milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-07-2015 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CO).
Issue: Taking out the loan or lease

Complaint: On XXXX XXXX 2015, we applied for an auto loan with USAA ... which was immediately approved. Intent was to be pre-approved before looking for a new car. USAA gave us XXXX days to execute the loan, offer ending on XXXX XXXX 2015. Two weeks later, on XXXX XXXX 2015, we found and purchased a vehicle using the USAA pre-approval check provided. The following week on XXXX XXXX 2015, USAA sent us an addendum to the loan documents showing the loan start date of XXXX XXXX 2015 ... the original pre-approval date, not the actual purchase date of XXXX XXXX 2015. We contacted USAA and spoke to a Customer Service Representative ( CSR ), who researched the sale and spoke to a supervisor. The CSR informed us that though the Loan date would be shown as XXXX XXXX, interest would not start until the sale date of XXXX XXXX 2015. We then sent a written request via email requesting that this information be provided in writing. We received a email reply the following day XXXX XXXX 2015, from XXXX XXXX at USAA. She stated that the information provided was incorrect, and that we were in fact being charged interest on the auto loan effective the approval date of XXXX XXXX 2015. 
We requested that USAA review the legality of this practice, and answer we received was that this is the way we always do it. We realize that this is a minimal financial issue per loan. By my calculation, it cost us approximately {$25.00} in this transaction. However, if this is a legal and allowed practice, then this is being done to a lot of unsuspecting consumers. In searching the loan documents, there is no disclosure indicating that this is a condition. I ca n't imagine having been charged interest on my mortgage approval pending the completion of the house, nor being charged interest on my credit cards based on the limit instead of the balance. So, is this legal? To start charging interest on a loan as soon as it is approved, not when it 's actually used?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XXXX, I filed a complaint against GM Financial. I had settled a defaulted loan I had with the back in XXXX, but they had yet to update this account as resolved on my credit report yet. Today, I received a letter from GM Financial, essentially stating that they have not updated my account yet, because I disputed it. Also, as of today, they are still reporting the account as unresolved on my credit report. 

For reference, I am attaching a copy of GM Financial 's recent letter, and also a copy of my settlement and payment receipt from XXXX. 

First of all, GM Financial 's claim that they can not report accurate information about my account because I disputed it is completely bogus. As is my right under the Fair Credit Reporting Act, I have the right to dispute anything that is inaccurate on my credit report. GM Financial does not have to right to " punish me, '' simply because I wanted correct information reported. 

Also, they did n't even address the fact that they are still reporting incorrect information on my credit report, more than 3 month after-the-fact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2017 about Credit reporting () with Gallatin Valley Financial (MT).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Rocky Mountain Credit ( no license # on letterhead ) at XXXX XXXX, XXXX, Mt XXXX, XXXX XXXX XXXX XXXX. Reported me as a delinquent on my credit report, even though I disputed the claim within the 30 day timeline. I requested any type of document with my signature, they failed to do so, and sent me a bogus XXXX invoice that even I can generate. They reported this as a delinquent account even after I followed the legal steps and disputed, without them being able to verify the debt. What steps do I have to take to clear this erroneous reporting on my credit report, and to evoke their collection agency license?

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (Other debt) with ERC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I HAVE SENT A DISPUTE TO THE COMPANY REQUESTING VALID INFORMATION REGARDING THE AVERRED ACCOUNT. I DID NOT RECEIVE A RESPONSE WITHIN 30 DAY, HOWEVER IT WAS 86 DAYS BEFORE I GOT A RESPONSE. THEN THE INFORMATION THEY HAVE, IS NOT ME, NOT EVEN MY NAME. ALSO THE INFORMATION THEY PROVIDED ME WITH WAS FROM A BILL DATE OF THE SAME MONTH AND YEAR, WHEN MY CREDIT REPORT SHOWS 2 YEARS PRIOR. IT WAS LIKE THEY JUST THREW TOGETHER A ITEMIZED STATEMENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 LEXISNEXIS (FL).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: This reported previously. After inquiring on line from a different company I continued to receive calls from XXXX XXXX and XXXX XXXX XXXX XXXX Co. Even though they were advised I was not interested they went ahead and puled credit anyway. Unauthorized access to my credit file resulted in their rejection of insurance which I DID NOT SEEK AND INFORMED THEM TO CEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed the information in regards to Experian posting the XXXX on my credit report. The resolution was account information disputed by consumer. This item was updated from our processing of your dispute in XXXX 2016. I also received an email in regards to the dispute from Experian saying that they have investigated and found the account to be valid. I called Customer Service today and received the same statement but when I asked about what information that was found to verify this account was mine. The CS rep recommended that I speak with the Credit Specialist and the credit specialist told me the same thing at first and then came out and said that they did not really investigate the dispute and do not have evidence to verify the account. 

