milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-03-2016 about Credit reporting () with Informative Research (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX XXXX XXXX {$220000.00} Filed XXXX This is straight from my credit report I have never had a bankruptcy in my life yet this Tax lien/Bankruptcy is showing on my credit report and they will not remove it. It is stopping me from refinancing even thought the title company reported that it does not or never has belonged to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Debt collection (Non-federal student loan) with TRANSWORLD SYSTEMS INC (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was contacted by Trandworld Systems attempting to collect a debt that was being collected by another collections agency. When I was contacted by them the amount they said I owed was more than the original debt. I sent them a letter advising them that the debt was already being collected by another company, provided them proof of the other company collecting the debt, and that they had increased the amount I owed. I asked them to cease attempts on collecting this debt. I have not heard from them since but they have now added the collection to my consumer report and it is now showing in collections on all XXXX bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: Capital One Auto Finance allowed someone to use my information and obtain an automobile loan in my name by using my correct personal information that was obtained as a result of identity theft. I have tried to communicate with Capital One Auto Finance that this was a fraudulent account, but they have refused to hear me and have continued to attempt to force me to pay the fraudulent loan amount. I have never done business with Capital One Auto Finance, but they have plainly told me that it was my fault that my identity was compromised and that I was responsible for paying them the fraudulent loan back. They have refused to accept my police report and identity theft affidavit and told me they would continue to ruin my credit until I paid them back the fraudulent loan balance. They continue to attempt to collect a debt that I have made them aware of did not belong to me. I have contacted them and made them aware that this debt was as the result of identity theft, and they have refused to stop trying to collect the debt and continue to report this fraudulent account against my name and social security number. They have further more been provided a copy of my police report, identity theft affidavit and they continue to ignore the fact that this account does not belong to me. When I have attempted to speak to this company they have been very disrespectful to me and have tried to force me to pay a debt that does not belong to me. I feel that this company is trying to extort money from me over a fraudulent debt. My personal information was compromised in 2010 and every since then I have had people open all sorts of accounts in my name using my correct personal information that was obtained from the identity theft. This debt that they are trying to collect from me is absolutely not mine and they have defamed my character by listing and continuing to list this fraudulent information against me. A part of defaming my character they are also continuing to violate the FCRA Section 605B by refusing to remove this information they know to be fraudulent from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (NY).
Issue: Shopping for a loan or lease

Complaint: In XX/XX/XXXX I purchased a XXXX with over XXXX miles on it from XXXX, a used car dealership located on XXXX in XXXX, NY. It had a high monthly payment, but I needed a car to get to and from a part time XXXX position and was credit was not great so I signed. The beginning of the XXXX month the called stopped on an expressway ... if I did not pull over quickly, I would have been in a horrible accident. 
It was towed by this XXXX and I was told it needed a belt and alternator. They fixed it with no charge to me. Next, I am informed that XXXX went our of business and that XXXX ( located on XXXX, in XXXX., NY was now taking over for them. Now they told me I needed an oil change, some filter, etc and I paid {$160.00} for this since these items were not under warranty.This same thing happened again twice at about 4 months ; car was towed again to the XXXX since they took over for the defunct XXXX. I know it was electrical, but XXXX would not admit to it. Whatever they did to my car and would not admit, the car was OK ... no more stopping and shutting off. By XX/XX/XXXX I needed a new battery and paid over {$200.00} for it. This XXXX has ( 3 ) batteries, 1-in front ; l in the rear ( trunk ) and one running along the undercarriage which I was never informed about. Next by our first storm, I needed tires, all four for this car. By this time, I had this vehicle for about 7 months. 

If I keep this car ( on a 5 year payment plan for $ XXXX ), I would be paying at the end of 5 years, {$16.00}, XXXX for a car which I found out is only worth at max. is {$3300.00} On XX/XX/XXXX, this vehicle was rear ended by a snow plow ... the driver had no insurance for Business Use! Credit Acceptance wanted it fixed by who ever. I will have to take this truck and driver to court.

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 12-12-2016 about Consumer Loan (Personal line of credit) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Account terms and changes

Complaint: XXXX XXXX payment paid XXXX/XXXX/16. Santander reports payment XXXX59 days past due. Payment came out my account XXXX/XXXX/16. Santander reports no payment for XXXX in the historical account information section and XXXX59 days past due is the negative information reported. In addition, I made payment in XXXX for twice the amount of the monthly payment and Santander refuses to apply the payment correctly. This has happened twice in the past where the branch applies the payment Incorrectly. The branch told me to contact customer service and customer service refused to apply it correctly and refused to update my credit report. They only updated it to show I made XXXX 's payment after the first dispute but did not update over 30 days or historical account information to show XXXX payment. I request for Santander Bank to accurately report the correct information for XXXX/XXXX/16 payment to all XXXX bureaus since I have to bring this matter through Federal Trade Commission.

