milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently disputed multiple items reporting on my credit file XX/XX/XXXX CASE # ( XXXX ). I have spoken with the Specialized Handling department that has handled this process on multiple occasions through out this process. I was very clearly told by multiple agents and supervisors ' within this department that any/all accounts that were to be removed from my credit file due to FRAUD would also include related inquiries to such accounts being permanently deleted as well. As of today, XXXX XXXX, I still have all of the inquiries currently reporting on my credit file. Actually, I am currently on the phone with the Specialized Handling department ( US ) and they have stated that even though the accounts that were removed from my credit file were deemed as fraud and subsequently removed accordingly, that they are unable to remove these inquiries respectively. This of course directly contradicts what I have been told up to this point as well as does not meet my rights with regard to the FCRA concerning fraudulent accounts and inquiries. I need for these inquiries to be removed as they were directly associated with accounts deemed as fraud and removed from my credit file. 

- XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX ( ACCOUNT REMOVED ) - XXXX XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX/XXXX/XXXX ( ACCOUNT REMOVED ) - XXXX XXXX XXXX/XXXX/XXXX ( ACOUNT REMOVED ) - XXXX XXXX/XXXX/XXXX ( ACOUNT REMOVED ) - XXXX XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX ( ACCOUNT REMOVED ) - XXXX XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX ( ACCOUNT REMOVED ) - XXXX XXXX/XXXX/XXXX ( ACCOUNT REMOVED ) - XXXX XXXX/XXXX/XXXX ( ACCOUNT REMOVED ) I am also wanting to dispute a few trade lines/accounts still showing on my credit file as FRAUDLUENT. The following is a breakdown : XXXX XXXX - account # ( XXXX ) opened XXXX/XXXX/XXXX pymnt : {$1600.00} -XXXX - account # ( XXXX ) opened XXXX/XXXX/XXXX pymnt : {$1800.00} XXXX XXXX - account # ( XXXX ) opened XXXX/XXXX/XXXX pymnt : {$2100.00} Does anyone not notice how odd it is that these accounts were opened under a different name and address in a 30 day span? These accounts were opened and closed within 2 weeks a part from each other. How does this not scream fraud? 

Lastly, I need for my current contact information to be updated on my credit file to read as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 11/29/2016 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had disputed my information to XXXX Credit Reports from Santander Consumer USA.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After the XXXX breach, I started to get concerned about my credit and wanted to make sure that my information was correct and up to date. I enrolled in a credit monitoring website called XXXX XXXX  XXXX and from there I was able to take a look at my credit report. I started to noticed a few credit inquiries for banks that I did not apply for. This was alarming because i never authorized the credit companies to look at my credit history. I immediately contacted XXXX, Transunion and XXXX to place a block on the fraud inquiries. 

XXXX XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX 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 05-02-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Struggling to pay mortgage

Complaint: Back in  XXXX  Of   XXXX   I missed the first mortgage payment in about 2 years due to a financial hardship. I missed  XXXX ,  XXXX   XXXX    XXXX   making a payment in  XXXX    XXXX  .     I applied for a Modification and tried to work with them ( Nationstar Mortgage ) receiving no answer back until about  XXXX    XXXX   when I was served with a foreclosure order ( I was never actually served Live ). I hired an attorney (  XXXX   XXXX   ),  who has tried to get me  XXXX  modification and other plans ( though he dropped the ball on certain matters  ).      Basically they said, incorrectly that my loan could not modify because they ca n't lower my payment. I have the ability to continue payments, however I am being constantly denied based on an alleged   XXXX   XXXX   requirement that they must lower my payment Because I am actually making quite a bit more in my new job ( which they are aware of ) I am able to pay even more if necessary, and Nationstar ( at this point ) will not even request a waiver of any such " requirement/guideline ''.     If you can Help me, let me know.  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XXXX-18 I received 2 phone call from synchrony bank TJX rewards. On the second call I answered. In this conversation I had to ask what company she was with three times because she would tell. She falsified release of information and documentation on the account. She removed information from the account and when requested to speak with a supervisor she went silent and never transferes the call. I waited about 5 minutes to ne transferred and continued to ask " am I being transferres to the supervisor? ", no response but I could hear whisper and random noises. 

About an hour later I called Synchrony bank TJX rewards back, got a gentlemen who was unable to pull my records by phone. I was forced to release my social security number for my records to be pulled. I explained the situation and he stated no notes from prior conversation that day ; another example of falsification. I requestes to speak with a supervisor and he transferred me to XXXX XXXX who updated my phone number back into the system and verified my information synchrony bank has. She explained that they would look into the situation. I dont believe this matter will be reviewed and handled as she states. 

I had called in last week and advised of my situation and what my plan is. Ive made arrangements and advised them that I am aware that my credit could be impacted. 

I would like a full investigation done on this matter. Per my cell phone recordings this conversation took place on XXXX-18 at XXXX. PST. Please pull the recordings and listen to the conversation with XXXX and dont rely on the company to do their due diligence on the matter. 

I feel that I am being harassed, threatened, misled, & abused by Synchrony Bank TJX Rewards. This  is a serious matter that needs to be addressed.

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 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have 9 fed student loan accounts that were dinged 90-119 days late. The time the accounts show late in in XX/XX/2015.  I had a retroactive forbearance approved for those specific dates yet they still report negative on my credit report. I have filed a dispute with the credit bereaus and XXXX has sent a reply saying the accounts have always been in forbearance. Its impossible for there to be a late payment if the account has always had a Forebearance. It is not right for them to charge massive interest during the forbearance period and say that I was late. I need this fixed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: My complaint ; Equifax and XXXX is being negligent and their investigation is taking to long that I requested both of them to do over 2 months ago. XXXX did their investigation with in the first 30 days and removed all the improper information on my credit report which is perfect with that credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was on a retroactive forbearance for my student loans through  XXXX   XXXX  from  XXXX   XXXX  through  XXXX   XXXX .  XXXX  had reported on all   XXXX   credit bureaus that my  XXXX  payment on several of my accounts was 90 days late. The reporting significantly decreased my  credit score . I filed a dispute with the credit bureaus with documentation, but it has gone no where.

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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: The credit report dated XX/XX/XXXX provided by XXXX showed XXXX XXXX for two accounts showing on my Transunion report. Those accounts numbers were account # XXXX and XXXX. As of XX/XX/XXXX, they reported that the amount owed for account # XXXX was {$250.00}. On the same date, they reported the amount owed for account # XXXX was {$260.00}. The original accounts from the original creditor, XXXX, became delinquent as of XX/XX/XXXX. This means that XX/XX/XXXX would be the correct Date of First Delinquency. As of XX/XX/XXXX, according to a statement from XXXX, the final amounts owed were {$210.00} and {$170.00}. The accounts with XXXX were charged-off and any interest or final fees owed to XXXX can not be applied after the charge-off occurred. XXXX XXXX, a debt buyer, can not legally inflate the amount of the debt after the original creditors write-off. Under 15 USC 1692f 808 ( 1 ), the  law states the following : The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
This is no legal explanation as to why the amount owed in the two collection accounts was inflated. We can only assume that this was done in retaliation since they only inflated the amounts after I filed a dispute with the credit bureaus because the company was reporting an incorrect amount for both accounts ( less than what it shows now but more than the original amount ) and the dates were being reported incorrectly. These debts are from XX/XX/XXXX. From XX/XX/XXXX until the time that I filed the dispute with the credit bureaus in XX/XX/XXXX, the original amounts have never increased. They did not increase until I filed the dispute which shows a clear retaliation from XXXX XXXX. 
In addition, the company is showing the wrong first date of delinquency. In this case, it would be XX/XX/XXXX. They are reporting a date in XX/XX/XXXX in violation of my rights as a consumer. I am attaching a previous credit report from this year as well as my most recent one so you can see the increase in the amount reporting. Please note that the XXXX credit monitoring that I am using shows the original creditor reporting however it is actually XXXX XXXX that is reporting the accounts to Transunion.

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 02-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XX/XX/XXXX, I called Citi to either cancel or product transfer my Citi Thank You Premiere credit card before the annual fee recurred in XX/XX/XXXX, due to no longer using the card. After speaking with the customer service representative, I decided to do a product transfer to the Citi Dividend Card, which does not have an annual fee. I was told that the product transfer would go into effect on XX/XX/XXXX. I asked why it took so long, and was told that was " standard procedure ''. I expressed concern that I would be charged the annual fee on the CTYP, as avoiding this fee was my primary motivation, and I would cancel the card entirely rather than product transfer if the fee were to be in effect due to the significant delay of the product transfer. I was assured by the customer service representative that no annual fee would be applied for the CTYP, and that I would receive my new Dividend card in the mail. When I asked for that in writing, he said he would make a note on my account. 


I was in fact charged the {$95.00} annual fee on XX/XX/XXXX. I did not notice this, since I had no activity on this card, until my automatic payment went through from my bank a month later. I was surprised to see a payment to this card, as I had no spend activity on this card in several months. I investigated to find this fee had been charged fraudulently, in direct contradiction to the guarantee I was made by Citi 's customer support team. I would have cancelled the card entirely had they been honest about the fee being charged. 


After an hour and five minutes on hold with their customer service, I spent 25 minutes explaining and re-explaining the situation to the customer service representative while he asked if I wanted to do other product transfers or cancel the account. I explained I wanted the planned product transfer to go through and the annual fee to be refunded. He first told me that the refund of the AF had already processed, but then when I pressed him, came back and said that it had not, just that my payment for that statement had gone through. After several more times of them avoiding the statement, he said a refund of the annual fee had been processed and I would receive an email to that effect within 24 hours. I told him I needed that confirmation in writing before the end of the call, or I would submit this complaint. Since I was charged the annual fee despite being told my a customer service representative that I would not be, I am assuming I will never get this email confirming that I will get the refund, much less get the actual refund.

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 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have called and also submitted disputes online about the issues, when I first disputed the incorrect information it was removed. For some reason it was put back on, you responded to my first complaint through the CFPB stating that I did n't contact your company about the negative information showing on my credit report when in fact I have contacted your company several times, I have even faxed proof showing that information should have been deleted from my report and nothing has been done. I ca n't even dispute online anymore because every time I try I get a error message stating that I ca n't dispute it online. I 'm not sure what else I need to do to have the negative accounts removed from my report. You have addresses reported and inquiries showing that I did n't authorize and yes I disputed this last year and it was removed like I said earlier then it was put back on my 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 06/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (VA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Signed up for US Bank Altitude reward card on XX/XX/XXXX, with the primary reason being their 3X reward points on digital wallet purchases. I bought a XXXX Smartphone to be able to take advantage of this feature of the card. As soon as I received the card, I began using the card for all my purchases, from travel, to groceries, to everyday miscellaneous spending. On XX/XX/XXXX, I tried to use my card at a grocery store like I had several times before. It did n't work. I was n't sure if it was the digital wallet feature ( XXXX XXXX ) or the card itself. I called US Bank and they told me they could n't tell me what the problem was, but I was given a name and number in the investigations department. I called the phone number the next day ( XX/XX/XXXX ) and left a message. I got in touch with a representative the next day ( XX/XX/XXXX ) and was told that my card was closed because I had violated the card agreement by purchasing gift cards. I had done so on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I buy one gift card for my wife each week for her purchasing as a tool for budgeting. I have done this with other credit cards for years and never had a problem. While it would be inconvenient, I would have no problem not doing this on the US Bank card ( even though it is normal spend on my card ), but that my card was closed with no warning seems to violate any customer service standards or card agreements.
Additionally, upon account closure, I lost any access to rewards points that I had accrued.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Hello! 
I am a Delta Skymiles member and I received a letter from American Express offering me a Delta Gold American Express card. The offer was if I spent {$1000.00} in the first 3 months I would receive XXXX Skymiles as a bonus. I was specifically targeted for this offer. I applied and was approved and received the card. I spent the required {$1000.00} within 2 weeks. I have been monitoring my Delta account to see when I was going to receive my bonus miles but the bill closed on XX/XX/XXXX and I still did n't get any bonus miles. So today I " chatted '' on line with an XXXX rep who said that I was not entitled to the bonus miles because I have had this same credit card sometime in the past. If that is true then why did American Express specifically target me for this offer? They absolutely know that I had this particular card sometime in the past. If I am not eligible for the bonus points then I should NOT be offered them as a bonus for signing up for this card. It 's false advertising. American Express said there is nothing that they can do for me so that 's why I 'm contacting you. It 's bait and switch. Thanks for your help in this. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I 've just reviewed my Credit History Report and have seen only 2- Late Payments, I ca n't seem to understand, how my Credit score can be this low, when all of my other Credit Bills and Payments are always on time, also, by the way the XXXX has to be a mistake they probably posted my payment late, the legitimate late payments have only been with XXXX back in XX/XX/XXXX-XX/XX/XXXX and that 's it, I know my scores last year was in the XXXX, how could they go down now?

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have wrong letters and contacted both Equifax credit and XXXX about the hard inquirys recently put on my credit they have refused to remove th hard inquiries and it was not me none of the hard inquiries was me for auto loans. They told me I need to place a police report the police said that no crime has been committed so Im at a rock and a hard spot. But here has been XXXX hard credit pulls for auto loans most of them where done from XXXX XXXX 2017 to XXXX XXXX 2017 My name is is XXXX XXXX

Company response to consumer: Closed with explanation