milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Transunion, XXXX and XXXX has not corrected my Credit File to reflex what is actually been paid in full.

XXXX XXXX and XXXX XXXX XXXX should show a XXXX Balanced Owed. My Credit Score has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and..

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed.

Waiting for a Reply, 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 09/30/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent the same letter to all XXXX credit bureaus. Equifax chose not to respond to me in violation of Federal law

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: HAS A DANGEROUS AND INSECURE TELEPHONE BANKING PRACTICE THAT REQUESTS ATM CARD OR BANK ACCOUNT NUMBERS THAT CAN INTERFERE WITH DRIVING, AND ARE INSECURE, AND ALSO COULD NEED TO BE MODERNIZED WITH VOICE COMMAND PER THE USE OF XXXX, " SAFE CALL '' PROTOCOL, XXXX. XXXX REQUIRES FAIR MARKET RESEARCH PAYMENT FOR USE OF ANY OF THESE VALUABLE RESEARCH RECOMMENDATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Credit card () with SYNCHRONY FINANCIAL (OR).
Issue: Other

Complaint: I signed up for the Amazon.com store card, as it offered an interest-free special financing deal for 12 months, which seemed like a smart way to make an investment in new tools for the business. 

I made the purchases over time time period XX/XX/XXXX. I then received a bill over the XXXX Holiday, over which I was out of town and then slammed working 12 hour days. When I finally had a moment to check bills, I saw that Amazon had issued a bill that somehow had a due date of XX/XX/2016 -- less than 30 days after the purchase was made, giving nearly no time to pay the bill before the account went delinquent, a late fee was charged, the special financing turned into penalty financing, and collections agents began calling me. 

To me, that is a predatory lending practice that utterly violates the 30-day rule on credit card billing for consumer purposes in the United States. I will be closing this account and never doing business with Synchrony Bank / Amazon again. 

However, I would also like the CFPB to look into this case very closely, as I believe this may be a predatory lending institution out to fleece larger numbers of unsuspecting Amazon customers, with no intent of ever sticking to fair and honorable business practices.

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 05/26/2016 about Credit reporting () with U.S. BANCORP (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I tried calling the number from the contact information from ELAN FINANCIAL and it is a recording asking me to enter my credit card number. When I enter mine it says it can not find my number.

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 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hi I have = Equifax credit bureau, plus = XXXX XXXX XXXX on = theft & fraud, Embezzlements acts on my credit reports, on Equifax I sent for the reports to be mailed 2 times, plus, called up to 4 times ordering my credit reports on = these crimes = never got any mail Docs, in mail at my moms house = this is from the groups that are stealing my mail, XXXX, calls, etc crimes = with my = DA, victims crime bureau case court trials, on Equifax theres lots of accounts please verify and collect my legal owed money on, plus Banking, On My = XXXX XXXX there is a major mess on a groups, XXXX & Thefts, Embezzlements, and XXXX XXXX XXXX, tradings, etc Up The walls on some group took over my full credit XXXX XXXX  and what am I to think about = clarity to XXXX XXXX Equifax, you have my permission to receive these Docs and Collect whats Legaly Owed, plus Banking will be sent separately Today, I do n't need a mess waiting on these financial losses from past to now please, legaly state with Co, XXXX Please all of them, speedy timing acts on all thankyou by.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Credit card () with JPMORGAN CHASE & CO. (OR).
Issue: Credit determination

Complaint: Chase Credit card has a new rule called XX/XX/XXXX. Any credit card applicant is only approved if he/she has less than XXXX inquire on his credit report within the last 2 years. This is hindering competition for the consumer. Consumer is not able to shop around any longer, so the bank is starting to building a price cartel with the information within the credit report. I am ok that Chase Bank uses my credit information to check my credit worthiness ( about XXXX fico score ) but not ok to hinder competition. 
Within case my application number is XXXX regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Wrong address listed on my Trans Union credit report. Never lived at XXXX XXXX in XXXX XXXX Michigan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Transunion had a glitch in their system that added back inquires that were deleted without notifying me prior to them being added back.
These are inquiries from XX/XX/XXXX through XX/XX/XXXX.
Without proper notification within 5 days, these non- account bearing inquiries should be deleted immediately from my credit report.