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 04/21/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Settlement process and costs

Complaint: We have had a fixed mortg age with Wells Fargo for years. We are paying 6.7 5 % interest and approximately {$2300.00} per month. My wife has been sick and totally  XXXX  since  XXXX . Our savings were wiped out in the  XXXX  financial crisis. We have approximately {$150000.00} dollars in equity in our home but hav e two liens for medical bills totally about {$20000.00}. We have been turned down for refinance 2-3 times by Wells Fargo because we are a bad credit risk, yet we have never missed a mortgage payment. If we were not being charged an extremely high rate we could be apply those funds to other bills and be in a much better position. This rate seems abusive and unfair. Seems as if Wells Fargo is intent on keeping us at this high rate until we are force to sell our home, which we do no t want to do.

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 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have been XXXX since 2011. I have been dealing with this since 2011 and I will explain best way possible. XXXX has been taking money out of my XXXX check when I have sent paperwork in 3-4 times over the years. When I contact them on phone they tell me they have n't received any paper work but this is what we can do for you to give you time to send in again.dl they would say we will hold off for 2-4 months to give you time. 
after I send paperwork in immediatelty a month or 2 would go by and they will start taking over {$200.00} again. I do n't understand I would tell them I know I sent paper work in. I would tell them you see where you taking money from you know I have been XXXX since 2011 and you keep taking it. they would saour yes ma 'm we see its coming out of your XXXX but we need paperwork from doctor. this has been taking a real burden on me. this past month they started taking money out again and caused major chaos in my life. did n't have enough money to pay my bills or for co payments to doctors I have to see. so I had to skip some appointments. 
all i want is someone to help me to stop them from taking what I have proved. I am a small town XXXX person who really does n't know what to do. They saying I owe over {$8000.00} now and I am like how when I have sent paperwork in time and time again. please someone help me

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Customer service / Customer relations

Complaint: There have been several occasions since I was issued a Sam 's Club Credit Card. Initially, I was to use a card with my membership number, then later on I was issued a card with an account. number. The problems were unexpected because I had been paying the the bills on time. After I spoke my cause to the company, I expected the problems to stop, however, they have become worse. 

The problems : -duplicate charge of over {$200.00}, -unaccountable charge of {$47.00}, -card was denied at the register, -I would receive calls telling me there was a fraud alert on the account and I would have to call to clear the alert, and -the online account was not accessible. 

I prefer to pay my credit cards online. I also visit my online accounts frequently. I need the online access and the banks know that ; as such, I am convince they are harassing me as to discourage online activity as well as use the credit card. 

Although I have had few such issues with other banks, XXXX XXXX, and XXXX, SamsClub.com has been very troublesome. 

Please advise.

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 12-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: TransUnion is showing an account that was settled in full as a charge off. This is impacting my ability to get a mortgage. This originally showed on all the credit bureaus but they made the change after the first request with supporting documentation. TransUnion has been contacted three times via XXXX XXXX, with no changes.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I never directly did business with Equifax and yet they have all of my personal information. 

They then did not take reasonable steps to protect that information from cyberattacks. 
When they learned of the problem, they hid it from investors while they let executives dump their stock. 

There is no way to undo this damage. Once your information is stolen, you can never recover it. It will mean that I will need to pay for credit monitor and identity theft protection for the rest of my life. 

I will also be the target of other scams and potential blackmail because of a company that I had no direct business relationship with whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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 filed a dispute with XXXX and Experian to remove two government over payment debt accounts from XXXX XXXX XXXX XXXX from my credit report. XXXX has decided not to remove the account from my report and dispute with Experian is still pending. These two government over payment accounts should not be reported on my credit report, because they did not arise from an agreement or contract to pay. According to the CRA agreement, which resulted from the investigation of the CRA 's by New York State Attorney Genera, XXXX XXXX XXXX, states : " The CRAs shall prohibit Collection Furnishers from reporting debt that did not arise from any contract or agreement to pay. '' It also goes to state : " CRAs shall implement a process designed to remove from the CRAs ' respective credit reporting databases any existing data reported by Collection Furnishers relating to the collection of debt that did not arise from a contract or agreement to pay. '' Both of the above named accounts apply to this, and would like them removed from my credit report. I will attach the mentioned agreement with the statements pertaining to this matter highlighted in yellow. 

