milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I Switch from   XXXX   XXXX   XXXX   to  XXXX  in   XXXX  . I called   XXXX   XXXX   XXXX   and spoke to a agent. paid my last bill. I never changed my phone # of   XXXX   XXXX   XXXX   transferred it over to  XXXX . No bills no phone calls until  XXXX  from  XXXX   XXXX   XXXX  DIVERSIFIED CONSULTANTS  INC ).  stating I owe {$68.00}, I asked why did n't you call me prior to this she said they only had my old number  XXXX , so I said then how are you calling me now, when the my current phone number was given to me by  XXXX   XXXX   XXXX  Paid the {$68.00} and said this was unfair that I had no warning. It is now showing on my   XXXX    Even though I paid for this right away.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Debt collection (Auto) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Midland is reporting an open account XX/XX/XXXX. This is not accurate. They may have acquired this fraud debt then but I have been disputing this matter since XX/XX/XXXX. I was XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX. Someone purchased a motorcycle in my name! I have asked repeatedly for the documents to prove I made this loan. I have NEVER received anything. The reason is because I was not in country to make this loan. I provided both the original creditor and Midland this info. No response. I have spent more than {$100.00} sending them certified mail, no response. They are first reporting a debt that is fraud and second reporting the date of when they got the account, not the actual date the fraud took place. I do not know what else to do. Someone also opened a XXXX phone line during this time, XXXX has since taken the reporting off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Settlement process and costs

Complaint: We are buyers of a short sale property from Bank of America. We went through the negotiation process 10 weeks ago and agreed to their price. All paperwork, including the XXXX Affadavit have been filed, but still no response from the bank. The seller 's realtor does n't respond to us, yet has $ XXXX of our money! We were given a close date ( on or before ) which is now 3 weeks away. Using that close date we sold our house with a close date 3 days later. If we do n't get an approval letter from Bank of America soon, my family - including a XXXX year old and XXXX year old - are not going to have a home leading into the winter months of Massachusetts. I ca n't call Bank of America because I am not the seller, so I have no idea how to get information on where we stand. My mortgage company wants the signed approval letter or they wo n't approve my mortgage either. How do I get Bank of America to move on the approval letter?!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have not been able to obtain my credit report from equifax because they have mixed my information with my deceased grandmother 's. I would like a copy of my report to resolve any mistakes there may be on that report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/29/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: I bought a vehicle and financed it through Santander. The vehicle was not in good mechanical condition so I traded it in only a few months after. I signed a contract and the dealership agreed to pay it off and mailed a check. They unfortunately mailed it to the wrong company. Once found they sent out another check and canceled the first. This time Santander did n't report receiving it right away. They are reporting a XXXX90 day late to XXXX of my credit reports. I am requesting that the latest be removed. I have tried to work this out with Santander and XXXX different operators. All of which have a poor attitude. The worst was the vice president of credit disputes. XXXX XXXX XXXX. He scolded me for waiting untill now to contact him. He also at XXXX point said that he was not going to do anything for me and compared me to a XXXX. He actually said " what do you think would happen if I deleted all the late payments for the XXXX people, then all the XXXX would be calling me and XXXX about unfair treatment and expect the same '' I was and still am shocked. He did n't even get what he had done after questioning him. I explained the situation to another rep and she justified it by saying 'thats just a statement that we use in the business and if we are guilty, than everybody is guilty. '' XXXX will not call me back, another manger. XXXX yelled at me and said I would n't have had this problem if I just paid my bills on time. Knowing full well that it was an issue with the dealership and Santander. My account ( # XXXX ) is heavily noted and everyone agrees that the dealership made a mistake. I should not have my credit harmed for this situation. I paid my bill on time while the vehicle was in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (MA).
Issue: Deposits and withdrawals

Complaint: I deposited a check on or around XX/XX/2016, at TD Bank , N.A . An extended hold was placed on the funds. I did not discover why a hold was placed on the funds until speaking with a branch representative on Monday. At that time, I was informed that the fraud department unilaterally decided on Monday to delay funds availability because of the " high incidence of fraud '' during the holiday season. I was not given a disclosure or made aware of this policy prior to depositing this check and I certainly was not given a disclosure 30 days prior to implementing this change as required by Regulation CC. 

