milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/24/2016 about Consumer Loan (Installment loan) with LENDMARK FINANCIAL SERVICES (MD).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, I received a letter from Lendmark Financial stating that they had recently bought out XXXX who I originally took my loan out with. The letter stated that effective XXXX XXXX, my direct pay would be cancelled. All subsequent payments could be made online or by setting up direct pay with Lendmark. On XXXX XXXX, I spoke with the branch manager, who took my payment over the phone. She stated that she would send me forms to complete the XXXX XXXX enrollment process. I received the forms but have not signed and returned them to the branch. On XXXX XXXX, my account was debited for the monthly payment of {$240.00}. Given that Lendmark 's letter and website state that my direct pay was cancelled beginning XXXX XXXX, I was not expecting to have my bank account debited and was actually going to mail in my payment from another bank account that I wanted to use. On XXXX XXXX, I received a letter from Lendmark confirming my authorization for an electronic debit that was done on XXXX XXXX at XXXX which subsequently posted to my bank account in XXXX XXXX. I did not authorize that payment. I also called the XXXX branch and spoke to a rep who told me that because I previously had XXXX XXXX set up with XXXX, that they have a right to debit my account. I explained to her what the letter from Lendmark stated and what is listed on the website regarding the direct pay cancellation. She advised me that regardless of what the letter or website states my bank account can be debited. I again advised the rep that they do not have my signature authorizing the new direct pay enrollment. This unauthorized debit, cost me {$70.00} in overdraft fees. I have since mailed a letter to the XXXX, VA branch and the corporate headquarters revoking their right to debit my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: An unauthorized charge was made on my debit card using the PIN on  XXXX   XXXX . The same day, I disputed the charge, filed a police report and filed a report with the security at the location of the ATM. The bank closed the dispute claiming that because my PIN was used there was no evidence of fraud and the claim could not proceed. This is a direct violation of   XXXX   XXXX   XXXX  It is not my reponsability to make guesses as to how the culprit got my PIN, nor is it my responsibility to tell the police what to write into reports. Most importantly, because I reported the violation within  XXXX  hours, my liability remains at a maximum of {$50.00}  XXXX  pin or no pin ) and under the banks own "  XXXX  liability '' policy, I should receive full reimbursement of {$400.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-11-2016 about Mortgage (FHA mortgage) with VERITAS FUNDING, LLC (UT).
Issue: Credit decision / Underwriting

Complaint: We, I am hoping that, the Attorney General 's Office will take a 2nd look at the business landing practice to see if is in line with the state and federal law. 
I applied for a Mortgage loan through my loan, officer XXXX XXXX from Veritas Funding and I was approved for the loan and got through all the process to the closing and while I was waiting for the bank a date that I will be closing on the house. I have got a call from my loan officer stated that, you wo n't be able to buy the house any more. I was in shock and when I asked why because I have done everything they asked of me and signed all the paper from accepting the loan to the appraisal. He said that, the Veritas just did n't want to do business with me anymore, I have tried to contact the company and my loan office, none of them wanted to talk to me, they refused to take my calls and until now I have never heard from Veritas Funding or my loan officer. 
I felt discriminated and I want to State Attorney 's office to investigate of what really happy back then.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: 1 ) XXXX was paid off 2015 should not be on credit report. 
2 ) XXXX XXXX XXXX should not be on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Northern Alliance Management, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This collection agency, repeatedly calls my husbands number and sons number. To inquire about me after being told repeatedly to stop calling. They call from a ( XXXX ) XXXX and say to call another number which is XXXX ( XXXX ) XXXX. To resolve this issue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: After filing case # XXXX with this agency, I received the attached. No correspondence at all. Just these XXXX pages. Again- they 've not only wrongfully accused me of not paying a bill but one that is over 5 years old which I 've never received!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The credit agencies continue to report that a vehicle loan and a vehicle lease were included in a chapter XXXX bankruptcy. The " loan '' in question is still being paid and has been paid on time for the last 62 months. Another vehicle " lease '' that originated in XXXX of XXXX was " paid as agreed '' Neither was included in my discharged bankruptcy

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 04/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received a credit change alert on my credit file. I called Transunion and the representative informed me of a collection account that was opened in XX/XX/2017. I asked for the name of the collection agency, which was given as XXXX. I never did business with this company nor have they contacted me nor sent any correspondence indicating that I owe any balances. This is FRAUD and XXXX needs to remove this fraudulent account from my credit report immediately. My credit report has been clean and all of a sudden a collection account appears fraudulently.