The dispute reference number for the XXXX dispute : 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 09/29/2017 about Credit card or prepaid card (Government benefit card) with Comerica (WV).
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint: Direct Express has not responded to me about my bank statements. I have called them 3 times, they can not even tell me if they have been mailed. Each time I call they ask me the same information over and over but do not give me any information. These bank statements are needed immediately for an application. They told me it would be 5 to 10 days each time, it has been over 15 days today since the first call and they will only mail them, they refuse to send by email or fax.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (PA).
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: XXXX sent me dispute results and a credit report. The results from the dispute are inaccurate. The dates on the dispute results and on the credit report are not the same. The representative on the phone provided me with different dates as well. The negative items should have been removed from my credit report by law. XXXX representatives are placing the blame on the companies, stating that the companies are reporting the information inaccurately. ( Macy 's and XXXX American Express ) If XXXX just monitored the information reported, they would clearly see that the dates reported have changed. This is Fraud.

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 03/23/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting a fraudulent credit inquiry. I have informed them several times that this inquiry is fraudulent, and they continue to report it. The fraudulent inquiry was entered on XXXX/XXXX/16 by XXXX, as an identity thief attempted to open a new account using my information. I have filed a police report specifically regarding this inquiry, and had an Extended Fraud Alert added to all XXXX credit bureaus, all of which Equifax has been made aware of ; and yet they still have not removed the fraudulent information from my report after repeated requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2015 about Credit card () with Colony Brands, Inc. (PA).
Issue: Credit determination

Complaint: I was issued a pre-approved credit limit with Country Door at first through the mail attached to their catalog. When I went to use the store credit, They used VA medical bills on my credit report to determined my credit limit that the VA is responsible to pay, not me, and denied me credit all together. Thus, they discriminated against me as a XXXX Veteran.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. ().
Issue: Loan servicing, payments, escrow account

Complaint: I paid off my mortgage and I asked for the orginal note back, then I had My lawyer XXXX XXXX ask for it ... .they will not return it to me. In Washington there is case law that says I 'm liablble if I do n't get it back and I 'm very worried about that happing. If I pay the note off I need it back ..the orginal and NOT a copy ... they could be selling it again in a pool on XXXX for all I know ... can you help? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX Property Address I paid off is XXXX XXXX XXXX Mo XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I recently requested for the PMI to be removed from my loan. DiTech is lender agreed to remove the PMI in XX/XX/2017. My issue is that the PMI should have been removed automatically years ago. I 've owned the house for 10 years. DiTech tells me the initial loan agreement was to remove the PMI in XX/XX/2017. I asked for the documents stating such agreement and they tell me that they ca n't give me that information. The PMI should have been removed years ago.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AMCOL Systems, Inc. (SC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Creditor violated the fair dept collection practice act ; by not allowing me to dispute this account or validating this account because I never received any notice of this dept.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received letter from convergent outsourcing stating i owe XXXX from XXXX. I have a XXXX balance with XXXX. I noticed on the XXXX help forums that this company routinely tries this scam with hundreds of people with no impunity from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: Good morning, I would like to get the hard inquires removed from credit reports. Can you guys assist with this? Some of these are old and are affecting my credit score. Any assistance that you can provide is greatly appreciated. Thank you

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 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have attached a copy of the accounts that are fraudulent as well as the inquiries that are fraudulent along with a copy of the police reports have sent them to Equifax numerous times for them to rectify the situation however they continue to report the information as being accurate although I have sent in a copy of the police report from the state  and county I  live in.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was told by a Naivent representative that the only way out of my student loan was to XXXX. The reason for my call was to renegotiate the terms of my 11.75 % interest rate on a student loan that has tripled in size due to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Debt collection (Credit card debt) with TRANSWORLD SYSTEMS INC (WV).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have a past due balance with the XXXX XXXX XXXX  which is now in collection. I was never given the opportunity to set up a payment arrangement. They set up a payment for me that was very high. I couldnt afford it. They have since taken my tax return, which isnt reflected in my balance. They never acknowledged that they took it. They are now threatening to garnish my wages. I sent a previous complaint against them and they sent me a letter stating I could file a hardship with them and possibly get a payment arrangement. They said they need my last few months of banking statements as well as mortgage payment information. I dont believe a collection agency should ask for that information. I merely want to set up a payment arrangement. I dont think they need to have my bank account info and statements.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2015 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (NC).
Issue: Shopping for a loan or lease

Complaint: there is a hard inquire on my credit report that i didnt consent to

Company response to consumer: Closed with non-monetary relief