milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-05-2017 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hello, I have an issue with the credit bureaus reporting incorrect information on my credit files which are damaging my credit scores. I have the proof of inaccurate information being placed on my credit files and I 've disputed with Equifax and they 've told lies that they ca n't remove it after I 've told them the information is totally incorrect reporting from a creditor US DEPARTMENT OF EDUCATION I have attached the following proof from the credit bureau who has the correct information reporting

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (AZ).
Issue: Application, originator, mortgage broker

Complaint: Mortgage loan closed on  XX/XX/XX  and lender noted lender 's credit on closing docs.   On  XX/XX/XX  recd  XXXX  from lender noting other income. In query to lender advised first narrative that this was a homeowner grant - disputed ; then after appro x 2 pl us weeks was advised this was a origination assistance and  XXXX  was amended and reduced the amount from {$1500.00} to {$950.00} still disputed as none of these narratives appear on the closing docs and third narrative was this was as GIFT? With filing my taxes and adding the {$950.00} to my adjusted income I 'm at a loss of refund from Federal/State of approx {$300.00}.   Have requested numerous times a letter from lender explaining the situation and yet to receive. This has been disputed continually almost daily with the lender and have all history of phone calls and lender staff from the mortgage banker who initially processed the loan application to several Escalation Managers etc. without a satisfactory explanation.   Mortgage banker aware of the credit yet never aware that it would result in other income!      XXXX   XXXX   o n loan application, underwriter 's docs and closing docs show the amount of {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I was impacted by the XXXX security breach and want to place a freeze on my credit. The fact that I need to PAY money to freeze my credit to fix this giant error by a company that clearly does n't care about it 's customers is just terrible. The American people should get free credit freezes/unfreezes in general.

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 07-03-2016 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (MS).
Issue: Credit decision / Underwriting

Complaint: We have been dealing with quicken Loans for the past 90 days and had a terrible experience. Back in XXXX we started the process to transition our construction loan. They told us they need XXXX 45 days. Our originally closing date was XXXX XXXX. We were going back and forth. Every week since XXXX we were told we would be closing within the week every time we called them. Never were told if any issues. Finally in the middle of XXXX after My husband had called them every day we were told about an issue with XXXX of our construction loans being unsecured. I spoke with the bank that handle our construction loan and we had that small loan changed to a personal loan so we could get our mortgage closed. It was costing us {$33.00} a day in interest and all we wanted to do was close because we were told we would be closed by XXXX originally. We continued on for several weeks almost every Monday we were told we would be closing by that Friday or Saturday. One week ago I was very frustrated and posted a comment on XXXX about how it had been 80 days and it is unexceptable. My husband and I have good credit, good income and they told us it would be a quick and easy process. We had people from the corporate calling us that Saturday trying to get the loan straightened out.Monday we had a XXXX call us telling us we were getting {$5000.00} credit and {$500.00} back in cash because how quickens handled the loan. Thursday morning The vice president of the bank we have our construction loan through and my husband XXXX way quickens because of all the miscommunications and delays. The interest rate expired several times throughout the process and i asked everytime because the interest rate expired we should get a better rate because this was not our fault and they kept giving me the same interest rate saying there was nothing they could do and they tacked on several fees i would have put more documents in the upload section but quicken loans deleted several of them they were trying to charge us XXXX for the appraisel wich is unheard of a long with several other fees but they have been removed i 'm sure they still have documentation of this.The vice president of this bank really stood up for us and told them how unorganized this process has been. After they all disconnected the call quickens called my husband and told him they could not continue because our construction loan expired XXXX XXXX. Quickens has known it was expired for two months. Now we are paying {$6100.00} in interest fees to extend our construction loan and met with an attorney about recouping our losses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/17/2015 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was approved for the $ XXXX limit amex card. After a month I finally decided to use my card. Within a day they froze my account and asked me to submit documents as if I was applying for a mortgage. I felt it was contracts of adhesion so I applied and was approved for another card with without all the hassle and a much higher limit. After canceling my account they sent the account to collections without notifying me. I tried contacted XXXX at ext. XXXX who originally asked me for a numerous amount of supporting documents to keep the account open, but response. They have now destroyed my credit for an alleged {$100.00} balance I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Account opening, closing, or management

Complaint: There was a check that was deposited on XX/XX/2016 that I did not know was fraudulent. Wells Fargo decided to close my account on the XXXX/XXXX/16 without even a phone call or an email concerning the matter. It took me going to a branch ( which is an hour away from me ) to find out that the account was being closed on XXXX/XXXX/16. The banker XXXX ( XXXX XXXX XXXX ) informed me that once it is sent that there is nothing that can be done on their end. This was something that has never happened before and for them to just close my account without even hearing my side of it is completely absurd to me.

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 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I placed a fraud alert on my credit file that indicates anyone who runs my credit needs to call me and that was n't done, which violates my rights as a consumer. I have reached out to the CB 's several times on more then one occasion to advise of my credit being pulled without my permission, but to no avail they refuse to comply.

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 01/15/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: My problem is that my loan was {$4000.00} and I have been paying {$59.00} monthly since 2006. I asked them how much I still owe and they sent me info that I still owe {$3700.00}. Please direct me what I can do about Navient. My loan was with XXXX XXXX originally. 

Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX I opened dispute # XXXX over the phone with XXXX at Citibank for a {$620.00} charge made to my Citi debit card on XX/XX/XXXX by XXXX XXXX, a provider of testing training services. I could not log the dispute online because the Citibank interface does not allow debit card charges to be disputed online. On XX/XX/XXXX XXXX called the number listed on the attached contract Exhibit 1, ( XXXX ) XXXX, but received no answer. 

The services contracted with the vendor were for 6 months of online training and payment of the XXXX test fee to the XXXX XXXX XXXX as shown on the attached Exhibit 1. The service contract with the vendor ran from XX/XX/XXXX to XX/XX/XXXX, so the 60 day limit on disputing charges does not apply since the vendor was only required to deliver the test fee within the 6 month contracted period, not on XX/XX/XXXX.
On XX/XX/XXXX I emailed and called the vendor as shown in the attached Exhibit 2 to make sure it had fulfilled its obligation under the agreement to pay the XXXX test fee. No response from the vendor was ever received. 

On XX/XX/XXXX I received a response ( attached as Exhibit 3 ) to my XX/XX/XXXX email to the XXXX XXXX XXXX that confirmed that my test fee was never paid by the vendor. 

OnXX/XX/XXXX I received the attached letter backdated to XX/XX/XXXX, attached as Exhibit 4, stating " Due to the amount of time that has passed since this charge was first billed to your account, we are no longer able to assist you in this matter ''. 

Citibank 's response violated the Fair Credit Billing Act which states that a consumer has up to 60 days FROM THE DATE OF THE EXPECTED DELIVERY OF THE SERVICE to dispute a charge. Since the end date for the contract was XX/XX/XXXX, too much time had not passed, and I am within my rights to have this dispute investigated by Citibank and for it to deliver a written disposition of my case.

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 09-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed XXXX collections on my account multiple times and requested how this debt was verified and who they had spoken with etc. The only response I got from the credit bureau was that it had been investigated and found to be accurate with no description of how it was verified despite my repeated requests. For XXXX account, I even had emails from the company stating that it was to be removed, however, the credit bureau continued to refuse to remove stating that it was not sufficient proof that it should be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Debt collection (I do not know) with Columbia Collection Service, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Agency continues to call my cell phone even after verbal notification that my cell number does not belong to the person they are attempting to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have tried to reach out to Experian to ask them why my credit score for utilities ( XXXX ) is so different from my primary credit report ( around XXXX ) ; I have n't been able to get through their systems, as their phone is useless ( XXXX ) and they require a report number on their site -- a report about my credit on utilities, that I do not have. As a result of this report, ( and I only found out through a letter from the utility company ), I was asked for a deposit for my energy bill, and due to this and additional other issues, my power was turned off without warning. -I 've paid my bills consistently for the last 5 years, so I did n't understand where this was coming from ; my previous energy company issued a very positive letter of credit to the new company. 

I would like to know : 1. Why there is a drastic difference between the XXXX? 
2. What items are on that report that are bringing it down? 
3. A copy of my 'utilities credit ' report. 
4. Information on how to challenge anything on said report. 
5. A contact phone number or email that actually works

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 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have a previous address reporting on my credit report that I was never associated with that I will like to be removed from my credit file, That address is where someone committed fruad in my name and will like that address to be removed XXXX XXXX XXXX XXXX va XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I am really concerned and honestly afraid. My loan was recently sold to SLS Mortgage - Specialized Loan Servicing from XXXX XXXX XXXX. My monthly payments are {$1400.00} a month. My principal balance was XXXX on XX/XX/2016 I made an {$8000.00} payment and asked that the rest be put towards the principal. Today XX/XX/XXXX I went to look at the transaction history and it is a mess and says I owe XXXX and that they did receive and cash my payment. Please help. I called today and spoke to someone that wrote a note I the system so that I can be fixed and the guy was nice but so unprofessional. he used words like a, da, bummer. I have also never received a statement and I told the person as well and he was like a ok what kind of statement. I asked to speak to a supervisor and no supervisor. Please help, is t his a legit business?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Duncan Solutions, lnc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My ex husband was a XXXX. He drove to work and parked on XXXX and XXXX XXXX and everyday he received a parking ticket. He hid everything from me, and when I found out I made him promise that he would pay it. When we separated in our separation agreement we noted that it was not my responsibility to pay the debt and that it was his responsibility. The agreement was signed and notarized, making it a legal document. He has not paid a cent toward the balance and it is on my credit. Because he legally took responsibility of the debt that he accrued in my car that was registered to my name, I would like to remove these infractions from my credit report. I have attached a unsigned copy of our separation agreement. If the signed XXXX is needed please advise me and I will have my attorney forward it to you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed credit information for some time. I have now provided you with information on the mortgage company under complaint # XXXX credit bureaus are not conducting an investigation, even though I have provided them with documentation that the information they have is incorrect. 
I have challenged wrong accounts XXXX times. 
They only wait for the company to respond and say the information on the account is correct, and do nothing more.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (PA).
Issue: Account opening, closing, or management

Complaint: Paypal restricted permanently my accounts with them. I understand it is their business decision to not do further business with me but they are withholding my funds for 180 days before they release them. Upon contacting Paypal I was informed that this policy was due to potential charge backs / transaction disputes that may occur due to use of credit card and that the provision was part of their user terms and conditions. 

Paypal User terms and condition state that : '' XXXX Actions by PayPal - Restricted Activities. 
( ... ) e. We may hold your Balance for up to 180 Days if reasonably needed to protect against the risk of liability or if you have violated our Acceptable Use Policy ; '' I find that the period of XXXX is unreasonable in this circumstances because : - There is no risk of liability - my existing balances were from transfers from other users which loaded their accounts with Paypal MyCash which, according to Paypal terms and conditions, are non-refundable ( hence, the risk of liability from Paypal is non-existent ) - I am not involved in any prohibited activities described in the acceptance user policyI wish for Paypal to refund me XXXX, which is my existing balances across my accounts. Reference numbers : XXXX - XXXX - XXXX

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 07/25/2017 about Debt collection (I do not know) with Navient Solutions, LLC. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is stemming from the dispute/response I received from GRC in which I filed against General Revenue Corporation : General Revenue Corporation is a collection agency not a lawyer or attorney. GRC do not operate off of FCRA laws. Since they are debt collectors the company supposed to abide by the FDPCA laws. GRC did not send me an agreement with the original client that authorizes GRC to collect on this alleged debt nor did I sign any agreement stating that if any information were mine that the original creditor can share my personal information. All collection agencies need to be licensed in the state of Ohio with the attorney general of Ohio. I have did my research and GRC is not registered with Ohio attorney general. I have also sent a cease and desist to GRC. The only person I need to discuss this fraudulent matter with is XXXX XXXX. This is a inconvenience for me. I am in the process of purchasing another home and this fraudulent information is a great concern. I will be forced to sue for damages if GRC do not remove from the credit reporting agencies. Do not send me another response through CFPB stating I need to contact GRC. Remove immediately!

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 03/27/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XX/XX/XXXX, I requested Experian to investigate and verify erroneous, incomplete and inaccurate information that they were reporting in my credit file. It took them more than 35 days to respond and they said that they had verified the information, but they did not provide " Proof of Verification '' or their " Method of Verification, '' as requested. They simply matched up numbers in a data base and said that it has been verified. 

On XX/XX/XXXX, I sent Experian a letter to re-investigate this same incomplete, inaccurate and erroneous information, specifically requesting their " Proof of Verification '' and their " Method of Verification '' for this inaccurate and incomplete information that they are reporting. On XX/XX/XXXX, I sent a follow-up letter ( all letters were sent certified, return receipt ) reminding them to validate and delete this erroneous, inaccurate and incomplete information that they are reporting without legal verification. 

So far, they have totally ignored my request and have violated my legal rights as a consumer. I have also expressed to them how damaging this inaccurate, incomplete and erroneous information that they are reporting is to me, my family and my financial well-being. However, they continue in their blatant disregard of the law. In addition, I have requested that they provide " Proof of Verification '' as well as their " Method of Verification. '' They have not complied. 

According to the FCRA, Credit Bureaus have 30 days to investigate a dispute, and another 15 days to provide the " Proof of Verification. '' It has now been more than 100 days since my initial dispute and request for verification, and Equifax has totally ignored my requests and have not resolved this issue as of today 's date. Federal law states that under the Fair Credit Reporting Act, a Credit Bureau can not report information on a consumer that has not been legally verified. For your review, I have included my correspondence with Equifax, as well as, copies of my Return Receipts. 

Thank you for your prompt attention to this matter, and I shall look forward to hearing from you soon. 

Regards,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/16/2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This was a bill with XXXX XXXX XXXX, when I shut it off I made arraignments to pay it off threw XXXX XXXX XXXX took over and I continued to pay, XXXX gave it to collection company XXXX XXXX XXXX in XXXX Tx on XXXX XXXX 2017 the cashed check # XXXX for XXXX dollars on XXXX XXXX 2017 they reported to credit beau that I was too months behind this is a case of fraud I called up the company and they told me they see the payment some thing has to be done with these people.The out  standing balance was XXXX which I paid in full.

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