milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is a issue regarding multiple shortcomings in the credit reporting process. On XXXX XXXX, 2015 I ordered my XXXX credit reports and score from Experian. The Equifax score was over XXXX points lower than the other XXXX credit bureaus even when computed by the same scoring model. No one can tell me why the score is so much lower even when the information in all XXXX bureaus is nearly identical. The experian credit factors also states that negative factors include the fact that my oldest account is less than 6 months old and that I am behind on my mortgage ( There is no delinquent mortgage reported anywhere on my credit report and the oldest open account is over a year old ). The same XXXX inaccuracies are also present on the XXXX record. These credit reports also list several credit inquiries that I have disputed many times and each time the dispute comes back stating that " then entry is of factual record '' and the inquiries have not been removed. There are several inquiries that I have not authorized and are having a negative impact on my credit quality and there should be a way to get these inquiries removed if they were not authorized. These inquiries include XXXX XXXX/XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX I. I have disputed these entries more than once and have even tried tracking down phone numbers for each the creditors of which is just a endless loop of phone calls and transfers to departments that have no way to look up any record of me applying for credit with each respective lender. There is also just a blatent disparity of data accuracy across the reports with for example XXXX bureau reporting a account open and another reporting the account closed on a loan which was paid off years ago. When a consumer disputes this information sometimes the info is fixed but more times than not the dispute is left unresolved and at times when disputing these entries there is a text box within the dispute that only gives me a few XXXX characters to describe dispute which is no where long enough do describe all of the information that needs to be corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/XX/XXXXPurchased mattress and mattress cover from XXXX XXXX XXXX  XXXX AL.XX/XX/XXXX Called XXXX XXXX XXXX to Pick Up and Return Misrepresented Items Sold to Me. Called XXXX and XXXX XXXX to Advise of Return and Credit to Accounts. XXXX entered a dispute claim and has subsequently credited my account for the taxes and delivery fees charged. XXXX has not credited my account despite adamant assurances by representative XXXX that my account balance was showing a {$0.00} balance ; that XXXX had no pending charges to my account ; nor any authorizations for charges by XXXX XXXX XXXX or any others to my account ; and, that no charges could be placed on my account once I authorized my account to be closed that evening as she recommended ( Note : My account is not showing that account was closed at my request, just that it was closed!!! )XX/XX/XXXX XXXX XXXX XXXX XXXX Driver Picked Up Misrepresented Items for return after I waited all day for them, because they do not provide a specific pick up time frame -- inconsiderate and inconveniencing the customer with their XXXX open pick up time.
XX/XX/XXXXXXXX XXXX Charged My Account for XXXX XXXX XXXX Items returned onXX/XX/XXXX, despite assurances otherwise. Balance owed of {$1400.00} showing up on Experian, not XXXX or XXXX. This has caused an adverse effect on my previously excellent credit scores and reports.
I am requesting that this balance due be corrected to reflect a XXXX  balance at XXXX XXXX, Experian, XXXX, and XXXX for the returned items that were misrepresented to me by XXXX XXXX XXXX ; and that my credit scores be returned or elevated back to their high and excellent levels prior to this deceptive situation ; and, that updated reports from all reporting agencies be sent to me and others accessing my reports within this time frame.
I also want to make other consumers aware ( Buyers Beware ) of the deceptive non-return policy of XXXX XXXX XXXX XXXX not wanting to pick up merchandise for 30 days ; the misrepresentation of the contents and feel of their merchandise in the store vs what is received. Also, the inaccuracies and untruths told by representatives at XXXX XXXX ; and the inaccurate reporting by Experian Credit Reporting Agency.
Your very prompt attention and cooperation in all these matters is most appreciated.
Sincerely, 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 01-09-2017 about Credit card () with CITIBANK, N.A. (OH).
Issue: Transaction issue

Complaint: I attempted to use my Sears Citi credit card for {$1600.00} purchase for a washer and it was rejected even though I had zero balance and {$2000.00} limit. I contacted them and was told they chose to put a hold on my card because $ amount was outside the scope of my normal purchase range person and this hold protected me.This hold discriminates against the consumer with a low credit limit and small purchase history for small purchase and payment history. Am I to know that a reasonable person should call ahead to get permission or is this a way for the credit card to anger the small user so that they will cancel their card is costly to credit card company to maintain the account. Also the attitude and demeanor when called the customer service line was that use of the card was up to them and not me. I believe the whole experience was very embarassing and the credit card does not care whether I ever use their card because I am a small fish in a very pond. XXXX XXXX e-mail XXXXXXXXXXXX

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 05-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Lender has set a foreclosure sale date during short sale review process. Short sale was submitted for review. DiTech mis-assigned the file and changed systems which created delays. Alleged correspondence from DiTech requesting additional documents never received. Although this is in loss mitigation review, DiTech has now scheduled a sale date and refused to postpone to review for short sale.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: BANK OF AMERICA IS REPORTING THE ACCOUNT # XXXX WITH OUTSTANDING BALANCE, WRONGFUL DATE OF EXPIRATION AND REPORTING THIS AS A REVOLVING ACCOUNT WHEN IT IS A MORTGAGE. ACCOUNT IS TOO OLD TO BE ON FILE HAS PASSED A 7 YEAR STATUTE OF LIMITATIONS AND IS IN VIOLATION OF FCRA RULES AND REGULATIONS REMOVE THIS FROM MY REPORT IMMEDIATELY AND ACCORDINGLY I HAVE CONTACTED BANK OF AMERICA SEVERAL TIMES WITH NO LUCK, NOW THEY HAVE CHANGED THE STATUS OF THIS ACCOUNT TO FORECLOSED WITH EXPIRATION DATE OF XX/XX/XXXX WHEN IT WAS REPORTING XX/XX/XXXX AND THEY ARE REPORING SAME ACCOUNT DIFFERENTLY TO THREE CREDIT BUREAUS ... THIS IS A VIOLATION OF FAIR CREDIT REPORTING ACT AND A VIOLATION OF FAIR COLLECTION PRACTICES. I 'M DEMANDING BANK OF AMERICA TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH FCPB AND FTC RULES AND REGULATIONS

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 07/18/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Loan modification,collection,foreclosure

Complaint: In 2011 I sold my condominium unit in a short sale. Bank of America who was the primary mortgage provider did not send me a XXXX form to verify that the loan was paid-off. Since then my credit report is showing the loan amount as I still owe it to the bank. I am calling Bank of America for the last two weeks and have not seen progress in getting that form. Each person I am talking with transfers me to different offices and no one provides me direct answer on why this form was not initially sent and when they will provide it. This is time sensitive case as my current employment is pending on that form.

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 05/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I submitted online disputes and im supposed to recieve a corrected copy but when I request my report from all three credit monitoring services im told i already recieved my annual report and i have not recieved anything to date

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Making/receiving payments, sending money

Complaint: I have an account at citibank for more than twenty years. recently they informed me that my direct deposit alone would not qualify me for free checking, so they recommended a basic checking and savings account and it must include a monthly recurring bill payment. my account was set up on XXXX XXXX 2015. The agreement ( by phone ) was that each month starting in XXXX 2015, they would make a payment to CITICARDS as installment on my creditcard. The payments are due on the XXXX of each month and they would debit the amount on the XXXX of each month. On XXXX XXXX, i discovered that they did not make my payment. I called CITICARDS and explained the situatation and they inturn, deducted the money from my checking account. I was told by the representative that a FEE will be accessed, once my new statement is generated, and i should call them, and they will remove the fee. On this day XXXX XXXX, I discovered that the FEE has been charged to my account and I called CITICARDS, told me that they can not remove the charge of {$35.00} because it 's justified, and it 's not their fault. I then contacted Citibank checking, and while they are fully aware that an error was made, they are telling me there is absolutely noting they can do. I believe this is wrong. How can i be responsible for a fee that i did not create? I would like some help. I can imaging the number of people these banks cheats out of their hard earned money. 
Thank you for understanding

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-09-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Account opening, closing, or management

Complaint: When I was in college I moved around alot. My identity was stolen using cards and other information that came in the mail. I had opened an account with Suntrust and they sent my card to one of the old addresses. Someone tried to use my card and Suntrust then placed a fraud alert on my account. I contacted them and told them what happened and they would not remove it. They will not even send me a letter or anything telling me if I owe them or not. This is causing me a lot of pain and suffering. I have not been able to open an account anywhere! They will not even allow me to dispute it. I have went through XXXX XXXX XXXX and they are still no 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 non-monetary relief
Consumer complaint received 04/25/2015 about Debt collection (Credit card) with Pressler & Pressler, LLP (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Although I was only allowed to check XXXX statement in each category, almost all of the above apply. A debt that was satisfied in 2005 with proof from my credit union, they presented to the courts, continue to leave on public record, removed money from my bank account and told motor vehicles not to issue my registration ( although motor vehicle did cash my check ), Motor vehicle has not sent my registration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Credit card) with Crown Asset Management, LLC (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a collection notice from Crown Asset Management , LLC ( original creditor XXXX ). According to XXXX consumer access, this agency is not licensed to collect debt in the state of MA, where I reside.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2015 about Bank account or service (Other bank product/service) with ACE CASH EXPRESS, INC. (MN).
Issue: Deposits and withdrawals

Complaint: I went to ace cash XXXX in Minnesota .... To cash money order ... XXXX One person only there ..the person told me to sign it n give social ... .then came bac saying could not cash ... ruining that money order ... She looked at me laughed n said sorry nothing I can do ... she then later a few days ..that she had expressed to another coustumer that I was there to cash money order but could n't and I caused a science ... which was not true ..I feel like my private info was told n discussed and a person came n told me about that ..I was like how did u know ... .was said XXXX XXXX working there told her ... .how imbrassing n my rights have been violated., ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of Identity Theft and asked for an Identity Theft Block under FCRA 605B and Transunion deleted the accounts but not the inquiries. They said the reason was that I did n't identity them properly, so I am doing so here so there is a record of it. 

Unauthorized inquiries : XXXX XXXX/XXXX/2016 XXXX XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 If for any reason they have an excuse not to delete them, I DEMAND to see the following : Permissable Purpose ( Pursuant Section 609 FCRA ) Verbal or Written Authorization ( Pursuant Section 609 FCRA ) and their detailed procedure for investigation ( Pursuant 611 FCRA ) Thank you

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 07/22/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: I have changed the settings in my Best Buy credit card electronic system so that only the minimum payment could be paid from my XXXX XXXX XXXX account, and erased all previous bank accounts so they would n't be charged. In this month, XXXX 2015, Best Buy charged both of my bank accounts, XXXX for {$63.00} and XXXX XXXX XXXX for {$1700.00}. I never authorized Best Buy to take the full balance from my XXXX XXXX XXXX account, since I know I do not have all the funds available. In addition, I had removed my XXXX account from their system, which makes the payment processed on XXXX/XXXX/2015 unauthorized as well. I have both of my accounts negative and no money for the week and bills, due to unauthorized activities from Best Buy. Yet when I contact them, their response is that this is my error and they are not responsible for any of these system errors. Both of Best Buy claims department and costumer service department contradicts each other as when giving me information, and lacks communication. None could help me explain why was I being charged and the mix information given was that I must cancel online, and the other said to cancel the automatic payments over the phone. I have done both but my account was once again charged and overdrawn for {$1700.00}. This whole situation is very stressful and drives me desperate, since I am left with several overdrawn fees, no money in my account for personal use or to pay bills, and several hours of phone conversations to have no solutions. I am tired, stressed and under a whole lot of pressure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Mortgage (Conventional fixed mortgage) with UNITED SECURITY FINANCIAL (PA).
Issue: Credit decision / Underwriting

Complaint: My husband XXXX and we 're looking to obtain a mortgage through United Security Financial out of Utah. We first refinanced our home and then after we started working on the process of obtaining a new mortgage for our upcoming move. We had a closing date set for XXXX XXXX. We were told our final condition was showing that we would be renting our current home ( along with a few others that we satisfied ) and that they needed to see a lease agreement. This was provided. Fast forward to Thursday XXXX XXXX I get told they laid off an entire office, the office that was handling our mortgage. After this time it was hard to get a hold of anyone or talk to anyone. Now conveniently we all of the sudden dont qualify. Finally on the Friday after sending some concerning emails the manager called me and said that we could n't be approved. She had barely even gone through our file so much so she did n't even know our recent mortgage was refinanced through her company just in the prior month! She said the only way she could approve is via a XXXX arm FHA. After I said that is not what we were told and our mortgage was basically approved we would not be accepting those terms. She preceded to thank me for wasting her time. This company is completely unprofessional and I feel should be investigated. We did n't even receive all of the required disclosures when obtaining a mortgage. We almost lost the purchase of our home. Thankfully we found another company who was able to complete and process the mortgage with approval in less than 3 weeks. I have retained all emails regarding business with this company. I have all correspondence with this company from emails to text messages from the originator.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MT).
Issue: Deposits and withdrawals

Complaint: I withdrew money out of my account at a branch of my bank in another State. Later, I took the money out of the envelope, counted it and discovered that I am short {$100.00}. The teller counted the money out incorrectly!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/16/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I did have a XXXX account quite some time ago ... maybe 3 or 4 years ago but the amount being reported on my credit is inaccurate and I asked about it several times but ca n't get the amount verified fully.

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 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I reached out to XXXX XXXX, and Experian and explained to them that I did not authorize my credit to be ran by these companies and wanted the information deleted off my credit report. I was spoken to rudely.The issue was never fully resolved. The inquiries were removed at one point and were eventually placed back on my report and I was never notified the inquiries were placed back on my report. According to the FCBA that is against the law. I am requesting that Experian, XXXX, and XXXX to remove all inquiries pertaining to auto loans due to not being notified. The inquiries are as follows : XXXX XXXX Auto Finance XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 IN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN 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 XXXX XXXX XXXX XXXX XXXX SXXXX 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 explanation