milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
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: On XXXX XXXX, XXXX I submitted the exact same dispute to both Experian and XXXX, regarding XXXX XXXX XXXX and XXXX XXXX. 

Both credit reporting agency websites rejected the documents I tried to upload so I mailed them via XXXX certified mail on XXXX XXXX, XXXX. I sent the same exact documents to both credit reporting agencies, and copies to XXXX at the same time. ( I had previously complained directly to XXXX XXXX. 

Transunion sent me a notice dated XXXX XXXX, XXXX that they had investigated my dispute and had DELETED both XXXX XXXX XXXX XXXX from my credit report. 

Experian however, notified me on XXXX XXXX, XXXX that they " reviewed the documentation I provided with my dispute, but have determined that we are not able to use it to make the changes or deletions you requested. We are contacting the furnisher of the information or the vendor who collected the information from a public record source. '' I received a notice dated XXXX XXXX, XXXX that Experian " updated '' the information in my report. The cover page of their notice states " OTHER ITEMS DISPUTED ARE NOT CURRENTLY DISPLAYING ON YOUR PERSONAL CREDIT REPORT ''. While I do not see XXXX XXXX displaying on the report, there is no indication in the report that they have actually deleted any information from my credit file. This seems to be a misleading statement intended to lead me to believe the information was deleted when it in fact is just not printed. 

Also, Experian explicitly stated that it " updated '' the XXXX account, but the information is not materially different to what they had before, which is still FALSE information. 

It is my understanding that if one credit reporting agency receives credible information that results in deleting accounts, then that credit reporting agency has procedures in place to notify other credit reporting agencies as well as the furnisher.

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 03/18/2017 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: a tax lien was placed on my report and they was suppose to take it off.

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 03/29/2016 about Debt collection (Credit card) with Stillman Law Office (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: The Stillman Law Office has been collecting for a XXXX XXXX XXXX credit card that had gone into collections. Stillman filed a Writ of Garnishment XXXX/XXXX/XXXX and I immediately filed an answer to stop this by applying for periodic payments XXXX/XXXX/XXXX. We went to court XXXX/XXXX/XXXX and we agreed on monthly payments. After the confirmation that the writ was canceled, my employer is still getting letters about the garnishment. It is very distressing and embarrassing that they are still trying to collect on a garnishment that is no longer in place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experience is reporting incorrect and inaccurate information on my credit file. I have tried to get it corrected with them several times now and it has still not been resolved.

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 06-10-2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NC).
Issue: Managing the loan or lease

Complaint: my car is financed threw ALLY, back in XXXX XXXX i asked for a extension on my car payment, I never received it until XXXX XXXX threw this happening my car payment was late but it was still paid. I am asking for the late actions to be taken off my credit report so I can buy a house, so my credit score will raise by up. Thank You! XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/19/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I suspect that my identity has been stolen for the second time. I disputed an account being reported XXXX to which I asked XXXX to validate the information reported. I never received validation but Equifax is reporting that it was validated with them but they refused to tell me what information was verified yet the address that XXXX is reporting is not my address. This address XXXX XXXX XXXX XXXX has been previously deleted by Equifax yet they re-reported this address on my credit file as of XXXX/XXXX/2015 ( less than 30 days from removal ). Equifax is also reporting my birthdate incorrectly. I 'm listed as being XXXX years old when I 'm only XXXX. I 've sent in XXXX copies of my valid Florida drivers license yet they refused to correct my information. These invalid reporting is causing me to be refused credit. I 've spoken to XXXX supervisors at Equifax and they all have refused to fix these incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: EXPERIAN XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Request for Investigation of Unauthorized Inquiries Dear Sir or Madam, I checked my personal credit report, which I paid for from your organization and I noticed unauthorized inquiries had been made. 
I contacted each of the following companies, who conducted each of these inquiries and requested proof that I authorized them to pull my credit report. No proof has been forwarded, therefore I asked them to remove the credit inquiry they placed to my credit profile. 
I request that you initiate an investigation into the following inquiries and have them deleted ASAP! 
1. ) XX/XX/XXXX XXXX XXXX ( I did not authorize my credit pulled by this company on this date. The only time I have ever authorized XXXX XXXX to pull my credit was on XX/XX/XXXX ), please delete this inquiry or provide me with a document showing my authorization to pull my credit at anytime in XX/XX/XXXX 2. ) XX/XX/XXXX XXXX XXXX - Again I did not authorize my credit pulled by this company on this date. The only time I have ever authorized XXXX XXXX to pull my credit was on XX/XX/XXXX ) 3. ) XX/XX/XXXX or XX/XX/XXXX XXXX XXXX -- - I never authorized them to pull my credit please delete this inquiry or provide me with a document showing my authorization to pull my credit at anytime in XX/XX/XXXX, Please delete this inquiry! 

Once your investigation is complete and you find my allegations to be true, please remove the unauthorized the inquiries and send me an updated copy of my credit report at the address listed below. If you find the inquiries referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter, 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 09-08-2017 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: Their investigation did not fix an error on your report

Complaint: In XXXX 2017 I contacted XXXX XXXX about their reporting on an auto loan that was included in my bankruptcy. They told me that they had reported it to Experian and XXXX as Chapter XXXX  bankruptcy. Experian 's response to the creditor was because of a lawsuit that the discharge paper work that was sent to them ( creditor ) from the court was not sufficient enough and that I would have to personally provide them with the the schedule of the items I included in the bankruptcy to them ( Experian ). When did this new practice come into play that the discharge paperwork that was sent to to creditor from the courts was n't sufficient enough? When did the policy change when a credit submits information to the bureaus to update account information they choose not to? I have contacted Experian personally and they told me I would have to either provide a copy of all my paperwork I filed to the courts almost 3 years ago for their review. I ', m not going to submit my personal information to them especially with the situation that just happend at Equifax. XXXX has reponded that the creditor has verified they are reporting correctly which is untrue. Experian and XXXX are giving me a hard time as well as the creditor. I stated to both bureaus if they are not able to report correctly they need to remove from my report which they have not done. They are in violation of my consumer right and I need the CFPB to step in and 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 non-monetary relief
Consumer complaint received 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
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 disputed some inquires on my credit file on  XX/XX/XXXX . There were  XXXX  total inquires I disputed, in about a 24 hour period Equifax sent confirmation that the investigation was complete and I could review the results. They responded by saying ; The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor.
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They, never initiated a true investigation, they just took the lazy way out and wanted me to do their job! To my understanding and research - if I dispute any item on my report they have to initiate an actual investigation - they should be able to provide documentation showing I authorized the inquiries to be made and also be able to provide a Verification from each source that this was investigated and verified. They are not following FCRA sections 609 or 623 - I will wait for a response, then if need I will also follow up with a complaint with CFPB on this matter.
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Equifax Report Confirmation #  XXXX  Inquires Disputed ; Leasing Desk - XX/XX/XXXX Equifax Mortgage Services - XX/XX/XXXX   XXXX  - XX/XX/XXXX   XXXX  - XX/XX/XXXX  *Actually, if they investigate they will see that  XXXX  do n't even offer service in my Area . * Respectfully,   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Hi, today XXXX XXXX I called customer service of Capital One to ask them to remove the {$25.00} late fee that unfairly has been charged to my account even I paid on my due date ( XXXX XXXX ), The associate told me They were unable to do it due to the " system '' - I asked to speak with someone else and I spoke to a manger ( I do n't remember names ) but the same negative response. They say I have to pay within their time frame, and that this time they wont be able to do it ( I know they have waived other time XXXX sound like this time they want me to teach me a lesson ; and they did want to do that simple thing. 
I think their system should remove any late fee automatically when is paid on your duedate or at least XXXX no make a hard time to good paying people so why in the world they dont want to wave it? It totally unfair

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage loan with Seterus , Inc . In approx XXXX of 2015, my workload ( XXXX ) was decreased by more than half. This decrease took my paychecks from approx {$1300.00} down to approx {$400.00}. I fell behind on my mortgage payments. I called Seterus and explained the situation and was told that they would work with me to keep from foreclosure. I received a delinquency notice dated XXXX XXXX, 2015, which listed the months for which I owed and the status. The letter showed that the XXXX 2015 payment had been made on XXXX XXXX, 2015. This made me delinquent by XXXX months XXXX XXXX, XXXX, XXXX and XXXX XXXX. I secured a full-time job and, on XXXX XXXX, 2015, made the payment for XXXX. This made me delinquent by XXXX months XXXX XXXX, XXXX, XXXX and XXXX XXXX. My plan was to make a payment XXXX a month until the loan was brought current. On XXXX XXXX, 2015, I made the payment for XXXX. This WOULD HAVE made me delinquent XXXX months XXXX XXXX, XXXX and XXXX XXXX. That payment was returned to my bank because of " the status of my loan. '' When I called to discuss the matter with Seterus, I was told that they did not accept partial payments. I was told that the only payment that would be accepted on a delinquent loan would be the full amount owed. The payment made on XXXX XXXX for XXXX would have been considered a partial payment and they accepted that payment ... .why not the XXXX XXXX payment?? Today, I received foreclosure papers.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: I have been trying off and on for a couple of XXXX XXXX XXXX XXXX XXXX to place a freeze on my account with TransUnion. I also tried this a year or so ago, when I placed freezes XXXX successfully XXXX on my account with XXXX and XXXX. When I log into TransUnion, confirm my address, and click Continue, I get to a page that says they are having 'technical difficulties '. I have not called the phone number listed, because last year when I tried several times to place a freeze with them, their phone support was inept and completely unhelpful and uninformed. I appreciate any pressure you can exert on TransUnion to get their act together and allow consumers to place freezes on their accounts. Thank you.

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 03/30/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Greentree removes my tax money and does n't pay my taxes until a month later. This time they decided to raise my monthly impound to cover this, by {$1200.00} a year, saying there is a {$970.00} shortfall. There is no shortfall, they just remove $ 4K+ from my account a month early. 

I have proof of the withdrawal and the fact that my taxes remain unpaid. They did this in XXXX of last year as well. I opened a case up then as well. 

I have since requested that impounds be removed for all but the mortgage insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: This complaint is not as much about the servicer of my private loans than my college whom forced me to take the loans. 
The college which I attended, Illinois XXXX XXXX XXXX - XXXX, used deceptive practices to minimize the effect of taking private loans versus federal loans. Additionally, they were not transparent at all about the total costs that tuition would net. As a result of their deception, they offered a XXXX course leading to a XXXX XXXX XXXX but offered very limited assistance with finding a job after graduating! Their major courses were too broad and did not allow for enough focusing of education and since they were only a XXXX program, also did not give enough time to adequately learn enough about the industry to adequately get a career in one 's chosen field ( while at the same time costing WAY more than a typical XXXX program in other colleges ). 
All of this happened to me, and in the end, I was stuck $ XXXX worth of loans, and very limited prospects of being able to pay them back since I could not land anything but minimum wage jobs with my near-useless degree. I have since been able to have sopme of that debt removed, the federal parts of the loan, but I am still deep in debt with about {$65000.00} in PRIVATE loans that must still be repaid. I STILL do not have a job in my chosen field, and my degree has still yet to come into play. 
I urge you to investigate Illinois XXXX XXXX XXXX 's corrupt For-Profit business practices and see to it no one else is deceived and screwed over by them.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Debt collection (Credit card) with Atlantic Credit & Finance, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company Atlantic Credit and Finance is calling me up to 5 times a day on my cell number. From phone number XXXX as well as calling my work phone number. They were never given permission to contact me at work, or harass me at my place of business. I find their multiple calls daily very harassing. I have blocked their number so now they call me at work. I have asked them to no longer call there either because I am not allowed to take personal calls at work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2017 about Mortgage (Other mortgage) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We paid our XXXX 2016 mortgage payment to Citi ( I have proof of deduction from my bank statement ) on XXXX XXXX, 2016. Citi transferred our payment to a different dept and then reported us 30 days late on our credit which is ruining our credit profile but more importantly hindering us from refinancing where we could save over {$800.00} per month. We were not 30 day past due. We have not been late on our mortgage for more than XXXX which I have records and documentation proving so. And the only reason we were late XXXX ago was because we were advised to do so to secure a loan modification. This is a HUGE problem for us and we need this reversed 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 08/18/2016 about Other financial service (Check cashing) with CHECK INTO CASH INC. (OK).
Issue: Advertising and marketing

Complaint: I received a phone call from XXXX. The computer voice identified the company as " Check Into Cash ''. The voice thanked me for calling them. I never placed a phone call to them. They called me. The computer solicited me for a loan over the phone without any of the proper disclosures required by TRID or TILA. When finally connected to a human being, they refused to believe that I had n't called them to apply for a loan. They insisted that I dialed their number to apply for a loan and claimed that it was impossible for them to have called me. 

This is a deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The mortgage in question was part of a divorce settlement. Which the home was guarantor to my x-wife XXXX XXXX XXXX in the year of 2002. Since, I have spoken with Wells Fargo about the responsibility of this mortgage no longer being my debit. I have presented my legal documentation from the divorce decree and to no avail this mortgage is still showing on my credit report. This has cause major issues for me whenever I am faced with trying to make major purchases. However ; when it is being reported to all credit bureaus it appears that, I am still held responsible. My name no longer appears on the mortgage, but it still is affecting my credit reporting. The credit reports are showing conflicting reporting. One report shows the account as a open ... .another reports the account as being closed.

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 01-11-2018 about Checking or savings account (Other banking product or service) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I initiated an ACH transfer with Capital One Bank to transfer money from another bank to my Capital one Bank money market account on XXXX/XXXX/XXXX. Per Capital One Employee XXXX XXXX XXXX id XXXX ), the funds were received in my Capital One account XXXX/XXXX/XXXX. Per Capital One XXXX XXXX XXXX employee id XXXX ) Capital One held the entirety of the deposit without making any of it available until XXXX/XXXX/XXXX. This is a violation of XXXX law. CFR 229.10 subpart B states : ( b ) Electronic payments ( 1 ) In general. A bank shall make funds received for deposit in an account by an electronic payment available for withdrawal not later than the business day after the banking day on which the bank received the electronic payment. 

Capital One 's website funds availability policy states : Deposits made via check drawn on another bank and ACH deposits that we initiate on your behalf will be held for 4 business days. 

In other words, Capital One 's stated policy violates federal law.

Company response to consumer: Closed with explanation