milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/27/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Tried to get my report and was unable to do so even though I tried through all three companies. Experian said they were " Unable to honor your request. '' XXXX told me I had already received it and XXXX said there was an error and that my report could not be pulled. I have essentially no credit history because I have never borrowed money but I need the report for a job application and have obtained one before for this purpose with no trouble. I am wondering if the issue is that there 's no history so there 's nothing to pull. Called a few numbers and got no help. Ca n't even request one to be mailed to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Bank account or service ((CD) Certificate of deposit) with M&T BANK CORPORATION (NJ).
Issue: Deposits and withdrawals

Complaint: a certificate of deposit which I have left to automatically renew for over ten years recently went dormant. The only way I found out what happened was to ask the XXXX bank and trust why I did not receive the monthly statement. I think they should have notified me first. I understand there can be legal complications which arise from dormancy. Do n't think this should be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Credit reporting () with EQUIFAX, INC. (ME).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: RE : Equifax I was denied service from XXXX because they ca n't establish my identity thru Equifax. When I tried online at Equifax they ca n't find a file on me even with driver 's license number. I have not had an auto loan since XX/XX/1970 and my house mortgage has been paid off over 20 years ago, although I do have at least XXXX active credit cards. Also have an account with electric company and cable company and accounts at XXXX local banks.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CO).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: My monthly minimum payment is currently {$25.00}, and I have an automatic payment set up to pay " Minimum Payment Due '' on the due date, which is the XXXX of each month. On XXXX XXXX 2017, I made a payment of {$320.00}. My online account after that day was updated to reflect that the minimum payment due was {$0.00}. Despite this, Home Depot processed an automatic payment for {$25.00} dollars on XX/XX/XXXX. When I reached out to request an explanation, I was told that despite having paid the minimum amount in advance, the automatic payment would still be run and there was nothing that could really be done at this point to stop it. I am fortunate that I have substantial funds in my checking account so that I 've not been charged an overdraft fee, but this is potentially a major issue for any other customer in the same position. I 've not read the fine print of the automatic payment agreement, but I fail to see how any agreement can redefine " You have scheduled an autopayment of Minimum Payment Due on XX/XX/2017 '' to mean " You have scheduled an autopayment of Minimum Payment Required for the Month on XX/XX/2017. ''

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 Debt collection (I do not know) with GC Services Limited Partnership (SC).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: They continue to call me, XXXX XXXX, ( a XXXX person ), looking for other people who may or may not be related to me. I've asked that my phone number be removed on various occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Mortgage (Conventional home mortgage) with Financial Freedom Mortgage, LLC (MD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Dear Sir/Madam, On XXXX, I clicked on an ad that was willing to tell me how my mortgage payments would change from a 30 to 15 year refinance. I did fill out my information but opted to not be contacted. That was 2 months ago. I have been contacted by Financial Freedom Mortgage. I have repeated ( 2x a day ) asked them to not contact me as I am not interested in a new mortgage. I even spoke to a manager twice and told them to stop contacting me. It has now become harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a notification from a hospital that they had a security breach and my personal information has been or could have been breached so I have been monitoring my credit report. There is a collector on my credit so I decided to call them. When I call they ask for my social security which I provided and they were unable to locate me. They tried to tie me to a XXXX XXXX, which I have never lived. I asked to send me proof, which they have not yet they took the liberty of adding themselves to my credit. I have disputed this with my creditors which most removed but XXXX is still saying it is mine, which I do not understand why since no proof has been submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Consumer Loan (Installment loan) with SUN LOAN COMPANY INC. (MO).
Issue: Problems when you are unable to pay

Complaint: Loan payment was due on XXXX XXXX. I have been Ill and I am in the process of filing bankruptcy. I came home to find a business card in my door from the manager of Sun Loan Company in XXXX Missouri with the amount I owe instructing me to get " ahold '' of us. 
This was next to a notification of a package delivery. I feel I had notified them of my intentions of Bankruptcy. I did change attorneys. I also advised them of being ill and my inability to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Debt collection (Other debt) with Pinnacle Credit Services, LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Today XXXX/XXXX/XXXX around XXXX pm I called to attempt to pay a collection account as Im trying to rebuild my credit. I have dealt with a half dozen or so collection agencies to do this very thing. The previous agencies were very helpful in helping me repair my credit. However, Pinnacle Credit Services LLCXXXX XXXX XXXX XXXX said they dont delete accounts and they would mark it paid in full or settled if I gave them all my vital information including my Social Security number before they would do anything. They wouldnt even send a letter saying that if I paid them it would be marked as I said earlier. They still wanted all my info. I dont trust collection agencies so I thanked them for doing NOTHING!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Credit card () with CITIBANK, N.A. (ID).
Issue: Closing/Cancelling account

Complaint: My Citi XXXX Credit card was closed by Citi in XXXX XXXX by Citi. Company has continued to charge me interest and fees on the outstanding balance without providing me online access to my statements nor mailing me monthly statements. I called on approx. XXXX XXXX, XXXX to request that copies of all of my statements be mailed to me and was assured that I would have it within approx 48 hours. I received a package of statements around XXXX XXXX, XXXX, and it was incomplete. This credit card continues to charge me interest and fees, which I only find out about through notices from financial/credit apps that I have. I feel all interest and fees on this card from the time Citi is closed the account should be removed and not added again. I do n't know how much money I lost because I ca n't see my records ( number in form below is a guess ). 
My CitiForward card is my other card from Citi. It is still open, however I have the same issue as I have with my XXXX card above - no online access and no paper statements mailed to me. I pay an auto-pay payment initiated from another bank for the minimum payment, so that 's why the account has n't been shut down yet but I want my FULL records.

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 05/22/2015 about Debt collection (Medical) with Herbert P. Sears Co., Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I contacted the FTC in regards to a credit reporting which I disputed, FTC was able to get it removed from my credit report, my credit report confirmed the removal, and now it 's back. Under XXXX XXXX for XXXX dental in the amount of XXXX, I want it removed again, I 'm disputing this claim as well.and is this legal for them to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (NC).
Issue: Trouble during payment process

Complaint: I have been making my mortgage payments on time for the last two years and I see balance amount that is not adjusted to my payments. I 'm being incorrectly charged by PNC and they refuse to send monthly billing statements for the last 2 years. They revoked my online account access only after filing a complaint CFPB they did gave me access to my own account. They are uncooperative in explaining to me how my payments are being applied to the mortgage. Please open an investigation into PNC bank 's mortgage business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Every time I log into XXXX XXXX its not showing me an updated score.

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 05/15/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Trouble during payment process

Complaint: On  XXXX , I requested a revised Escrow History, because I cancel the old Home Ow ner Ins for {$3000.00} for new policy {$720.00}.      On  XXXX   XXXX , I received a Escrow History Dated  XXXX   XXXX ,  XXXX , Upon reading I notice immediately that the amount were not correct. I call on  XXXX   XXXX  spoke to representative in the escrow department.     My " Old Mortgage Payments " {$950.00 } My NEW  are {$680.00}.   ( {$680.00} is compose of  XXXX  Escrow and  XXXX  P/i ) My argument is as of  XXXX   XXXX  my escrow accumulated amount is {$2300.00}. My  Property Ta xes are  XXXX  and Ins  XXXX  the total is {$2400.00}. I understand there need to be " cushion ''. So with  XXXX   pmt and   XXXX  pmt of  XXXX  each bring the total to {$2700.00}. Should be enough to satisfied this condition.     As per the law, any financial company holding over {$50.00} in the escrow over the amount required must return it to the person making the mortgage payments.     Then as I understand this situation, my  XXXX  payment should be {$480.00} since I have satisfied the escrow amounts.     The property taxes will be due on  XXXX   XXXX , and the  Insurance  in  XXXX . I want to pay these amount on my own. And hopefully refinance.     Please help me correct this situation  with Ocwen  ( according the representative it will take over 45 days to correct, ) Mean while they are asking for the wrong amount for the mortgage. Even though I send the correct amount, I do not want to go into default.     Thanking you in advance for your assistance in this matter, I remain grateful.      XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: A less vague guide to improving a credit score could be provided by the designers of the credit score analytics ; FICO and XXXX. The bland recipe for starting, maintaining or correcting scores is not very helpful. Things like, pay your bills on time and do n't use too much a of a credit line can be arrived at through the use of some common sense.These " tips '' are much too generic to be truly helpful to consumers. They should advise us what the real story is. Tell consumers exactly what they should do to improve their scores and be specific. If paying off that past due XXXX card would raise my score by XXXX points than let me know. If paying of that {$400.00} balance on my auto loan will raise my score by XXXX points than tell me that. Bobbing and weaving through the vagaries of credit scoring for the average consumer is impossible. A transparent, easy to follow, step by step formula for increasing consumers credit scores would do a world of good for everyone from the most unsophisticated consumer on up. The credit scorers will come back, once approached with this idea, and claim it is impossible to do. They will assert that they do n't know what other factors may occur affecting your credit score to enable them to make a specific prediction as to a drop or increase in a score. My answer to that is for them to add a disclaimer saying, " If no negative factors related to your current score are reported your score should increase by approximately " xyz ''. This will at least give some guidance as to which specific accounts are more important to your score. I received my free XXXX report and score ( based on an Equifax credit report ) from XXXX to XXXX, XXXX substantial items changed on my credit report yey my score did n't change at all.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not owe XXXX XXXX XXXX any money. Therefore I do not owe this IC collections company. We were NOT in a contract with XXXX for our Internet & TV we had switched to XXXX ( who is owned by XXXX anyway ) our service was terminated but XXXX kept billing us. We repeatedly tried to resolve this with XXXX. Now I find out they sold a debt I do n't even owe to a Collection agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company forced placed flood insurance on my property when I already had flood insurance coverage. The flood coverage I purchased started on XXXX/XXXX/2016. In XXXX 2016 the mortgage company said the coverage was not enough and to raise the coverage by $ XXXX, so I did to {$190000.00} and back dated the higher coverage to XXXX/XXXX/2016. The mortgage company never told me in advance how much coverage to have. In fact when I called them they told me to have my insurance broker make the coverage assessment. The mortgage company is charging me {$25.00} which is their premium for coverage from XXXX/XXXX/2016 to XXXX/XXXX/2016. They tell me they wont reverse their flood coverage even though they never told me how much coverage to have. I want them to reverse their premium and to have a policy in place so I know in advance of how much coverage I need before purchasing flood insurance. Property loan balance is $ XXXX. Do n't I only need enough coverage to pay off the loan?

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion itself has been fairly easy to work worth over these passed few months but i am pretty sure they are reporting a debt that is over the statue of limitations. This is a debt owed from 2005 and I am sure they should not still be reporting 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 03-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: RE : AFNI Account XXXX For the last couple of years, I have noticed an account being reported to the major credit reporting agencies, i.e. XXXX and XXXX, regarding an amount AFNI is collecting on for XXXX in the amount of {$1500.00}. 

I finished and fulfilled the terms of the original contract and discontinued service. Apparently XXXX renewed the contract anyway and then added early-termination fees. I have disputed this debt to AFNI multiple times, since the information they are reporting is not accurate, but AFNI does not appear to be taking any steps to investigate the dispute. I understand they are relying in part on information from their client, and they are in the business of debt collection and doing their job, but they do have an obligation to investigate and correct inaccurate credit information. 

I simply wish for ANFI to discontinue collection, send the debt back to its client with an explanation of my dispute, and request whatever information it reported to whichever credit bureaus it reported it to, to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I submitted an application for  XXXX  discharge with Nelnet. I have been calling them for the last 3 months, and nothing has moved on my application. I have been told that my application has been archived and has to be rebuilt. I do not believe this. I believe that  Nelnet  is purposely delaying my application because it has merit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: For the past year I have been actively monitoring my account with a credit reporting agency, TransUnion. I have paid off debt, obtained credit, paid it off, and my score increased from the mid 500s to the high 600s in  the TransUnion credit reporting system. A week ago they reported my score at XXXX ( XX/XX/XXXX ) and now they have dropped my score to XXXX ( XX/XX/XXXX ). I am attaching Desktop pages from their web site. Nothing from a week ago has changed with my credit. I still have bank and brokerage deposit balances in the medium six figures, have not borrowed any money, I have the same job for over 20 years, and actually in XX/XX/XXXX my income increased by $ XXXX with my turning XXXX and receiving social security additionally. 

In addition, the top of the TransUnion web site Desktop for my account on XX/XX/XXXX reported XXXX and below on the Desktop it clearly says XXXX is my Credit Summary which matches the Score Trending graph. So there is a discrepancy within their own page reporting. 

I believe this is an arbitrary calculation and mishandling of the credit reporting mechanism that in my particular case is certain to affect my ability to make a move to a less expensive apartment next month, because my credit will be obtained by the landlord 's home owners ' association and it is likely I will be declined the ability to become a tenant.

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 10/16/2017 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: There are several inquires that just hit my credit file and I did not apply for any of these XXXX  inquiry XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX inquiry XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have a XXXX credit card but did n't apply for an additional card these are not mine Please remove these unauthorized inquires ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputing the information XXXX XXXX placed on my Credit Card as incorrect. I contacted XXXX XXXX Last year and they refused to correct my information as paid on time/Agreed. Subsequent to that XXXX XXXX is a very dishonest company They do not keep their promises. They closed my account without my knowledge and reported it negatively on my credit report.

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 05/30/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Transaction issue

Complaint: I have a habbit of setting up online payments to pay off the balance on my Bank of America credit card every month. In XXXX of 2015, I noticed that Bank of America had gone in and modified my authorized payment - without any notice to me - to reflect an amount lower than what I had set up. If I had not caught it timely, this practice would have exposed me to interest and fees, despite having received a " confirmation '' for the payment that I had previously authorized. Bank of America representatives initially denied that anyone on their end could change payments scheduled by a customer. After elevating the issue, I was finally told that the modification had been a " computation error '' made by a " new system '' and that it would not happen again. The issue has now repeated itself and Bank of America representatives are now repeating the same lines they used last time, stating that no one on their end can change scheduled payments - despite already admitting after their previous investigation that their " automatic '' system does in fact take actions to modify customer payments and expose customers to interest and fees without notice.

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