milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax did not comply with the Fair Credit Reporting Act, Section 609 and 611, in regards to conducting a reasonable investigation of my dispute against inaccurate items on my credit file as well as sending me all files used by them to verify these accounts when I asked for them. Equifax is listing an account on my credit file from the XXXX XXXX XXXX XXXX XXXX/XXXX XXXX that belongs to someone else. This account is not mine. Equifax keeps stating that they verified that this account is mine. How could they when the XXXX XXXX XXXX XXXX XXXX informed me that my account with them was paid in full onXX/XX/XXXX? This account has appeared on my credit report since XXXX. I never had an account with XXXX XXXX. I have paid off my account with the XXXX XXXX XXXX in XXXX of XXXX. I have PAID MY LOAN IN FULL WITH THE XXXX XXXX XXXX XXXX XXXX and I HAVE NO OUTSTANDING ACCOUNTS WITH THE XXXX XXXX XXXX. I have included a copy of my Paid In Full letter from the XXXX XXXX XXXX XXXX XXXX. The accounts that are listed on my credit file that I am referencing is : XXXX XXXX XXXXXXXX XXXX # XXXX This is not my account. I did not authorize this account to be on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I tried to dispute with Equifax an item is in my redit report, and there is a process of a Validation of this debt with XXXX XXXX, I also kept Equifax aware that I 'M in the process of a validation of this debt, therefore Equifax con not continue reporting this item if a validation of this debt is not provided to me, from XXXX XXXX .from this collector of this especific debr, but seems Equifax don not respect my FDCPA rigths, equifax still reporting this item is not validated see attached documents and FDCPA section XXXX validation of debts { XXXX XXXX XXXX }

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My issue with Nationstar pertains to a 30 day late payment incurred on my mortgage for a missed payment for XXXX 2014. The late was caused by me being defrauded by a man named XXXX XXXX, posing as a licensed mortgage professional to refinance my home, who ended up stealing over {$4000.00} from me. He insisted that I not make my XXXX 2014 payment to Nationstar as the new loan at a 2.99 % 30 year fixed rate was going to close and funds would be on their way ( See Exhibit A ). When Nationstar alerted me that no XXXX payment had been received, I let him XXXX know that I was going to make the payment ; he insisted that he had later spoken to Nationstar and all had been resolved and a check was on its way to them. Finally when Nationstar called me again and told me no check was received and I was 30 days late, I quickly made the payment. At that time I became suspicious and started to investigate the matter to find that there was no such refi loan in process I then discovered the individual was a convicted felon who had a history of defrauding people and had his Real Estate license revoked and had a cease and desist order against him from the Dept of Real Estate ( See Exhibit B ) He defrauded me by getting all my bank information and in addition to charging me for loan fees for this non-existent loan, he ended up using my bank account funds fraudulently and ran {$4300.00} worth of fraudulent charges. 

The XXXX Attorney 's office has also confirmed that XXXX XXXX XXXX has defrauded another XXXX people, for which they XXXX office is taking legal action against him ( see exhibit C ). As the XXXX office also suggested I also filed a law suit against XXXX XXXX ( see Exhibit D ), for which he failed to show up. 

You can contact XXXX XXXX, XXXX. Investigator at the XXXX XXXX XXXX XXXX Attorney XXXX XXXX XXXX XXXX at XXXX who can inform you of the legal action being taken against XXXX XXXX. ( Refer to exhibit C )

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (RI).
Issue: Shopping for a loan or lease

