milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-05-2017 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am not sure how to go about requesting this type of change to my credit reports. Currently they all show that I have a credit history of 14 years when in fact it should be around 24. My credit score is listed as being adversely affected due to the shortened reporting and it leaves out payment in full of 2 mortgages, 2 car loans, and a student loan. Is there any way to have these items restored to 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 10/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (UT).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: YET AGAIN THE CUTOFF TIMES OF BARCLAYS BANK IS RIDICULOUS IT DOES NOT BENEFIT ANYONE IN THE XXXX XXXX XXXX IS TOO EARLY ITS ONLY XXXX ON THE XXXX XXXX I HAD SOME INTERNET PROBLEMS AND LITERALY GOT MY PAYMENT OUT 3 MINUTES AFTER THE CUTOFF TIME I AM COMPLAINED SEVERAL TIMES TO THE EXCUTIVE OFFICES AND ITS LIKE TALKING TO THE WALL THERE OFFICE OF THE PRESIDENT EMPLOYEES ARE SO RUDE AND CONCEITED. HAVE DO THEY CONTINUE TO BENEFIT THE XXXX XXXX  AND THERE CUTOFF TIMES EVERYTIME I HHAVE MADE A PAYMENT ITS STILL ON THE SAME DAY ITS DUE AND I MISS THE CUT OFF BY A FEW MINUTES AND THEY ARE SO QUICK TO HAND OUT A LATE FEE. YET AGAIN THEY NEED TO CHANGE THIS CUT OFF TIME IT IS RIDICULOUS AND THERE COMPANY CAN CARE LESS ABOUT IT!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage acquired my home mortgage from XXXX on XX/XX/2016 after I made my XX/XX/XXXX payment. I was not notified of this until early XX/XX/XXXX via a letter from Nationstar dated XX/XX/XXXX which I did not receive until XX/XX/XXXX. The letter said I had a XXXX day grace period to make my first payment to them. I made my first payment on XX/XX/<YYYY> They reported my first payment as XXXX days past due and because of this I do not qualify for Harp. I have made repeated requests that this be corrected and they just send me letters saying they are investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Mortgage (Conventional home mortgage) with LoanCare, LLC (PA).
Issue: Trouble during payment process

Complaint: I am extremely stressed out with the company, LoanCare. My loan was transferred to LoanCare in  XX/XX/XXXX. I was with another mortgage company starting in XX/XX/XXXX, and I never had an issue with my escrow or insurance policies. In XX/XX/XXXX, LoanCare started to contact me about flood insurance. They needed my flood insurance documents or they were going to put me into a lender placed flood insurance policy. My payment was going from XXXX per month up to XXXX per month. I contacted my condo association because I pay into a flood insurance policy through them. That paperwork was submitted to the initial mortgage company. I called LoanCare, which took hours of my time, to explain the situation, and my condo association kept faxing the insurance policy proof to them. I called every four days. They kept telling me that they never received the fax. So, we would go through the entire process again. After the 5th time on 3 way calls with my condo association, I told LoanCare that I was calling a lawyer if they didn't tell me another way to show proof of this flood insurance. My condo association sent me a pdf via e-mail to show me the proof. Finally, last week ( XX/XX/XXXX ), LoanCare told me that I could upload it electronically. I was furious. So, I received a letter confirming that I was removed from lender placed flood insurance. I was pleased until they screwed up my escrow amount again. They calculated it wrong and have me paying the condo association policy amount per month into my escrow. I NEVER PAID THIS INTO MY ESCROW BECAUSE I PAY A CONDO FEE EVERY MONTH THAT COVERS MY FLOOD INSURANCE. I tried calling at XXXX, and I waited 90 minutes to get a customer service representative, and then they disconnected me while trying to transfer my call to another department. I am beyond done with this company. I really want to refinance with XXXX, but I am unable to get a better interest rate right now. This company is stealing from people 's most valuable asset, their home.

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 02/26/2018 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: Collection agency XXXX XXXX XXXX XXXX XXXX firms XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX has attempted to collect a debt and has listed said debt from XXXX refuse in the amount of XXXX $ with all 3 credit reporting agencies. Original date of debt/delinquency is over 9 years old and is being illegally re-aged. I have repeatedly written trans union and their investigation shows the report as accurate it may be accurate that the agency received the account in 2016 but the refuse to state the original date of debt so that it can be taken off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Conns is calling me at XXXX collecting a loan payment that is only a 5 days late and it 's only late because I 've been traveling for work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2016 about Credit card () with AMERICAN EXPRESS COMPANY (HI).
Issue: Customer service / Customer relations

Complaint: I have XXXX Amex accounts - a business account and personal account. On XXXX/XXXX/XXXX, I redeemed Blue Cash Preferred Reward Dollars from my personal account for XXXX American Express Gift Cards totaling {$170.00}. The website would n't accept my billing address, a XXXX XXXX , as a shipping address so I called customer service. The agent said they do not ship gift cards to a XXXX XXXX . I explained that the USPS does n't deliver to my physical address. I also informed the agent that I received Amex gift cards in XXXX, using points from my XXXX Amex card, that were sent to my XXXX XXXX . The agent eventually agreed to ship the gift cards to my physical address via XXXX. I received an order confirmation via email ( attached ). On XXXX/XXXX/XXXX I received an email ( attached ) confirming shipment of the gift cards - but the tracking code link to the USPS did not work. I contacted Customer Service and began an endless process of being transferred from one department to another over a period of 3 weeks. I was informed that I must wait 7 - 10 business days for delivery. After waiting 10 business days I was informed that the cards actually shipped on XXXX/XXXX/XXXX so I needed to give them a few more days. Then I was asked to allow more time for delivery and if the cards did not arrive Amex would expedite replacement cards via XXXX. On XXXX/XXXX/XXXX I was informed that the cards never shipped and to allow 3 - 5 business days for an investigation ... I 've been an American Express member since XXXX and never had such a bad experience with customer service. Every call required starting over and many of the agents did n't listen to the details and did n't seem to care. A few of the Amex customer service agents I spoke with were very rude. I have consulted an attorney but have not retained his services yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/28/2017 about Credit card or prepaid card (Gift card) with PAYPAL HOLDINGS INC. (AL).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: I purchased an automobile through XXXX XXXX buyer protection plan, in which I was instructed. to purchase gift cards to cover the cost of the car plus insurance and Oklahoma border fees to ship the car from California. All of this totaled {$3500.00}. The car never arrived so I attempted to get my money back from XXXX and PayPal, because PayPal are the managers of funds. I contacted XXXX XXXX  customer. Service and found that the funds had been spent all except about {$230.00}. Since I did n't spend it and I did n't receive the item that I purchased I am due a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX I mailed in my police affidavit and FTC complaint to Equifax to remove fraudulent information on credit report. Instead of removing information they 've opened an investigation into said items and refused to block fraudulent information from reporting under the FCRA. I 've followed the protocols set fourth by the FCRA and EQUIFAX and they 're refusing to remove those items.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (CA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: On XX/X/17, I noticed that my PayPal account had an access limitation. I could not Withdraw money from PayPal, Send money or payments, andPay using PayPal. I could however Receive money or payments and Refund money to customers. I am a freelance consultant and I had received a payment for about $ 14k for my work. I have also sent payments of $ XXXX to vendors through this account before. It took me over 40mins wait on the phone for someone to help me. I uploaded documents they asked for and they emailed me requesting more information instructing me to go to their website to upload more documents and there 's no option to do that on the website. I had to call in again, waiting another 45mins plus. They finally sent me to the appropriate site to upload these documents. I am a freelance business consultant. I 've had my PayPal account for a while and have only recently started using it because it 's become more popular for clients to pay me remotely. My client paid approximately {$400.00} for this transaction that is in question. They block my account, withheld funds for review but does not answer the phone and take measures to resolve in timely manner. In the meantime, I do n't have access to my funds, they continue to collect revenue coming in and withholding it without paying me interest. Is this legal to withhold a customer 's money during resolution without paying interest for that money. If that is the case, 3rd party payment services like this can make a profitable business out of this activity all day, causing " reviews '' to hold customer 's large deposits without paying interest. I request an investigation on PayPal 's activities with these account holds. What happens to the interest they collect on the funds that belong to customers whose account they have blocked for " review ''?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Using a debit or ATM card

Complaint: My husband noticed XXXX dollars was withdrawn from my checking account through my debit card but my ATM card was not stolen. I had it on my person, but I never made these withdrawals. It was XXXX increments of {$600.00} for a total of XXXX. It was XXXX different locations of ATM machines in our same town of XXXX, TX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I rent a house for XXXX in a bad condition on XX/XX/XXXX, the owner told me that he was going to fix the house, but he never did. I called the board of health, and they inspected the house, On XX/XX/XXXX, the house was uninhabitable. He had to fix the house but instead he took me to court, because he didnt do anything about it I stopped paying him the rent. It was my right to not pay the rent and not get evicted.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (RI).
Issue: Problems caused by my funds being low

Complaint: Citizens bank allowed my bank account to continuously overdraft for weeks adding up to {$1000.00} in overdraft fees and return payments. When I spoke to a supervisor, He said the best he could do was refund me XXXX @ {$35.00} fee. When I asked for corporate numbers, he refused. I have had this account for 15 years and now Its overdrawn {$800.00} due to their {$1000.00} in fees. I will be seeking legal council but I hope someone will reach out and address this issue before having to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/16/2015 about Debt collection (I do not know) with Mark A. Kirkorsky, PC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: The debt was charged off as a profit and loss cross collateralizion of home equity line of credit and a credit card in 2008. XXXX XXXX XXXX XXXX hired the firm of Mark Kirosky to file a judgment. The debt originated when I lived in XXXX. I was sued after I moved to XXXX. I have been a XXXX residents for 7 years and the law office of Mark Kirosky continues to send writ of garnishments to all of my employers. Every employer has interpretated the withholding in XXXX differently based on whether or not they have offices in XXXX. Even though I live and work in XXXX. XXXX XXXX allowed my wages to be garnished. However XXXX XXXX XXXX has not. My company got bought out by XXXX XXXX XXXX based out of XXXX. However I still work and live in XXXX. I spoke to my new HR admin about my situation and she is researching on whether my wages can be garnished or not. However XXXX law prohibits this practice. But my employer may not want to be involved in this matter and take the path of least resistance and allow the garnishment. 
Also Mark Kirkorsky office pulls my credit every 60 days. They continue to re-age my debt even though I have made no contact or any payments. They have been unscrupulous and send legal documents monthly. They do not have the right to garnish my wages in XXXX for an unsecured consumer debt. They can not falsely report payments and delinquent payments to re-age my debt with credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On XXXX/XXXX/2015, I submitted a dispute online with Transunion credit reporting agency. I stated that on XXXX/XXXX/2015, I paid an original creditor, XXXX, in full on an account listed under a collection agency, XXXX XXXX. I gave the confirmation number for XXXX, XXXX and the full amount paid off, XXXX. Transunion 's 'resolution ' is still showing the collection listing as " XXXX XXXX. '' I did NOT pay the collection agency, XXXX XXXX. I paid directly to the original creditor, XXXX. I also submitted a written dispute dated XXXX/XXXX/2015, with all the information and a copy of my California identification card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Mortgage (Home equity loan or line of credit) with U.S. BANCORP (UT).
Issue: Loan servicing, payments, escrow account

Complaint: After our bankruptcy was discharged money that was in a suspense account through US Bank was applied directly to principal instead of being applied to principal and interest. This has caused me to be 3 months behind on my mortgage per there accounting. We have contacted them on several occasions to no avail. We are receiving threatening collection calls and we can not seem to get a supervisor or manager on the phone. We have spent more than XXXX hours in a Branch Managers office with him recognizing there is an error and trying to assist us via phone to again no avail. They say they will look into it but no one seems to know what is going on and we continue to receive collection calls. We make a payment early on the XXXX of the month before it is due and XXXX on the due date. US Bank is now telling us that our loan is not a mortgage loan but a simple interest loan and they are incurring additional interest on the loan. The loan document say it is a mortgage loan and no one with US Bank can instruct us where in our loan documents that they can change it from a mortgage loan to a simple interest loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/26/2017 about Mortgage (VA mortgage) with LoanCare, LLC (CO).
Issue: Struggling to pay mortgage

Complaint: There are two problems concerning  Loan Care LLC .   First When I applied for this mortgage I was never asked if I had a job. At that time I did not have a job I was on unemployment. My thought was if they would give me a loan I would some time to find a new job and continue my payments. I did not find a job. The whole process was really a strange experience. The lady that came to do the mortgage came at  XXXX  at night, and did not get done until around midnite. Plus she did not seem to know what she was doing. Since it so late she could not call her office to ask questions.   Secondly, I have been trying to g et Loan Care to  clear my credit report from the reporting agencies since  XXXX  of   XXXX  , and I just get a runaround. They admit that it is past the time to take it off the credit bureaus. I think  Loan Care may h ave done things during my application process that were not to the rules.

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 04-12-2017 about Debt collection (Payday loan) with D. SCOTT CARRUTHERS (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: My husband and I get calls from D. Scott Carruthers office. They called my husbands employment ( he teaches at a public school ) and when he said to stop calling him, they still called the school district office. We have asked repeatedly for documentation of the loan and amount we supposedly owe. They do n't. They have now filed a civil lawsuit against my husband. When my husband called his office for more info, the staffer said we owed  XXXX  and we needed to settle for  XXXX . We are in the process of getting legal representation to fight back.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received letters and phone calls from this debt collector demanding that I pay a fraudulent XXXX debt. The debt is not mine and I have no knowledge of where it came from or how it became associated with my name. The phone calls from the company are harassing in nature, accusing me of lying and deceiving them when I refuse to turn over my personal contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (Other debt) with Allied Account Services, Inc. (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I recently sold my house, after which I owed my utility {$1100.00}. After my move  on  XX/XX/XXXX , I notice d a letter fro m Allied Acco unt Services at  XXXX   XXXX   XXXX ,  XXXX  NY. I called  on  XX/XX/XXXX  and  paid {$500.00} with the understanding of paying the balance  in 2 week s. During this time, my wife and I are looking for our new home for our children. I 'm in the beginning process for a new mortgage when I 'm told m y credit score  dropped over  XXXX  points due t o Allied rep orting me as delinquent for {$620.00}, after making an initial {$500.00} payment. This now causes a large increase in my financing rate as well as which type of mortgage I qualify for. I called them and they offered no assistance other than stating they follow fair credit policies. This is not fair and not necessary and I 'll be paying for this for years!

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I wish to make a formal complaint about an inquiry on my Credit File. The issue is that I applied for a Credit Card at XXXX Bank in XX/XX/XXXX in hopes to improve my credit rating and was approved but never received the card. I assumed there was a long processing time to obtain this card, but when I researched this issue at a later time I found out that they did send me a card but the address never included my apartment number so the card got lost in the mail. They then informed me that due to the delay in activating this lost card they closed the account. 
The Bank then informed me that I would have to start this process over again to obtain another card. I decided not to do this, but I have this inquiry on my credit file which gives the appearance that I have applied for credit but been denied. I wish to remove this item from my credit file to avoid any confusion from potential creditors. 
This inquiry will not be removed until XX/XX/XXXX. 
I sent a letter to Experian explaining this issue but have not receive any correspondence in resolving this issue. 
Latest Experian Report Number : XXXX : XX/XX/XXXXXXXXXXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX # XXXX

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