The check was drawn on an account at XXXX. The check is from the XXXX of Massachusetts and it is for fuel assistance. I am a low-income individual, a single parent, and I need that money to be available to me. I have contacted TD numerous times and informed them that I believe this policy violates Regulation CC for several reasons and that failing to disclose this policy is unfair and deceptive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have sent several letters to Equifax and XXXX requesting for them to remove the reporting of Bankruptcy on my credit file. I have sent letters to the Courts and they have advised me they do not report to the credit bureaus. XXXX has already deleted this information upon my request. The bankruptcy was filed in XXXX and dismissed in XXXX. These credit bureaus have purchased from my information from a 3rd party company such as XXXX XXXX without my permission. This information should be deleted. I have sent 3 certified dispute letters each to both XXXX and Equifax on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they keep coming back saying Verified which is in violation of the Fair Credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: Chase Bank, took 3 1/2 years to approve a short sale. During that time they reported " past due '' on my credit reports at the XXXX credit reporting bureaus, XXXX, XXXX, and XXXX. 
They took 3 1/2 years to approve a short sale, to sell my home. 
I feel that they did this with malicious intent, for 3 1/2 years they reported negative information to the credit reporting agencies. By doing so THEY DESTROYED MY CREDIT ( FICO is XXXX ). 
Because of this NO ONE WILL RENT ME AN APARTMENT, even though I am DEBT FREE. 
I remain HOMELESS. 
Because they did this with Malicious intent, I DEMAND that CHASE BANk 's credit reporting department, remove ALL negative reporting that they reported to the XXXX Major credit bureaus.

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

Complaint: On XXXX XXXX, 2017 Equifax had a security breach which provided my social security number and other identifying information to " hackers ''. They never notified me of this breach. I learned of it 6 weeks later by reading the news! Are they kidding me with this?

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian is currently reporting that the following accounts are mine when they are not. They do not allow you to re-dispute which is against the law. They clearly are in violation of the Fair Credit Reporting Act : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Acount # 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 12-06-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Portfolio Recovery Associates is reporting 3 different ways along with XXXX XXXX regarding a secured {$300.00} credit card. 
Listed as factoring company on one report and collections on another.

This is illegal I would like the line removed as they are reporting innaccurate information Portfolio Recovery is a junk debt buyer XXXX  XXXX ) which means they are a company, party, or agency that buys charged off debt for pennies on the dollar. They have placed collections for 2 accounts on my CR and are skirting the FDCPA by reporting as a factoring company and this is misrepresentation! Factoring companies are companies that buy accounts in good standing and take over as the OC of the account. I have never had a contract with PRA! Case law has established that when a party purchases a delinquent debt, they are considered a debt collector, and thus subject to the FDCPA! I request that Portfolio Recovery verify the following information. 1. Full original Account Number ( XXXX ) 2. Date XXXX s XXXX original Account XXXX XXXX ) were opened3. Any written agreements between myself and the original creditor stating this debt is owed4. Full account summary and itemized calculation of alleged debt5. Date of the first delinquency6. Dates and times of any communication made to me before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Portfolio Recovery is unable to provide the above identifying account information, this account must be deleted from all CRAs immediately and not sold to any other debt collector.

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

Complaint: Equifax security breach that compromised all my personal data.

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 EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have tried on numerous occasions to get the 3 credit bureaus to accurately report my accounts. I explained that one creditor XXXX XXXX would deceptively change the account numbers every time I submitted an account verification request. They have sent me letters all 3 credit bureaus that they would no longer investigate my previous claims which is a direct violation if the fair credit reporting act. This had drastically hindered my ability to obtain credit. If it is not handled appropriately I will be forced to take legal action. I also asked for proof of verification methods of my alleged accounts and I was never provided with it.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Risecredit, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I contacted this creditor to provide proof this is my account. I had another account which was paid in full and closed on XX/XX/XXXX. And this account is showing opened on XX/XX/XXXX. 
I have asked for proof of this being my account and have not recieved anything. 
They have sent one reply asking for my personal information that I have provided in my initial letter. 
Still have not received proof.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Credit determination

Complaint: I defaulted on a Chase credit card due to our business going bankrupt after the real estate crash and our failed economy. I have been trying for years to settle the debt but Chase has written off my debt but refuses to remove the judgement from my credit report and a low credit score is keeping me from recovering financially from this loss. Chase holds my first and second mortgage and will not allow me to refinance. Why do the banks get bailed out, get to write off the bad debt, and still ding my credit report every month and will not do anything to remove this judgement form my credit report. Where are my rights here? I want to settle but I can ; t but no one keeps them from still hurting me as a consumer. This is 6 years old now. The Chase Judgement is for {$9800.00}, case # XXXX filed XXXX XXXX, 2010. HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Frequent calling examples : XXXX midland credit Called sat XXXX at XXXX, XXXX, XXXX XXXX midland credit Called XXXX at XXXX, XXXX XXXX midland credit Called XXXX XXXX, XXXX ( verified myself ), called again at XXXX XXXX midland credit Called XXXX XXXX, XXXX ( verified myself ), called again XXXX This pattern has occurred frequently for over a year. <P/>This company also scheduled a post dated payment for a payment arrangement without my authorization after I had told them I did not want to post date any payment. They used the card information for the payment I made and authorized for that day and also scheduled a secondary post dated arrangement that I did not agree to and they attempted the withdraw funds from my account without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: I was contacted by Equifax about a person inquiring about my credit. We are attempting to get a mortgage. I have only given two sources permission to check my credit money source and e mortgage. I attempted to file a dispute with XXXX XXXX, and this is my second time trying to file a separate dispute, and each time they ask questions that even though I have the answer, does not put me through on the system. So the only way that they are receiving any information is by mail which takes weeks. You 're making no attempt it all to resolve issueS thru email.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Student loan (Private student loan) with NELNET, INC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I have called repeatedly to ask XXXX XXXX to send me my promissory note. I called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have yet to send me the promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: In XX/XX/XXXX I received a credit card bill from XXXX/XXXX XXXX with a charge of {$2100.00} I have never opened an account with this company or shopped at a XXXX. While it was addressed in my name and with my street address but the area was not put s the correct one.

I called XXXX XXXX  and reported the fraud. The gentleman I talked to said he would open the fraud case and they had a XXXX fraud liability. He recommended that I also alert the credit bureaus and report the identity theft to Identitytheft.gov. I did that and I reported it to XXXX, who also alerted the other two credit reporting companies, and enrolled in XXXX  to give me alerts and lock my accounts from inquiries. I didn't hear anything more back from XXXX XXXX so I assumed the problem was taken care of.

OnXX/XX/XXXX I received another statement from XXXX XXXX with another charge for {$2100.00} but with a different account number. I immediately called to inquire about this new account. After being transferred several times an account manger told me that they had denied my fraud case and that they had sent me a letter informing of that. I never received any letter from them denying my claim or any forms requesting more information. She then said they denied it because after the account was opened they received a call from a phone number asking for them to increase the credit line and it was showed as the same phone number I called from to report the fraud. She refused to give me the address or phone number of the actual XXXX  where the purchase was supposed to have been made and could only tell me it was in XXXX XXXX, which I have no idea where that is and she wouldn't even let me know what state it was in. Whoever opened the account clearly has all my information and according to XXXX  I would of been one of the people who was affected by the breech. I do not know how they managed to make it look like it was coming from my phone.

I originally thought that since XXXX XXXX  claimed they were doing the fraud investigation and I had already reported it to the Credit Bureaus and Identitytheft.gov that this would be taken care of by XXXX XXXX. They did not mention my phone number had also been compromised and since I never received any of the letters they claimed to send and their representative refused to be helpful and provide me with information of the purchase so that I could ask for records of their claims I don't see that they were carrying through with the fraud investigation as they were supposed to. I have updated my FTC report, filed a police report and I have pulled up my phone records from XX/XX/XXXX/XX/XX/XXXX. The only call to the bank number was on XX/XX/XXXXwhen I called to report the fraud originally.

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 02/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (UT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I got a call from stellar recovery. The lady tells me that i have debt with XXXX for XXXX. I told her that this is the first time i had heard about the debt. I asked her some questions as to when this so called debt happened, she says it is from XX/XX/XXXX. I said i do n't believe that was correct last i remember XXXX was after me to turn there equipment which i did. I asked her if she could validate the debt and she said so you are disputing that this debt is valid, and i said i would like some proof and she said ok and hung up. This call was made approximately on XX/XX/XXXX. I got an email this morning that may credit score had dropped i have a collection account from stellar on all XXXX bureaus. I have so many phone calls from fraudulent outfits lately, just last week i got call from the irs saying that i owed them XXXX dollars and if i did not pay they would arrest 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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a charge card with XXXX XXXX XXXX XXXX card number XXXX XXXX XXXX with a {$4600.00} balance that was charged off. I attempted to settle this debt with XXXX XXXX but was told the debt was " cancelled ''. They sent me a XXXX ( which I have attached ). A cancelled debt that I am unable to pay can not remain on my credit files. I can not be held in jeopardy for something that I am unable to correct. 

I disputed this with Equifax, XXXX XXXX and directly with XXXX XXXX and they left the item on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: American Express is claiming I owe them for a card. They have reported this on my credit report. I have never opened, or requested a card to be opened with them. The have not provided me anything with my signature showing i requested a card, they have not provided any proof showing where this card we deliveredd to, nor have they provided anything showing who signed for the card. they refuse to remove the reporting from my credit report. and XXXX and XXXX refuse to remove it. claiming it was verified. this is impossible As I did not open any account with American Express.

Company response to consumer: Closed with non-monetary relief