milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-05-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have received my credit report from XXXX, XXXX, and Experian. I have contacted XXXX XXXX and XXXX XXXX numerous times and even disputed it with the Credit Bureaus. I am requesting A goodwill adjustment to remove the late payments in order to finance a home. I know this request is unusual, it is ruining my good credit standing. I have had a mishap, and realize things happen. If you look at my records, I was always on time and this was years ago. The late payment is reported to XXXX and Experian bureau and I am requesting removal of these XXXX late payments below. 

Company Name Account # Date Account was Opened Late Pmt. Dates 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
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 has sent an email to on XXXX XXXX, XXXX, stating that the current dispute # XXXX investigation initiated on XXXX XXXX, XXXX is complete ; but apparently, the information has not been changed. The only way I am able to confirm what is currently reflected on my report is by reviewing the information on XXXX XXXX. The Equifax online investigation results site crashes whenever I attempt to log into it. Equifax customer service line is constantly busy or it answers and hangs up. Furthermore, Equifax has caused further harm to my credit score by recently reporting this loan as closed as of XXXX. This has caused other credit agencies to update my report showing the loan as recently closed, based on Equifax 's recent incorrect report. This has forced me to now open disputes with XXXX XXXX and XXXX. The XXXX information was reported correctly on XXXX XXXX and XXXX until the Equifax recent entry on my report that the loan is closed. Equifaxs failure to properly update my credit as a current loan with payment history for XXXX is causing me undue hardship and harm. I have been unable to refinance my mortgage due to this inaccuracy. 
I have previously requested that Equifax correct my credit file for this loan on the following dates and disputes filed : XXXX/XXXX/XXXX dispute # XXXX. Equifax reported the dispute as resolved on XXXX/XXXX/XXXX without correcting the information. Another dispute on this same matter was filed on XXXX/XXXX/XXXX. # XXXX. Equifax reported the dispute as resolved on XXXX/XXXX/XXXX without correcting the information. Another dispute on this same matter was filed on XXXX/XXXX/XXXX. # XXXX. Equifax reported the dispute as resolved over and over without correcting the information. I have filed at least three subsequent disputes with Equifax on this matter during the months of XXXX XXXX, XXXX XXXX, and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I am a Bank of America ( bank ) customer. I received an offer of a credit card which stated that my application for this credit card will be without any impact to the credit score. However, a hard inquiry was made against my credit file maintained by the credit reporting agencies. This hard inquiry diminished my credit score by few points. I asked the bank to remove this inquiry and they refused. I have attached a copy of their offer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Mortgage (Conventional home mortgage) with NORTHSTAR FUNDING INC ().
Issue: Closing on a mortgage

Complaint: 1. XXXX XXXX XXXX ( a title company ) did not pay off the existing loan by wire transfer as required by the existing lender 's attorney who supplied wiring instructions to NorthStar Funding Inc ( the Mortgage Loan Originating company ). Instead, and for unknown reason, XXXX XXXX sent the payoff funds by check. The result of the delay in payment was that the clients, XXXX XXXX and XXXX XXXX, were forced to pay an additional {$1300.00} in payoff funds to the lender because of changes in exchange rates and approximately {$1600.00} in fees to their attorney for attempting to obtain a refund from XXXX XXXX and NorthStar Funding. 
2. The lender 's attorney states that he received a scan of what appeared to be a copy of a payoff statement that was " grafted '' onto a page containing his letterhead and signature. One of NorthStar Funding or XXXX XXXX is the author of this " grafted '' statement. Such breach of trust is serious and the clients demand an explanation. 
3. The clients requested the name of the companies ' malpractice ( errors and omissions ) insurer. The comanies refuse to provide such. 
4. Although 4 months have passed since they collected their fees in this transaction, XXXX XXXX XXXX and NorthStar Funding have yet to provide their clients with documentation showing that the previous mortgage has been discharged and is satisfied of record.

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 12-02-2015 about Bank account or service (Checking account) with PNC Bank N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: PNC Bank closed out my checking account containing over {$70000.00} with no reason and no prior notification ( they said they reserve the right to conduct periodic reviews of customers accounts and close their accounts when they feel the banking relationship should end ). I need my money to pay bills and they have not given me my money. They are jerking me around. I spoke with a regional manager yesterday and he said they could not issue me a check at the bank and I would have to wait for it to be mailed. In the meantime, I have no money. Checks that I have written will surely bounce, automatic bill payments will not be made, and I have no cash for my daily life. Please help me. My family is dependent on my finances, which PNC irresponsibly cut me out of.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2018 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: OnXX/XX/XXXX, I logged into my WELLS FARGO Online portal to utalize the XXXX money transfer feature. I was trying to send {$580.00} from my WF savings account to myself via my telephone number as the recipient. This was the first time I had tried using this option to send money to myself. After completing the transfer I realized there was an issue because I did not receipt an alert on my phone number indicating that I have money received. I called WF immedietly to figure out what was going on. The money had left my instantly yet it had not come to my phone as an alert. I panicked as WF told me theyd have to open a case claim that could take 10 days. I kept calling them every few days and I was concerned and unsatidfied by their response. They claimed that the funds went to someone that had my phone number formerly registered to them yet the name on the transfer did not match. Then WF told me that Im basically XXXX  and that theres no way to retract the funds back and that Im left without any resolution of getting my money back. Im very irate at Wells Fargo and at their lack of due dilligence in trying to protect their customers funds. There should have been a third step in verifying the transfer. The manager whom I spoke to told me that this happens all the time with customers. That is extremely alarming and concerning given that telephone numbers are recycled all the time. I have had my number for approx. 5 years so I am completely still confused as to how this happened and the fact that I have been without this money for over a month now.

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 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: While inquiring about trading in my vehicle to purchase a new/used vehicle, I went to several car dealerships ( ex. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) and each dealership that I went to I explained to the sales person as well as to the finance manager that I did not want my credit ran multiple times nor to multiple banks as this would lower as well as have a bad impact on my credit score. I also explained to them how reluctant I was with signing the application because of those reasons as well and ever time they stated " oh the banks will notice that you are car shopping and if there are applications to the same bank they will only count as one if it 's within a 30 day period '' I am just now finding out that they all have provided me with inaccurate information and that if it 's more than 1 of the same inquiry to the same bank or company within 30-45 days only 1 inquiry should be showing up not 1 for every inquiry. I have notified the dealerships and the banks asking them to remove these inquiries from my credit report, however they continue to pass the buck. The credit bureaus ( XXXX and XXXX ) says they ca n't remove inquiries and to call the dealerships and dealerships say  they ca n't remove inquiries and to call the banks, the banks says they are n't the one 's who requested the inquiries call the dealerships. XXXX stated that they ca n't see that far back to pull the application from XX/XX/XXXX. XXXX ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), Capital One ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), XXXX also known as XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ). I was just recently informed that XXXX XXXX ran my credit to XXXX banks which is unacceptable when I specifically asked them not to. As a individual that work hard for their money and try to have things where its feesable for my pockets, I get very upset and find it disturbing that car dealerships will lie to customers in order to benefit and get over just to make a sale. As a customer these are people that we put trust into and they have let us down. It is extremly difficult to get a new vehicle, buy a house etc. with all of those inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit reporting () with EQUIFAX, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have an account with XXXX XXXX on both my Equifax and XXXX credit report that is delinquent and closed ( written off ) that is not mine. I 've tried disputing, but it 's hard to prove something is n't yours. I 've tried calling the company the account is with, but am unable to even access the account because I do n't have the account number ( BECAUSE THE ACCOUNT IS N'T MINE ). I 've also NEVER received a bill for this account. I just found it when looking at my credit report one day.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I am in the process of trying to get my credit report pulled by my mortgage company in order to start the process of buying a home and have already had issues with my bank getting my credit information and scores from Equifax and was told by the bank there must be a freeze on the information. I contacted Equifax several months back around XXXX to find out what the issue was with my bank unable to pull my information and originally was told there was not a freeze on the account but that my old address was still reporting and that was causing the issue. We attempted to have the mortgage company pull the report again using my address from 3 years ago but they still could not obtain the information. Customer Service with Equifax told me to fax my information to their Dispute Dept which I did but received a letter less than a week later stating my information was not readable and to mail a copy of my DL, SS, Rental Agreement and any other supporting documents to their XXXX address. I mailed all this plus a copy of my most current Credit Card statement in color copies to their dispute department via USPS non-certified in order to try to speed up the process and get my current address updated. I just received another letter back from them stating my information does not match their records and again to send all this information to them. I do n't know what other information I can provide as I have provided them with everything that they require plus some to verify my identity and this is now costing me even more time and money to fix their lack of properly updating my information.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have an unverified account from CREDIT MANAGEMENT. I had previously disputed this account. I have never done business with CREDIT MANAGEMENT. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CREDIT MANAGEMENT Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT MANAGEMENT Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Refused to cease and desist from incorrectly reporting on my credit bureau report. 

Stellar Recovery Collection Agency of XXXX XXXX XXXX # XXXX, XXXX, MT XXXX is incorrectly reporting a XXXX XXXX XXXX ( XXXX ) account on my credit bureau reports. XXXX provided cable services to my home. During their repair process XXXX XXXX ( and sub contractor ) did over {$1200.00} damage to my home. I promptly brought this to the attention of XXXX and they refused to take responsibility so I cancelled my service with them and did not pay them any more money leaving a final bill of about {$570.00} which I refulsed to bay because of my damage claim offset. 
On XXXX XXXX, 2015 I got a written acknowledgement of the damage and an offer to settle accompanied by a release form. The offer included waiving the balance and a payment from XXXX of {$910.00}. 

Despite having provided copies of these documents and several conversations with the collection agency the company still reports this as " Customer Disputes '' to the credit bureaus. This reporting does not factually, or correctly, describe the circumstances. XXXX owed me money during the period in question and gave me a credit for it. The current reporting negatively impacts my credit bureau scoring and does not accurately reflect that this money was credited to me as a result of negligence on the part of the creditor XXXX. 

I have asked the collection agency to cease and decist from this erronious derogatory reporting and they refuse. I want this completely removed from the bureau reporting as at the creditor actually owed me money while they were reporting me as delinquent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Delinquent account

Complaint: Last XXXX I opened my XXXX account with XXXX, I was told that if I opened up a store card ( credit card ) through synchrony bank that I would get a discount. So I got my discount on my XXXX purchase and my only purchase on the store card. Well the lawn mower tires that I bought were not the right size so I sent them back to XXXX and got a 100 % refund which I have been told by XXXX at least XXXX times which was supposed to take the balance off the card. I have made no other purchases with the XXXX store card which I have confirmed by XXXX but yet in XXXX Synchrony bank said I had a balance of {$3.00}, I did not get a billing statement for {$3.00}. I did get a bill in XX/XX/XXXX for a bill around XXXX dollars which confused my wife who called XXXX shortly thereafter. XXXX told my wife to disregard the bill because there was n't any balance on he account and no purchases have been made. On XXXX XXXX me and my wife entered a XXXX XXXX dealership eager to buy the motorcycle that we have been wanting to get for more than 4 years only to find out that my credit was shot due to unknown reasons. We came home that night and I pulled my credit report and it showed that XXXX has been showing my account late since last XXXX. When I called them on XXXX XXXX XXXX told me that they I have no idea what the charge is on the account because all money was refunded back to the credit card and no other purchases were made. They then transferred me to synchrony bank collections who told me that I had to write a dispute letter because my account balance in XX/XX/XXXX was {$3.00} and has been delinquent ever since I asked them what purchase was made and they said they could not tell me and did not know. That is when I decided to contact you through this letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/27/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Incorrect information on your report

Complaint: This complaint is about Bank of America. They have not been reporting to the credit bureau 's on our mortgage. We were looking at my husbands credit score on XXXX XXXX and saw that our account with Bank of America has been closed since XX/XX/XXXX, however we have been paying them up until XX/XX/XXXX when they transferred our account to XXXX XXXX XXXX and we started making payments to them in XX/XX/XXXX and are currently making payments to them. They are a debt collector and we are in a modification with Bank of America. We tried to refinance but Bank of America is reporting us 30 days late for the last year. If you could do a complete review of my mortgage we would appreciate your 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 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I Recicved a credit alert From all three major credit bureaus last week on the XX/XX/XXXX about XXXX dollar loan was open in my name and I lost 15 points off my credit score and I contacted all the 3 credit bureaus and told them I did n't open this account and my wallet was stolen few months ago and I would like this credit loan removed off my credit report and they have n't done nothing and never heard back from them and I do n't do business with this bank nor I used this debit card or the loan and I was living T ANOTHER ADDRESS AT THE TIME THIS LOAN WAS OPEN BACK IN XX/XX/XXXX AND I HAVE NO IDEA WHO IS DOING THIS AND I MADE A POLICE REPORT ON THIS AND IM UPSET RIGHT NOW

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 09/24/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I XXXX XXXX states a complaint to the Consumer Financial Protection Bureau on a very poor reinvestigation by one of the largest credit reporting agencies. Even though I showed proof that my education loans were always in deferment and that the balances were eventually taken over by another service agency, I have never made one payment ever to the US Department of Education or Federal Loan Servicing Credit. This national agency was only operating as a credit reporting process after the initial procurement of the student loans. The loans were financed privately. Eventually the debt was transferred to another third party. This negative reporting is causing me severe financial hardship. The same credit rating states PAYS AS AGREED, while showing an immediately 90-day late payment status while the debt obligations were deferred from payments. This is highly discriminatory. I am a professional XXXX woman and I find this type of credit reporting to be racially biased and I have zero chance of ever refinancing with this abusive rating process. All credit reporting agencies have a responsibility to maintain the strict standards of not only the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act, the Fair Debt Collection Practices Act, in addition to the high standards of equal rights protections such as the Equal Credit Opportunity Act. I believe that the Federal Trade Commission should have a full investigation on racial inequality when it comes to credit reporting processes and that all credit bureaus should maintain the sensitivity that is essential for fairness pertaining to matters of race. My previous complaint brought no action, even though the negative payment history must be deleted permanently. If I do not receive the proper reinvestigation by the credit bureau against the US Department of Education. I will proceed a complaint with the attorney general of my state residency. This improper reporting process is causing me hard financial hardship that can only be understood by minorities such as myself trying to better their lives through education, and working several full time jobs and raise a family at the same time. My credit report needs to have the negative payment history purged permanently.

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