milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation of my consumer protection act po report sent to XXXX, XXXX, trans inaccurate information must 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 09/18/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I accepted a settlement offer to make 12 consecutive payments of {$49.00} to settle my debt. It was agreed I would send in a money order by the XX/XX/XXXXof each month. I made a payment each month beginning XX/XX/XXXX. XX/XX/XXXX payment was shown delivered at XXXX XXXX on XXXX XXXX. The company states they terminated my agreement because the payment did not post to the account until the XXXX. I  have all documentation and yet the company will not honor the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: A court judgment has been reported incorrectly with all three of the major credit report companys. I was reported as being the Defendant where as I was the Plaintiff and that judgement was against me where as it was actually for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2015 about Mortgage (Conventional fixed mortgage) with INTERNATIONAL CITY MORTGAGE (HI).
Issue: Loan servicing, payments, escrow account

Complaint: Our loan was recently sold to a new company : International City Mortgage. It has been impossible to set up automatic payment through their website ( the only way they have to set up automatic payment ), despite receiving confirmation emails from them that we successfully registered for their automatic payment system. We have had to pay late fees for a few months while trying to resolve this. Phone-based customer service has been completely unhelpful and was unable/unwilling to set up automatic payments. Customer service told us that receiving confirmation emails from them, stating that we had set up automatic payments, did not prove we had set up automatic payments and therefore late fees could not be waived. Automatic payments are taken out the day before late fees are assessed, so there is very little time to send a payment if things go wrong with their system ( which, in our experience, happens frequently ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-02-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have late payments from my student loans and I really need to get those off my credit because Im trying to better my life and credit score the late payment is really making my credit report bad.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Customer service / Customer relations

Complaint: I have a credit card with capital one they restrict my account because they think it 's a fraud issue. Have so many problems because I sent my personal information more than 5 times even if speak with some one to make sure they receive it. After confirming 3 days after manager who handle my case transfer out to another department and I have to resend my I formation again. No one in customer service can resolve the problem because every time they have someone different and I have to star over the process.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Problem with fraud alerts or security freezes

Complaint: Worried about an accidental disclosure of my personal information, I placed a global freeze on mycredit reports at each of the three credit bureaus a little over two years ago with no trouble. Now, I am  hoping to purchase a home and am in the process of seeking pre-approval for a mortgage with a lender and have been unable to temporarily lift my freeze with Equifax or contact any representative of the company despite multiple online and phone call attempts. On XXXX XXXX, 2017, I successfully lifted my credit freezes at XXXX and XXXX with each in less than 3 minutes. However, on this same date, I spent over 2 hours trying to process the same temporary lift with Equifax without success. When attempting the temporary lift with Equifax online, I was told it can not be processed online and the only option is to mail in my request -- no customer service representative number was offered. I tried calling the automated Equifax line related to credit freezes, ( XXXX ) XXXX, and was given the same response : that I could mail in my request, and no offers to connect me with customer service was offered. I then searched for alternate numbers to simply try and get ahold of a human being, and tried the Business Member line, XXXX, onwhich I followed the instructions on the automated message line according to my needs as a Personal Credit holder, only to be repeatedly disconnected before speaking with anyone. Thinking that I may have success on the Business Member line entering alternate member needs to simply get a hold of someone who could transfer me, but I repeatedly came to " dead ends '' where the automated message suggested I check Equifax 's website or ended my call. I 've had no success and hope the CFPB can help resolve this by identifying a real contact at Equifax and, more importantly, ensure that Equifax and its customer support is more accessible to individuals moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (MD).
Issue: Closing on a mortgage

Complaint: Received approval for a mortgage loan with Quicken Loans ( Loan # XXXX ) and two days before closing my loan officer ( XXXX XXXX ) contacted me and said the loan was denied and I was not given a clear explanation. There was no communications from Quicken to suggests that my loan was not going to be approved. The only caveat Quicken asked was that I rent my existing property in order to qualify for the loan. I complied and provided Quicken with a copy of the lease agreement three weeks before closing. I was under the guise from my communications with the loan processor that the loan was approved given that Quicken had setup settlement date and was in communications with the settlement/Title company to close the loan. It was only until I received a telephone call from Quicken Loan two days before closing that they informed me that my loan was not approved. Quicken did not provide a clear response other than to question the integrity of my lease agreement. I find Quicken 's practice to be discriminatory in that I met all of their preexisting mortgage requirements to include providing them with a notarized lease agreement for my existing property which according to Quicken would qualify and approve me for the loan. That was the communications I received from my daily conversations with the loan processor. Again, it was only until 2-days before closing that they notified me that my loan had not been approved. Consequently, they had already setup a settlement date with the title company closing the loan. Both my real estate agent, title company the seller of the property I had intended to purchase were dismayed at this last minute decision. Again, my conversations with Quicken did not adequately provide an explanation other than to say my debit to income ratio did not meet their standards but this was not communicated to me throughout this loan process when started in XX/XX/XXXX. 

Secondly, Quicken initially offered me a pre-approval letter with an interest rate of 3.75 %. However, the rate increased to 4.125 % with no explanation provided. The process for this loan has been very disturbing and has left me without recourse other than to file this complaint with CFPB. 

If you require further information by email address : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (Medical debt) with AmeriCollect (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have balances with XXXX XXXX XXXX and it was turned over to ameri collect collection agency. The agency has listed each account individually on my and my husbands credit report. We have total Balance of {$15000.00} from dates XX/XX/XXXX to XX/XX/XXXX. That is owed to both XXXX hospital and XXXX XXXX. I Have disputed the amount of accounts listed on my credit report as many companies have advised me that this does not seem ethical to have 132 medical accounts listed individually. These accounts range from {$11.00} to {$240.00}. I can understand putting the collection balances on my credit report but not listing it 132 times each individually. I have contacted Americollect multiple times to ask them to combine the balances into 1 or 2 balances they have responded that they will not remove the multiple listed accounts, they also advised that if I paid the balance to {$0.00} they will still be listed individually. My credit report is 30 pages long due to 132 medical accounts listed individually. This should not be legal, it is legal to add collections to someone credit report but not list it individually like that. I have had so many people tell me that this is not legal or ethical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Debt collection (I do not know) with MRS BPO, LLC (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Noticed on my consumer profile that this closed account was on my file, i have no clue as to this company and did not authorize this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2017 about Debt collection (Other debt) with Collection Bureau of America Ltd. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: In XXXX XXXX I received a notification from XXXX that an account was placed in collections. When I checked my credit report and saw XXXX XXXX XXXX XXXX, I immediately called them to inquire about the debt as I had not received anything in the mail and was not aware of it. When I spoke to their representative I was informed that the vendor was a XXXX XXXX and I tried to explain that I had spoken with XXXX XXXX several months earlier when I closed my account as I was going to move to a new address and no longer needed water delivery service. At that time I made a payment to XXXX but apparently, there was still a small amount due. I do n't remember the exact amount but I want to guess it was under {$80.00}. Again, I never received anything in the mail about this and the first I heard of this was through XXXX once it was already too late. I made a payment by phone to the collections rep and respectfully asked if this could be removed from my credit report as it negatively affected my credit score. The collection rep was very rude during this entire phone call and advised me that he was not sure if he could do that since he did not believe my story. I again expressed to him that this was not intentional on my part. I just checked my credit report again today and realized that this negative mark is still hurting my credit score. I would greatly appreciate it if this can be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I live in California, where XXXX and Paid Family Leave is contracted through Bank of America. We receive a debit card that can be set up to receive the payments and directly deposit them into our personal bank accounts. The State of California deposited my final 2 payments onto my Bank of America debit card, but only one of the payments was deposited into my bank account. When I called Bank of America ( XX/XX/17 ) to clarify why they had n't deposited the other {$3200.00} into my bank account, I was told by a representative that I had exceeded the amount that can be transferred in a 7 day period. I then asked if there was anything I needed to do in order to move the remaining balance over and was told that the remainder would automatically be moved over in 7 days. I clarified that there was NOTHING that I needed to do in order to move this money over and was told that there was not. After 11 days, the money still had n't been moved over. I called Bank of America ( XX/XX/17 ) and was told by a different representative that the money was still in my Bank of America account and would not be transferred automatically- rather, it had to be done manually. I asked for clarification and was told that the system does not check for remaining balances that need to be moved over- it only triggers the system to move it over when it is deposited into the account. The only reason I knew that there was a remaining balance is because I was personally keeping track of how much money I was owed through PFL. Otherwise, the money ( over {$3000.00} ) would remain within Bank of America rather than being transferred to my bank account.
<P/>
When I told my husband what happened, he checked his Bank of America account ( he is on PFL for XXXX leave ) and had almost {$2000.00} in his account that similarly had to be transferred manually. He would n't have kn
own to transfer this unless he had called to find out his balance.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: The only way to protect myself after the Equifax breach is to place a credit freeze. It is absurd that the XXXX major credit reporting agencies are allowed to charge money to initiate these freezes. There is no way to opt out of their data collection, they obviously can not keep that data secure, and they want me to pay my hard earned paycheck to each time I need to freeze ( and each time to unfreeze ) my information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, XXXX and Trans Union are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In XXXX XXXX, I utilized Equifax for a credit report, as I do every few years from this company. In light of the recent cybersecurity breach, I chose to check if my data was compromised via the website www.equifaxsecurity2017.com. After supplying my information ( much to my hesitation ), I received the following message : Thank You Based on the information provided, we believe that your personal information may have been impacted by this incident.
Click the button below to continue your enrollment in TrustedID Premier.
[ Enroll ] For more information visit the FAQ page.
In no way did I authorize for Equifax to distribute or make available my personal information. Historically, I have submitted my personal information, including but not limited to my name, DOB, SSN, addresses, and drivers license numbers to Equifax in secure sessions in order to obtain my credit report.
According to the FTC, this breach lasted from XXXX until XXXX. As a trusted credit reporting agency, Equifax should have notified impacted consumers as soon as the breach was known, so that they would be able to take decisive and proactive measures. Instead, consumers such as myself will have to act in fear and with the potential for significant losses.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Debt collection (I do not know) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: this company keeps calling my home number asking for me. then ask for my personal information which i will not give out. they claim i owe a debt and i do not owe anyone or company anything. then they hang up in the middle of me talking which is very rude but yet continue to call my home when i have asked them to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Corelogic Credc o indicated " serious delinquency '' on report provided to my potential home loan lender. I do not have any delinquency.   I tried calling the phone number on the letter provided but was on hold for extended period of time on   X/XX/2017    . I The website provides a link to submit online dispute, however the link page does not contain anyway to submit an online dispute. The consumer assistance page also does not have a link to submit an online dispute and provides only a phone number and mail address to mail the disputes. In addition, there are no fax numbers to expedite a dispute given the lack of online dispute option.  <P/> It is clear that the company is not focused on assisting consumers in resolving incorrect information being used by lenders among other businesses.

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 03/24/2016 about Debt collection (I do not know) with Hunter Warfield, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (NY).
Issue: Managing the loan or lease

Complaint: To whom it may concern, This is my second complaint regarding BMW financial Services. On XXXX/XXXX/XXXX XXXX declared my XXXX BMW 320i Acct # XXXX a total loss and issued payment to BMW financial for {$36000.00}. See Exh # XXXX. 
See EXH # XXXX This was a financed vehicle, on XXXX/XXXX/XXXX Bmw Financial sent a past due notice for {$8700.00} for the remaining balance on the vehicle rather than checking my contract of sales to notice that there was no Gap waiver form signed or offered to me at the time of purchase. They continued to proceed with /after previous calls to BMW and being advised I was no longer responsible, on XXXX/XXXX/XXXX u received a letter that their records do not indicate any discussions about responsibility. XXXX XXXX was no available for questions. Tel # XXXX which is not his direct line and he does n't even take any calls. Not sure why we would state on a letter to please contact him if he does n't take calls. See Exb # XXXX As you can see EXH # XXXX - a letter my account was paid in full, no explanations in any event. I was right and they were wrong. Since last year they have been stating I owed them the balance due on the vehicle, a and once I made the manager Aware that there was no gap waiver form offered or signed by me see EXH XXXX, I should n't be responsible for the balance left over. Bmw Finanical sends me a paid in full letter that does n't state they were wrong, and they should have never been trying to collect from me nor send my personal information to a collection company. The letter appears as if I paid them in full. 
For my aggravation regarding this matter & many sleepless nights I am requesting that this account be deleted from my credit report. I am also requesting to be notified which collection company by information was sent to, and that it is deleted form their database. 
I was harassed & abused by this whole process. On the surface it looks like illegal & unethical behavior on the part of BMW Financial. Do n't know how many other customers just paid instead of doing research to see if they were offered a Gap waiver form. 
Bmw told me they report to XXXX m if that 's the case and true they should be informed of this. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Debt collection (Payday loan debt) with Debt Recovery Solutions, LLC (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter stating I owed money to a debt collector, and I know I never applied for the loan they say I owe. I have asked them to send me the information in regards to where it was sent, and they said they would, but I have never received any information. I now receive numerous phone calls stating that if I can get the information on a previous identity theft, they will reduce the cost. They are not willing to send me any information on where this money was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Someone opened a loan with navy federal credit union bank for {$24000.00}. I noticed because i got alerts from all three credit bureaus. i opened a case with the police as well. United states postal office.
I have no knowledge of this account. I have never received any information on this account to my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation