milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/25/2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XXXX XXXX, 2015, I contacted Experian via XXXX in regards to some inaccurate information that is currently being displyed on my Experian credit report. In my letter, which I have also enclosed for the CFPB viewing I included a copy of my Colorado drivers license, and a utility bill, which Experian requested via thier phone message that they have for the consumer when the consumer calls to order thier credit report, if the information they have on file for them does not match Experian records. 

I would now like to take the time to address the letter that Experian sent to me in responseto the letter that I mailed to them with my disputes enclosed. Experian has written in thier letter to me, Dear XXXX XXXX XXXX XXXX, we recieved a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious request are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. Experian will apply this same policy to any future suspicious requests that we recieve regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 
I would now like to ask Experian how did they come to the determination that my dispute were suspicious? because I sent the correspondence to Experian, that they requested in order to begin my dispute process! According to the FCRA Experian as they are no doubt aware that what they are doing is illegal, and is in VIOLATION of the FCRA LAWS! 

This is written notice to Experian that thier claim has been disputed under the Fair Credit Reporting Act ( FCRA ). I have the right to dispute any inaccurate information that is being reported in my credit file. I have requested proof that the addresses, phone numbers, and the erroneous names in which have been illegally displayed on my credit file be verified, and if verification can not be made within the 30 day time frame allowed to Experian by law. The disputes listed in my original complaint must now be completely removed from my credit report. ( Experian will now exceed the time frame allowed to them by law, i sent my disputes out to them on XXXX XXXX, 2015 ). 

Experian legal staff will agree that compliance with this request is required under the laws of the FCRA and Colorado and Federal Statutes. Per the FCRA each disputed item that Experian continues to disply on my credit report, once they have exceed the dispute process time limit, could result in a {$1000.00} fine per disputed item as Experian is no doubt aware.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2015 about Credit card () with CITIBANK, N.A. (VA).
Issue: Advertising and marketing

Complaint: I applied for a Best Buy Credit card. 
I was denied by CITIBANK. 
I was not aware that I was applying to CITIBANK, I subsequently discovered that Citibank was mention on the app in mice print as the " issuer '' of the card. No identified as the " decisioner '' If i was aware, i would not have applied. 
I wanted to apply for a Store Card, not a Bank Card as their criteria for acceptance is generally lower and they do not usually do a HARD inquiry on my credit. 
Immediately ( with 1 minute ) I called Best Buy/Citibank and requested that my application and subsequent HARD inquiry on my XXXX credit file be withdrawn. 
I spoke to XXXX different operators/supervisors (? ) was told that " the SYSTEM has already DECISIONED my application '' and it could not be manually removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Vehicle loan or lease (Loan) with Westlake Services, LLC (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: My payment for my auto loan was due and I made a payment on XX/XX/18 for {$460.00}, I wasnt sure if I submitted the correct account so I made another payment to be sure with the correct account for the same amount for {$460.00}. The next Day XX/XX/18 I called to let them know what happened, they told me to go ahead and make a THIRD payment and that the other two would be CANCELED. So on XX/XX/18 i made a 3rd payment for XXXX, the next day- all three payments had been processed including the wrong account and I was charged a {$25.00} NSF FEE. I called to get this reversed they told me the extra payment would be refunded and the {$25.00} would be removed. I called they told me it would take 2 days, I waited until Monday, Tuesday, Wednesday, and NOTHING. I have called every single day and have called my bank to confirm this and nothing has been refunded to my account. I have asked for them today overnight my check and they said they are not going to waste money on shipping. I called today asking for this amount to be credited back and to confirm whether or not the money was refunded I was told to wait until next week. I am not sure why I am being scammed and given the run around everytime I call. I keep being told different things every time I call and have spoken with XXXX XXXX, XXXX XXXX, and XXXX XXXX. This is not including all of the others that I have spoken to along the way. Today I was told I never made any payment but I have the double transaction showing on my account and I have the confirmation number for all three payments made. Please please help me with this

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have tried paying my loan but I ca n't and I am two months behind on my loan and I called them to let them know about the payment peaks loan said ca n't you borrow the money from a family member

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

Complaint: Equifax mishandled my identifying information which has led to a cyberattack that puts myself and millions of others at potential risk. I am infuriated with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have on several occasions disputed with the student loan company as well as the three major credit bureaus that they are reporting four of my student loans being 30,60,90 or 120 days past due and this is incorrect ... I have current and updated proof that these loans are reporting correctly in XXXX which is the information system that at least one of the major bureaus if not all three bureaus collect their information from

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 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: In XXXX XXXX I paid off a collection in full to XXXX XXXX XXXX acct # XXXX and I have proof of receipt. I was told by the collection agency that this collection would be removed / updated as soon as this debt is paid off in full. As of XXXX/XXXX/XXXX the debt was removed and then later placed on my credit report again, I disputed the item again and it was removed on XXXX/XXXX/XXXX. I have proof of both removals. I was not notified in writing within XXXX days of placing this debt back on my credit report. This is a violation of FCRA. As of XXXX XXXX, XXXX I pulled my XXXX, Transunion credit report and I saw that this account was still reporting as a negative item on my correct report and is affecting my credit worthiness. This account was permanently removed from XXXX, so I contacted the collection agency and I was told that they stop reporting this paid in full debt to credit bureau as of XXXX XXXX and that I needed to contact each credit bureau that it was being reported to. so I contact each bureau that 's its reporting on in writing and I received a letter from XXXX  stating this information has been verified and Transunion just sent out a credit report showing remained. This item could n't have been verified because agency stated that they stop reporting this item back in XXXX XXXX and it was already removed from XXXX .I am asking that this account be deleted permanently asap.

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 08/19/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MN).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was purchased from XXXX to Green Tree. Since then, Green Tree made a terrible error with my escrow account. They tried to charge me with over {$2000.00} of homeowner 's insurance in my escrow, when I only pay {$590.00}. They tried to raise my monthly payment from {$500.00} per month to over {$680.00} per month. I contacted Green Tree to inform them of their error, but they refused to listen to me. I physically had my insurance agent on the phone to explain to the mortgage company that they NEVER received any recent correspondence from the insurance company as the policy was not due for a few months. THe mortgage company said they would check into it, but it would take up to 10 days to correct. I finally received word that there was an error, but yet, I still received a bill for the {$680.00} per the mortgage payment. The account is still showing past due - when I mailed a check ( I have NEVER been late on any payments in 13 years ). They miscalculated my escrow, and still are not doing anything about the problem.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-01-2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Virtually since this loan 's inception about six months ago, our lender, LoanCare, has refused to recognize our initial mortgage payment and apply it against our principal. I believe their claim is they never received our check. We have provided proof by means of the ACH tracing number personally and via email from our bank that the payment was processed through XXXX XXXX. Despite my efforts and numerous emails to LoanCare, their employees and a supervisor, they will not adjust our account and statement to show the initial payment. Months later they still allege we have not made the payment. The supervisor I have emailed has not provided, as I requested more than once, her superior 's name ( s ), so I can take this to the next level. I have also requested via the company 's portal that someone contact me. Absolutely no response. That was over a month ago. Please help.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Problem with fraud alerts or security freezes

Complaint: There was a security breach at Experian. The FTC website says that I can put a fraud alert on my account, but Experian is not allowing that. They only allow a freeze, without any customer service assistance, and they charge for the freeze. I want the free fraud alert since this is not my fault. Experian has set up their phone lines so that we as consumers can not speak with a live customer service representative, and the phone tree options only allow the freeze. This is extremely unfair.

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 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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 XX/XX/XXXX, I forwarded a Certified Letter to Transunion Consumer Solutions Disputing the Validity of a Collection account listed on my most recent Credit Report. 
Collection Account - Creditor : XXXX XXXX - Date opened - XX/XX/XXXX. Original Creditor XXXX XXXX XXXX XXXX 
( XXXX - debt buyer ) I also attached a page from an older Transunion Credit Report which was dated XX/XX/XXXX showing a line item XXXX XXXX XXXX  with a last payment date XX/XX/XXXX. XXXX ( XXXX XXXX ) - showing the same account number as the XXXX XXXX account listed above. 
( this account had since dropped off of my Transunion report and the Collection account was added ) I advised that I did some research of my own and was aware of XXXX XXXX XXXX Deceptive Practices and this appeared to be one of them ; False Credit Reporting ; Re-aging an already existing item and that I was aware that this practice was ILLEGAL and it had a severe negative impact on my Credit Score. 

In addition I advised I was aware that XXXX had to pay a {$3.00} XXXX penalty to the CFB 's Civil Penalty Fund, that it Must stop selling debt that it can not verify and that XXXX sent inaccurate information to debt buyers when it sold off credit card debt and used law firms that Altered court documents. 

I also let Transunion know that I was aware of the article on the CFPB website dated XX/XX/XXXX that Transunion must provide more than {$13.00} XXXX in restitution to affected consumers and {$3.00} XXXX to the Bureaus Civil Penalty Fund. 

Transunion came back with the following : Your Investigation Results : XXXX XXXX Information Updated, Verified as Accurate and Updated. 

I do not feel that Transunion has Accurately reviewed the contents of my Certified letter and attachments. 

It was made extremely clear in my letter, that this debt buyer ( XXXX ) has engaged in the act of False Credit Reporting Re-Aging. 

XXXX BOUGHT XXXX XXXX XXXX XXXX XXXX IN XX/XX/XXXX! 
I DID NOT sign any agreement with XXXX/XXXX. 

The above is a clear example of REAGING with the INTENT to severely damage a CREDIT SCORE by adding a NEWER line item and RESET a Statute of limitations. 

Transunion has permitted this to occur by not properly monitoring reporting practices.

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 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Prosper Law Group (AZ).
Issue: Confusing or misleading advertising or marketing

Complaint: I was in a XXXX group called XXXX XXXX XXXX XXXX, which acts as a basic do it yourself credit repair group but in reality it 's mainly for lead generation. In the group it was stated when a question was ask if you have a right as a consumer to see the letter being sent out on your behalf to the credit bureaus, XXXX XXXX XXXX it was emphatically stated it was by a XXXX XXXX. This was one of the reasons I was interested in signing up with them so I could track when letters went out and what was the substance and to make sure I agreed with them on how they were asking for verification/validation. I had a previous bad experience with another company in years past and it was a good one, I basically got ripped off. After signing up with a XXXX XXXX and after a round of letters went out I requested a copy of the letters and I was informed they do n't give those out because they were proprietary and they would be put out of business if they gave them out. I offered to sign an agreement that I would n't give them out for others to see or post them on XXXX or any other social media site. They said they took it to the top lawyer and I was told the same thing even though I told them I signed up basically on that premise. I later found out it 's who you get as your credit coach determines who receives letters and who does n't. I could n't believe I could n't get a copy of letters that went out with my name on them, no where in the contract does it state this exclusion. Apparently XXXX, will give them to his clients but others wo n't. I tried to sign up with XXXX but he never returned my text so I signed up with XXXX XXXX. My credit coach seemed knowledgeable but it was obviously from the beginning that others were assigned the work. I confirmed this the second time I requested a phone call meeting with him and he had no knowledge of my situation as he said several things that did n't apply to me or not what we talked about, he seems confused as to my situation. I was later told by XXXX XXXX I needed to sign up for their upgraded plan that costed more if I wanted better service. Needless to say I was disappointed because the conversation that we had at the beginning know was acceptable and I needed to spend more money each month. They wanted me to go from XXXX a month to XXXX a month. I was told by XXXX in an email I could either upgrade or cancel my service with them. At that point it was an easy decisions. I basically spent XXXX but told I would need to spend more to get better service. Also, my credit seem to get worse not better with several accounts in good standing now showing up as being disputed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/22/2017 about Checking or savings account (Checking account) with KEYCORP (NY).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Charged overdraft fee on XXXX XXXX, but looking at order of transactions posting on my screen it made no sense. Called help center, they gave me a different order of transactions than what is on my end. Still made no sense. Agent says, " Oh, you 're looking at your screen right now? Let me switch my screens. '' Then the agents stops talking about " order of postings '' and switches to " lets do the math '' because you were overdrawn by XXXX cents. 
( I wont even go into how repugnant it is for a company to charge XXXX overdraft fee on {$0.00}, especially when you have three different direct deposits going in to that account, 1 weekly and 2 monthly. ) I interrupt, I say, " Ma'am, I know the math, but you assess you fees in order of posting and that is what I would like to address. I get overdraft fees and do n't call because I can easily see the order of postings. I am not letting this one go. '' She responds that she is not waiving the fee. So say, well there is really no reason to keep speaking with you. I ask for someone with the authority to do so, she said no one at the contact center would. I ask for a number or email of someone above her and she says I will have to go to my Branch. Which really makes me annoyed since whenever I go to a branch the always say to call. 
If I ca n't trust what my screen is telling me is the order of posting, if when fees are assessed the bank gets to talk about " batch posting '' and every time you call they say their own version of postings, when you click on a prior day 's postings they all say XXXX, how is the consumer supposed to trust the fair application of these fees? 
If a fee is assessed in error they still refer to it as waiving a fee, like they are doing you a favor. Courtesy waivers and rectifying an error are two different things. They should be treated differently.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (OH).
Issue: Taking out the loan or lease

Complaint: i was financed for XXXX XXXX corolla {$11000.00}, {$320.00} monthly to American credit acceptance from XXXX XXXX XXXX XXXX, XXXX, ohio XXXX .the car has too many recalls that could cause death and injury, it has too much mileage, too many problems not covered in the two year warranty, tried too get better trade they declined and gave suggestions too get recalls done but all other problems that should have been fixed before financing me for the vehicle was not dealt with. tried too get engine check light fixed from the dealership XXXX it came back on two days later and the car stalls sometimes the breaks which were promised too be new are loud front and back wheels whobbily like they 'll come off the wheel baron gas leak, evap system etc ... ... ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Debt collection (Medical) with Midwest Recovery Systems (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I do not owe a balance with XXXX XXXX XXXX XXXX which Midwest Recovery is attempting to collect on behalf of. My son was recently seen as indicated on the receipt and the account is up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CO).
Issue: Managing the loan or lease

Complaint: account information is incorrect ... they say i owe {$99.00} in interest and yet they are taking {$210.00} i feel they are loan sharks ... i 'm sure after again reviewing my payment history this has been going on since 2012 this only one of my complaints..i constantly get the run around..i have tried making extra payments..i finally got that resolved ( i think although i do n't trust them and there math ) they made me go though many hoops on this write check call ect. ect. ect. and in end applied to interest, they are intimidating dishonest they also have to many service fees loan sharks

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My account has been paidoff in  XXXX  so how can it be reported late in  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