milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-02-2017 about Credit card () with CITIBANK, N.A. (OH).
Issue: Billing disputes

Complaint: I never received my monthly statement for the billing cycle, and I missed my payment. My credit dropped by XXXX points for this one time missed payment.

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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: According to the NCAP ( National Consumer Assistance Plan ) reporting guidelines implemented by XXXX, XXXX and Experian : Beginning XXXX XXXX, 2017 public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name, ( 2 ) Address, and ( 3 ) Social Security Number and/or date of birth and Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. " ... civil judgments and approximately half of tax liens are not expected to satisfy the enhanced standards and will no longer be reported. These changes will be applied to the CRAs consumer reporting databases in XXXX 2017. Modifications will be visible on credit reports soon after. '' I contacted XXXX, XXXX, and Experian on XXXX XXXX, 2017 to have a lien removed from my credit report as it did not meet the minimum reporting requirements as outlined above in the NCAP. My request was refused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-12-2015 about Bank account or service (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (UT).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2015 i was emailed a BMO Harris checking account cash coupon for {$200.00} to open a new checking account with promo code XXXX ' and to deposit at least {$100.00}, set up direct deposits of {$300.00} or more within 60 days of opening a checking account and to maintain such direct deposits it would deposit a {$200.00} bonus into my account 120 days after my account became opened. 

On XXXX XXXX, 2015 BMO Harris Bank N.A . approved me and opened a checking account for me where i deposited {$100.00}. On XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015, & XXXX XXXX, 2015 I set up direct deposit and had my monthly {$750.00} social security income deposited on each of these months. On or about XXXX XXXX, 2015 i contacted BMO Harris Bank N.A . at its customer complaint resolution at telephone number, XXXX, concerning my {$200.00} bonus and was told by a female BMO Harris representative i needed to wait until my XXXX XXXX, 2015 direct deposit came before this representative could place a request that I be able to receive my {$200.00} bonus. On XXXX XXXX, 2015 this representative put a request in which BMO Harris told me takes 3-5 business days to process and stated that if my {$200.00} bonus was not deposited after XXXX XXXX, 2015 it could expedite my deposit immediately. However, on XXXX XXXX, 2015 when i contacted BMO Harris concerning my {$200.00} deposit another female representative, XXXX stated that she spoke with another department in BMO Harris who informed her that I would have to wait until XXXX XXXX, 2015 to get my bonus. 

Per BMO Harris Bank N.A . terms in its checking account cash coupon for {$200.00} it clearly stated that after 120 days of my account opening i would receive my {$200.00} bonus. Again, this account was opened on XXXX XXXX, 2015 and 120 days from that date, was XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed an account on my experian credit report that is being reported by XXXX XXXX XXXX. I have also sent the collection agency several letters stating the account is fraudulent and even sent proof of my residence at the time they state I resided there. I asked for proof of the account and still has not received any proof. Now Experian is stating they will not accept another dispute from me and the collection agency is still reporting and continuing to add fees each month ( original collection amount showed about {$1300.00} now account showing over {$2100.00} ). I 'm requesting that this account be removed from my report because it does not belong to me. And yes I have did a fraud affidavit.

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 03/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX, 2017, I had 48 hard inquiries removed and then they were put back on. I did not receive any notice as to why they were put back on my credit report. I have tried disputing these items with Transunion and I am not getting anywhere. There were a few that I did not want removed because they are current and they were XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX. Also when the glitch took place, closed accounts that were no longer showing up with a negative affect on my account, are now showing up affected. The school loans are showing up as late when they were deferred. 
Can someone please assist with this, I am trying to build my credit and this issue is holding me back from getting ahead.

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 02/27/2017 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Statement filed with BBB and Roundpoint mortgage on XXXX/XXXX/XXXX : I acquired a mortgage on XXXX/XXXX/XXXX and began making bi-monthly payments of {$320.00} beginning XXXX/XXXX/XXXX. the first payment was not due until XXXX/XXXX/XXXX, so I should have been saving some interest as well as having about {$100.00} additional applied to my principal. 

Come to find out, they have this set up so that I can not save on interest. Money is being put into escrow. additionally, funds received prior to the first of the month are not being applied to the intended month at all. there is no way for me to get ahead the way that they have this set up. 

I called today to have my due date changed to the end of the month so that I can make my payment early in the month and save on interest, as well as not worry about late fees when using direct deposit. I get paid on the XXXX and the XXXX so if I do bi- monthly payments, I will never be on time the way that they have their system in place, even if I am paying ahead. If my due date is toward the end of the month, say the XXXX, we will have no problems. 

I will appreciate any assistance in clearing this up. All I want to do is make my mortgage payment and save a little interest the way I was told I would be able to do so. 

I was told today that I would have to refinance to change the due date, this seems like a crooked statement to me and I will not accept that. I will not hand over thousands of dollars to refinance a mortgage just to change a date on the papers. 

Thanks, XXXX XXXX Since filing my complaint, I have continued to make my payments as I have. I received a payment coupon mailed on XXXX that stated my outstanding principal was {$75000.00}. I received another mailed on XXXX, my outstanding principal is now {$75000.00}. How does my principal go up {$410.00} in 4 days when I have been paying extra toward my mortgage from the beginning? I get no answers from Roundpoint. I was on hold for 45minutes earlier today.

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 10/15/2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My credit report shows XXXX open amounts from XXXX collection companies that have been paid since 2011. 

I am trying to get a home loan and I am unable to get my score to go up. I make regular payments and pay my cards off or at least to XXXX the remaining balnce at most.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with RoundPoint Mortgage Servicing Corporation (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This complement is for :  RoundPoint Mortgage   Servicing   XXXX   XXXX   XXXX   XXXX , NC  XXXX  My loan :  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX  Hi, My name is  XXXX   XXXX , RoundPooint gave me a   XXXX   % reduction to pay off my mortgage and they report to the creditors than I owe Roundport {$5000.00} back in       2014   XXXX  .   Loan #  XXXX  property address is    XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  .   <P/> Roundpoint report my mortgage pay off as a short sale when they gave me a reduction to pay off my mortgage. And they reported the  Recording with  XXXX  county w rong. Which they are re-recording that 's what they told me and will ta ke 2 to 3 mo nths. Spoke  XXXX  refused to fix my credit with  XXXX . When I speak to them Roundpoint representative they tell me they did not reported as short sale.   I am not getting my issue solved by my self.

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 08/30/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My mortgage loan with XXXX XXXX was reported on XXXX/XXXX/2016 as missing the payment for XXXX 2016. This caused my credit score go down XXXX points. The same loan reported by XXXX on XXXX/XXXX/2016 show the payment made. See below XXXX report : Current Worst Payment Status 120-149 Days Late Date of Last Payment XXXX XXXX, 2016 Amount Past Due {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (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: On  XXXX   XXXX  I submitted a dispute with Equifax regarding inquiries that are reporting and are not inquiries initiated by me. I have called several times only to be told that there is nothing they can do and that it is factual. I asked how can it be factual if I am telling you I did not initiate. The dispute I submitted on the  XXXX  came back the same day stating that it will continue to be apart of a factual record. There is no way possible that Equifax investigated my dispu te in 24hours. I get zero coop eration when calling Equifax. They are suppose to help and listen but before you can get a word out they shut you down. The customer service representative do nothing to help when you tell them that you never initiated inquiries or accounts for that matter. I placed a fraud alert because I did not know all of that information was going on with my credit report. I asked that they delete those inquiries off my credit file and s till in 24hrs it w as investigated ( I DO N'T BELIEVE IT ). They obviously looked at my dispute and said oh well its on there and will stay regardless if she said she did n't know anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX XXXX listed collection accounts on my credit report for XXXX XXXX on XXXX XXXX, XXXX. However they listed the original reporting date as XXXX XXXX, XXXX. When I called XXXX XXXX XXXX XXXX ( XXXX ) I spoke with XXXX XXXX a Collections Representative on XXXX XXXX, XXXX he indicated the actual debt occurred in XXXX XXXX and had already been paid by XXXX my auto insurance carrier under my personal injury protection ( PIP ) coverage in XX/XX/XXXX. I then spoke with XXXX XXXX XXXX XXXX for ( XXXX ) and he advised me of the same. However this account was actually paid prior to it being updated on my credit report on XXXX, XXXX which they knew false information was being provided to Transunion. However I did notice the changes to my credit report until I checked on XXXX XXXX, XXXX through XXXX XXXX XXXX. Transunion failed to calculate the timeliness of this reporting as being out of the statue of limitations for the State of New Jersey which allows a XXXX ) SOL on all debts. Also this debt involves medical information, Transunon requires me to contact a special handling person in order to discuss or file any disputes as they see them as frivolous or being done by a third party credit repair company. I check my all XXXX of my credit reports monthly and these collection accounts was never reported until XXXX XX/XX/XXXX. 
XXXX has agreed to delete the accounts as they are not accurate as they have admitted and XXXX XXXX asked me why it took XXXX so long to pay the medical bill and I reported to him that was a question for XXXX not me. According to the FCRA : Duty to Correct and Update Information - If at any time a person who regularly and in the ordinary course of business furnishes information to XXXX or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify allCRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). 
Transunion also had an obligation under the FCRA to report accurate information in which they should have questioned the update status as they collection accounts never appeared on my credit report until XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello, I have 4 hard inquiries on my credit report t without my authorize. The company name and dates on my credit report are : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 explanation
Consumer complaint received 04-01-2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX XXXX XXXX was paid {$720.00} in 2013 in an effort to have them remove a collection from my XXXX and XXXX credit reports. Despite me never contracting with company I paid them because HSBC refused to collect the monies owed to them. I now have a delinquent HSBC entry and a XXXX XXXX collection account for the same debt. I have made several calls to request deletion of improper entry to my credit report but was told it is not their policy to delete especially since I had already paid. I never received notices. The item just appeared on my credit report. I was never allowed to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Student loan (Non-federal student loan) with CITIBANK, N.A. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: They continue to apply the loan payment incorrectly despite specific directions on the check and multiple contacts and notes on the file with customer service. This has made it past due on multiple occasions. The check clearly states to " apply excess to loan x '' as it is our plan to put even a little extra money to help pay it off early. Yet they continue to apply the entire amount to loan x making us " delinquent '' on the other accounts. I have spoken with multiple representatives who have verified that they understand what it means to apply excess to loan x. As this has necessitated calling in multiple times this brings me to another concern, there is no easy way to speak to a representative. You can not push XXXX, but instead have to listen as they detail that the payment is late and would you like to make a payment. The truth is the payment is not late and this call is to remedy the mistake made by the company and yet I can not speak with a representative until over 5 minutes later. For those of us who work ( especially multiple jobs ) there is not always time to spend 5 minutes going through an automated system and then explain the situation to a representative who says they will do what they can, but that this is how the system works. The system needs to be remedied so that simple directions can be followed on the written checks and applied correctly, making it no longer necessary for multiple calls by the consumer. Further this even helps the company as they do not have to call or email about delinquent accounts that are actually not delinquent.

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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XXXX2018 received a response from CFPB ON a TransUnion dispute complaint. Case # XXXX. Trans Union since then has dropped my scores for unknown reasons in just two days as of XXXX2018. From XXXX to XXXX in two days. How is this possible? I have not applied for any loans, no collections or nothing. Decreased because I reported to the CFPB? Am I being punished? I have rights to dispute my credit file. Why did I get punished. My employer has brought to my attention the decrease and may lose my job. I have two weeks to get my status where it was or else I will lose my employment. This seems like a game and these credit bereaus are hurting the American people.

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 09/16/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (KY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Portfolio Recovery Associates doubled the charge off balance from a charged off XXXX XXXX XXXX. I have attached a copy of what it shows on my credit bureau reports. Also, they have called my parents ( I am XXXX and they are not authorized in any way to discuss nor use this account ) and numerous times, threatening to have me arrested if they do not pay or they want to serve legal papers but they can be stopped if someone pays. I also have about 18 calls from PRA from the last two weeks indicating they are some bogus litigation dept.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Dear CFPB My name is XXXX XXXX and Iam writing you about an entry listed on my credit report which I have tried to have removed. Apparently someone with asimilar name to mine filed bankruptcy in the federal district and with US bankruptcy courts and it appeared on my credit report. Through XXXX, XXXX and equifax systems i filed a dispute stating that someone with asimilar name had filed this public record and it was not mine. Unfortunately it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and the federal district and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a creditreport. I ask that you remove it immediately.

Company response to consumer: Closed with explanation