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 11/29/2017 about Debt collection (Other debt) with ERC (HI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: ERC has a collection account from XXXX XXXX XXXX on my XXXX and XXXX that does not belong to me. We do n't have XXXX XXXX XXXX where I live in Hawaii.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I noticed on my credit report medical bills that were placed on my files with XXXX, Experian, and XXXX that do not belong to me. I informed all XXXX credit bureaus of this mistake and completed XXXX attempts to have these inaccurate reportings removed from my credit file. My first attempt was submitted to all XXXX bureaus on XXXX/XXXX/XXXX. There were more than XXXX medical bills belonging to my XXXX XXXX XXXX that were put on my report in error and the majority of those collection files were removed but not all of them. So I submitted another written request to all XXXX bureaus to have the remaining collections medical bills that do not belong to me removed on XXXX/XXXX/XXXX and again additional medical bills were removed but not all. I submitted an additional and final request on XXXX/XXXX/XXXX to have the remaining inaccurate reporting medical bills belong to another individual removed from my credit file to no avail. All XXXX bureaus have not provided me with the proof of validity as requested on all XXXX occasions and now do not respond at all to my continuous pursuit to have these inaccurate items removed. I understand my rights under the Fair Credit Reporting Act and have remained patient while allowing the Credit Bureaus to complete their investigation. These items have not and can not be verified by the Credit Bureaus because they do not belong to me and I request that they are removed from my report as required by law. I have kept all my records of correspondence with each credit bureaus and will happily provide this documentation as needed.

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 05-04-2017 about Student loan (Private student loan) with AES/PHEAA (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been payin g American Education Services f or my student loan for a little ove r 10 yr s. Original loan amount was abo ut 52k an d  after 10 plus yrs of payment, it is now  XXXX . My loan details says that I have paid over 20k in interest. How is this possible?!?!?! I have never been late and made early payments but yet I still owe  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Money transfer, virtual currency, or money service (Traveler's check or cashier's check) with CrossCheck, Inc. (TX).
Issue: Problem with customer service

Complaint: CrossCheck XXXX XXXX XXXX XXXX Ca XXXX would not process a check thru their system when my elderly mother wrote one due to drivers license valid state. Well my elderly mother does not drive and has a Texas Valid ID card with no expiration date.
Why is their system not set up to process these types of transactions. That is age descrimination.
We were at an eye doctor when this transaction took place. I had the bank on the other line clearing the transaction and Cross check customer service called by the merchant and cross check could not comment on the transaction until it was submitted in writing. Well I did just that and got a response that it was due to no Drivers license.
This is wrong incorrect fair Credit reporting against the elderly. I hope you all contact them and have them correct this type of behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Attached you will find a police report case # XXXX. I was told by your office that it is required to remove the fraudulent inquiries that appear on my account. Please remove them in the next 5 days and send an updated copy of my report to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Mortgage (Conventional fixed mortgage) with Fairway Independent Mortgage Corporation (NY).
Issue: Application, originator, mortgage broker

Complaint: I XXXX from XXXX on XXXX XXXX, 2015 after 26 years of employment. 
Prior to our retirement, my wife and I decided to buy a home in the state of Georgia. 

In preparation, we saved more than XXXX % for down payment on a {$310000.00} house. We both have excellent credit ( FICO scores ranging from XXXX-XXXX ), my wife receives {$2000.00} monthly Social Security payment ; I receive bi-weekly compensation of XXXX. In addition, we have a combined XXXX in 401K, and I will get an annual pension of at least {$31000.00} starting on XXXX 2015. 

Now that we are in the process of getting a mortgage, lenders are advising me that they can not use my current compensation as income due to XXXX regulations which require income for three years. When I advised them that I will have a pension in XXXX, following the termination of my compensation, in XXXX, they said that I have to show an actual pension check. 

Here is the situation, during my years of service with XXXX, I accrued more than 500 hours of XXXX, and over 1200 hours of XXXX of which I will be compensated for XXXX. Unlike management employees, XXXX does not pay a lump sum to its union employees for accrued leave at separation. Instead, I will remain on the payroll until XXXX XXXX, 2015 when both XXXX and XXXX are exhausted, at which time my pension will start. 

To satisfy the XXXX : XXXX : Other Sources of Income ( XXXX/XXXX/2015 ) Verification of Retirement and Pension Income : Document regular and continued receipt of the income, as verified by letters from the organizations providing the income, I provided the lenders with a copy of the letter from XXXX ( XXXX XXXX XXXX XXXX ) advising that my hypothetical retirement date is XXXX XXXX, 2015, at which time I will begin to receive my pension distribution of no less that {$31000.00} per year, depending on the option I chose. 

The mortgage product that we are seeking is a 15 year fixed, with XXXX % down payment. Instead, XXXX lenders, using the XXXX regulations, advise that they can only provide a 30 year fixed mortgage to us since my current income, which will end XXXX XXXX, 2015, and my pension income which will start in XXXX 2015, can not be used. A XXXX lender is willing to use my pension income to give us a 15 year fixed, the product that we want. 

This leaves us with doubts about the whole mortgage financing system. We now wonder which lender is right. Or is the Fannie Mae regulation being misinterpreted. We can not understand how a person who has excellent credit, more than a XXXX % down payment, who worked for 26 years with the same employer, and who will receive a pension be denied the mortgage product of choice. Please, someone help us understand this.

