weeks prior to it being vandalized, I requested that the deductible either be reduced to the original {$500.00} or to waive it completely as the damage was through no fault of my own. USAA refuses to do either. I asked to escalate this issue to the Underwriters to have the deductible waived or reduced. The request was refused. 
Three days after speaking with supervisor XXXX, I received a notice from USAA that my auto policy rates would be increasing because of the vandalism claim on my vehicle. 
The horrendous customer " service '', refusal to investigate the overcharges related to my vehicle that should have been on " storage status '', the agent persuading me to change the comp/collision deductible, refusal to honor the original deductible or waive the deductible, and then raising my rates due to this vandalism incident are disgusting examples of how NOT to treat a long time customer.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (IA).
Issue: Taking out the loan or lease

Complaint: Santander Consumer XXXX has had my information for a warranty refund for over 2 months and even gave me the amount of refund on my cars warranty left that I traded. 
XXXX they even know the amount I 'm suppose to get which {$1000.00} and I was told XXXX weeks ago + that I would get the refund in 7-10 days. Now they are saying 8-10 weeks. This is unacceptable. Their customer service is very poor. I should not take over 2 months for me to get my refund when they got all the information from the car dealer that sold the vehicle to me over 3 months ago. I will never finance a vehicle through them ever again again.

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. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax leaked my personal information to hackers. This is proof that the company is incompetent and should NOT be allowed to store people 's sensitive information. I want Equifax to delete ALL of my data.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Closing on a mortgage

Complaint: Bank of America,  N.A., Fraudulent collection and foreclosure practices on secured property. BANK OF AMERICA HA S NO LEGAL STANDING AS THE LOAN WAS WENT COUNTRY WIDE HOME LOANS and PAID OFF.     In a hasten attempt to remove liability, with letter dated  XXXX   XXXX ,    2017, B ank of America has purportedly transferred an allege account via Media, Wire or Federal Mail System to   XXXX   XXXX   XXXX   XXXX   to prevent liability.     In addition, hired a Third-Party Attorney ESQ, Without Standing / Interest and without first-hand knowledge named  XXXX   XXXX , "  XXXX   XXXX  now enjoined with Bank of America,  N.A.  at  XXXX  Email :  XXXX  XXXX  XXXX  on  XXXX   XXXX ,  2017    committed Trespass on Secured property under perfected interest and filing #  XXXX  and  XXXX , and  XXXX  associated with  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  WA  XXXX . In conjunction with no real presentment of the Original Note but in fact alleged copies of a Note.     A  Request is  now being made to meet to review said Original Documents f rom Country-Wide Home l oans that was not sold.     In pursuant to now possible Securities fraud etc. per information obtained from  XXXX   XXXX   ESQ.      DUE NOTICE IS HEREBY GIVEN, There is now a claim for COPYRIGHTS Infringement validations from  XXXX   XXXX  enjoined with  XXXX   XXXX  enjoined with Bank of America N.A. who has sent multiple letters based on this CFPB report. Each violation brings at a minimum  500.000.00  per incident/violation. All methods to protect Secured interest is now in effect due to "   Trespass '' pursuant to Uniform Commercial Code.
Request in person meeting here in Washington State   with Bank of America and its held liable agents with affidavit all documents that were allegedly not filed such as " any ''  1009 e tc. and first hand knowledge.     This is an attempt to resolve through clarity of appropriate documentation.

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 08/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent a certified letter to all XXXX credit agencies about deleting hard inquiries. Several hard inquiries on my reports were not requested by me. TransUnion, XXXX and XXXX are refusing to delete them. There are only a few inquiries on my report that are legit inquiries. Please remove the information off my 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 explanation
Consumer complaint received 04-08-2015 about Debt collection (Medical) with FirstPoint Collection Resources (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This debt company under the name First Point, they are trying to collect from me the amount of {$75.00} from the XXXX XXXX XXXX with the Patient account number XXXX. 

This was paid in a full total amount of {$210.00} as a co-payment with the check number XXXX and not a down payment before the admission for the XXXX and the insurance medical company covered the rest, There was no extra balance pending to pay. 

Paid in an Full Amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XX/XX/XXXX, the XXXX XXXX XXXX company in XXXX XXXX, MO placed a collection on my credit report stating that I owe {$480.00} from XX/XX/XXXX. This company called me XXXX and when I asked for documentation about the collection, they decided to place this collection on my credit report without further notification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (MI).
Issue: Adding money

Complaint: My Direct deposit is not showing up I cant get in touch with anyone through Rushcard this has been a big hassle for me all their nimbers are busy constantly

Company response to consumer: Closed with monetary relief