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 01-03-2018 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: An individual who had access to my identity used my information to sign a lease with a company operating under XXXX XXXX XXXX XXXX ' in XXXX , XXXX . This individual signed my name and used my contact and SSN to sign a lease which he ended up forfeiting and leaving. The lease began around the time of XX/XX/XXXX and was sent to collection around XX/XX/XXXX. The amount accumulated and sent to collection was around {$16000.00}. I began receiving phone calls last year and told the collection agency ( IQ Data International ) that they had the wrong information. When I looked into my credit, I found the exact details and filed a dispute to argue the charges. I was advised to file a report with the FTC and a police report. I sent a notarized affidavit of fraud and my report to the collection agency, but they did nothing to remove the negative account. They sent me a letter with a copy of the signed lease agreement ( which was signed fraudulently ). I had sent them proof of utility bills addressed to me which show a different address during the time that lease was in progress. Yet, they have not done anything and refuse to cooperate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Medical debt) with United Consumers Inc (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: A collection showed up on my credit report. Prior to this I received no notice of a debt owed, explanation of what it is for your the dispute process. The amount was just added to a previous bill already with the same collection company.

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 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Hello, My name is XXXX XXXX and I have inaccurate information listed on my credit report. This inaccurate information is currently being reported to XXXX and Transunion. I reached out to both the company reporting the inaccurate information and the two credit agencies listed above several times ; and nothing has been done to remedy this false information. Ive requested this information be removed when I first found out about it XX/XX/XXXX, and again XX/XX/XXXX. FYI, I waited a year to do the second dispute because I was under the impression this was corrected and removed after my first dispute in XX/XX/XXXX. The company reporting the incorrect information to the credit bureau is XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, and their phone number is XXXX. Based on the information listed on my credit report this is a collection for {$160.00} from XXXX XXXX Hospital. I dont owe either one of these companys money, this collection states its from XX/XX/XXXX, so I dont remember specifics since it was so long ago, but I pay all of my bills and have excellent credit outside of this false information. Please advise me of my options to get this information removed. Im also concerned my personal medical information has been shared without my consent. <P/>Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Transaction issue

Complaint: Unrecognized charge. Multiple claims to Synchrony bank and XXXX ( that withdrew the money ) to give my money back had no result. They keep the stolen money

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 Credit card () with CAPITAL ONE FINANCIAL CORPORATION (UT).
Issue: Billing disputes

Complaint: I rented a car from XXXX. I paid for the car from XXXX. Then XXXX charged my Capitol One Visa card {$100.00} for a moving violation in New York. The only problem? I did n't go to New York. I was n't renting the car when the moving violation happened. I called XXXX - they did n't give my money back. Filed a chargeback with Capitol One - they did n't give my money back either.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On or about XXXX XXXX 2015, I noticed while checking a copy of my credit report, a charge for a line of credit that I did not request. The company was " XXXX XXXX '' financed by " XXXX XXXX XXXX XXXX '' and the amount was {$1300.00}. I immediately contacted XXXX XXXX and all three credit reporting bureaus and informed them in writing via certified mail of this error. It is important to mention that up until this time, they did not have my mailing address and therefore had not been able to contact me. I also should mention that I have never been in a " XXXX XXXX '' store. I clearly informed them that this was a fraudulent activity or a mistake and I requested documented proof which is my right and which they are obligated to provide at my written request according to the Federal law which is governed by the " Fair Credit Collections Act '' and the " Fair Credit Reporting Act '' as enforced by the Federal Trade Commission. They failed to provide any documents and continued to harass me for this debt eventually selling the debt to " XXXX XXXX XXXX '' a collections agency. Similar written requests were made with this collection agency with similar results. They have violated my rights as well by failing to show proof of the validity of this debt. 
They continue to harass me for this debt and are negatively effecting my credit report and FICO score, again violating my legal rights. 
It should be clear to them of the following facts that they continue to ignore. First, the name on the original XXXX XXXX charge is " XXXX ''. My name is " XXXX ''. Second, I reside at XXXX XXXX XXXX XXXX NOT XXXX XXXX. And lastly, they have refused to send me a document that I signed with my social security number and signature. Why? because no such document exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On XX/XX/XXXXin a SunTrust Bank branch in Georgia an individual with a checking account one digit different than my own made an over-the-counter withdrawal via a hand-written withdrawal slip. When I was finally aware of the error -- {$1000.00} taken from my account and not the account of the individual making the withdrawal -- I called SunTrust. This was after a number of payments had been returned and fees assessed on my account. Initially, the customer service representative said there was no error. It did not take him very long to correct his statement, dismissing himself for a bit, coming back and saying this was all the result of an error made AT SunTrust. The issue was not then resolves, but remained. Yesterday morning I went into my Local branch and thought we were on the road to resolution. Last night, YET ANOTHER FEE was assessed for a returned payment, as the correction, apparently, had yet to settle into the account. At this point, in addition to the MANY fees placed on my account by SunTrust, I am additionally being assessed charges by the companies I have made payments to and now others I could not make payments to because of the ongoing issues. In 2017, THIS is more than a bit pathetic. It is astounding to me there are no checks and balances in place to ensure this does not happen. I am now beyond frustrated, have gotten nothing done today as I attempt to get the issue completely resolved. I have had to cancel appointments, am behind with customers, etc. I have begun making contacts with attorneys.

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 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXX I applied for schooling thru university of XXXX. I did n't know where to go or where to start. I was a single mom of XXXX working a job making {$7.00} an hr. The reps from enrollement told me I could get grants and not have to pay for schooling due to my income, they also told me I could do my general schooling online the transfer to a local school to finish my XXXX degree. They lied about everything. The schooling was a joke and they took out money for federal loans saying that it was grant money. I only attended from XX/XX/XXXX to XX/XX/XXXX. They took out additional moneys and lied every step of the way. I could n't use any of my credits or schooling to transfer to XXXX XXXX or even XXXX the XXXX college locally. I was frauded by university of XXXX due to me being a single uneducated mother and people who I thought were giving me guideance were only steering me in financial destruction. I have never been able to make payments to the loans from XX/XX/XXXX/XX/XX/XXXX and now it looks like there are more loans and looks like they are new even after all these years. I have tried disputing and just do n't know where to go on this any more. University of XXXX scammed me.

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 SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Santander Consumer USA is reporting t o the credit agency that I am late each month and I am not late. They are reporting that my loan payment is more than what it is. I have try to credit this and the credit agency will not credit it.  XXXX  and  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Mortgage (Reverse mortgage) with Finance of America Reverse LLC (TX).
Issue: Application, originator, mortgage broker

Complaint: I applied for a reverse mortgage and everthing was going fine until my appraisal came in lower than expected. Immediately my income became a issue and I was asked if I received any other income other than XXXX. I was then told that my income did not transfer over correctly and that my Student loans and car payment was to much to pay my taxes and insurance. I submitted the correct figures but was still denied because of income. My denial stated that I withdrew and when questioned, I was told that is the procedure when loan do n't qualify.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have my loan thru SunTrust Mortgage. # XXXX I am unemployed at the moment and have just been approved for the KEEP YOUR HOME CALIFORNIA, Unemployment Mortgage Assitance program I am trying to open an escrow account so I can get my property taxes paid in FULL thru the program SunTrust says I am unable to open the escrow account because it has to be 60 days out and I am 40 days.The taxes are Due XX/XX/2016 I am trying to get this all taken care of so my mortgage and taxes are paid I have never been late on any payments or taxes Please let me know how I can get this resolved Thank you very much

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2017 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have disputed innaccurate information on my credit report. I have requested a validation of the debt and have received a letter to collect the debt. I would like this inaccurate information to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent a 609 letter to TransUnion on XX/XX/XXXXto validate the accounts listed in my letter. They have not done so and the 30 days is up. This has to be immediately deleted from my credit report per the FCRA 15 U.S.C. 1681i, because they could not verify the accounts. The accounts listed were : XXXX XXXX XXXX XXXX XXXX openedXXXX Account # XXXX, XXXX XXXX XXXX openedXX/XX/XXXX Account XXXX XXXX, XXXX XXXX XXXX opened:XX/XX/XXXX Account # XXXX XXXX XXXX XXXX openedXX/XX/XXXX Account # XXXX, and XXXX XXXX XXXX opened XXXX/XXXX/XXXX Account # XXXX. All accounts were unverified and need to be removed.

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 09-06-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am disputing DOB information reported by EQUIFAX. I have disputed the information on my credit report now for almost two months every other day. I am asked to show identification documents so that EQUIFAX will change the information ; however, the documentation they ask for is used for IDENTITY THEFT purposes and I am a VICTIM. 
They will not REMOVE the DOB from the credit report and I have included a Consumer Statement indicating that the information they report is INCORRECT. 
I feel that the person who STOLE my identity is in touch with EQUIFAX by phone and the contact is the reason why the DOB has not been changed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Debt collection (Medical) with Clark County Collection Service (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Clark County collections was paid in full by me and my husband and they continue harassing us saying we owe more and we do n't they now are garnishing my husbands paycheck when we did n't owe anything else to them and no legal action was taking to our knowledge.

Company response to consumer: Closed with explanation