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 12-08-2017 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: CAINE & WEINER Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX This company has been reporting to the credit bureaus stating I owe a debt all while not only being unlicensed to do so in NYS but in the City of XXXX as well. 

The Federal Fair Debt Collection Practices Act ( FDCPA ) regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor ( or another debt collector ) and are now trying to collect from you. Law firms who regularly work on debt collection actions are also governed by the FDCPA. 

In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law ( Article 29-H of the General Business Law ) governing debt collection practices. 
Businesses whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX XXXX residents must also have a Debt Collection Agency license no matter where the agency is located, including outside of New York State. This licensing requirement includes : Attorneys and law firms who regularly engage in activities traditionally performed by debt collectorsDebt buyers, businesses that buy debt and then try to collect money directly or through the services of another This description is only a general explanation of which businesses need to have a Debt Collection Agency license. You may refer to XXXX XXXX XXXX Administrative Code Section 20-489 for a complete description. Plus XXXX XXXX XXXX and XXXX both require licenses and that the license number be disclosed on all communications with consumers. 

XXXX, NY 140-1License required. 

" No person, firm or corporation shall collect, advertise to collect, attempt to collect or hold himself or itself out as able or willing to collect, for hire or remuneration in any form, any bill, debt, demand, sum of money or other thing of value due or claimed to be due or owing to any other person, firm or corporation or conduct the business commonly known as a " collection agency '' without first having obtained a license so to do as hereinafter set forth, provided, however, that the provisions of this chapter shall not apply to an attorney at law engaged in the practice of his profession ; to any banker, bank or banking institution acting within the limits of his or its authority as prescribed by law ; nor to any person, group of persons, firm or corporation engaged in the collection only of debts, demands, sums of money or things of value which are the exclusive property of the person, group of persons, firm or corporation attempting to make such collection. ''

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Debt collection (Other debt) with CL HOLDINGS LLC (WV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've attempted to dispute this unknown collection with credit bureaus. The collector verified this debt. This debt collection is unknown.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/15/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Billing disputes

Complaint: Kohl 's has promised to remove a charge several times from my credit card ( have copies of email ) for Incident number XXXX for order # XXXX which occurred THREE months ago. Recently, the decision was made not remove charge ( s ) from Kohl 's account related to an item that I am disputing the purchase of. Requiring me to pay for a police report to remove the disputed charges for an item that was never sent/delivered to me. They are violating my right to get reimbursed for the product they did not deliver to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/25/2017 about Bank account or service (Savings account) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Account opening, closing, or management

Complaint: On XX/XX/2017 I received a notice from FIFTH THIRD BANK of an account overdraft. I was quite surprised because to the best of my knowledge all of the accounts I had at one time there had been closed and I have not received any communication ( either electronic, phone or post ) from them in the intervening YEARS until this notice. I went into the bank to discover that there were XXXX accounts ; XXXX checking for my then minor daughter who is now XXXX years old and XXXX savings account for her. When I sought to close the accounts I was told I had to make a deposit to each account to reactivate them before I closed them, and then come back. I did that. When I returned I discovered that the bank had been debiting XXXX accounts $ XXXX/month for at least two years -- maybe more, they would n't show me the records and I have no records of my own since I had closed the accounts ( or so I thought ). I asked for a refund of all the fees since I was never informed that ( 1 ) I still had XXXX accounts open ( 2 ) they were being charged monthly -- which would substantiate the fact that I did n't know they were still considered " open ''. The bank manager wrote his regional supervisor who approved refunding only $ XXXX/account, and yet I know that the accounts were charged in excess of $ XXXX/each, I do n't know the exact amount because I do n't know at what point they deemed them dormant and started charging the accounts. The savings account was my daughter 's birthday money, I thought at the time she could save it and perhaps make a little interest, as I did as a child. It never occurred to me that they could take her money away bit by bit. As it stands, I have no clear idea how much money was in the accounts before, and therefore I have no idea how much they actually owe my daughter/me beyond the remaining {$460.00} in the savings, they cleaned out the $ XXXX+ that was in the checking which is what triggered the overdraft letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/19/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (MI).
Issue: Struggling to pay mortgage

Complaint: We have requested SPS review this file for a short sale. SPS is refusing to do an interior appraisal/valuation of the home, even though they have been notified numerous times that the basement wall is collapsing, causing the home to cave in. The homeowners had to move out for safety reasons, yet SPS refuses to take this into consideration. Their blanket response is " the investor does n't require an interior valuation '' - yet they have n't even notified the investor of this issue. In addition, they are trying to force the buyer to pay for title insurance - which is a seller fee! Each state has different rules and in Michigan the seller pays this fee. They, again, refuse to clarify this with the investor on the loan and are delaying the file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation