milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-02-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Managing the loan or lease

Complaint: I paid my vehicle loan company ( Santander consumer USA/ Drive Financial ) through my banks XXXX electronic funds transfer system on XXXX XXXX. XXXX XXXX I received a voice mail message stating that my car note was late. I immediately called the etrade who gave me a confirmation number provided to them from Santander. I then called Santander and was told that even though I had a confirmation number I would need to submit a copy of my bank statement showing the said transaction. I sent my bank statement on XXXX XXXX and an additional document showing all of my bill payments to Santander. After Santander received the documents I was told they were insufficient and I needed a copy of the electronic funds transfer or the check that etrade sent to them. I called etrade and was told that they have no way to provide me with either piece of documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My name is XXXX XXXX XXXX and my address is XXXX A XXXX XXXX XXXX, Md XXXX all of the other names and address are wrong and incorrect that appear in my credit reports are wrong.

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 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (HI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The info midland provided to credit reporting agencies are contradictory to the letter they have sent to me. Specifically the last payment date should reflect XX/XX/XXXX both in their letter to me and to their report to the agencies, which is not the case they stated it was XX/XX/XXXX to the agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. I am not associated with these following address : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My name is : XXXX XXXX XXXX Please delete any variations of my name.

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 03/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XX/XX/2018, I received a letter from XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, MA, XXXX ) about my mortgage loan number XXXX, responding to an Automated Credit Dispute Verification ( ACDV ) for my loan accounthrough the XXXX  credit reporting system. 
Upon reviewing the loan account by the XXXX XXXX compliance Department, it has be determined that the credit was legitimately reported to the Credit Reporting Agency. 
There are no surprises- I do not think they will claim otherwise even though the admitted that the second mortgage account I have with XXXX XXXX was corrected per dispute request.

I was angry, and I sent I believe an inappropriate massage blaming them for wrong doing. 
I apology for my fast reaction. 
However, in that letter and in this one I am claiming that it is unfair, to send a credit report of late payment for a mortgage that is being payed automatically every month for more than seven years and over {$700000.00} payments that I was late. 
XXXX XXXX changed the payment because of interest change and did notify us on time or we did not get the notification on time, no one called ahead of time and there was no way to know. The late payment. is foe may $ XXXX. To destroy my credit report {$130.00} as compared to {$700000.00} I think is not just unjust and agravating but is insulting to the whole credit reporting system, if it is acceptable. 
I really love to see if there is a possibility of an audit for how many times the bank did the same so the customers will not be able to remortgage and the bank can take advantage of the interest change. 
I know my request may sound outrageous but it is a real possibility. 
Luckily I can pay, others may lose there home do to an unfair reporting. 

Thanks for investigating, 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 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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 disputed XXXX XXXX multiple times with XXXX and Experian I do NOT have a written contract with them for any debt collection. I asked multiple times I needed validation of debt with my WRITTEN SIGNATURE of the contract with XXXX they have failed to provide that information. Per LAW I am required to have that type of validation and that has NOT been sent to me. Bills and statement do not constitute a debt validation. XXXX has already removed the information and the other 2 major bureaus have not. They are hindering me from purchasing a home.

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 02-05-2018 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: Their investigation did not fix an error on your report

Complaint: COMPANY : XXXX XXXX WHICH I HAVE NEVER HEARD OF THEM NOR THIS PROBLEM TILL IT SHOWED UP ON MY CREDIT REPORT I HAVE NEVER RECEIVED MAIL OR KNOW OF THE EVENT THAT TOOK PLACE IN THE SAME ( TRANSUNION XXXX AND XXXX ) HAS ALREADY TOOK IT OF MY CREDIT REPORT JUST SEEING IF YOU WILL DO THE SAME THANK YOU SO MUCH BECAUSE ITS BEEN A YEAR WITH THEM REPORTING AND REMOVING DEBT OFF MY FILE.

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 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Problem with fraud alerts or security freezes

Complaint: On XXXX XXXX, I attempted to secure credit freezes with XXXX and TransUnion. This was quickly accomplished online with XXXX and I received confirmation of the action and was billed immediately. My experience with TransUnion has been a polar opposite. When I went online at XXXX XXXX site, I found that the " Credit Lock '' tab directs you to signing up for their monthly monitoring service which I mistakenly opted for and received an email of the billing. I corrected this an hour later by the phone number contained in the subscription email and was assured by the XXXX representative that the subscription would be cancelled and that a freeze would be placed on my credit account. I then received only confirmation of the cancellation and no notice regarding the freeze. Today, XXXX XXXX, I have spoken with four separate XXXX representatives to determine if I had a freeze on my account. The first three representatives could not help and gave me toll free numbers for others at XXXX who could help. Only the last representative was able to indicate that I had a " lock '' on my account. When I asked the difference between a lock and a freeze, I was informed of some vague difference with the caveat that a freeze was harder to remove. I still have yet to receive any confirmation of this status by email despite receiving other emails from XXXX and seeing nothing on my online profile which confirms or explains my credit status. This process for a much-publicized credit reporting service should not be difficult, especially in view of my XXXX experience.

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 07/27/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ).
Issue: Transaction issue

Complaint: A fraudulent charge was made on my XXXX Credit Card on XXXX XXXX, 2016. On XXXX XXXX, 2016, I called USAA Customer Service and was told my card would be cancelled in order to prevent additional fraudulent charges from being made and that my account would be credited for the charge. I have never received the credit despite numerous calls to USAA Customer Service. Each time I call, I 'm transferred to different departments, but none of them see to be able to resolve the issue. They seem to be making absolutely no effort to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Mortgage (Home equity loan or line of credit) with TD BANK US HOLDING COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I have been paying on time for the last XXXX years a HELOC with TD Bank. Back in XXXX 2015, the bank sent me a letter stated that the terms of the loan will change and I will have to pay the loan in XXXX years with a payment XXXX times higher than the original. I 've been trying to refinance, change the loan terms, a modification, all without success. I am already in default for XXXX months and the bank sent me an intention of foreclosure of the property. This is a XXXX home that is rented and I share ownership with my brother ; the main mortgage on the property is paid off. I do n't understand why the bank do not approved a modification and help me with an affordable payment.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Inquires not authorized being reported on credit report XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX 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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Since XX/XX/XXXX I have notified Equifax that there are several inquiries on my credit report with them that do n't belong to me. The first asked that I contact companies directly which did and never received any responses. Just recently as XX/XX/XXXX I reached out to Equifax again and was told the information was factual but they are refusing to show me proof that I have applied for credit with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is updating my XXXX XXXX accounts with bogus information. The XXXX accounts are with a company under a rehab plan. Equifax has update this item numerous time with bogus information in an effort to keep my score low. I contacted the XXXX who advised that they do no update while the loan is in rehab however Equifax has updated numerous times with incorrect information. I have also found that Equifax is reporting XXXX set of payments on their equifax.com credit monitoring service and a different set of information on another monitoring service that I have with wellsfargo credit monitoring. It seems as if Equifax is keeping several sets of records. I have had numerous problems with Equifax over their practices and currently pondering a XXXX dollar suit against them. I most recently noticed that they listed XXXX accounts XXXX days for the last XXXX months. The account has been in rehab for the last XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Debt collection (Non-federal student loan) with GC Services Limited Partnership (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Contacted my former landlord about alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2017 about Debt collection (Medical debt) with Kansas Counselors of Kansas City, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The last time I went to  this dr my b ill was paid in full. They also charged me too much money and gave me the remaining balance back. They also charged me for xrays that were not given. This matter I thought was dealt with. I want all bills and payments showing this is owed. I also had insurance. They messed up every time I went in there. I do n't owe anything to  this dr . I am paid in full every time I seen this dr ( co   payment ). You have to pay any amount due otherwise they wont see you. I do n't owe anything. I want this removed from my credit file right away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2016 about Debt collection (Medical) with Fredericksburg Credit Bureau, Inc (Closed) (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a couple medical payments in collections I have no idea where they are from or for what

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have several ( XXXX ) inquiries on my account that are unauthorized and the credit bureaus will not delete inquiries

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 02/26/2018 about Money transfer, virtual currency, or money service (International money transfer) with Remitly, Inc. (NJ).
Issue: Other transaction problem

Complaint: I tried to send money to the XXXX but Remitly just cancelled it for no reason and the thing that made it worse was they deducted the money from my bank account and when I called their customer service they just told me that they will refund my money within 3 days. Although they returned my money within 3 days but I was not able to send money anymore on that day to my love ones in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I applied for the application for withdrawal of file form XXXX, Notice of Federal tax lien ( form XXXX ). I was approved on XX/XX/1016. On multiple occasions I have disputed this with Equifax, providing Equifax with copies of the IRS release forms ( which I will also attach here for you ). I have also verified that the county lien withdrawals have been recorded. Equifax continues to improperly report the liens and refuses to recognize the withdrawal. The other CRAs ( Experian and XXXX ) removed the liens from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/15/2015 about Credit card () with CITIBANK, N.A. (MD).
Issue: Late fee

Complaint: Hello, I have disputes with XXXX different companies to remove derogatory items affecting my credit score. 
Prior to this issue my credit score was XXXX. 
I desire to get my excellent credit rating back on track. 
I feel like I am being bullied by these companies and have tried everything I know to do with no results. 
I am disputing the following : Below is a full description and resolutions of what is required to receive an XXXX credit score, time is of the essence, I desire to purchase my dream home in XXXX. 
The merchant accounts amount as follows : XXXX XXXX $ XXXX XXXX XXXX {$1200.00}. 
Both XXXX and XXXX XXXX have passed that statue of limitations to collect a debt in New York and XXXX. 
Resolution : They must remove this off my credit. 
& XXXX ; Dispute Explanation & gt ; Item XXXX and XXXX was my credit card processing and equipment companies. I closed my company in XX/XX/XXXX which obviously I needed the equipment. I contacted the companies that I closed my businesses and never heard anything from them until XX/XX/XXXX, when they put the the negative items on my credit report. 
& gt ; XXXX : I want both of these charge-offs removed. 
& gt ; 1. XXXX & gt ; XXXX XXXX XXXX XXXX. 
& gt ; XXXX PA. XXXX & XXXX ; 2. XXXX XXXX XXXX & XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX & gt ; XXXX, Il XXXX & XXXX ; XXXX XXXX XXXX XXXX & gt ; 3. XXXX & gt ; XXXX XXXX XXXX. 
& gt ; XXXX OH XXXX & gt ; XXXX XXXX XXXX XXXX & gt ; Dispute Explanation & gt ; XXXX is stating that I was XXXX months late which I was n't and it confirms I was not on my credit report. According to their credit policy a late credit reporting is only done when a person is XXXX months late not XXXX days late. 
& gt ; Resolution : I want the XXXX day late report removed. 
& gt ; & gt ; XXXX. XXXX & gt ; XXXX & gt ; XXXX, FL XXXX & gt ; XXXX XXXX XXXX XXXX & gt ; Dispute Explanation & gt ; XXXX which issued my XXXX. I had a XXXX balance with this company and they took the liberty to check my credit score and made an executive decision to close my account which adversely affects my credit score. 
& gt ; Resolution : I want my XXXX XXXX re-opened because they did not have permission to check my credit score after my credit card was approved. 
& gt ; 5. XXXX XXXX XXXX & gt ; XXXX XXXX XXXX XXXX. 
& gt ; XXXX XXXX South Dakota XXXX & gt ; & gt ; XXXX XXXX XXXX XXXX & gt ; Dispute Explanation & gt ; Years ago I closed this credit card with a XXXX balance. 
& gt ; & gt ; Resolution : I want this credit card removed from credit report because the closed credit card like the XXXX card being closed adversely affects my credit card. 

Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Caliber Home Loans is refusing to provide me with an actual accounting of my impound account. The loan they were servicing was paid off when I sold the home. Escrow closed on XXXX XXXX, 2016. They sent a check dated XXXX XXXX, 2016 to me indicating it was an " escrow release - paid in full ''. On XXXX XXXX, 2016 I spoke to XXXX at Caliber Customer Service asking for an accounting of the impound account with actual numbers - not estimates and projection. She said it would be sent. Instead I have received a letter stating that my request for " mortgage release documents '' had been sent to the Servicing Department and I may or may not be the one who will receive the document. The impound account contained my money. I think I should be able to get an accounting of what Caliber Home Loans did with the money.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Loan # XXXX Property : XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX This is an addition to Complaint/Case # XXXX despite repeated payment of my Mortgage due on XX/XX/XXXX, Nationstar Mortgage returned the payment without any reason. First off, I have been hospitalized since XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX. Consequently, I am not in the US. I am in XXXX. The address of my family is the following : XXXX. XXXX, XXXX XXXX, XXXX Tel : XXXX XXXX XXXX. 
Now, Nationstar Mortgage has absolutely no reason to refuse the monthly payment. I am XXXX Veteran. My ONLY source of income is my VA XXXX and an allowance from the Social Security Administration. 
I became eligible and approved for a Permanent HAMP-Making Home Affordable Program. Consequently, the amount due/Mortgage Payment is PERMANENT for a period of six years, providing that I do not miss any payments. This is exactly what Nationstar Mortgage is trying to achieve, by refusing the monthly payment Nationstar Mortgage has made repeated attempts claiming that I have missed payments, because this will automatically cause me to lose this Permanent HAMP Program. However, the XXXX immediately sent Nationstar Mortgage Bank Statements clearly indicating that absolutely no monthly payment was missing. All payments are automatically sent on a recurring basis. Nationstar continued their extremely aggressive campaign of calling my house several times during the day and night-repeatedly, non-stop with claims of missed payment. In XX/XX/XXXX, I received an email and phone calls that my house was broken into. XXXX, I flew home. However, I XXXX had to be rushed back to the hospital. Once more, I have a permanent HAMP Loan. Nationstar Mortgage can not increase the Loan or refuse Payment. XXXX, and XXXX willing, I am hoping to be back in the US in XX/XX/XXXX/XX/XX/2017. Nationstar Mortgage has a history of repeatedly trying to force Foreclosure Proceedings, claiming that monthly payments were missing. This is the fourth time that I have filed a grievance or complaint, and they simply ignore the complaint, and after a while, they start the harassment all over again. I am XXXX Veteran, XXXX years old, very sick and unemployable. I can not afford an Attorney. Please, please help me to end this terribly nightmare. You must insist that they reply to this complaint. They have failed to reply to all of the other complaints made. This XXXX has caused serious setbacks, XXXX. If this keeps up, it will eventually XXXX. Please, XXXX help me.

Company response to consumer: Closed with explanation