I have submitted police reports and ID Theft affidavits stating that my information was compromised and the creditor XXXX tried to sue but did not show up for the court appointment of XXXX XXXX, 2016 @ XXXX XXXX that they had set. 

I would have expected Experian to take serious the dispute process because not only does it affect my credit score but my livelihood as well. I believe Experian would have taken more precautions and be more concern if they were in my shoes. 

Also the Experian Credit specialist stated the creditor XXXX had submitted that my address was an address in Arizona. The problem with this is that I have never lived in Arizona or even visited the state.

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

Complaint: My personal information ( name, social security, date of birth, etc ) was part of the data breach by Equifax. They have confirmed that my information was affected. I believe that a company that holds such important documentation for many people should be much more secure in their work.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Checking or savings account (Savings account) with GOLDMAN SACHS BANK USA (CA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: The account agreement with XXXX by Goldman Sachs states that wire transfers will be considered same day if received by XXXX XXXX CT ( XXXX XXXX XXXX   ) page 19 bullet 3. 

This is also repeated on the website " Wire transfer requests made after XXXX XXXX E.T. or on a non-business day will not be processed until the next business day. '' ( XXXX XXXX XXXX ) However, when calling the bank they said their business policy was actually XXXX E.T. and in discussions with a supervisor in customer support they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent Numerous notices to Equifax to delete the inaccurate accounts they could n't verify or Validate to me. This is a Agreement for validation made pursuant to the Fair Debt Collection Practices Act Section ( 15 U.S.C.A. Section 1681 & 1692 XXXX. ). These accounts are not mine & need to be delete from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/29/2015 about Mortgage (Conventional fixed mortgage) with Universal Capital Services, Inc. (NJ).
Issue: Application, originator, mortgage broker

Complaint: My husband and I have been trying to refinance our mortgage since XXXX XXXX, XX/XX/XXXX with XXXX MortgageLine, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. 
The company has strung us along, all the while asking for repetitive documents and income statements. We have paid for an appraisal XXXX because the company took so long to process that the XXXX appraisal expired. Each appraisal was {$400.00}. My husband is in the XXXX XXXX and was away XXXX XX/XX/XXXX thru XXXX XX/XX/XXXX. The broker implied this was XXXX of the reasons the refinance was taking so long, but my husband signed a XXXX for me to finalize everything. While he was in training, XXXX XXXX asked for more documentation proving his pay. Even though they knew the military pay was temporary, they said the full time work pay stubs were no longer applicable. When my husband returned to his full time employment after military training, we once again had to submit pay and tax returns. XXXX XXXX has checked our credit score multiple times, which is good standing. We have yet to have an answer of why the refinance is taking so long. XXXX XXXX is working with XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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 previously disputed this item and asked for verifiable proof and company has failed to provide of debt. The name of the company is  XXXX   XXXX   XXXX     2017  in the amoint of {$150.00}. Can you please help me to validate this debt.

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 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have called XXXX several times about removing incorrect late payments reported to the credit agencies from the months of XX/XX/XXXX to XX/XX/XXXX. I have set up payment plans for these months and have paid off over $ XXXX XXXX of the cards balance. They even sent an email that says because of my payment history I am afforded the benefit of the total card allowance of XXXX. Yet, they report that I've paid late 4 months?

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 12-10-2015 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX collection agency is contact a neighbor in a mobile home park where I live, asking invasive questions about me and stating they are calling regarding a debt. In addition calling my ex wife as well as my ex sister in law.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Credit card protection / Debt protection

Complaint: I have been trying to cancel some monthly subscription charges on my XXXX card. I can not get in touch with the companies who are charging me. I changed my account number. XXXX allows monthly subscriptions to pass through to the new credit card account number. I was charged twice by a company that uses preditory marketing stratagies. They now have my new credit card information. Many companies large and small ; legitamate or completely dishonest know this monthly subscription loophole. The American consumer has to be protected from preditory, fraudulent and otherwise dishonest businesses. It should be easy to shut off the money flow.

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 STERLING JEWELERS, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Asked for Validation Letter not Verification. Never received validation that this debt belongs 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 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: 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 XXXX XXXX reported a credit inquiries to my credit report as a hard inquiries which have effected me negatively.

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 02-02-2017 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: After numerous phone calls and letters to the Equifax credit reporting agency I have been given the run and around with no help or solution to my issue. I used a third party agency to view my credit report and noticed that there were a list of hard inquiries listed on my credit file. I 've repeatedly asked Equifax to have these inquiries removed as they were not authorized nor do I posses a current open account with either of these agencies. Equifax refuses to remove these inquiries although they are not tied to any open account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have contacted Transunion, XXXX, and XXXX in XXXX, and XXXX  2017 to remove in accurate information.
Under the new law effecti e XXXX  2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include the information and should be deleted from my credit 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 non-monetary relief
Consumer complaint received 04/29/2017 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: Information is missing that should be on the report

Complaint: This is my problem : I have not seen the movement on my credit score that I should see, here 's some facts : 1. On XXXX XXXX 2017 my credit score was XXXX I had one account that was 85 % added to limit another account with 94 % of its limit. I had 17 accounts never been late ; no bad credit whatsoever. 2. XXXX XXXX 2017 my credit score was XXXX I have 17 accounts no lates nothing negative I was at XXXX out of approximately {$8800.00} in my credit utilization. 3. Now XXXX XXXX 2017 my credit score is only XXXX and actually went down XXXX points, I have paid down the three accounts that I have and i opened a new account with a {$4000.00} credit limit i have 18 accounts. I now owe {$2400.00} out of a possible {$12000.00}. There is no way my credit score should be this slow and I am complaining and seeking your help they are intentionally keeping my score low.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Medical) with Capital Accounts, LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had XXXX and the XXXX bill for {$99.00} is claimed to be unpaid. I have never received a paper bill from the agency, no calls from the agency, and have paid the doctors group using my Visa Credit Card the complete balance not covered by my insurance. I began getting calls during the summer of XXXX and they continue till today. 
I have repeatedly told these people to not contact me concerning this outdated account ( XXXX ), but they have harassed me at my place of employment, on my cell phone and my home phone. 
They said they mailed me letters, but they do not have my mailing address, and my physical address has never been used for any medical record or doctors files as I do not have a mail receptical at my home.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax deleted all my accounts, and my credit history dropping my credit score for XXXX points. Almost all of tha accounts deleted from my record are still open and in use. They have not provided even a current copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX ACCOUNT HAS BEEN ON MY EWUIFAX REPORT FOR 7 YESRS NOW AND HAS NOT BEEN DELEED YET THE CREDITOR ALSO HAS NOT REPORTED ANY PAYMENT HISTORY FROM THIS ACCOUNT SO THIS ACCOUNT SHOULD BR DELETED FROM MY EQUIFAX CEEDIT FILE XXXX AND XXXX JUST DELETED XXXX ACCOUNT FROM THEIR REPORTS BECSUSE IT HAS BEEN 7 YEARS AND FOR SOME ODD REASON EQUIFAX IS REFUSING TO DELETED THIS ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted Experian and advised them that I had identity theft. I filed a police report and Experian is stating they ca n't block it from my credit report because I did it online. I went to the XXXX police department and they said the police report is valid. I stayed on the phone with experian for XXXX hours and spoke with XXXX XXXX XXXX XXXX and XXXX. Everyone kept putting me on hold and never resolved the issue XXXX told me that he could n't block any of the fraudulent accounts because the report has been done online and the police said it 's not true. XXXX HUNG UP ON ME TWICE. I am a victim of Identity theft and this is depressing that experian wo n't help and they are reporting fraudulent information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/30/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: I closed a secured credit card account with Wells Fargo on XXXX/XXXX/2016. I was advised that I would receive my collateral funds within 7-14 day. Now I am being told it will be 45-60 days. Wells Fargo has multiple times they have given me " incorrect '' information and can do nothing but " apologize. '' When I questioned the second banker if I could file a formal complaint, she stated that the only way to do that was to step into an actual branch.

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