milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
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 XX/XX/2016 ( as well as many other dates before & after ) I received a reply from Experian regarding the dispute of inaccurate and unverifiable information contained in the public records section of my credit report. Experian says the information is verified as accurate. But as you can see ... Experian does not provide very detailed investigation results. It 's laughable! 

The Fair Credit Reporting Act ( FCRA ) states that ONLY 100 % accurate, 100 % complete and 100 % verifiable information can be reported. 

However, Experian have continued to violate the Fair Credit Reporting Act by reporting inaccurate and unverifiable information in my credit report ... as well as also neglecting to show that the contested information is " currently being investigated '' or as " consumer disputes ''. And this is a very important right that they have blatantly violated EVERY TIME that I 've disputed this information, because they never make that notation & also continue scoring this inaccurate information against me while it 's being investigated ( which is a laughable fraud in and of itself ). Experian thumbs its nose at federal laws! 
Additionally, Experian has NEVER verified the public records information DIRECTLY with the US Bankruptcy Court. If they had, they would 've discovered that much of what they 're reporting is inaccurate and incomplete. 

I have a right to ONLY have this information verified DIRECTLY with the original creditor ... which is the US Bankruptcy Court.

I have also attached a letter from the US Bankruptcy Clerk that states that THEY THINK that credit agencies get their information from a 3rd party service such as PACER or other agencies like XXXX. 

This is not reliable, and is prone to errors. 

Experian has only been relying on the verification of this data from XXXX, which is a DIRECT CONFLICT ... as XXXX sells consumer information to Experian. 

I am demanding that Experian be reprimanded by the CFPB for their continual violations of the Fair Credit Reporting Act & for falsely claiming to have investigated and verified the accuracy of the misreported information directly with the US Bankruptcy Court.

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 10-06-2017 about Debt collection (Auto debt) with Westlake Services, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX 2015 the account assigned and handled by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acting on behalf of the creditor Westlake Financial Services was paid in full as per the Paid in Full Notification attached. 

This account should be dismissed by all of the ( 3 ) credit bureaus as " paid in full ''. 

Please take steps to delete this entry from my account or amend it accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX XXXX XXXX reported the balance incorrect on my credit card which is causing a negative score against me. Please have XXXX XXXX XXXX XXXX XXXX correct the 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 explanation
Consumer complaint received 07/20/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have discovered that Equifax is reporting incorrect and incomplete data ona mortgage account that I sold in 2012. XXXX XXXX XXXX, XXXX. Mortgage is reporting my current status as " Pays 61-90 days. '' They do show the " activity designator '' as Paid and Closed. However, the current status is certainly not " Pays 61-90 days. '' This should be reported as " Closed, as I can not currently be late on a mortgage that I paid in full I. XXXX 2012. According to their own 81 month payment history on my credit report, there is not a single instance where my payment was more than 30 days late. Equifax ( or XXXX XXXX XXXX ) has also omitted all on-time payments in the 81 month historical payment history, except for XXXX. They have only included instances where I was 30 days late. Every other month ( but for XXXX ) shows " NR. '' This is clearly not correct. If an 81 month payment history is included in a credit report, it should be recorded in its entirety, or not at all. Please find attached copy of my mortgage with XXXX XXXX XXXX, as reported by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had just received my credit update today, and my credit scores have dropped, and it 's because of this debt that I do n't owe. I 'm so furious.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-08-2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Account opening, closing, or management

Complaint: Capital One is changing my bank account without my permission. They are changing it so that I no longer receive rewards. I used this bank for everything, and now I have to go through the hassle of moving all my money elsewhere. This is not acceptable. They should not be able to just force you to change. I agreed to this account, not to some other account. They should have to pay me for the time it takes me to move to a new bank because of their horrendous customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I co-signed for my niece to take out a student loan. The original amount was {$22000.00}, that was nearly XXXX years ago. The loan amount I 'm being told is now due is {$29000.00} XXXX unpaid principle ). Ive been paying {$100.00}, per month for XXXX years. Ive been trying to understand why my niece was being charged accrued interest during the entire time that we understood that her hardship grace period was in effect. The company 's representatives have not been able to explain in any wat that I can understand their accounting practices. 

My niece is still in school. She is not able to make any payments. 

From XXXX XXXX thru XXXX XXXX she was supposedly on a " rate reduction hardship ''. I was still making those payments throughout that time

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MT).
Issue: Customer service / Customer relations

Complaint: I have been a good customer of Capital One credit cards for four years. I also bought and paid for XXXX cars through Capital One bank. I have never once been so much as late on one payment. Recently, they asked me to switch to a new credit card called the Quicksilver. I switched, and the day I activated the new card they froze it and stated that they had concerns with my identity. I verified my account to them and they still would not tell me what they wanted. When I called customer service, they indicated that they would be sending me an email that explained things but would not tell me again what the problem was. I asked for a supervisor, they gave me one, who again would not tell me what the issue was or what the problem was. Again zero resolution and the service agent just kept talking over the top of me and telling me " what Capital One was going to do. '' So I said I wanted another supervisor, and he told me I would have to have one call me back in 72 hours, so I told him I wanted a supervisor and I would wait for one. This bank offers its customers the worst treatment of all time. They treated me like a criminal. What is worse is they indicated that although they have concerns about who I am they will still send me a bill, which I can then pay out of my bank account. So I told him I wanted to pay off the card, bring it to a XXXX balance, and then keep it open but never use it again. They said they would not process the charges. At this point I need your agency 's help to resolve this issue and no longer desire to speak to Capital One without your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2017 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have send experian 3 written request regarding XXXX account XXXX and this unverified account still remains on my report. I informed them in writing several times that this account is not mine and that it maybe belong to my aunt in whom share the exact same name as i and in which that I lived with years ago before she passed. I called experian after constant failure to provide physical proof of verification all they send is a paper that say verified but nothing that say how they verified so I demanded that information or the name and id number of the rep that claim to have verified this information so that I am able to present it before the judge in case I have to proceed to litigation regarding this matter. I have carefully been saving my tracking numbers and certified signed documents by experian to show that they received each letter that I send them and they have not removed this unverified account from off my report. I called experian and spoke with am employee id number XXXX in which he called XXXX card on three way and we spoke with a XXXX id XXXX in which she stated that she ca n't provide experian any information without the account holders statement saying it was ok to do so. So after that I stated to experian that if that 's the case they are providing false info and no way possible could they have verified this unknown account to be mine i asked that they remove it and the guy hung up on 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 explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My person financial information was improperly handled by Equifax. Very sensitive and crucial information may have been stolen. And may currently be, or in future, be abused by those who stole my information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Debt collection (Credit card debt) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: I had opened a new account  with Navy Federal Creidt Union a fter it had closed out. I knew I owed money so I asked the teller if I had to pay anything additional and I did. The amount was {$200.00} for an overdraft fee so I had paid for it. I also owed money for my car loan which was about the same {$300.00}. I paid for that also. After paying he said I 'm in good standing with the bank and there would n't be any issues going forward. So then I proceeded to put {$1500.00} in to my new accou nt. Two days lat er I was looking to pay for something and I noticed all of my funds was gone. I noticed this happened on  XXXX / XXXX /  XXXX  . They never gave me a warning and I never gave them the ok to take money out my account or have I signed any information saying that I ever will allow automatic transfers when I started the new account. I also never signed any paperwork starting this new account. This debit collector just took money without any of my acknowledgement and put me back on a few bills because of it even after me attempting to receive a portion of the money back to still put down on the amount that was lost. I talked to the head of the person that took the amount and they were extremely rude. She did n't care that I needed the money for my son and for rent. She literally told me that it did n't concern her and she have other people calling with more important issues then the one I 'm having then she hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Mortgage (Conventional home mortgage) with ROYAL UNITED MORTGAGE LLC (IN).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I paid {$450.00} on  XXXX   XXXX ,   XXXX   for a home appraisal throug h Royal  Mortg age   XXXX   XXXX   XXXX   Loan Advisor  NMLS #  XXXX   XXXX  XXXX  XXXX   Office  : (  XXXX  )  XXXX  | Fax : (  XXXX  )  XXXX  Royal United Mortgage LLC. NMLS #  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , IN  XXXX  ) that was to be conducted on  XXXX   XXXX ,   XXXX   by VALUTRUST APPRAISALS  XXXX   XXXX , KS  XXXX  it was stated in the  inspection report that an attic was not present in the home, that is not true as there is a stairway to the attic, but was never asked if there was one and the appraiser took a picture in the room that the pull down stairway is present. I have had several other mortgages without any issues the appraiser was at the home for less than 10 minutes when I was   present.

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 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XX/XX/XXXX I contacted TransUnion and spoke with US representative, XXXX, to resolve unauthorized inquiries showing on my credit report. I 've recently checked my credit report and noticed many inquiries that were removed during a breach in XX/XX/XXXX and XX/XX/XXXX reinserted. I DID NOT receive a written 5 day notice informing me about the breach or TransUnion reinserting the inquiries. This is a violation of the FCRA. TransUnion can not continue to violate my rights.

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 10/24/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Account opening, closing, or management

Complaint: XXXX. My XXXX has XXXX accounts with Regions bank ( checking, debit card, savings ). This complaint is regarding the checking account. Utilizing the online banking interface, each transaction was categorized ( with several custom categories ) and had a memo field inserted to designate the exact purpose of the transaction, which provided the basis for monthly financial statements, budgeting, and tax filings. Regions recently upgraded their online system and stripped all customer entered data, which resulted in the loss of all categorization and memo fields. Current and historical data has been reduced to only the date and amount, all customer entered data has been lost.

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 03/29/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have submitted several disputes to Experian for over 6 months now ; disputing the inaccurate, misleading, and unverifiable information listed on my credit report from multiple creditors. I have asked Experian on multiple accounts to remove any and all addresses, as well as personal information that does not belong to me, nor that I have ever lived at, and Experian will not acknowledge my request. Experian has continuously sent me a response to every dispute I send them, almost immediately refusing to thoroughly investigate the accounts because I have " previously '' disputed the accounts and they came back verified. My initial dispute was submitted in XX/XX/2015. I have sent a dispute every month since then, re-disputing the accounts with more information, or with a different reason as to why these accounts should be removed immediately. I have also requested method of verification, as well as proof of verification, and they have completely disregarded my request and thrown out my investigations entirely. I do not know where to begin in regards to having this matter resolved as I am constantly having to face an uphill battle with a company who is proving they are not abiding by the law and completing a full and thorough investigation. I am requesting that you please look into this matter and have Experian complete a full and thorough investigation of the accounts listed in the attached letter. I have sent them certified/registered mail with return receipt every month, and I know they have received my disputes because they reply back with the letter indicating the dispute will be disregarded to being previously investigated. Which I am aware of, but I am giving a completely different dispute reason every time. Please assist. I thank you for your time and help on this matter. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 non-monetary relief
Consumer complaint received 03-11-2016 about Consumer Loan (Installment loan) with MARINER FINANCE, LLC (VA).
Issue: Managing the loan or lease

Complaint: Mariner Finance continues to report that I have a delinquent/past due balance with them. I am no longer legally required to pay Mariner Finance anything nor do I have a past due balance. I have disputed this on seven occasions with the credit bureau and have contacted Mariner Finance directly. I have yet to receive a response from Mariner Finance.

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 06/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (MO).
Issue: Application, originator, mortgage broker

Complaint: I am a current client of CITIMORTGAGE CO. and I have been trying to refinance my mortgage with them since XXXX 2016. It is now XXXX XXXX of 2016. I am trying to go from a 7 year arm into a 15 year fixed Loan. I have been with CITI for over 10 years and I have NEVER missed a payment. I have an excellent credit score also. Around XXXX. They keep telling me my amount needed close is going up and I need to verify funds. I have done this once already and now they are needing to verify funds AGAIN. It takes them days to get back to me and never follow through with showing me in writing what the figures are. My rate was quoted 3.25 % and current rates are XXXX and my locked rate has since expired. I was told that this would be very easy to do, since I am staying with them and that the cost would not be very much. I went from them needing {$1100.00} to over XXXX? And it is still not being completed. I have never had to experience so much stress and frustration in my life.

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 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX equifax refuse to remove these fraudulent trade lines from My credit report equifax refuses to remove both XXXX account for {$410.00} and {$420.00} also XXXX refuses to remove these 2 new accounts XXXX XXXX and XXXX XXXX as well and also equifax refuses to remove XXXX and XXXX XXXX I have a police report they will not remove it and fcra by law states you must remove these fraudlant accounts within 4 days

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: On XX/XX/XXXX, I requested a balance transfer on my Capital One Venture One credit card account. Before doing so, I confirmed with an associate via Capital One chat that the interest rate would be 0 % specifically on the balance transfer for the 12 month promotional period. On XX/XX/XXXX my account was charged {$110.00} in interest charges. After speaking with multiple Capital One representatives, I am being told the promotion was only for purchases and they are refusing to provide a transcript of the chat. Either the promotion changed or this information was miscommunicated and Capital One will not fix the issue. I feel this practice was deceptive and predatory resulting in a high interest rate that I can not afford on the transferred balance. I have previously written in to the general correspondence XXXX XXXX with no response to my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/13/2016 about Credit card () with BARCLAYS BANK DELAWARE (NC).
Issue: Payoff process

Complaint: Every time I make a payment over {$240.00} on my XXXX XXXX Barclay 's business card it is credited to my account by not available for up to 2 week. It looks like Barclay 's is punishing customers who pay down their cards for doing so. 
They are able to release the payment every-time after a phone call that consists of having to type in my card number my zip code then listen to 2 minuets of recorded balance information util I can then push XXXX more codes and finally get to a representative to have to give them my date of birth and last XXXX of my SS #.

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