milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/22/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On or around XX/XX/2015 I called to make a payment on my account at that time the representative from synchrony bank told me that I just needed to pay a XXXX dollar payment to bring my account balance current. I made a XXXX dollar payment, long and behold my account was still delinquent and then turn over to collections for charger off! I believe there was a communication/language barrier and this has been inaccurately reported! Had I known and been informed otherwise, I wouldve made a payment accordingly to keep my account current and not let it get delinquent. Now this is being reported as derogatory on 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 08-12-2016 about Debt collection (I do not know) with EOS Holdings, Inc. (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I have collections on my credit report that are not valid. These are account that have been charged off. The accounts are 4, 5, 6 years old. This counts as XXXX derogatory marks on my credit report. I want them removed. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 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: Personal information incorrect

Complaint: My Last name is XXXX. TransUnion is refusing to update my last name from XXXX even though I have called numerous times and have provided all documentation they requested and last I spoke with TransUnion they said they could not update it. This is frustrating that I can update my own information to be correct

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Problem with fraud alerts or security freezes

Complaint: HELLO THANK YOU MY PROBLEM IS FOR THE PAST 4 MONTHS IM NOT EXAGGERATING EVERY SINGLE WEEK I HAVE TO SPEND TIME ON THE PHONE CALLING ALL THE CREDIT REPORTING AGENCY BECAUSE A FRAUD ALERT GETS DDED ON MY REPORT YES NOT DELETED BUT ADDED IT IS HINDERING ME FROM APPLYING FOR CREDIT I HAVE CONTACTED ALL 3 AGENCIES AT THE SAME TIME AS IM AWARE THAT ONE COMPANY IDENTIFIES AND COMMUNICATE WITH EACH OTHER RE FRAUD ALERT HOWEVER IN THIS CASE THEY ARE PLAYING THE BLAME GAME TRANSUNION BLAMES XXXX XXXX BLAMES XXXX AND XXXX BLAMES TRANSUNION ITS NEVER ENDING IT GETS REMOVED FOR LIKE 4 DAYS ONLY TO BE PLACED BACK ON THE REPORT AGAIN SO WHAT HAPPENS IS IF I TRY TO APPLY SOMEWHERE THEY AUTOMATICALLY DENY MY BECAUSE THERE IS A FRAUD ALERT ON MY REPORT I KNOW ITS MY RIGHT TO HAVE AN E=ALERT PLACED ON MY FILE HOWEVER THERE IS AN APARTMENT BUILDING THAT THERE POLICY IS NOT TO ACCEPT ANY ONE THAT HAS A NY KIND OF ALERT ON THERE FILE THEY JUST DO N'T WANT TO GO THRU THE PROCESS OF THAT SO THERE FOR I WANT FRAUD ALERT PERMANENTLY REMOVED AND THE ONLY WAY OR REASON THEY SHOULD PUT IT ON IS IF IT IS PLACED ON THERE FROM ME ONCE THEY HAVE IDENTIFIED ME AND NO ONE ELSE

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 04-08-2017 about Mortgage (Other mortgage) with Envoy Mortgage Ltd. (CA).
Issue: Application, originator, mortgage broker

Complaint: We went in to discuss the loan process. They ran our credit to tell us what we need to fix first. That was in XX/XX/2016. Now were being notified that we were denied a loan we never applied for.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 EQUIFAX, INC. (NJ).
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: Equifax continues to report inaccurate information on my account -items have been disputed, however, they continue to report and are causing me problems

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The loans are in not accurate They are also not reporting the correct amounts They are also duplicate loans on my credit report doubling the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Consumer Loan (Installment loan) with Bliksum, LLC (CA).
Issue: Managing the loan or lease

Complaint: The super high percentage rate was not revealed until the end of the application process. The LoanMe Inc. is charging an interest rate of 135.00 % and an APR of 138.07 % with a term of 47 months. I really needed the money because I had XXXX. I 'm retired military and XXXX veteran and had no avenue to XXXX Insurance. I applied to several Finance companies but was rejected due to a less than perfect credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I asked for a credit freeze with Experian. However, anyone can recover my PIN : https : 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 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The purpose of this letter is to request an investigation of the inaccurate information reported by XXXX XXXX  XXXX XXXX to Credit Reporting Bureaus XXXX , XXXX , and Experian. After over 25 telephone calls to the creditor since XXXX XXXX, the creditor has still failed to correct the issue and only continue to ask for more time to investigate the matter. The creditor is reporting a 30 Day Late Payment dated XXXX XXXX XXXX for credit card ending in XXXX. This account was Not Acquired until XXXX XXXX. The credit card account is showing listed with the credit bureaus as Account Number XXXX. The information the creditor is reporting is inaccurate. As for supporting documents, I requested ALL Monthly Statements associated with credit card ending in -XXXX / Account Number XXXX. The creditor provided ALL the monthly statements associated to the account. Documents provided for XXXX XXXX to XXXX XXXX. Please see attached documents. In addition, I originally requested all statements and accounts associated with my credit file since XXXX. Via telephone call, I was advised I was not allowed to receive any statements or account information prior to XXXX XXXX which is not associated with credit card /account number ending in -XXXX/ Account Number XXXX. Attached find supporting documents : XXXX Credit Report File/ Confirmation Number : XXXX Dated : XXXX/XXXX/XXXX Page # : 8 XXXX Credit Report File/ Confirmation Number : XXXX Dated : XXXX/XXXX/XXXX Page # : 57 Monthly Statements from Creditor Dated : XXXX XXXX to 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
Consumer complaint received 07-12-2016 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: All the issues on my credit report have been taken care of and they still show on my report. I have no outstanding debts or judgements! They still show on my report and also show that I am applying for credit which I am not. I have closing statements and escrow that can send for evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Re : Unauthorized Credit Inquiry To whom it may concern : The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. 

Company Name & Inquiry date 1. XXXX XXXX date N/A 2. XXXX date N/A 3. XXXX XXXX date N/A Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. 

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 explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: To whom it may concern : I mailed a certified letter about unauthorized multiple inquiries on XX/XX/XXXX to dispute information, regarding over 45 hard inquiries for Equifax 25 for XXXX and 20 for XXXX that was placed on my credit reports. They received the letter on XX/XX/XXXX. They completed the request XX/XX/XXXX. The request I submitted was over 45 ( Equifax ), 25 ( XXXX ), and 20 ( XXXX ) hard inquiries that were not factual and I received the same response, that inquires are factual and can not be disputed. But according to the FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information  can be disputed and MUST be investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The fact that I received a response in 7 days after they received my letter, one can assume that there was no investigation. A fraud alert was place on my credit file, I then called Equifax to see why the dispute was not investigated, they told that they dont investigate inquires, I said but I have a Fraud alert on my file, they told me that even if I am a victim of identity theft that they still can not remove inquires. I have not contact XXXX or XXXX  fearing I will get the same response. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries being removed that does not belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Capital one card Wife had the card We got divorced She did not pay on time XX/XX/XXXX and XX/XX/XXXX Account # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BROKER SOLUTIONS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX is falsely reporting an alleged 30-day mortgage late payment on a joint mortgage I have with a family member. 
I contacted them through my Loan Advisor to get them to delete the false late but they responded saying no. 
Because, since that alleged late payment ( XX/XX/XXXX ) they since transferred the Servicing to XXXX XXXX XXXX ( XX/XX/XXXX ) I can not access the actual pay history in XXXX XXXX 's portal or any other way. 
I provided XXXX XXXXXXXX XXXXXXXX XXXX Statements from my family member which clearly show EVERY SINGLE PAYMENT XX/XX/XXXX-through XX/XX/XXXX paid within 30 days of the due date. They are not acknowledging the fact. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off my HELOC a/c with Bank of America on XXXX XXXX. Escrow paid in excess & now Bank owes me a Refund of {$450.00} ( XXXX XXXX & XXXX XXXX dollars ). As per pay off statement Principale & Intrest was paid upto the date & I had no Escrow a/c so there was no tax Liabilities on bank ... ... A request was made on XXXX XXXX to expediate the Refund but till today i, e, XXXX/XXXX/16 no check has been received. A follow up phone calls were made & they keep telling me it is under process & they can refund money upto within 30 Days. 
My question is when customer has everything clean on a/c why they have to keep customer money for 30 days? Is it legal to do that? Also if customer 's payment is late by a day the Bank charge a heavy late payment charges, then on what ground they can hold the customer 's money when whole process is computerised. By adopting this practice these Big Financial Institutions are using millions of dollars of customeers for free. What can be done about it. & where to complain about it, this is not fair to the public. Plz. kindley response Thanks ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-05-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: last month XXXX collection trades appeared in my credit file that were deleted over a year ago because they were unable to verify the debt was actually mine. I went into the dispute section of equifax website last month to dispute these trades named XXXX and when I submitted my dispute it was if I never submitted it at all because my credit file still had the dispute botton instead of the normal this trade is under investigation you should have your results soon which tell me they are not willing to dispute these trades even tho they deleted them last year. These collections should not be there at all in my opinion. They were deleted because they either did not respond in time or just could not verify their investigation from the original creditor. What is the point of having a XXXX day time limit if they let these companies just do as they please anyway and the consumer has no say in this matter at all. There was no notice saying these trades were being reinstated or nothing. I want these items removed permanently and equifax should at least be warned of this and to not to do this again to another consumer. We have the right to challenge anything that is on our credit report that appears to be inaccurate and they are not allowing us to do that. they claim to investigate it but im sorry it takes more then just one day to complete an investigation

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing a complaint since Transunion has ignored me several times in providing verification documentation that their company has on file for the accounts I disputed. It has been well over 30 day and since they can not verify, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-02-2017 about Debt collection (Medical) with Jvs group (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XX/XX/2016 I sent a letter form to JVS Group requesting information about a debt that was on my credit accounts. I requested information regarding the alleged charges, who authorized them to collect, amount allegedly owed by me. I did not receive the requested information to this date of writing. However I did receive a very rude and obnoxious letter from them telling me not to contact them again and they sent out the verified information, which is incorrect. I have not received the information that I requested from them. I will attach the letter I received from this company along with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Debt collection (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I took out a XXXX loan and made XXXX payments on it before I ran into financial difficulties. Checksmart has repeatedly called me at work even after being advised that I can not take calls at work. During most recent call on XXXX/XXXX/16 the caller even indicated that he knew I was at work and could n't talk so he " would n't take up too much of my time. '' Additionally, they call me at least four times just about every day and often call back to back with little more than 30 seconds between calls. I have more than XXXX messages just from the last 30 days on saved on my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: 29 days ago ( XX/XX/XXXX ) I sent XXXX EUR via SEPA transfer to Coinbase however these funds are still not in my Coinbase account. In previous experience it has taken 1 to 2 days to arrive. I have provided the evidence of this transfer to Coinbase but no response from anyone at Coinbase since XX/XX/XXXX ( 24 days ago ).

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I am in a five year XXXX at XXXX.I am XXXX through my thesis year. Recently, I am being harassed by my student loan provider ( Navient AKA XXXX XXXX ) to make payments IMMEDIATEY regarding XXXX of my student loans. The amount their asking is XXXX of my monthly income ( before taxes. ) They refuse to adjust the payments, saying that the payments are already " so low. '' I have requested that they apply in-school forbearance and they responded that I should have read the fine print, which says that " in-school is only 48 months. '' Dude, I was n't even legally an adult when I signed those papers. I got no warning over the summer that my payments would due soon, which is the time when I could have saved for or attempted to pick up a second job. I only get calls when they want money. They call every day, even though I am not even thirty days past due. I am actively paying tuition so that I can even graduate in the spring, and paying XXXX XXXX {$100.00} a month. I ca n't do anymore than I am already doing and still expect to get any value out of all this education. The only option that they gave me was to pay a {$100.00} fee to get a one month forbearance. 

I 'm so stuck and frustrated and they wo n't even treat me as a person. It 's like talking to a robot who only sees you as a bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Closing/Cancelling account

Complaint: On XXXX XXXX, 2015, I received a letter from Chase Bank indicating that they were closing my line of credit because they no longer offer the product. They indicated that there was no cost to me and that I could pursue other credit products that the bank offered. 

I have had the line of credit with Chase for about 10 years. I was never late and was in full compliance under the loan agreement. Chase indicates that there is no cost to me ; however, that is an incorrect statement. There are actually at least ( 2 ) costs to me : ( 1 ) closing the account could negatively impact my XXXX score since a portion of the XXXX scoring is based on age of accounts, credit utilization percentage, and etc. - this could result in " higher '' borrowing costs. ( 2 ) there is the cost of my time in reseaching other credit products with other banks. 

As a Treasury/Banking Professional for a Government Agency, I am very familiar with Chase and the products they offer. There was no need to close this account and the reasoning provided by Chase was prima facie - false, misleading, and damaging. 

My expectations are that Chase immediately reinstate the line of credit or roll the credit availibilty into another account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Student loan (Federal student loan servicing) with TRANSWORLD SYSTEMS INC (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I 've had several issues with my federal student loan managed by UAS XXXX. My account is currently set up for auto pay and it is scheduled to be withdrawn on the due date. They have changed the amount due on me twice after my auto pay was scheduled without updating my auto pay amount or notifying me of the change, and reflected both events as a late payment on my credit report. I spoke with them by phone on both occasions, and they could not tell me why it happened. 
I 've also contacted them in excess of XXXX times in the past year, both by phone and email to update my mailing address on file since I moved. They 've reassured me multiple times that they 've fixed the issue, and two days later my account is reflecting my old address. They 've sent tax and billing documents to my old mailing address because of this, which is extremely upsetting because of the information contained inside these documents.

Company response to consumer: Closed with explanation