milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian is reporting the wrong address on my credit report. It is being reported that I live in XXXX, Maryland and this is not true. I have sent copies of my Driver 's License to Experian over the past couple of months and they still have not updated my credit record. I need Experian to report the correct address on my credit report. My correct address is : XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX. I am including a copy of my driver 's license as an attachment so Experian can process my request. I have sent this multiple times so I do n't understand why this has not been fixed.

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 01/23/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: You are showing my account with XXXX in collections this is not the case the house has been sold. 

See sale docs and the letter from XXXX that satisfied the loan in it 's entirely. PER YOUR LETTER!!! 

I am failing a complaint with the CFBP because I have asked that this be corrected more than ten times and I have been ignored. 

The loan should be displayed as paid as agreed per contract and the release send to me per your letter!!!!!!! 
Equifax has not deleted my bankruptcy per the court Oder per the settlement for the state of VA and Equifax. They have ignored my letters. 


Consent to publish the description of what happened? Consent provided

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX Bank filed a foreclosure after they said that they did not get our payments. In XX/XX/XXXX XXXX payments were made with cash at customer service in XXXX in XXXX they said the payments were received. I was given receipts for the transaction but the payments were never credited to my account. I contacted XXXX Bank and was told they never got the payments and they needed the receipts. The receipts were sent and nothing was ever done but a foreclosure process was started. I mad another payment on XX/XX/2018 at XXXX same location through XXXX the cashier said they received it but it was never received by XXXX Bank. I started calling the bank and was told nothing could be done until I got the information back from the Research department. I was not waiting any longer and demanded to speak to a supervisor after calling my representative XXXX XXXX. The date was XX/XX/2018 this had gone on far too long and my credit was ruined and my house is in foreclosure.

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 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Financial Business and Consumer Solutions. (UT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX agreed to close my account back in 2015 at an old address with an ex-spouse 2 years later, unbeknownst to me it appeared on my XXXX  credit report and is hurting my credit score and  report. I have not spoken with this collection company nor have they attempted to contact me in any way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MD).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Transworld Systems Inc shared with the Credit reporting agencies that I had an unpaid medical debt shortly after receiving the collection request from XXXX XXXX instead of waiting 6 months as outlined in the Fair Credit Reporting Act.. As this bill resulted from an auto accident, there were many Insurance companies involved ( XXXX auto and XXXX medical ). This bill was paid within the XXXX months, and as I understand the Fair Credit Reporting Act, the bill should not have been reported to the Credit Reporting agencies. 

Once the bill was paid ( within 6 months ), the company simply reported that the bill was paid and there is a zero ( XXXX ) balance, but will not remove the " collection '' from credit reports. 

When contacted to have this collection removed they stated that it is there policy to report all delinquencies as soon as they come in, and not to wait the XXXX months. And once reported, they will not remove them even though it seems to be at odds with the Fair Credit Reporting Act. 

Upon contacting Equifax this error, they will not remove the entry unless Transworld Systems authorizes the removal, which they will not remove.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Contact equifax regarding my credit the ask me XXXX question and XXXX of them was what credit card I and how much you owe on it that something a individual remember off the top of they head. Please investigate the Equifax on all products and services and ensure they are working to United States Federal Regulations

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: A month ago I contacted the institution and inquired about a rate reduction on my credit cards, in light of recent financial hardships. Upon which, I was informed by   USAA agents that the only way they could do a rate reduction was if the account was in the rears and deficient. Following the deficiency, your company would then close the credit cards and afford a reduced interest, in order to pay off the balance.
Three   weeks following that conversation, I contacted customer service again, and in fact was late on my payments that were due. The agent then acknowledged the previous conversation, and proceeded to close my two  XXXX   XXXX  cards with USAA, and then informed that she would be transferring me to another agent to adjust the interest rate so the card could be paid off. Upon transfer, the next agent claimed to have no knowledge of any interest rate reduction policy, and refused to help.     The fact that the subagent advised, that in order to receive a reduced interest rate, I would have to first be delinquent on my account, is the first issue. The second issue is that in light of the closures, my credit worthiness has been affected adversely and also created a legal detriment to my financial standing.     As a result of the subagents advice and actions, the company has violated various federal statutes, to include the FDCPA, and  UDAAP, of which provide fines and penalties against the offender, and provide support of compensatory or punitive damages ( or both )  to an affected party, as a result of the wrongful acts of the banking institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I have been receiving excessive mail for two different people at the address I 've lived at for several years now, from Bank of America. I 've sent them back unopened, " Return to Sender and eventually " Cease and Desist '', which temporarily resolved the issue but now I have begun receiving credit card offers for these people again today. I finally opened one of them and spent 21 minutes on the phone today trying to resolve it and eventually hung up. I am beyond frustrated in exhausting my efforts and throwing away mail for them as well. They 've ignored my Cease and Desist requests and are now harassing me again and they make it impossible to reach anyone on the phone. I have no business with them and do not receive offers for myself. XXXX XXXX XXXX nor XXXX XXXX do not live at my address and I want the mail to cease 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 11-04-2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I began attending XXXX at XXXX and began signing loan documents while I was still in high school. I have accumulated 16 loans to both private institutions and the federal government totaling over {$50000.00}. I have an AA degree in Criminal Justice which has not been accepted for transfer to any four year institution at which I have applied. Numerous law enforcement agencies have also rejected the authenticity of my degree. Therefore I am stuck with a degree I ca n't use and {$50000.00} of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (Credit card debt) with Lustig, Glaser & Wilson, P.C. (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I receive d a Summons letter earlier this month from office of Lustig & Glazier sta ted that I failed to appear in court   XX/XX/XXXX  a nd a judgment was made against me in  XXXX  in regards to a  XXXX  credit card from maybe  XXXX . I emailed their offices questioning what the documents was about because I was never notified on the actual hearing date! Even worse it 's  10 year old an d they are chasing me for this! I probably had this type of card but thought the account was charged off or something? Sorry not sure what came of this card, I will own that I could have had a balance but NOT {$3000.00}. This office stated that the amount before this " judgement " against me, {$1800.00} was being basically taxed every month since  XXXX !? Which explains why it sits at {$3000.00}? Anyway I called this office today  XXXX  # and requested a payment plan because I ca n't afford to take time off and or extra court costs. I need to know if this is legitimate? This whole thing has thrown me for a loop because it 's been 10 years and the lustig office wo n't give me anything other than the summons letter to explain why after this long I 'm being charged to pay this drastic amount. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do n't know what this debt is-I 'm pulling the information off my credit report. I called the collection company and they have my information. But it 's for medical debts in texas, I have n't lived in Texas for over 10 years. I contacted my health insurance company and they have no recorded of any request for payment for hospital or doctor offices in Texas. What I did find out, is the debts are over 6 years old so they do n't have much of a record. But these debts keep sitting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I repeatedly asked for my options on income based repayment options while I was unemployed and again when I was underemployed but none of the options would make my payments low enough to not take up half or more of my monthly income. The only option I could afford was to sign up for forbearance. I asked about consolidation of my loans and could never get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: trans union reporting late pymts, i

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 03-10-2018 about Debt collection (I do not know) with Monterey Financial Services LLC (OK).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Never receieved a validation notice/statement of paid on the account. False representation, ask the company to stop calling on XX/XX/2018 they kept calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Someone tried to open at XXXX XXXX XXXX, on XXXX/XXXX/XX/XX/2015, the next day XXXX sent me notice that on inquiry was made at equifax. I contact the following XXXX, XXXX XXXX XXXX and was told to file a dispute with equifax. I did so on XXXX/XXXX/XX/XX/2015, they replied on XXXX/XXXXXX/XX/2015. Stateing that " & gt ; & gt ; & gt ; We have reviewed the inquiry information for XXXX XXXX XXXX. The results are : Inquiries are a factualrecord of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questionsabout this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX ''. As stated before I have already contacted them and was told to contact them. 
I want the unauthorized request removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased my property through a sheriff sale on XXXX XXXX, 2015 in XXXX XXXX, CA. Cashier 's check was provided to the sheriff 's office for all the outstanding liens and obligations. The sheriff recorded and transferred the property to me on XXXX XXXX, 2015. Around XXXX XXXX, 2015, I received a notice of default from Ocwen Loan Servicing , LLC . The notice informed me of Ocwen 's intention to proceed with the foreclosure of the property. It took 2 months of me trying to establish communication with Ocwen and {$35000.00} in legal fees to finally realize the basis for their claim. Ocwen argued that they had not received payments. The original loan amount paid off by the sheriff 's office to Ocwen was {$250000.00}. Ocwen was now demanding and additional {$44000.00} to stop the foreclosure. Upon subpoena of sheriff 's record, it was found that the payment for the exact amount of loan was mailed out to the address provided by Ocwen promptly after the completion of the sale. Ocwen refused cooperation and the investigation into what happened with the check. Furthermore, Ocwen tried to quash the subpoena for their internal records to clarify the mystery of the lost check. In a court appearance on XXXX XXXX, 2015, the judge 's interim decision was that Ocwen needed to stop the foreclosure proceeding, fill out and sign under oath, a statement indicating that they had not received the check. This statement needed to be forwarded to the sheriff 's office before another check could be reissued. Ocwen did not forward the signed letter to sheriff 's office until XXXX XXXX, 2015. After 6 months of deliberate delays by Ocwen, now that they have the reissued check, they are asking us to pay an additional {$13000.00}. or face foreclosure. The attorney for Ocwen knows that challenging their outrageous demand, will cost the consumer much more in legal fees. Therefore, the helpless consumer will most probably choose to pay the unjust fees than to go through a costly legal battle and/or face foreclosure. Ocwen has created a cloud on my title. Ocwen 's lack of cooperation, excessive and deliberate delays, as well as their reluctance to resolve this matter is due to their policy of adding up costs and fees for the consumer. They do not conduct their business in an ethical and honest manner.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Dear sirs, I had a XXXX one and half years ago and could not work my job for over six months. My wife and I have a company at XXXX XXXX that made a great living for us especially with the XXXX who were the most popular buyers until their dollar devalued and visits diminished. Our business is seasonal and when heated summer months arrived we lost income and things started to go downward. I tried the loan modification system with Wells Fargo but they constantly asked for fax duplicates for the loan for a period of over 4 to 5 months but in the end they said I did not meet proper qualifications and did not produce documents requested in a timely manor.

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 card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I 'm writing today regarding capital One who is n't removing me from an joint account and causing my credit score To look Bad because the perosn ca n't pay there bills and so capital one is reporting I ca n't pay the bill When I 'm not the main account Holder and I have n't even spend any money from this account which belong To My mom So I have asked them to Remove me months ago because my Credit had gotten good and i was n't In need of any help so when I called XXXX my self they told me that they ca n't and I told them Why and they claimed that they Needed my Mom to identify her self to Them because her accounts were locked and so i said ok she told me she sent the email long time Ago and you guys did n't get back to her with anything after which to that they stated they still Messed one more paper. So now after sending the papers in her account Is Still locked and she ca n't use it and I ca n't even remove My self which is bogus and making False claims on my credit report so I Need them To remove Me now this is n't fair and this is n't how capital one should react when I told them to remove it and they refusing too and causing more problems For me for no apparent reason I 'm not asking To use the money ima sling To be removed and there refusing even after they have all the information for my mom.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit card () with CITIBANK, N.A. (FL).
Issue: Rewards

Complaint: I opened a credit card XXXX years ago with CITI. They promised to give me AA rewards for every dollar I spent. About a month ago I got a letter from XXXX that they are shutting down my rewards account and taking away all my rewards claiming that I violated the terms of their program. I had over $ XXXX rewards worth {$4200.00}. 
I could have used a cashback card or any other rewards card to receive rewards/cash on my purchases. I continue to use the CITI business card for our business and we are losing money we could have received every month

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 01/16/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Billing disputes

Complaint: Capital One Disputes XXXX Disputes and Transaction Rebills XXXX XXXX Last XXXX Account # : XXXX Last XXXX Social : XXXX Listed below are XXXX transactions which I have disputed, all of which I have contacted and given you a detailed explanation of the reasons, which at the time your agent process a credit to my account. Since then, you have contacted the merchant claiming they have provided proof the charge is valid - which is absurd, when all they have sent you is a copy of the charge document - they do have a document with my name on - call transcripts - any type of written, signed affidavits, or any type of legal document. 
It 's amazing to mean that we, your customer believe your " {$0.00} Liability Protection '' yet when we call with a dispute, we are required to provide written, legal, signed documents, almost provide our blood type and swear on a XXXX before you will actually remove this charge from our accounts - yet the Merchant can send in XXXX screen shots, most of which you ca n't read and you are so ready to make a TRANSACTION REBILL and make us jump through hoops to get you to believe what we have told you. 
I believe your marketing should be towards the merchant - " ZERO CHARGEBACKS, NONE OF OUR CUSTOMERS HAVE THE TIME OR ENERGY TO FOLLOW THROUGH! '' I WANT THESE CHARGES REMOVED FROM MY ACCOUNT - YOU HAVE THE REASONS AND MY CALL IS MUCH MORE VALUABLE THAN A SCREEN SHOT FROM ANY MERCHANT. 
I WILL EXPECT A CREDIT TO MY ACCOUNT IN THE AMOUNT OF {$330.00} WITHIN 5 BUSINESS DAYS. Listed below is a detailed account of each dispute with your Transaction Rebills listed below each one. 
# Date Merchant Amount XXXX. XXXX/XXXX/XXXX XXXX {$74.00} XXXX/XXXX/XXXX Transaction Rebill {$74.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX. XXXX/XXXX/XXXX XXXX {$120.00} XXXX/XXXX/XXXX Transaction Rebill {$120.00} XXXX/XXXX/XXXX XXXX. XXXX/XXXX/XXXX XXXX XXXX {$54.00} XXXX/XXXX/XXXX Transaction Rebill {$54.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX. XXXX/XXXX/XXXX XXXX XXXX XXXX {$83.00} XXXX/XXXX/XXXX Transaction Rebill {$55.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX Please feel free to contact me at XXXX or XXXX if there is any discussion you need to have with me. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation