milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-01-2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax has not removed a fraudulent XXXX/XXXX account from my credit report even though i have filed a FTC Identity Theft Affidavit/Report ( OMB control number XXXX, FTC reference number XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with loanDepot.com, LLC (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On the evening of  XXXX  spoke with a loandepot rep. about refinancing home. Allowed rep to charge my card for credit report. Was asked to submit documentation such as  XXXX , pay stub, bank statements. Which i did not, wanting to look over terms and conditons. After looking over terms and conditions. Contacted rep via email and phone notifying them i was no longer interested in their services  XXXX  in early am. At  XXXX  pm loandepot still charged my card  XXXX  for an apprasial. Contacted rep again to clarify me not wanting the refinance.  XXXX  in early am receive an email with document asking me to sign and lock in agreement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Debt collection (Medical debt) with Jon Barry and Associates, Inc. (NC).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: I filed an complaint against this company in XXXX XXXX. The company agreed to cancel the referenced account and remove it from my credit. It has been reapplied to my credit report again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I received a pre-approved credit card offer from American Express and subsequently applied for the Platinum Card on XXXX XXXX, 2017 ( application # XXXX ). The application was declined and I reached out to American Express New Accounts Team for an explanation - the representative stated that because the reason was that I already have the Platinum Card. I spoke to customer service to have the card account downgraded to another product, and applied again for the Platinum Card on XX/XX/XXXX ( application # XXXX ). The application was turned down for the exact same reason. I called the New Accounts Team asking for a manual review because it was obvious the reasons for the decline were not only inaccurate but also outdated, but the representative kept reiterating the reasons for the decline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: The Credit agency admits the receipt of proper documentation toward inaccurate information being reported from XXXX XXXX XXXX XXXX loan number XXXX They claim they cant find the name of the reporting mortgage company even documents from police department and supporting bank clearly indicates the reason for inaccuracy and removal of the wrong information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Continental Finance Company, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The creditor known as Continental Finance, XXXX, and/or XXXX has reported inaccurate information on my credit reports. The creditor mentioned above reported my account with them as being 30 days past due in the month of XXXX XXXX. This information is incorrect because I made a payment of {$250.00} on XXXX for recent charges to my account that were not yet due. The only charge on my account that was due on the XXXX due date was a {$10.00} fee " MONTHLY MAINT FEE XXXX DE ''. This is confusing because I pay an annual fee to cover the servicing of my account already. In any event, the {$250.00} payment should have covered this fee. This payment was withdrawn from my checking account by XXXX XXXX on XXXX, but was not applied to my account with them. It is also worth noting that I also made a payment in the month of XXXX. I 've contacted them via phone about the 30 day late on my account and was given a mailing address. I sent correspondence via certified mail on XXXX XXXX, XXXX, XXXX, but got no response. USPS Tracking Results show the package as being delivered on XXXX XXXX, XXXX, XXXX. On XXXX/XXXX/XXXX I sent letters out to the credit bureaus disputing the 30 day late. The creditor " validated '' the accuracy of the 30 day late with the credit bureaus. The creditor then sent me a letter requesting proof that I made the payment. I then got a print-out from my bank showing the debit from my account by XXXX XXXX confirming what I told them previously. I mailed it to them on XXXX/XXXX/XXXX, XXXX. USPS Tracking Results show the package as being delivered on XXXX XXXX, XXXX, XXXX. I 've received no correspondence from them as of today. I am reaching out to the Consumer Financial Protection Bureau to assist me in getting this issue rectified. I am most appreciative of your services and look forward to working with the creditor to get this matter resolved.

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 01/29/2016 about Consumer Loan (Vehicle loan) with World Omni Financial Corp. (FL).
Issue: Problems when you are unable to pay

Complaint: I had always paid my car on time and this was my 2nd car financed through Southeast Toyota Finance company. I was laid off from a job and called the company and asked to skip a payment. They told me ( on a recorded call ) that I could pay a little over {$200.00} to skip 2 payments but I had to fax a letter in telling them why. Later, I discovered they marked my credit report 60 days late after taking my money. I called again ( call was recorded by them ) and I was told I used the wrong verbiage in my letter therefore despite paying for skipping 2 payments so it would n't affect my credit, they not only took my money but reported to my credit bureau that I was 60 days late. Since that violates the fair practice law and was deceptive in nature, I told them since they already damaged my credit I would voluntarily surrender the car because I had paid them for 2 years, on 2 cars, on time and the first time I had financial problems they took advantage of me by having me pay to skip payments to protect my credit only to state later that the verbiage on my letter was not exactly what they wanted so I was reported as 60 days late. Then, they sold this 2014 XXXX in perfect condition, with a little more than XXXX miles on it for only {$15000.00} and are now coming after me relentlessly for {$19000.00} when the car was not even worth {$34000.00}. They are doing this to a lot of customers. They ca n't take money to skip payments, then turn around and say wrong verbiage made the agreement null and void and report people late on their credit reports after taking their money. What they did to me violates the CFPB deceptive practices regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Keep saying accounts remove from my credit profile. But its still showing accounts on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: If you could help me I would truly appreciate it. There are two XXXX XXXX XXXX XXXX reporting on my credit file that are not mine. I did not sign for them and even the name is different. They belong to my brother XXXX XXXX XXXX. My name is XXXX XXXX XXXX and the mortgages were opened under his name. His social security number is very close to mine the last two digits are the only numbers different. I have tried to dispute this with the bureaus and for some reason Experian is the only one that continues to report this under my name. I don't know if it's XXXX or if it's Experian but this is not mine and I have never lived at the address for which these mortgages were attached. These belong to my brother XXXX XXXX XXXX and not me. I am XXXX XXXX XXXX. I have also attached records showing the information belongs to him.

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 03/28/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: When I took out my loan I did not put down 20 % equity and had to add private mortgage insurance. I was advised once my loan hits 80 % loan-to-value ratio the private mortgage insurance would be dropped automatically, or I can request in writing that it be removed early if the equity in the home is above 20 %. I contacted Ditech because my realtor ran comparable pricing in the area and found my home had gained more than 20 % equity thus allowing me drop the private mortgage insurance. When I contacted Ditech they stated that they would have to have an appraisal done, which I would be charged for, but they would have to pick the appraiser. I allowed them to proceed because my realtor had informed me the pricing would be well above what was needed. When their appraiser finally provided a value on the home it was 80.6 % loan-to-value. This very much seems like Ditech influenced the value of the home because the comparable sales that the appraiser used do not support her pricing ( I am filing a complaint with the Arizona board of appraisals against the appraiser ). I have since challenged Ditech on the value that they gave my property and the authenticity of the appraisal that was completed by their appraiser. I have sent Ditech supporting documents showing that my home value is higher than their appraiser and Ditech has ignored all other relevant data and are denying removing my private mortgage insurance. At this point, after over 6 months of dealing with Ditech I was forced to refinance my home with another company that was baffled that Ditech could not see the proper home value, they refinanced our loan without even doing an appraisal. I also received from Ditech my original signed documents CLEARY showing that there was NO documentation about the condition they are now holding too. Ditech is claiming that I agreed to a seasoning period with the PMI and that because my loan is less than XXXX years the 80 % condition is changed to 75 %. The Private Mortgage Insurance Disclosure, that I signed, only references that the loan-to-value must reach 80 % or on XX/XX/2022 Ditech would be forced to remove it themselves. In the document I signed and the discussion I had with loan officer that handled my loan there was NEVER a mention of the 2 year seasoning or the 5 year 75 % requirement. Ditech is manipulating the situation to only benefit hem.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent a detailed letter questioning the validity of my collections account, in a certified letter to each credit bureau. As of now it has been more than 60 days and still have yet to receive a response

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Credit card debt) with CL HOLDINGS LLC (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: A company called "  Jefferson Capital Systems ' ' is trying to collect a debt. They call my place of employment literally every day. I wrote them a letter to stop contacting me at my place of employment. They continued to call me at my employment plus leaving messages as well.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (KS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I purchased a new car from XXXX XXXX in XXXX Kansas this past XXXX, XXXX. Before going to the dealership, I submitted my information online to be pre-qualified for financing. Once getting to the dealership, they checked my credit again without looking to see that it had already been done. They worked hard to get me financed and were finally successful. 
By the end of the week I saw the two XXXX XXXX hard inquiries on my credit report. In addition to that, XXXX XXXX checked my credit a third time without my knowing. And they also submitted my information to 11 other finance companies and authorized them to pull my credit individually WITHOUT MY KNOWLEDGE OR CONSENT. This whole process created a total of 14 hard inquiries on my credit reports ( XXXX showed all of them ) and brought my score and borrowing power down for the next 2 years. 
The first time I bought from XXXX XXXX XXXX XXXX XXXX XXXX they shopped me around for financing WITHOUT authorizing other companies to check my credit independently. I NEVER would have agreed to 14 credit checks. I would appreciate it if these were removed. 
I have tried to contact XXXX XXXX and a few of the other companies but I never am able to talk to anyone who has the power to remove these inquiries. So I am stuck with no reprieve or apology.

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 01-10-2018 about Debt collection (Other debt) with National Credit Systems,Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is my 2nd complaint FILED AGAINST NATIONAL CREDIT SYSYTEMS.

COLLECTION ACCT # XXXX. NATIONAL CREDIT SYSTEMS IN C.F.P.B., COMPLAINT # XXXX RESPONDED TO C.F.P.B. THAT THEY WILL STOP THE FULL COLLECTION EFFORTS ON THIS ACCOUNT, HOWEVER THEY DID NOT STATE THAT THE COLLECTION THEY REPORTED TO ALL 3 MAJOR CREDIT WOULD BE DELETED! WHEN I CALLED THEM TO ASK IF SUCH ACTION WAS TAKEN TO DELETE THE COLLECTION FROM ALL CREDIT BUREAUS, THEY HUNG UP THE PHONE ON ME, WHICH HAS NOW PROMPTED THIS 2ND COMPLAINT. NATIONAL CREDIT SYSTEMS HAS DAMAGED MY CREDIT RATING BY MALICIOUSLY NOT DELETING THIS COLLECTION, THAT NOW THANKS TO THE C.F.P.B. THEY REPLIED IN THE PREVIOUS COMPLAINT. I NEED NATIONAL CREDIT SYSTEMS TO SEND YOU IN WRITTING THAT THIS COLLECTION WILL BE NOT ONLY BE CEASED IN COLLECTING BUT WILL ALSO BE DELETED FROM ALL CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (VA).
Issue: Problems when you are unable to pay

Complaint: I have a auto loan with Santander Consumer USA, originally brought by XXXX. My issues is when I had failed behind my payment back the later part of XXXX due to I was laid off but I did get my account to current in XXXX XXXX. At that time, I asked the representative if I pay my balance will that restore my account back to good standing and that it will be reflected on my credit report and updated. She said yes it will. On my credit it showed chargeoff and the representative stated that it will take about 5-7 business days for XXXX will update my credit so it will not reflect the charge off. Since I had brought my account to good standing and making my monthly payments on time, I just happen to look at my credit report a couple months later and I still see a charge off. I called XXXX and explained to them of what 's going on and the representative apologize and stated that she will sending a message to the credit department so they can get that updated. I was like ok, maybe something was crossed up in the system the first time of why it was n't done. I checked my credit again a month later and the charge off is still listed but it does show my payments has been reflected on the account. I called XXXX again and she transfer me to the credit department. The young lady then tells me that my account has been restored back to good standing and they see where I 'm making payments on time but the chargeoff will remain. I told her that do n't make sense and they still sending me monthly statements each month for my payment and also shows the payment receipt. Also I 'm about to obtain my payoff information. I told her that is not best business practice b/c even my account is showing good standing it should be reported to the credit bureau in good standing instead of it showing collections/charge off. This has been a negative impact on my credit big time and this company is not truthful and is not operating legally when it comes to consumer accounts of reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Numerous times have called to get a payment that was affordable to my budget. I was told there was nothing they can do to help me with payments at almost XXXX $ a month. That would leave me on the streets! At one point I was in an affordable plan and was told just call to renew the plan I did and was told I can not get back in the same plan! It 's a scam and they do not work with you! And mKe more money by allowing customers to go into default intentionally!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other

Complaint: I have XXXX different Capital One Credit Cards, accounts ending in XXXX and XXXX. Capital One is reporting late payments on both of my accounts. I have disputed the late payments and asked for them to please provide me with the date the accounts became 30 days late, the date that I called them with my payment or hen th payment was withdrawn from my bank and the date the payment was credited to my account. I have sent 3 different letters to Capital One Bank in XXXX XXXX XXXX and the response I get back from them is : " We have confirmed the late payments. '' They are refusing to provide proof that the payments were indeed 30 days late and are refusing to provide me with information that I, as a consumer, am entitled to receive under the law. I have never disputed that the charges are mine nor have I stopped payment on the accounts, all I have asked is that they provide me proof that the 30 days late payments they are reporting are correct. Since they have refused to do so on several occasions, I believe that they do not have proof that the accounts were paid 30 days late. Capital One Bank is know for holding payments for a day or two if the deadline for 30 days is close. Do I admit that I have come close on those dates that they are claiming 30 days late, yes I have no problems admitting to that, but every single time I have made a payment I make sure to ask : " This will not put my account into 30 days late correct? '' And every single time I have been assured by their Customer Service Representative, " No, you 're paying within the 30 days so you will not be late ''. I feel that Capital One Bank is not being up front and honest and providing a customer with what they are required to do by law.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (TX).
Issue: Shopping for a loan or lease

Complaint: I traded in a vehicle with the intention of getting {$1500.00} back from the car that was traded in. The sales manager, XXXX XXXX, guaranteed that my funds would be available by Friday XXXX or Monday XXXX " at the absolute latest '', presumabley to deter me from going to a different dealership where I could get the funds same day. I have called multiple times for the past week, and could not get returned phone calls or emails from XXXX or the GM, XXXX XXXX. I filed a corporate complaint as well to no avail. XXXX finally began communicating with me on Wednesday XXXX stating that I could come pick up my check, only to call back later stating the check system was down. Today, he has stated that he is working with an accountant to remedy the issue but at this point, it appears they have no intention of remitting the {$1500.00}, even though I have a " we owe '' from the dealership.

Company response to consumer: Closed with explanation