milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an account, XXXX XXXX XXXX  XXXX, being reported to all three credit bureaus under my name and this information is false information. Someone has gotten access to my personal information and has used that information to open this account. This account does not belong to me and needs to be removed from my credit report immediately. The balance on this account effective XX/XX/XXXX is {$150.00} and this account was opened XX/XX/XXXX. I have XXXX XXXX XXXX several times and have gotten no response. I have contacted all three credit bureaus and have gotten no response. 

There is an account error with XXXX XXXX  Delaware that is falsely showing on my credit reports. This was never a part of my bankruptcy and was never one of my accounts. The credit bureaus shoe that there is no data. The reason there is no data is because the account is false information. I have contacted XXXX XXXX Delaware several times and have gotten no response. I have also contact all three credit bureaus and have gotten no response. I would like this account removed 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 03-01-2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (OH).
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: I placed an order on XXXX XX/XX/XXXX. I ordered 3 items. I received only 2 items but the 25 % coupon was not applied. I was on line again XX/XX/XXXXthose same 3 items are offered with a 50 % off code 3DAY. I sent XXXX 's a email asking the status of the item not received, the 20 % discount not being applied and letting them know that all 3 items are now 50 % wit that code. If they won't honor to send me a return label for the two items and have them picked up. The order number is 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 05-08-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (IL).
Issue: Struggling to pay mortgage

Complaint: I am in desperate need of assistance. I submitted a modification packet t o Ditech s ince  XX/XX/2016   . However they keep prolonging my case making me fall further behind. By doing that my documents got expire, had to re-summit everything again.     I have tried to work wit h Ditech but nothing is been done. I have provided more than twice all my documents to Ditech.  today I spoke with my assign  specialist   XXXX    XXXX   XXXX   XXXX   he told me there were no new notes, from the escalation that was submitted. At this point I am more than sure tha  t Ditech is practicing fraudulent and deceptive practices in order to prolong my case and to deny me any assistance.
I am tired of Ditech taking advantage of me because I am a elderly person. Ditech is aware that my intentions are to keep my house with an affordable mortgage payment. I am in desperate need of assistance. I have cut lots of unnecessary expenses to make sure I can be provided a modification. At this point I believe Ditech wants to foreclose my home instead of offering me a modification.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I 've mailed Equifax a certified letter for validation of debts. I 've requested the information stating it belongs to me, however they have not sent me anything stating any debts belong to me and have claimed to validate. I 've been having this problem for a while and will like this to be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: I 'm writing this complaint regarding my Membership Rewards Program from XXXX XXXX. I applied XXXX XXXX XXXX card last XXXX and keep doing normal spending on it. When applying the card it shows spend {$3000.00} and receive XXXX Membership Rewards points. I spent {$2800.00} on my XXXX. Statement and {$4900.00} on my XXXX. Statement which was far exceeded {$3000.00} spend requirement. So when I trying to transfer XXXX points from my Membership Rewards account ( Which I have XXXX Reward points in my account ) to my XXXX account it noticed me I ca n't do that because my spending is under their review to make sure all my spending are eligible. I definitely ca n't accept that so I contacted them via online chat, email and phone but they ca n't provide a workable solution. Since I need the points ASAP I have to file a complaint here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX XXXX was hired less than 3mos ago for 9mos stretch.some items removed ... other inconsistently across all three major bureaus.THis is a fcra violation. 

recently I have sent all 3 demand for dispute multiple times. Certified mail, uncertified mail, email, FAX ... etc. I am lied to my face about if certified mail has been sent with the hard card and USPS mailing card in my hands. 

My files remain uncorrected. creditor contacted take sweet time in getting back to me beyond 30 day limit and then begin to make claim that debts are accurate after extorting me for over 12 mos. This said, XXXX XXXX was on retainer last year for around 9mos until I discovered they were scamming me. debt collections should have ceased, irregardless if anything was filed w the courthouse. If I must, I will hire another attorney to do it again and I will pay cash. The problem is the bureaus repeated refusal and noncompliance. They make claims yet are unsupported by evidence NOT sent to me, and supported by the FCRA itself which nobody at any bureau has bothered to read. I have skimmed the entire document in full looking for violations and found over 10 per credit bureau over the past 10  years. accounts I demanded removed ( 2007 ) repeatedly mo after mo I am sent and they are still there. accounts are " confirmed '' w no evidence as to HOW sent to me. 

I am repeatedly asked for my blood type each ( week now ) time I dispute anything w anyone and then the reply is DENIED, INCOMPLETE, YOU ARENT YOU and YOU DONT LIVE THERE..or my files are changed behind my back wo my permission.I have had unlawful freezes multiple times in the past I did not authorize. bureaus are now refusing to freeze my files. my online access has been denied and locked up " in investigations '' that take years to unlock. 

FINAL NOTICE BEFORE SUMMONS of ENTIRE COMPANIES before XXXX COUNTY JUDGE for non-compliance. I HAVE INCHES OF PAPERWORK -- I had years worth in XXXX XXXX that got stolen.I had loads more last year. Law firms such as listed online refuse my case even though I have one against the bureau and then run thier mouth at me for reasserting my valid claim.

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 05/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I received a statement from Visa with a closing date of XXXX, balance showing was a credit of XXXX. I thought a vendor was going to mail me a check for a refund but they credited my Visa account. On XXXX I paid Visa my statement balance and I realized I was going to have a problem with a credit balance if they received the XXXX. They told me they had not received it. I have called numerous times for my refund and the best I am told is that I will get it but no time frame as to when. The reason is, " the amount is too large ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX and XXXX Collection agency have filed false and inaccurate information about an alleged collection account on my credit report. 

I closed my account with XXXX in XXXX, having always paid my account in full, purchased my devices outright and having no further obligations or being subject to any Early Termination Fees ( ETFs ). When I requested that XXXX port my numbers to my new carrier, they initially refused to do so and claimed I owed ETFs. 

After scores of hours of phone calls, emails and faxing a copy of my contract to XXXX 's customer service and managers -- all over a several week period ; I finally filed complaints with WA State AG, FTC and BBB. Within days of my complaints, XXXX wrote to apologize for their " error '' and confirmed that I owed them nothing. They allowed the porting of our numbers to our new carrier, as required by law. 

I thought that was the end of it, until last week when I requested a copy of my credit report following the security breach at Equifax. It appears XXXX sold the non-existent debt to XXXX Debt Collectors, which then took the liberty of changing the date of last activity on the account from XXXX to XXXX. I believe XXXX has intentionally and knowingly filed a false and inaccurate report on my credit files ; the only negative item on an otherwise stellar credit report. 

Not only do they ( and XXXX ) know this is a non-existent debt, they have changed the date to XXXX in order to make it appear like a recent activity and have the maximum derogatory impact on my credit report ( which has typically been above XXXX as I am meticulous about paying all my bill on time ). This is not only damaging and infuriating, it has taken a substantial amount of my time and I am particularly disappointed in XXXX ( XXXX appears to be a bottom-feeder collection agency, so the expectations are substantially lower ).

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Mortgage (Conventional home mortgage) with Paramount GR Holdings, LLC (CO).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I spoke with XXXX XXXX XXXX XXXX He berated me over the telephone requiring me to send him personal information to prove that I pay for my own car payment and that my family is not receiving outside assistance to pay the monthly payment on my vehicle loan. He demanded much more private and personal information such as my ssn and my bank account number and home address and such. This loan is for my parents and yet I am receiving phone calls over and over and harassing emails from this individual about sending him the correct information including my social security number that I refuse to give.

Company public response: Company believes the complaint is the result of a misunderstanding
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 Experian Information Solutions Inc. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the XXXX credit information hack. I find it unacceptable that I have to pay to freeze my credit when I did not consent to my financial information being stored by XXXX, XXXX, or XXXX in the first place. Credit freezes and unfreezes should be made free. 

Thank you for taking the time to read my complaint.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My complaint is against Transunion and XXXX. They have not removed the collection of XXXX XXXX XXXX off my credit report, when I have already filed a complaint against XXXX XXXX XXXX and the have reported twice that they have have the 2 credit bureaus to remove this from my credit report. Screenshots of the company response is attached.

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 06-08-2016 about Debt collection (Mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: We have learned that JPMC acquired the banks but it was not a " Merger '' so therefore this was not a Financial Qualified Contract. When WAMU collapsed, JPMorgan Chase became the servicer. When we made queries about the new owner, JPMorgan Chase claimed that they purchased the loan however they did not provide verification. They sued us and said they sold the mortgage to XXXX XXXX, who we found out was another debt collector. We wrote to them to verify some information and the collusion and fraudulent documents continued. XXXX then flipped it to another subsidiary of their company. When we called the FDIC and the XXXX, they XXXX referred us to CFPB because this is all debt collection. Additionally, we learned that Washington Mutual Bank XXXX ceased to exist XXXX XXXX, 2005 however our mortgage was made in XXXX 2005. Our daughter worked for WAMU and Chase and she continued to make these mortgages and no one ever told her that the company was no longer in existence. Please see our attached report

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (Credit card) with R.A.Rogers, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This collection agency knowingly reports incorrect the " Date of 1st Delinquency '' of an account that the collector acquired. 
The original creditor was XXXX XXXX. According to the original creditor the " Date of 1st Delinquency '' was XX/XX/XXXX. Therefore the account is not supposed to be on my credit report any longer. 
The original creditor does n't report this account due to age to any of the credit reporting agencies ( CRAs ). 
This collector in fact RE-AGED the account. 
I have disputed the information pertaining to this collection account with all XXXX CRAs. I have disputed " Date of 1st Delinquency ''. Only XXXX " verified '' the information pertaining to this collection account. Other XXXX CRAs promptly removed this account. 
I have multiple full credit reports ( in electronic format ) from all XXXX CRAs that I received between XX/XX/XXXX and XX/XX/XXXX. These reports conveniently show all information pertaining to this XXXX XXXX account. Reports say : " This account is scheduled to continue on record until XX/XX/XXXX '', " Date of 1st Delinquency XX/XX/XXXX '', " Estimated month and year that this item will be removed:XX/XX/XXXX ''. 
" Payment history '' on the reports clearly shows that the account was 30 days past due as of XX/XX/XXXX. 
Again, I have disputed with the CRAs but the collector " verified '' to XXXX. This collection agency knowingly reports false information, which violates FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a received a note of sale on our property. I sent out a written request to our servicer Bank of America on XXXX XXXX, 2016. During the course of XXXX/XXXX/16 to XXXX we have been in contact with B of A and they allowed us to complete an application in order to move forward with a possible modification. Their was a request for the sale to post-pone on XXXX but it has not gone forward due to the under writer review. I am still waiting for the response of the written request sent out regarding incorrect timeline. I was told by the legal department that is what they should be reviewing. Need your help with this matter.

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 07/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Fay Servicing, LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been in Chapter XXXX twice in order to save my house. I 'm at a loss of what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I reached o ut to Barclay 's  Bank fo r my Barclay Arrival Card at  (  XXXX  )  XXXX  on  XXXX   XXXX ,    2017  at  XXXX   XXXX  to inquire about  two  times my interest rate increased an d one ti me it was decreased on my variable APR. The reason I was aware of this is because a third-party application called  XXXX  notifies me when such changes occur. Upon speaking with the representative I informed them that my interest rate was increased in  XXXX  and  XXXX  this year, yet I had not received a formal notice in regards  to this. The one t ime it was decreased,  XXXX  I believe, I had requested it and a formal letter was sent to my address on file. I was perplexed as to why I would not receive a letter or e-mail besides my normal statement to indicate when my rate would increase. After much back and forth I spoke with a supervisor that informed me that interest rate increases were due to the recent hike s by the FOMC in each month. This statement made it much clearer to me why I received the two interest rate increases. However, there was no formal communication of this from Barclay card. The response I   received from the supervisor was " Do you expect us to notify all of our millions of customers? '' At first I was taken aback and somewhat agreed. After having thought abut it though I am sure there are some guidelines that may have been provided under the Dodd-Frank Act or that are required by the CFPB. Please clarify what they are if any. 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 03/17/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I had a short loan from Green Tree XXXX now Ditech Financials. I was getting monthly statement from them since XX/XX/XXXX till XX/XX/XXXX that stated that I do n't owe them any money ( Principal or Interest ) to them till XX/XX/XXXX as I overpaid in XX/XX/XXXX. I can send proof of Statements. Statement says no Principal & No Interest till XX/XX/XXXX. 
In XX/XX/XXXX as I was going to be charged Interest again I paid out $ XXXX balance and was waiting for their closing statement, when they told me I still owe them {$4200.00} as I had not paid any principal in last two years. My loan was interest only loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Mullooly Jeffrey Rooney & Flynn (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: My employer received a fake subpoena from Mullooly, Jeffrey, Rooney, & Flynn XXXX issued supposedly by the XXXX New York XXXX XXXX XXXX, disclosing my personal information, the creditor 's name and amount that is owed to the creditor. I do not find it fair that this notification came to my place of work. Many things could have happened like losing my job and embarrassment with my co-workers when they find out of this fake subpoena.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been working very hard to repair my credit with all XXXX agencies for two years! I have called, written, disputed and have completed everything all XXXX agencies have asked. I contacted XXXX XXXX and decided not to use their services as I have been following the exact practices myself. I have opened new accounts and all are paid as agreed. I have had derogatory items removed from all three reports. I currently only have XXXX derogatory accounts on my report, and XXXX are medical, with a total balance of under {$2500.00}. 
I have been watching my scores using the Annual Credit Report, XXXX, XXXX XXXX, XXXX XXXX and XXXX Credit through XXXX XXXX. 
After all of this, my score has increased only XXXX points! It hovers around XXXX and will change up to XXXX points per month without any additional credit activity. I feel all XXXX agencies are not giving me the attention deserved and are preventing me from purchasing a home and acquiring credit. 
I have reached my boiling as Every time I complete a task they require to raise my score, another issue seems to appear to prevent the increase. 
Any help will be much appreciated. 
Thank You. 

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 10-02-2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (FL).
Issue: Fraud or scam

Complaint: I am very frustrated in trying to get this problem resolved. XXXX ( division of PayPal? ) and XXXX XXXX are involved and have been no help and I need answers quickly. This problem involves a large fraudulent withdrawal from my XXXX XXXX account by/thru XXXX. There was an unauthorized withdrawal of {$2900.00} from my business account on XXXX/XXXX/2015. The company that took/transferred the money is XXXX. I even know where the money went and am being told by XXXX XXXX, that there is nothing they can do. XXXX XXXX went as far as to tell me that since I reported it beyond the 24 hour threshold, I forfeited my chance to dispute it. XXXX does not accept phone calls and will only communicate via emails. I want to be clear, I never had a XXXX account, I never purchased anything anywhere near this amount that I an trying to return. This is theft! Please help me.

Company response to consumer: Closed with explanation