milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have been purchasing Experian Credit Check and ID Monitoring through XXXX since XX/XX/XXXX. 

My last credit event was in XX/XX/XXXX. My Credit score changed on XX/XX/XXXX with Experian to XXXX. With no increases or purchases ( and payments made timely ), my score changed on XX/XX/XXXX to XXXX. I was waiting for an increase of score because ( 1 ) I have paid timely over six months, ( 2 ) the holidays were over with no new purchases ( except XXXX which is in it 's XX/XX/XXXX cycle ), and ( 3 ) I am paying off a credit on XX/XX/XXXX, which has a balance under {$900.00}. 

I have had no new inquiries or bad reporting events since XXXX XXXX when interest pushed me over the limit on a XXXX XXXX account. I discussed it with XXXX XXXX. 

I am currently attempting to relocate to my home state of Texas, and I will need to purchase a house. I am building from having to pay off a co-signed obligation in XX/XX/XXXX. I have watched score go up and down and was able to identify the reason until today with Experian. 

I received notification this morning dated XX/XX/XXXX that my score has been updated. It dropped 30+ points to XXXX with no reason. The last alert was a change of address. The dashboard also advertised to buy a 3 agency report. 

I immediately called Credit Check and ID Monitoring. The representative tried to give the XXXX formula speech. I explained over and over that my score had changed and absorbed issues she was seeing. She giggled about the situation. I told her, I would see what FTC has to say about the situation. 

I pay monthly to monitor my report through this service. I should not be given a requirement to purchase a 3 agency report. 

This action can block my ability to purchase a home with NO rationale or evidence. This means Experian is playing with my life. This should not be a power of a company that can not show ethical and accurate information. 

The representation of this company is untrained and limited in empathy and education of the formula. 

I suspect this is a beginning of XX/XX/XXXX move to increase revenue for the company by making current participants pay extra by changing scores for no reason.

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 01/22/2016 about Mortgage (Other mortgage) with FLAGSTAR BANK, FSB (KS).
Issue: Application, originator, mortgage broker

Complaint: Flagstar bank XXXX continues to show late pay history, i was never on this account and it should be removed from report or updated with no negative pay history

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Someone opened an account without my permission in Illinois. I have never had an XXXX Illinois account. I live in Missouri and have had XXXX MO for over 12 years. This information is only reporting on my Experian report. Its fraudulent and I want it removed from my report. Its now with a collection agency and There is no contract which also does not give them the right to attempt to collect

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 06/14/2016 about Virtual currency (Domestic (US) money transfer) with Coinbase, Inc. (WA).
Issue: Other transaction issues

Complaint: Money was going to be transferred from XXXX to bank account. Said completed but no money found in bank.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: My property was included in a Chapter XXXX bankruptcy in XXXX XXXX and sold to XXXX XXXX XXXX on XXXX/XXXX/XXXX. Shellpoint began 'servicing ' the loan on XXXX XXXX XXXX. They never contacted me to tell me they were now the servicer of the loan nor did they ever send me a bill. They then reported the loan 180 days delinquent to the credit agencies XXXX XXXX. 
After being denied a credit card in XXXX XXXX, I checked my credit report and found 'Shellpoint Mortgage Servicing on it. I contacted them and they said they were not trying to collect on the debt, but that they simply " servicing the loan according to the original agreement '' and were " protecting the creditor 's rights ''. Therefore they would not remove the entry on my credit report. 
My understanding is that a mortgage service company must make a 'good faith effort ' to contact the consume to avoid this type of situation. 
I think the laws regarding companies buying bad debt years after its discharged in a bankruptcy need to be addressed. If it was n't allowed these things would probably not happen in the first place.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have had a Home equity loan from XXXX XXXX since XXXX ( interest only payments until XXXX ). In XXXX it converted to interest and principal payments ( the monthly payment nearly doubled ).
As I was now retired on a fixed income at that time, the new higher payments were a struggle to make. I applied to XXXX for a loan modification. This process was to say the least, agonizingly slow and laborious. However, after many months the modification was approved and my new monthly payment was reduced by half making it very affordable and putting my mind at ease. <P/>But here 's the problem. From XXXX of XXXX to XXXX. of XXXX the payments were getting ahead of me. I started to fall behind while waiting for the modification from XXXX to come through. When I could I would go to the local branch of XXXX and make payments of {$1000.00} dollars. In one of many phone conversations with the modification officer working my case, I mentioned making these payments. He said I did n't have to do that. He stated that any unpaid balance would be assimilated in to the modified loan. So I stopped making those payments. <P/>The modification was approved and I entered the 3 month trial payment period. Having made those trial payments on time, the final new modified loan was approved. And in deed, the previous balance was assimilated in to the new loan and the account show current. <P/>Now, here 's the rub. It seems that during the 3 month XXXX XXXX, XXXX and XXXX of XXXX XXXX trial period those payments did not go directly towards the loan balance. I 'm assuming they went in to some kind of holding account until the trial period was over. And, indeed that is what happened. But meanwhile the bank reported that not only were there late payments from XXXX XXXX to XXXX XXXX but they also reported as late, the trial period payments XXXX XXXX, XXXX and XXXX XXXX XXXX even though they were made on time. <P/>My credit rating has since gone downhill now. I have written to XXXX and even contacted the local XXXX branch manger to try and correct this problem. According to the Credit bureaus I 've contacted, this type of dispute has to be corrected by the bank. The bank has replied basically saying " Tough luck '' I 'm a XXXX year old retired Veteran. I may not have 7 years to wait for the credit report to " self '' clean the information. <P/>I 'm at a loss as to how and try to fix this problem. I WAS TOLD by the bank that I did n't have to make those payments and then they XXXX me ( and I 'm guessing a lot of others too ) by giving me a bad credit rating with no effort to fix it. <P/>I 'm at a loss!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In XX/XX/XXXX I hired a credit repair company to help me remove some things of my credit report from all three credit agencys in which they did help but, I have one of {$600.00} that 's keep coming back after it was removed a couple time but reappear. I sent letters every 90 days and still nothing

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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: I have disputed a inaccurate information pertaining to a chapter XXXX bankruptcy that is showing on my Equifax Credit report on more than one occasion. Each time Equifax "investigates" the inaccurate information they respond back and say that the information has been verified through the 3rd party company "XXXX XXXX". There is a chapter XXXX bankruptcy with case XXXX  showing on my credit report with a filing date of XX/XX/XXXX. I have contacted XXXX XXXX as well as the IL Fed Bk Ct and they show no records of a bankruptcy being filed by me with case # XXXX on XX/XX/XXXX. But yet Equifax insist that the information is correct and has been verified. Further more XXXX XXXX states that they have never verified this information to Equifax nor any other credit bureau as this information does not exist. I have contacted Equifax on several occasions to have this inaccurate and unverified information removed from my credit report as required under the FCRA since the information is not accurate and can not be verified as accurate. Equifax continuously violates my rights under the FCRA and and deliberately lies in their responses to myself and the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Credit card () with JPMORGAN CHASE & CO. (WA).
Issue: Customer service / Customer relations

Complaint: I applied for a Chase XXXX credit card online some time last XXXX or XXXX, XXXX i heard nothing from them. I called Chase around XXXX, 2016 to ask what became of my application. Using a social security number check, they found no credit card application. It was n't until I contacted XXXX that I learned that Chase had, in fact, put a hard hit on my credit report -- yet had forgotten about it. After hours of being led from the credit card department to customer service to Fraud, they finally called XXXX and confirmed what they had done. At this point, they explained that my application was no longer valid since 30 days had passed since they 'd allegedly sent me a letter asking for identity verification. No such letter ever arrived at the address they used ( that listed on my account ) since it was n't sent registered. I objected, saying they had no proof such a letter was sent. I wanted my application re-opened and they refused, but they would n't remove the hard hit. This thus paralyzed me financially ; I didn ' want to apply for a card elsewhere as it would mean a XXXX hard hit, something that would unfairly harm me credit wise through NO fault of my own. Chase clearly had shown multiple errors tracking my application ; how could it be sure it had ever sent me a letter. 

On XXXX XXXX, 2016, however, Chase sent me another letter to that same address. The letter ( attached ), dated XXXX XXXX, 2016, says it 's a repeat of the letter allegedly sent to me in XXXX, 2016. This letter, however, specifically states I must respond to Chase within 30 days of the " date of this letter '' in order to proceed forward with my credit card application. I called Chase both XXXX XXXX and XXXX XXXX to discuss this letter ; after 75 minutes ( mostly on hold ), the agent XXXX XXXX XXXX XXXX indicated the " matter '' needed to be " discussed '' amongst various groups and that they 'd get back to me via my email ( I 'm overseas on business now but they wo n't call my international phone number ). 

Chase has held me hostage to their business practice, XXXX which they 've unilaterally decided is correct and without flaws of any sort. The consumer is left to accept their verdict, and up to now, they 've admitted no wrongdoing. I want my credit card application processed promptly ( I 've been a customer of Chase for many, many years, and they have access to my credit history in that respect, though they denied this fact when I suggested it ). In addition, I want XXXX points added to my card by Chase as a gesture of goodwill for their egregious mishandling of my request, which has cost me hours of time online, not to mention lack of this card at the time when I really needed it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Credit card () with BARCLAYS BANK DELAWARE (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: The Barclaycard Arrival Plus MasterCard account was charged fraudulently twice in XXXX 2015 for {$210.00}. This card was cancelled and another was issued in its place. Barclaycard did not cancel the debt but forwarded it onto the new account and called it a dispute. I have contacted Barclaycard by email and phone on numerous occasions without success. These XXXX charges were fraud and need to be cancelled as a result.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-02-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have asked Equifax to investigate and if not verifiable, delete negative information on my report. I have explain and shown Equifax the mistakes such as re-aged, recent monthly payments on accounts that are closed and they have fail to provide me with validation of accounts from collection agencies. Equifax has only send back a full credit report with updates and claiming validation from furnishers, but all mistakes are visible to the point of showing schedule payments on the on sold accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A debt I 've already paid is on my credit report as a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I phoned the collection agency directly and mentioned this was not mine. The collection for {$89.00} posted on my XXXX Credit Bureau file in 2012 to have it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (SC).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: We have a Citi Visa credit card branded with Best Buy. The statement cut on XX/XX/XXXXwith a balance of {$6400.00}, due XX/XX/XXXX. We signed up through Citi bank 's website to make ACH payments by direct debit of an account at our primary bank. 

On Sunday, XX/XX/XXXX, we submitted payment of the full balance of {$6400.00}. Monday, XX/XX/XXXX that amount was debited from our account. 

As of Wednesday XX/XX/XXXX Citi showed that the payment had been made, but had not added the funds back to our available credit. I call and spoke with a representative who said it normally takes two business days to post payments. This does match Citi 's Terms & Conditions. 

As of Thursday XX/XX/XXXX it was still not available. I called again and now the rep said because it was a large payment it had a float hold of 7 days instead of 2. A 7 day float hold for an ACH payment they received on XX/XX/XXXX? Because Thursday was XXXX the call could not be escalated to a supervisor. 

As of Monday XX/XX/XXXX, seven days after Citi received payment by electronic transfer, the payment was still not in the available balance. I called again, escalated to a U.S. supervisor, who transferred me to a credit specialist, who spent 5 minutes trying to reach XXXX XXXX XXXX, who then transferred me to another manager, who then spent several minutes reaching XXXX XXXX XXXX, who then went though an almost comical phone call to verify that in fact XXXX XXXX XXXX had transferred {$6400.00} on Monday,XX/XX/XXXX 

My company writes ACH and payment processing software. There is no float on ACH. My bank has the choice of rejecting the payment or transferring the funds. Citi received confirmation of it, at the very latest on the XX/XX/XXXXbut much more likely on the XX/XX/XXXX. 

The float policy is unreasonable to electronic payments. It should not require 3 calls and 7 days to get credit for funds that were transferred to Citi electronically.

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 04/14/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (PR).
Issue: Taking out the loan or lease

Complaint: Dear Sir/Madam : In past years I have been a customer of Springleaf Financial. I have had serveral loans which I paid on time, or paid off early. Applying for a new loan, I was denied. I feel that they have discriminated against me, for they have no valid reason. Since I had ALWAYS PAID Springleaf they have no justification of denying this small loan of {$2500.00}. 
Therefore, they are granted a license by the state and federal government agency to help people in time of need. As you are aware 26 % is no bargain. 
I am requesting that this matter be looked at. 
Thank-You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have already addressed XXXX 's incompetence and illegal reporting of a a student loan account that was discharged in my Bankruptcy in 2010 and had it removed once. Now it is back XXXX up my credit again reporting a balance and lates month after month and needs to be deleted ASAP!!! Attached is a screenshot of the illegal reporting and the page from my BK clearly showing it was included and discharged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-05-2016 about Credit reporting () with Credit Karma, Inc. (KS).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Mortgage paid off in good terms when sold. Is marked as " closed - Derogatory

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I have been a member of Wells Fargo since 2004, and have not, until recently, had issues to the extent that I have had with the company. I have chosen to handle the majority of my banking online for convenience but also because the employees working at several of the locations I have visited have been extremely unprofessional while handling my account. For example, I have had tellers read my personal information out loud while handling transactions ( i.e. current balance ). The company has also been uncooperative while dealing with automatic payments on my account. I submitted a request to have a payment stopped until I could research the company taken the automatic payments out of my account. However, Wells Fargo refused, and insisted on the continuation of the withdrawals refusing to negotiate via my online account. More recently, the company fraudulently submitted several transactions sending my account into the negative. The company refuses to acknowledge that these charges were fraudulently placed on my account, and does not give the option to dispute online. I have reached out to several representatives to no avail, and have been misguided and misdirected. The bank also deleted several emails sent to me from representatives in regards to my account. One email was from a representative strongly suggesting that I  do not dispute the charges and that I call rather than email. The email was threatening and suggestive. Several other emails contained messages that they would not stop the automatic payments.The recent transactions are fraudulent, I am now concerned regarding my vulnerability to the company as they are using my personal information, and the company 's refusal to assist with the discontinuance of the automatic payments is unprofessional and unethical.

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 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
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: I found some unauthorized inquiries on my credit report from Equifax, so I sent a multiple inquiry letter on XX/XX/XXXX by certified mail to the company. The letter explained that the following inquiries listed were not authorized by me and I wanted the company to investigate the situation and to delete those inquiries because they were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX of XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I received results from the company dated XX/XX/XXXX, stating that the inquiries are a factual record of file access and nothing was deleted from my file. A week is not long enough to do a proper investigation in this matter. According to the FCRA, as a consumer it is my right to have a proper investigation into any issue or inaccurate information contained in my credit file. I was unsatisfied with their actions, and I would like the above inquiries deleted to remedy the situation.

Company response to consumer: Closed with explanation