Complaint: During the sales process of a new lease at XXXX Acura in XXXX, MA, the car I test drove is not the car I leased & the differences and details were not disclosed to me. The lease terms were fine, but the vehicle I thought I was leasing is not what I received. Additionally, the remote start feature did not work as disclosed during the sales process, which were also explained wrong during the vehicle walk through. I 've tried to resolve directly with the General Manager at the dealer. The options were I could pay more money, or keep what I have. I was n't willing to take it off the lot the day of pickup, but I was told I had to because it was registered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Mortgage (Home equity loan or line of credit) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX I applied for a home equity loan from the now defunct XXXX XXXX XXXX. XXXX XXXX XXXX was sued by the Department of Justice and the Consumer Financial Protection Bureau in XX/XX/XXXX for charging XXXX and XXXX borrowers higher prices for their home mortgage loans than non-Hispanic White borrowers. XXXX acquired XXXX XXXX and agreed to pay {$35.00} XXXX to settle charges that the former XXXX XXXX Bank discriminated against XXXX and XXXX borrowers by charging them more on home mortgages because of their race and national origin. According to the U.S. Department of Justice and the Consumer Financial Protection Bureau, XXXX XXXX, which XXXX bought on XXXX XXXX, XXXX, violated the federal Fair Housing Act and Equal Credit Opportunity Act in imposing higher fees or interest rates on more than XXXX minority borrowers. 
According to the court documents, the violations involved loans made through more than XXXX XXXX XXXX retail offices from XX/XX/XXXX to XX/XX/XXXX, and by mortgage brokers from XX/XX/XXXX to XXXX. XXXX said XXXX XXXX financially rewarded loan officers for imposing extra charges, known as " overages '' that were not related to borrowers ' creditworthiness, and did not properly monitor how they were imposed. This resulted in statistically significant discriminatory pricing disparities based on race and national origin, and caused more than XXXX XXXX borrowers and more than XXXX XXXX borrowers to overpay. 
RBS Citizen bought the loan without knowing its history and is now suing me to collect on a loan that was null and void. Because XXXX XXXX committed fraud in originating the loan, that action made the contract void. 
In XX/XX/XXXX XXXX contacted me about the loan and assured me that they would conduct a full investigation because of XXXX XXXX XXXX mounting troubled mortgages and would cancel the debt. The investigation was never done and instead the loan was sold to RBS Citizens. RBS Citizen filed a lawsuit in XX/XX/XXXX and we are currently in court proceedings. RBS Citizen is trying to collect on a loan that XXXX should have cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My Nelnet loan was paid in full, to a XXXX balance, on XXXX/XXXX/16. Nelnet then withdrew another payment from my checking account on XXXX/XXXX/16, even though I had a XXXX balance showing on my online account 5 days prior. A phone rep said the withdrawal of extra funds past the XXXX balance was my fault, since I did n't cancel autopay. I asked where the policy of taking money from customers with a XXXX balance was on their website ; I have never heard of any company that auto debits customers with a XXXX balance. The rep said I will get a refund back 4 to 6 weeks ( with no interest for me of course ). Nelnet needs to stop the practice of taking money from people with a XXXX balance. A XXXX account balance should trigger a Stop Pay. And if Nelnet does over bill, they should refund any money they took in error immediately, not 4-6 weeks later. I requested written communication from them describing exactly how and when they intend to refund the money ; I 'm waiting to get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Debt collection (Credit card debt) with CL HOLDINGS LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: XXXX XXXX XXXX has garnished my wages for something I never got a summons for. I have no idea what it is.. it is 40 % of my paycheck. I can not pay this. 

help.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Unexpected or other fees

Complaint: A few weeks ago I went into XXXXto buy some products for the holidays. It was the time when i fist decided to start my credit and I only knew so little about it. So I went in around XX/XX/ to purchase some products, the sales representative didn't seem like she knew how to ring the cash register up ( I believe she was a new employee with minimal experience ) and I bought some makeup. I paid {$30.00} for a products I went in a few days later to refund and make a purchase for a cheaper version of the product I had previously paid for the day I went back was XX/XX/XXXX. I even waited a few days later for it to show up on my account. The refund should have been {$10.00} dollars. That same day I paid extra {$9.00} for a separate product so I initially thought the {$10.00} they would have returned to me would show up a few days later it did not. So the refund never showed up on my account after i had paid it. My resolution at first was to ask my credit card company ( Capital One ) to help me get a refund. The mistake that was made is they did not refund me for the right amount. So my credit card company charged me for the full amount. When my card charged me for that I had already exceeded my limit and my plan was to pay everything in payments and on time, remember this was my first month owning a credit card. My commitment was to pay everything on time so it wont affect my score. Here is the thing, since I had spent all the money on my card I did not plan on spending anymore since it wouldn't be possible to go over my limit. XXXX 's ended up re billing my card and since I exceeded my card limit ( {$300.00} ) it brought my balance to $ XXXX I don't understand why but it devastated my score very bad and now my score is XXXX. Now my score is very poor and I can not apply for other cards to improve my performance or help me get ahead in life with a good credit resume. I am desperate for help. I do not want to start my credit out like this. Despite the mistakes done I have not had any bad history with my credit and since I am fairly new and wanting to commit to building good credit I don't think I deserve this. I don't think when they re billed me that it wold affect my score. So far I have been making payments and least once or twice a week to see if it can help my score but they way they took the money out affected my future because I was aiming for the best now this unnecessary road block brought it down

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I receive a free XXXX score from XXXX tied to my XXXX XXXX card. I am told that XXXX uses XXXX and they are reporting my credit score as XXXX. 
I also have an XXXX XXXX card and they all make my XXXX score available to me and they use Experian and they report my credit score as XXXX 
As a consumer I do not understand why when the term " XXXX score '' is used there is such a large difference in the numbers.

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 10/28/2015 about Consumer Loan (Vehicle lease) with DriveTime (NV).
Issue: Problems when you are unable to pay

Complaint: I have been a customer with Drive Time car company since XX/XX/2014. I have made my payment faithfully every two weeks. We just moved and are struggling to find a job but I have been taking my child support to pay the payments. In my lease as you will see it has a late payment clause for after 10 days late they will charge XXXX ( see image ). My payment was 4 days late and they repo'ed my car, leaving me with a XXXX price tag to get it back. When I called to ask about the lease agreement clause, they said 1 day late is late and they can repo my car. So what is the 10 days about then? I was advised that it should not be on my lease. No where in my lease does it say this is a ( 0 ) day grace period lease. I had made the payment ( I guess minus XXXX dollars they later said I owed ) 4 hours before my car was towed, the lady on the phone said I did a payment on their website so they refused it and I needed to go to XXXX! When she hung up my payment was returned. Three phone calls later and three different stories I guess that contradicting ( 10 ) day period is not available and you have 0 days. This is a contradiction of the lease agreement. I would of paid the XXXX dollars had I known that it would of been the reason for my repo after only 4 days. I also had a friend go to Drive Time over a year ago for the XXXX credit for my referral, NEVER got it! The way I look at it you made way more than XXXX dollars off another sale because I pitched the sale for you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a veteran and all my school loans should have been paid or reimbursed though military.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (Other debt) with LJ Ross Associates (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a notice that there was activity causing my credit score to decrease. When I check my report I saw that L J Ross and Associates had reported a collection of {$180.00} on my credit report. I was not aware of this matter by this company and had never heard of them until the entry was placed on my credit file. I am really puzzled because, my utility company is the same, and my utilities are still on and I have " not '' received any notice from them indicating that I have or had an overdue or delinquent account. 

I have disputed this matter with the credit reporting agencies and this company that I had never heard of or received a collection notice from " verified '' the debt. I have yet to see any verifying documents. I am preparing to sue this company and wanted to make you aware of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (TN).
Issue: Struggling to pay mortgage

Complaint: I have requested a mortgage modification with my mortgage company XXXX XXXX. 
My hardship is my son was shot though and criminal act in the city of XXXX Tennessee XX/XX/XXXX and he still is under doctor care. My adult son does not have insurance and I'm responsible for his recovery. 
I provided PenneyMac the {$58000.00} hospital bill stating the bill was self pay and it reflects my son was XXXX. The mortgage company is refusing to accept this documentation because my adult son 's address if different from mine. My son name is XXXX XXXX XXXX and he is currently living with me until he is able to take care of himself. My relationship manager is XXXX XXXX has refused to return my call or speak with me regarding the status of my modification request when I call, as of XX/XX/XXXX. I was informed by customer service she has closed my file. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Prepaid card (General purpose card) with U.S. BANCORP (TX).
Issue: Managing, opening, or closing account

Complaint: US Bank Corp denied me the ability to rescind a credit card offer violating federal law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Debt Mediation, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX 2015 i was evicted from the department i was leasing, we went to court and the court order the eviction and settle that we owe the the leasing company {$1400.00}. 

The leasing company first sent us a letter stating we owe them {$4700.00} with braking up the amount. 

After that we receive a letter form Professional Debt Mediation stating we owe {$4700.00} and they send this debt to the credit reports. 

Also they post the debt 2 times like if i owe {$4700.00} 2 times, when i contact them trying to settle, i ask them why they post my debt 2 times, the answer from the was that this way my credit score will be lower with the XXXX postings and i will be more urge to pay my debt, i offer to pay what the court settle {$1400.00} and they refuse to settle for less than {$4700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: So Back in 2016 I went into Wells Fargo to open a bank account, the account was shortly closed due to early warning services .... they are saying that I applied for a student loan and added a co-signer that did not ask to be added. I have told Wells Fargo I have made one student loan application without a co-signer and I have confirmed that there is an additional I have let them know that it was not me that applied fraud was done in my name I never did an application with a co-signer. Here we are two years later and I am not able to successfully open a bank account. I opened a checking and savings with XXXX XXXX XXXX XXXX, which surprisingly they allowed me to open, but that too was closed shortly telling me to contact early warning services again. Because I told them that I have applied for student loan ( I INCLUDED THAT THIS WAS DONE RECENTLY THIS YEAR WITH NO CO-SIGNER ) Wells Fargo has refused to remove this accusation from my Early Warning services report and My XXXX XXXX account can not be used until they receive something from red saying that those things are inaccurate. Because fraud was done in my name I am being limited and can not use or open any account near me! This is affecting me my financial support and my time and this is really inconveniencing. I have disputed tried everything Wells Fargo is just not willing to remove this and I need this looked into further! I am being punished for no reason at all, Waiting anxiously for a response as my account has been restricted since the second week of XXXX and we are nearly in the second week of 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 03-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (VA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: We have been great Citi card users for the past 5 years and have not been notified of any issues. The account was active as of 2 days ago. However, yesterday during a purchase at a local XXXX, the card was declined. We called Citi customer support and they mentioned that the account has " sensitive '' information that they can't see any additional information and instead asked us to write a letter to a XXXX XXXX XXXX XXXX . 

We elaborated that we were never notified of this through any means ( phone, text, etc. ) and suddenly the account was closed and in XX/XX/2018 - is now asking us to write a physical letter ( turnaround time ~weeks ) to find out more information. XX/XX/2018 - where the advertisement is Citi access through my phone, XXXX, XXXX, online, that we have to now write a letter to find out more is ridiculous on such an urgent 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 11/22/2016 about Debt collection (I do not know) with Monarch Recovery Holdings, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving numerous calls from Monarch Recovery ( somewhat unintelligible ) on a regular basis. I researched this company and they are a debt collection company. I do not have any debt or credit problems. They are calling from XXXX. Calls vary by days and by times and and are interrupting my land line phone service with their robocalls. What can be done to eliminate this. From the internet, I see where there are many similar complaints. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: In XXXX, I sold my business to my other partner and told XXXX in XXXX, TX to remove me from the account. At that time I had no more access to online statements to that account and I received no more paper statements. So I assumed that I was removed off. However, in XXXX that account was in overdrawn and somehow my name and social was still tied to this account. The address is a place that I have never lived. In my 6 years with the bank I was never past due or in default. They had keep the account open because of my business partner was also on this account. It should have now been completely in his name which the obviously did not fix. I was never contacted to rectify this situation and it was just thrown on MY credit report. They refuse to fix or take any responsibility.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation