milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My name is XXXX XXXX, and I am very upset, disappointed, frustrated and at my wits end. I am hoping to get some type of resolution regarding my complaint. First, let me start by saying if Im a consumer and you have my credit file and notice there arent any accounts pertaining to the inquiries or that they are fraudulent and I didnt authorize them, why is it that I must go through so much to have things removed from my personal credit file. The removal of these inquiries are very important to me b/c I cant acquire credit due to inquiries. Im just a mother thats trying to get a home for my kids and I. Attached you will find the order of my disputes that were sent to Equifax multiple times. I started my credit journey back in XX/XX/XXXX. I have mailed letters, I have called, I have faxed, I have disputed and disputed until I am blue in the face and havent had any luck. I made contact with Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have spoken to several representatives. Back on XX/XX/XXXX I spoke with a rep by the name of XXXX and he removed XXXX inquiries for me with a confirmation number of XXXX. I received the dispute results via email and was ecstatic and then I became upset when I noticed that some of the same inquiries were still listed. I was livid. So I called, disputed, called and disputed again. On XX/XX/XXXX I spoke with 2 reps and then finally a supervisor-named XXXX-rep ID XXXX who was very rude and did not try to assist me. I spent an hour and 37 minutes on the phone with her trying to plead my case and also make her aware that these inquiries that are on my report were made while in fact there was a fraud alert and security freeze on my file. She said I needed to file a police report, to me that makes absolutely y no sense at all. I have already reached out to the companies and b/c there arent any open accounts attached to my social security number they are unable to provide me with any type of letter to assist me with the removal of the inquiries. The only thing Id like is for the issue at hand to be resolved and the inquiries DELETED. Hopefully, this time around I will get some type of satisfaction. At this point I dont know what else to do, but Id like for this to go away. Thank you for your time and please see the attachments. XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with COLLECTIONS UNLIMITED OF TEXAS INC (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Agent called my workplace. Agent was patronizing and arrogant. I explained the only thing they needed to know is that I could not make a payment and Agent stated I needed to take care of this debt. I told the agent not to call me at my workplace anymore. She stated they could send letters and call me at my workplace. I again stated I did not want them to call my workplace again. She was rude aggressive. Call took place Wednesday XXXX/XXXX/2015 around XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 05/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (FL).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I applied for and received a  Barclay Cash Master Card i n or around   XXXX   XXXX  . I have a {$20000.00} credit balance approval. On   XXXX   XXXX   XXXX   I purchased a new automobile and charged {$5000.00} of this purchase on my  Barclay Cash Master Card. It was rejected. I called immedia tely from the dealership to  Barclay Master Card ... .... Barclay Master Card stated that I have been issued a new   card and the  one th at I attempted to use is not valid. I have only had this card for approximatel y five mon ths. I informed the  Barclay Master Card pho ne representative that I have never received a new card nor have I been notified that a new card had been issued to me. I was told by this Representative that the card I have in my possession was not valid. That terminated our conversation. I then used another credit card and my {$5000.00} was accepted The following day I called to make a complaint at  Barclay Cash Master Card.  My phone call was transmitted to a representative regarding my complaint. I explained the above situation to her. She informed me that when I placed my credit card from  Barclay Cash Master Card into the machine to charge my account,, the dealership did   not " follow through '' correctly.. I informed her that I did call on Friday   XXXX   XXXX   and I received a different explanation.. Her only response was that they have a record that I called.

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 03/25/2017 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (WA).
Issue: Managing the loan or lease

Complaint: Leased car through Toyota financial services. At end of lease, bought the vehicle. During the time between end of lease and processing of purchase, the account kept posting new payments. TFS told me twice on phone that I did n't need to make those payments. Now that account shows as 30-60 days past due on my credit report. TFS never answer phone ; automated system says account associated with my information is closed and for unforeseen reasons, no customer support person is available to answer my call. Need the negative information removed from credit report as I never delayed a payment except when TFS told me to not make one. Disputing with credit reporting agencies has yielded nothing either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (FL).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I just ran a credit report and found I have had a credit line with XXXX  for the last 11 months. 

I never applied for this. I also do not have this card. I never received anything. I had no idea this was even on my account. I would like this removed immediately. 

You can see it's never been used. I'm not sure what happened. Maybe this was a mistake, but I do not have it nor use it. It also affects my credit score and I need this card and effects 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 non-monetary relief
Consumer complaint received 07/21/2017 about Debt collection (Mortgage debt) with JPMORGAN CHASE & CO. (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Due to underemployment and XXXX XXXX XXXX and XXXX, my part-time work earnings could no longer pay my mortgage as of XX/XX/XXXX. I am seven months post-XXXX hearing and the judge on my case can not make a decision. I never dreamed I would be waiting this long for back pay owed me under XXXX after working full-time over 43 years of my life. I started collecting Social Security on XX/XX/XXXX which is helpful added to my part-time salary. XXXX is the debt collector for Chase who holds my mortgage. I applied and they denied me mortgage assistance this spring. I spoke with XXXX XXXX and participated in a lengthy financial counseling session with XXXX XXXX XXXX as advised. I also applied online and traveled to HUD onXX/XX/XXXX for a XXXX XXXX grant. While visiting my only surviving relative, XXXX mailed threatening paperwork for a Trial Period Plan demanding payment of {$1100.00} by XX/XX/XXXX or my home would proceed to foreclosure. I found it odd that XX/XX/XXXX would be a deadline date in this country, but I called XXXX that day after arriving home and no one answered or returned my call. When I spoke with XXXX, the newly assigned XXXX Relationship Mgr. days later, she was abusive, threatening to assign a sale date to my home if I did n't cooperate. She said, and I quote : " You 're not taking this seriously. '' I was crying and in XXXX XXXX. I explained that I had a HUD meeting for a grant to cure my mortgage loan coming up onXX/XX/XXXX and she said government programs take a very long time, I 've seen many denied and just remember, get the money in by XX/XX/XXXX or your home is for sale. I spoke with XXXX XXXX and they told me to report XXXX. She is NOT the Sheriff and is NOT in a position to threaten to sell my home.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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 been unable to get any feedback for my verification request from the credit reporting agency or the original creditor. I have submitted letters, requesting full validation of this debt. I have tried disputing this account with the company and the Experian credit reporting agency. I have not received a full validation of this debt in any way.

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 07-11-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MS).
Issue: Credit decision / Underwriting

Complaint: Also attached, please find mortgage invoices. Please note the alleged difference in interest rates, yet the monthly obligation remains unchanged as of this date. However, according to bank representatives, the rate was supposed to have been lowered several months ago after I completed the entire mortgage process and was awaiting closing, I was told that I did not qualify for a XXXX loan because my loan was a home equity, and not home mortgage. ( Please see attached email ) As you will note, nothing on my mortgage documents state that it is a home equity ( as I 've been told many times by mortgage representatives and stated on invoices ), but it clearly states home mortgage. Written notification of denial was not received until approximately 3 months after loan application was completed and complaint was filed with CFPD ( credit score in 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 08-01-2017 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: Account information incorrect

Complaint: Equifax Information Services, LLC. XXXX XXXX XXXX XXXX, GA XXXX has not reported my payments accurately for the month of XXXX 2017. The last reported balance is on XXXX-2017. The current balance is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (Auto debt) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I owed a debt for a motorcycle t o Midland Credit Management,  acct #  XXXX  that they acquired fro m   XXXX   XXXX   se veral years ago. 10 months ago, the account was settled and I requested the title for the motorcycle. They would not send it. After a couple months, they informed me I only needed to fax a letter requesting the title with the motorcycle VIN # and that I would get my title in 30 days. I did so on  XXXX   XXXX ,   XXXX  , and supplied a copy of the initial registration as well. I also had them change the address to send the title as well because I moved recently. After not receiving the title, I called about it and was told I did not send the letter. The story hanged several times while on the phone. Initially, they said they had received the letter, then I was told it was illegible, and finally that they never received it at all. They did, however, change my address on file to the one I requested in the letter, so obviously they received it and it was legible. They are still refusing to send me my title even though they have not held a lien on the vehicle in almost a year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-08-2017 about Mortgage (Conventional home mortgage) with FLAGSTAR BANK, FSB (CA).
Issue: Struggling to pay mortgage

Complaint: Hello, I 'm not sure if this is the way to handle this, but I 'm not sure what other resource to use. I had my mortgage with the charming Flagstar Bank. They took my home, and this is after me attempting four times to refinance it. They lost my documents every time, told me to resubmit, etc. etc. I did receive a settlement from them ( you ), twice. My question is, am I going to receive any other money? Because I lost over {$150000.00} ( cash ; the house was worth more! ) and I have only received back less  than approximately {$40000.00}. The most recent check number I have received is XXXX in the amount of {$1800.00}. The tracking number is XXXX. It was issued regarding the civil penalty fund third-party administrator regarding Flagstar Bank. I appreciate all that you have done so far, I really was n't expecting anything, and I think it 's horrible that they 've gotten away with what they have and they are still even allowed to be in business when all the rest of us have lost our home that we worked so hard to get. Frankly I think every little last dime they have should be given to consumers and they should be put out of business as a penalty. However, evidently things do n't work that way in America and the small guy, the consumer gest XXXX. That said, again, I appreciate every single thing you 've done. I would however like to know if this was the final payment or if there will be more disbursement in order to help me recover from what has been a horrible experience and which ruined my credit and of course lost my home. If you would please let me know as soon as possible I would really appreciate it. Thanks for being on the consumers side.

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 12/16/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint: i 've been paying for my vehicle ( XXXX XXXX XXXX ) since XXXX. I make my payments regularly each month but my balance was the same ( never moving ). i have records to show for it. the lender ( Santander Consumer ) fixed part of their mistake but now are trying to say that I owe the {$1000.00} from an internal audit they conducted almost two years ago. When i called they said it was from a missed payment almost two years ago and they are just noticing it. according to them I still owe {$9000.00} on a five year loan.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, XXXX  and Trans Union are ignoring my request to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 06/23/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Just wanted to make you aware of what Chase has been doing every now and then on their mortgage billing. Just this month I rec 'd the monthly bill due on XXXX/XXXX/16 and XXXX it as I always do on XXXX/XXXX/16. Chase rec 'd it on XXXX and yet sent out another duplicate billing notice I rec 'd today on XXXX. I 've complained to them before about this practice but it 's still occurring. It worries me because there are a lot of elderly people out there who may be getting these duplicate bills and paying them twice -- a little suspicious this happens from time to time.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I opened an account with XXXX ... however somehow they opened XXXX at the same time. Account # XXXX is the current account I am using and paying for. The second account XXXX was supposedly closed in XXXX, then supposedly credited and closed again in XXXX when I called the second time and sat on the phone for XXXX hours, after being accused of not paying my bills. In XXXX I received a notice from Stellar Recovery that I owed XXXX. I have a bankruptcy on my past and I 've been working to repair my credit. This situation will create problems for me and lower my rating at least until I get it resolved. I 'm very upset. They want me to call the same people who have not fixed this before and sit on the phone for yet another hour.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Experian is violating Section 609 ( a ) ( 1 ) ( A ) Accounts posted on my credit report without verifications of signed consumer contracts. 
UNDER FCRA, unverified accounts must be removed unless copies of verified proof is provided.

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 03/30/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My house was current on payments. Another person 's bankruptcy took my house, held it for about 30 months, then gave it back to me. During that time they did not make any payments but collected the rent. I attempted to refinance but my existing lender would not cooperate with escrow and my new loan fell apart. I have asked for a loan modification but Chase again refuses to cooperate ( no returned calls, etc ) Now Chase has filed a notice of foreclosure sale but did not post the house and did not mail anything to me. I can not catch up on all the back payments that were started by the bankruptcy that was not my doing. All I want is to keep my house after working out some kind of loan modification with Chase. I feel this action by Chase may be due to me having a XXXX name or that I am a woman owning the house alone. 
This is urgent as the foreclosure sale is scheduled for XXXX XXXX, 2015

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I had reported to experian that I had reports on my credit report that was not accurate and was doubles and so on. They have yet fixed it or given me any response other than XXXX out of several. I had reported these issues more than thirty days and they have failed to fix it. I am trying to buy a home and this is hindering me from doing so.They are over XXXX points off from the other XXXX. 
My name is XXXX XXXX XXXX social # XXXX DOB XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A medical Debt owed to XXXX in the original amount of {$930.00} after comprehensive insurance was incurred on XX/XX/XXXX. This debt was paid in full to XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TN XXXX on XX/XX/XXXX as a part of XXXX medical bills paid in full that day to XXXX. During XX/XX/XXXX, Attorney XXXX XXXX, representing XXXX, on her letterhead from the exact address as XXXX, sent a letter to me demanding payment of the same debt, same creditor, incurred on same date, in the same amount of {$930.00}. Said letter offered me the opportunity to pay to avoid being sued. My husband immediately negotiated a settlement of the debt in the amount of {$650.00} assuming this was a different medical bill. Upon reviewing our financial paperwork before filing our taxes, I discovered that he had in fact paid the same bill on two separate occasions, once onXX/XX/XXXX and again on XX/XX/XXXX. It is the exact same debt and XXXX, through the efforts of Attorney XXXX, who, in full possession of the complete file and collection data and spreadsheets, knowingly and maliciously collected the money twice. They are now refusing any of our attempts to contact them and settle this matter.

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