milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and been a victim of identity theft for quite some time. Someone stole my personal information and identity to open 2 personal loan accounts that are fraudulent and unauthorized. The following personal loan accounts do n't belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX, Loan Number : XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, ( XXXX ) XXXX, Loan Number : 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 non-monetary relief
Consumer complaint received 07/25/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: Signed up for Citigold XXXX XXXX AA miles promotion. Completed all the necessary requirements and was promised points numerous times by several employees via phone and secure message. I was told the points would post no later than XXXX, it is now the end of XXXX. I am incredibly frustrated and all of the cases that have been opened from my phone calls have mysteriously disappeared. Citi has NOT delivered on their promise. Incredibly frustrated, and a shame that they treat loyal customers this way.

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 04/20/2015 about Mortgage (FHA mortgage) with LoanCare, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to Loancare around XXXX 2014 and since then I have had to call and make them take my payments off of the " principal '' and put it back to monthly payments. I have always been ahead on my mortgage only to be told by Loancare that they put my payments to principle instead of my payment every single month,. I am furious that I have to keep fighting for the true status of my mortgage because XXXX XXXX decided to sell my mortgage to the most incompetent people in the mortgage company business. I want to find out how I can get away from this nightmare company, and the hours of phone calls to these morons! We all deserve better than having our mortgage sold to such incompetent, and rude people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 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: This is my second complaint because I 'm very dissatisfied because I still do n't have any proof of validation and You closed my case. My prior complaint # XXXX. The only thing provided was an old statement from 2014 from XXXX XXXX. I have sent them a certified 609 letter to validate and Midland still has not done so. I have copies of all my documents and receipts sent. I demand it to be removed immediately! 

And according to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) Midland Funding is required by Federal Law to verify-through the  physical verification of the original signed certified consumer contract of any and all accounts you request to be posted and/or reported on a credit report. 
And has not done so!!! 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with Wet Ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for this account. 

Under the FCRA, unverified, invalid accounts must be removed. 

Midland Funding, has been unable to provide me with proof. 
The law is very clear as to Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) since Midland has failed to comply with the Federal Law. 
I demand this collection removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not properly secure my personal and financial information, resulting in a data breach that put that information into the hands of unauthorized users. The website they set up, using non-secure methods and on a non-affiliated domain name with anonymized who-is information and improper SSL encryption, reported this.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Vehicle loan or lease (Loan) with VW Credit (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX, XXXX I returned my XXXX Volkswagen TDI to Volkswagen as part of the TDI diesel settlement. <P/>On XXXX/XXXX/XXXX I asked Volkswagen Credit of America why even though my account is being shown as closed why {$12000.00} is still being shown as an open amount by credit reporting agencies. On XXXX/XXXX/XXXX they sent me a XXXX balance letter an indicated that it would take 30-90 days for the credit reporting to take affect. <P/>The first of XXXX XXXX I contacted the Volkswagen Credit of America Toll Free number and was informed that they would forward to a special credit reporting group and send me a letter when completed. <P/>As of XXXX XXXX, XXXX the balance is still being shown as open by credit reporting bureaus. Since my loan was paid in full on XXXX XXXX, XXXX I wish to show the open balance of my account with VW Credit as XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: The credit reporting agencies are in violation of the FCRA, section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify these account, and have not.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have submitted several attempts to get this information deleted from my credit reports as it is damaging to my credit and ability to find substantial housing for my family and I. As apartments will deny you with a bankruptcy. However, I have reached out to t he US Bankruptcy Court  of  XXXX  - and they have assured me they have not given any of my information to any credit or reporting bureaus ; therefore there are no true validations to their claim. I did not file bankruptcy and this is incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX collection services inc keeps putting a collection account from XXXX from XXXX on my credit report. I do not owe this debt. XXXX owned the debt and removed it XXXX XXXX. Stating they do not have record of me ever having a XXXX account. 

XXXX never sent debt verification letters and XXXX does not have the right to collect under the claim of Minnesota Fair Debt Collection Practices Act XXXX LICENSING AND REGISTRATION. 

Subdivision XXXX. Requirement. Except as otherwise provided in this chapter, no person shall conduct within this state a collection agency or engage within this state in the business of collecting claims for others as defined in sections XXXX to XXXX, without having first applied for and obtained a collection agency license. A person acting under the authority of a collection agency, as a collector, must first register with the commissioner under this section. A registered collector may use XXXX additional assumed name only if the assumed name is registered with and approved by the commissioner.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (MA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: I purchased this vehicle at a desperate time. Santander approved the loan which was considered a bad loan ( See XXXX million settlement information for Massachusetts ). I got to a point where i could no longer pay for the very high vehicle payment ( {$550.00} ) interest rate of 21 %. The vehicle got repossed two times. i will include why they violated all of my rights and didnt follow the law. 

1. When i was late on the payment they were very aggressive on the phone with me and threatened me with repossession and yelled at me. 

2. called my employer, requested a supervisor and told my supervisor i was late on my car payment and that i needed to make a payment. Gave him details of my account. days i was late and amounts. 

3. I didnt receive notices prior and right before the repossession.

4. the car was repossessed from my long shared driveway. my car was all the way at the end of the driveway. it is shared by 2 houses with one of them being condominiums and owned by 4 owners. Not in a public way and didnt get permission from anyone to go in the driveway. This is against the law. 

5. on the repossession mentioned above. it was conducted at XXXX. I only know this because the repo man knocked on my door, rang the bell and woke me up. totally disturbed my peace and my neighbors who all woke up. He showed me the order from santander for repossession. 

6. I received the vehicle after paying crazy fees. when the vehicle was taken it was damaged and also involved in a hit and run. i got a check from the insurance to repair it. 

7. i continued to struggles with backed up payments. the repair check was sent to santander. i called and told them i planned to return the vehicle but wanted it fixed first prior to selling it at auction. 

8. I took the vehicle to an autobody shop. he could not get the check from santander who refuse to release it. Eventhough the check was from my car insurance that i paid for and had every right of the check. 

9. Santander once again violated more rules and repossessed the vehicle from the auto body shop. talked to the owner and he said they never released the check and they showed up in the morning and took the vehicle. 

10. the car was never repaired as requested by the insurance. the vehicle was sold at auction damaged and i never received any notice of the sale or anything. the insurance check is still unknown what happened to it. they cashed it? spend it on gifts? i dont know. 

11. Santander is still haunting me. i cant purchase a home for my family and live in a tiny apartment because they destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX is reporting a collection account for XXXX XXXX XXXX in error. This account was paid by XXXX XXXX XXXX XXXX XXXX, and should not have gone to Collections. 
XXXX XXXX NEVER validated this debt with XXXX XXXX, nor did they validate that it was paid by XXXX XXXX XXXX XXXX. I have never received nor authorized anyone from XXXX to validate with XXXX XXXX so I know they never have. 

Per the FCRA Section 809 they have not properly validated the debt, and it should be removed from my Equifax Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Debt collection (Other debt) with Conn's, Inc. (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Received 3 phone calls in less than an hour from them regarding my bill repeatedly trying to obtain card and payment information over the phone. Just patiently waiting the next call. They used several different phone numbers. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. They use two number which are deceptive as they are not clearly from the company unless you look the numbers up on XXXX. 

The agents on the phone are extremely pushy trying to collect on you even though you are not late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/28/2016 about Mortgage (Other mortgage) with QUICKEN LOANS, INC. (NC).
Issue: Application, originator, mortgage broker

Complaint: Quicken Loans Mortgage Company has been making credit inquiries on my credit report since XX/XX/XXXX. Quicken Loans are using a Company call XXXX to make inquiries on my credit report. Quicken Loans / XXXX are causing my credit score to decline from mid scores of XXXX down to lower scores of XXXX on my credit record due to their inquiries. I need this stopped immediately and my credit score returned back to XXXX+ score, prior to a mortgage loan they process for me doing that time. 
Documents Quicken Loans would need Finance XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX/XXXX/XXXX at XXXX To XXXXXXXXXXXX Message body XXXX We would need : XX/XX/XXXX & XX/XX/XXXX Tax returns XX/XX/XXXX & XX/XX/XXXX XXXX XXXX paystub dated within the last 30 days Lease agreement for rental property. 



XXXX Quicken Loans XXXX XXXX | Mortgage Banker Direct : ( XXXX ) XXXX | Toll Free : ( XXXX ) XXXX XXXX Cell : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX | XXXX # XXXX Highest in Customer Satisfaction in the U.S. by XXXX. XXXX XX/XX/XXXX - XX/XX/XXXX Primary Mortgage Origination | XX/XX/XXXX - XX/XX/XXXX Mortgage Servicing

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Credit card () with BARCLAYS BANK DELAWARE (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have contacted Barclays Bank Delaware on several occasions attempting to resolve my consumer complaint regarding their handling of my credit card dispute. I notified Barclay Bank on several occasions that I had no knowledge of a credit account that was showing as charged off on my credit report. they continued to report it as well as sold it to a 3rd party without initiating an investigation. In addition after reporting the account to them no less than 4 times as well as sending them written notification of dispute they continue to give the run around and extend the time of their investigation. I have requesting immediate resolution and have not received any such resolution. I continue to get the run around from Barclays Bank Delaware in my attempts to resolve this matter. The representative have cited incorrect sections of the Fair Credit Reporting Act in order to justify their actions and treatment of this matter.

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 02-11-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have tried for at least 6 months to get items that are incorrect and or not mine removed and XXXXEquifax seem to do whatever they want with my credit. I have submitted documentation and reached out to the original creditor etc. I do not know why it seems the information the bureaus get does not seem to match what I receive. I am tired of this battle an then it takes more than 30 days to get a response to my issues or I wait all this time for the same response that they WONT RE-INVESTIGATE. Why do consumers have to deal with this? I am so close to being a First time home owner and its like i am fighting a never ending battle about MY CREDIT! I am to the point of wanting to sue as this is so XXXX to deal with and no one wants to get on the same page. I have accounts ( XXXX ) that get deleted for Fraud a year ago and the company sells the account to another source and they change the amount to try and make it valid of mine under the new source???? ( I attached this as an example ) This is crazy. I 'm ready for my credit to feel protected and accurately reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have an item from XXXX XXXX out of XXXX XXXX, CA they are reporting that I owe almost {$2000.00} on an apartment lease and yet they will not provide the lease agreement. I know that I did not sign a lease agreement with them everything was under my wife 's name at the time and it should not be reflecting my credit at all. If they choose to place this on my credit report than they should be able to provide proof that I owe the debt. I have requested copies of said lease agreement from both the apartment complex and the collection agency and neither have responded to me. I feel that if they claim to have a debt with my name associated with than I have the right to at least see the proof behind it.

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 12-08-2015 about Debt collection (I do not know) with MNS & Associates LLC (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX members of my family and I have all been called numerous times by XXXX XXXX XXXX stating they have legal documents to serve and wanting to verify my information. The call comes from a XXXX number XXXX XXXX XXXX and refuse to say who it is or what it is in regards to.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Billing disputes

Complaint: Problem with bank producing evidence of a contractor filed a certificate of completion to have the funds released who has claimed he has finished his job and collected from a credit account # XXXX -- XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit reporting () with CITIBANK, N.A. (NY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: As per attached letter, Citi admitted that it obtained access to my credit report without my permission. It also stated that it would remove the inquiries back in XXXX. After speaking with the credit agencies, only Citi can remove these inquiries. Please remove them asap. I will hire a lawyer to sue Citi for accessing my credit report. This is illegal.

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 12-12-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: My checking account was compromised and monies removed without my knowledge. The fraud committed was at four branches of the Bank Of America on the same day in Georgia. Person or persons withdrew {$18000.00} over four times in the same day. Based on the bank records Tellers paid the person or persons in cash from the four Georgia locations. Where was the security and bank due diligence? The account is located in XXXX at the XXXX XXXX location. I filed a fraud claim and the Bank Of America denied it. They gave away my money without a notice to me or a challenge to the fraud person. I 'm in XXXX and someone is stealing my money in Georgia and the bank did nothing. The next day I viewed my account and went to the branch office and filed a fraud claim. My wife and I gave them our debit cards and the office manager disposed the cards and we closed the account. I have filed an appeal to their decision and awaiting a final decision to my appeal. In the mean time I have filed a police report and will taking additional steps until this issue is 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 monetary relief
Consumer complaint received 05-04-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I made a purchase with Best Buy They said I had 12 months no interest. After 12 months they said I would be charged on the remaining balance. After 12 months I was charged {$540.00} interest. I called and they said sorry about Best Buy not informing me correctly but now I had to pay the remaining balance + {$540.00}. This is an absolute scam. I thought I was going to get charged for interest on the remaining balance not on the balance since the beginning! What is the point of this!?? It 's a pure scam! : ( 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 monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Circle Internet Financial (FL).
Issue: Fraud or scam

Complaint: XXXX XX/XX/18 received {$20.00} in account, acct was placed in security review have yet to get my money XX/XX/18. 
They want my bank statements why?

Company response to consumer: Closed with explanation