milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX  is saying that I owe {$550.00} for a Dentist bill. I have no outstanding bills with this hospital or   XXXX   XXXX  . This was not me

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Due to the dramatic decrease in my credit score, a company closed my account due to the fear of my financial struggles. The card was paid off completely and did n't have any open credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX  XXXX XXXX was paid last year in XX/XX/XXXX. They are improperly reporting on Equifax credit report charge off balance XXXX. The balance is {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Payday loan () with Advance America, Cash Advance Centers, Inc. (TX).
Issue: Can't contact lender

Complaint: I RECEIVED A CALL FROM A COLLECTION COMPANY NO NAME OF THE COLLECTION COMPANY WAS GIVEN THEY STATED I OWED XXXX ASKED HAD I BEEN SERVED I ASKED FOR THE DOCUMENTATION THEY SAID DO YOU WANT TO PAY THE XXXX I STATED I DONT KNOW WHAT THE CHARGES ARE FOR I AGAIN ASKED FOR THE DOCUMENTATION AND THE COMPANY NAME TO CONTACT LEGAL COUNSEL THEY STATED THEY WILL BRING DOCUMENTATION TO COURT AND HUNG UP

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (Credit card) with Atlas Acquisitions LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I have filed an earlier complaint but more information has come to light. XXXX XXXX is a recipient of a letter from Atlas Acquisitions who has consequently acquired the debt. She apparently works for my lender. Anyway I have a copy of the letter she received from Atlas Acquisitions. They are requesting an amount of {$9100.00} as payment in full including principal, court costs and any authorized post judgment statutory interest. Does that mean in a subtle way that they still want the {$32000.00}? They say they will release the lien. But that still does not address the fact that this should have been discharged in the bankruptcy. In the letter, the date of the judgment is XXXX/XXXX/XXXX in plenty of time for it to be iincluded. In fact, I have the paper work from my bankruptcy in XXXX which included the debt to XXXX the company from which Atlas acquired the debt.

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 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I contacted Equifax about some fraudulent inquiries on my report on   XXXX  , and was informed by the representative that they would investigate the inquiries. As of  XX/XX/XXXX , i have not received any correspondences and they continue to report these inquiries listed below : Campus  XXXX    XXXX     XX/XX/XXXX   XXXX -   XXXX    XX/XX/XXXX    XXXX     XXXX     XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX   XXXX -   XXXX   Rate Genius-  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America has denied efforts to assist with a loan workout or modification of homeowners line of credit. Refuse to assist in refinancing or repayment plan, we have made several efforts to contact Bank of America to get needed assistance to stay in good standings. Instead of helping with other options or programs they consistently are harassing the elderly and are now threatening a XXXX year old senior citizen with foreclosure.

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 03-02-2018 about Checking or savings account (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I am trying to obtain my XXXX  int documents. I have been trying to access my account information for CapitalOne 360 all day. When the website finally came back online there is no way to access my XXXX  int documents. The contact phone number states that they are unable to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (OH).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, 2015 we opened an auto loan with GM FIANACIAL. For an additional cost we purchased Gap Insurance. On XXXX XXXX, 2015 the auto was involved in an accident which resulted in a to loss claim My auto insurance as well as GM were notified. In XXXX I started receiving collection calls and also a billing statement that stated I owed {$1000.00}. The statement also declared a remaining balance of {$5500.00}. When I called about the {$1000.00} GM stated that the ck they received from my car insurance was applied to the principal. Therefore since the loan was not completely paid off I owed {$1000.00} in late payments .XX/XX/XXXX Gap paid toward the loan the amount of XXXX. This resulted in the balance remaining. Spoke with Gap they said they came up with the figures based on the GM payment history .I then spoke with GM again and they said that until my account was paid in full and closed that I would continue to be charged monthly.On top of that they turned my husband and I into the credit bureau which made our scores go from fair to poor.We did n't even know this until we went to try and get a loan for another car.Furthermore they still had not correctly updated ourinformation on our cedit

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent a letter to Equifax on XX/XX/XXXX requesting an investigation. More than 30 days have passed, and they have not responded in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/2015 XXXX XXXX XXXX appeared on my credit report. I am disputing this item. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have inquires on all my credit report that was not authorized my me.  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , I 've send letters and made numerous phone calls to have this inquires 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 05-08-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: I have paid off my car loan to the finance company (  Santander Consumer USA  ) and had not received my car title. I tried calling several times to the company and never got to speak to a representative. I received a notice from the company almost  two  months after my last payment and my maturity date of my loan stating I still owe an amount. I called the company again today and was finally able to speak to a representative of the finance company. I asked why did I still owe on my loan since I have paid all the payments in my loan contract and my loan has matured. the representative said it was accrued interest. I believe that is wrong because the interest is paid within the first years of your loan and you do not pay principal until the last years of your loan. I went a year in a half longer than my initial maturity date due to getting an extension on the loan.     At this point, I feel I am getting slammed exorbitant ( fees and interest ) amount for a loan I have clearly paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: XX/XX/XXXX I took a personal loan of {$10000.00} from One Mian Financial Services - also doing busines as CITI FINANCIAL. I paid for the insurance in case of illness. XX/XX/XXXX I was diagnosed with XXXX. The insurance paid, however, in XX/XX/XXXX and XX/XX/XXXX the payments were late. CITI sent my account to XXXX XXXX XXXX - their internal collection dept. My insurance paid the account bringing it current in XXXX XXXX. XXXX refused to take the account back and I continued to pay XXXX XXXX XXXX as agreed until the account was paid in full in XXXX XXXX. XXXX / One Main Financial has refused to report this. Instead, they are continuously reporting my payment as late and despite multiple disputes via XXXX and XXXX and talking to One Main directly, they have refused to update my credit report showing the account paid if full. My FICO score has now dropped form XXXX to XXXX - all because this shows I am now 120 days late with a balance of over {$5000.00}. I want this resolved as soon as possible. All late payments should be removed. The balance should show XXXX and the account listed as paid in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/24/2017 about Mortgage (FHA mortgage) with loanDepot.com, LLC (FL).
Issue: Struggling to pay mortgage

Complaint: The lender has failed to provide the required notice of additional required documents wi thin five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv  ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax , XXXX and XXXX are reporting an account that does not belong to me from New York Federal Court. I sent a letter ( image is attached ) to the data furnisher that has been returned as undeliverable. 
The reported information is inaccurate & needs to be removed. Here is proof the information reported is wrong by the returned addressed envelope.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Debt collection (Medical) with Receivables Management Partners, LLC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Hospital was first denied payment from insurance without more information. Information was supplied to insurance company and insurance paid debt in full. Notice was sent to incorrect address for court fillings against me for this debt and I did not know about the attempt to collect the debt until the garnishment was given to me through work. I was able to stop the garnishment by showing proof the debt was paid by the insurance, but the company has not reported or removed to the credit bureaus this has been satisfied and no longer owed,

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Struggling to pay mortgage

Complaint: Starting back in XXXX XXXX My Mortgage was with XXXX XXXX XXXX. I had called them and asked if I could push one payment back since I was never late in 10 years and had loss my business of 18 years overnight. They said they could not do that. I was unable to pay the XXXX, XXXX, and XXXX payment when I suddenly get a call from XXXX stating that they want to work with me. I received a forbearance agreement which called for half of my regular payment to be made for 12 months. I made the 12 agreed payments, then contacted them and I was told that they were working on it. 3 months go by and all of a sudden XXXX XXXX services went out of XXXX! I waited to see who would pick up my loan and lo and behold it 's Nationstar!, who contacted me 5 months after XXXX went under. I explained to XXXX that I had completed my forbearance agreement and was on the cusp of completing my loan modification. At that point I was told that I would have to start the process all over!! Between XXXX XXXX and XXXX XXXX I must have given them my Loan application at least 11times!! 6 of those within 1 year!! ( XXXX XXXX - XXXX XXXX XXXX Finally, in XXXX XXXX I get a loan Modification approved, made my XXXX trial payments and was to begin in XXXX of XXXX with my First payment. That month I was rear ended at a red light at XXXX, after i was released from the hospital, I called Nationstar to advise them that I 'm out of work at the moment due to the accident and will be starting rehab due to one of my XXXX XXXX XXXX. I asked what should I do because I did not want any problems with this loan mod since it took me almost 7 YEARS to acquire! The response they gave me was " Do the best you can '' While out of work and still in XXXX XXXX 2 months later, Nationstar called me and asked how things are going. I said I 'm still out of work and in rehab. I was told once again " do the best you can '', then a month later I was served with Foreclosure papers. While dealing with the foreclosure suit, the judge ordered it to mediation, upon meeting with the County 's Mediation Department, I was told if I had made ONE payment, they could have started the process all over. I said I have been dealing with incompetence from this Company ( Nationstar ) for over 6 years! I would get repeated calls and when I would answer they would hang up, Once i was waiting for the Escrow Dept. to call me back, I end up getting a call from loss mitigation offering me {$5000.00} to move!! I asked " do you guys talk between the departments? The girl said '' no '' I said " I can tell, I 'm waiting for Escrow to get back to me '', Not receiving Faxes that I sent upon request ( this happened multiple times ), etc. many more I could list. This could have been completed Years ago, but due to widespread incompetence on Nationstars part, this has now put me in a compromised position.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: On XXXX XXXX XXXX, 2014 I received a call on my landline phone from XXXX XXXX XXXX XXXX on behalf of Sallie Mae XXXX. The call originated from telephone number XXXX and was placed to my home phone number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I received a letter from Equifax stating I had three negative items added to my credit report last year with a form they stated if I used would expedite receipt of my credit report. I completed the form and returned it using the address on the form they to mail it to. It was returned to me as undeliverable and I still have not received my credit report. 

The address on both the form and the envelope the form was mailed in is : Equifax XXXX XXXX XXXX XXXX, GA XXXX I have since requested my credit report from all three credit reporting agencies and I thought you should be aware of this problem with Equifax given their recent problems. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX I can not copy the documents because I am handicapped and do not have a full time care giver and can not enter the room where the printer is located. 

However, if you will provide me with your postal service I can and will mail them to you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: TransUnion continues to report errors on my credit report such as incomplete information regarding three public records. Unrecognizable information on file but TransUnion refuse to correct, I filed a lawsuit in State Court.  TransUnion handed out my credit report to the judge without my permission ignoring The Fair Credit Reporting Act (FCRA), Public Law No. 91-508, was enacted in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies (CRAs). ..  State Court Judge did not recognize FCRA Section 609 and FCRA Section 611.TransUnion is in violation of FCRA Section 609  and Section 611.

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 02-08-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MI).
Issue: Account opening, closing, or management

Complaint: Wells Fargo charged me fees in 2012 for bank statements I needed for USCIS. I was trying to get duplicate bank statements online which is free but their online system was n't working. I called the bank and they said I would not be charged for the statements if they mailed them instead, They also said if I was charged they would refund the amount. Weeks later I was charged for the statements, They refused to refund the charges. They also refused to review the telephone call where I was told the charges would be refunded,

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax keeps, stores, and tracks my personal information without my consent and then used insecure computer information technology systems to store this information. This led to the unauthorized disclosure of my personally identifying information to hackers. 

It is unacceptable that I should have to pay to place credit freezes on my reports at all three credit monitoring companies. 

Equifax needs to be held accountable, provide free LIFETIME protection, and pay a significant fine to every affected individual.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Debt collection (Credit card debt) with Altisource Portfolio Solutions, S.à r.l. (FL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: This debt was for a XXXX card that my wife had. We fell behind due to XXXX bills so they sent us to a debt collector. XXXX XXXX XXXX. they contacted her at work talked with her boss and demanded to talk with her. They said they wo n't stop calling. When I spoke with them to work out a payment plan. They told me I can pull the money out of my 401k that there is no tax penalty which I know is not true. They also asked why I had to pay my income tax that I can pay them first and pay taxes later with out penalty. I am almost positive a debt collector is not in the postitution to give tax advice or financial advice.

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