milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Good day, For 2 years I 've worked tirelessly to get my credit score to what my credit worthiness should reflect. I responsibly use XXXX worth of credit a year, however right before my score should be raising above a XXXX ( as it should be XXXX ) the bureau change or add some frivolous or incorrect information to drop it XXXX point and than is raises backed to the same " good '' or " average ''. I than repair it again and the process begins over ; for 2 years every month I 've battled this. This past month ( XXXX ) I called all my credit card companies and asked what they reported and they told me. I than called experion and asked them what was reported. For example one " XXXX XXXX '' reported balances paid in full, yet experion placed a XXXX debt of my report. So I again followed the same process the next month XXXX XXXX XXXX and to be safe paid every credit card each time any monies was charged to a XXXX balance throughout the month. And on the XXXX the day XXXX XXXX reported to experion I called and asked what was my balances shown on report and again a XXXX debt was placed on my report. I confronted the agent on the line and he stated that all I could do is file a dispute against XXXX XXXX. I explained the same as I did to you and asked him how I can dispute experion and he said I could n't. I pushed further and he said he forgot who I can report to. One last serious request to see who governs experion from the agent and I was placed on hold and told " fts '' or the federal government. I believe experion is purposely keeping my credit worthiness down which is discrimination. I would like to have a full complaint with explanations and also comped for loss of operating funds for my small business. Also, compensation for higher interest rates from the diminished credit score purposely given 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 02/22/2018 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: I have multiple inquiries on my TransUnion credit report that arent not mine and are unauthorized. I have reached out to TransUnion multiple times regarding this issue. They keep advising me to contact the companies that requested the inquiries. I have done so but were unsuccessful because companies cant search for inquiries especially if there is no account associated with the inquiry. The inquiries are as follows. There are 4 inquiries from XXXX XXXX, 1 inquiry from XXXX XXXX, and 3 inquiries from XXXX XXXX. Please investigate.

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 12/29/2015 about Credit card () with DISCOVER BANK (CA).
Issue: Credit line increase/decrease

Complaint: Out of curiosity, I contacted XXXX on XXXX/XXXX/2014 after answering a make money quick scheme type of post on XXXX. I left my information and was quickly contacted by a representative. I was told about the opportunity to make money with their proven system. I was sweet talked and after a few minutes I asked what the investment was and was told it was XXXX+. I thought it was way too much, and then I told them that I could not afford this since I had no money for this investment. I then was told that if I paid it I would have three days to cancel the program, and was told that they would help me get a credit card from Discover to cover the cost. I was given a number to call a Discover rep and was given XXXX+ in credit and then I went ahead and made the investment since I had a 3 day period to test and see if it was worth the investment. I was told that I would receive a call a day or two from the date of the contract and received a call from one of their expert instructors who was going to give me a coaching lesson on how to set up and XXXX account. I told the person that I already knew how to do this and then discovered that I was just going to be overcharged on a dropshipping business that I could set up myself. I called and tried canceling. I was told that all I had to do was call them and cancel and they would do that for me but they refused. I then emailed them and tried cancelling and the same. I tried canceling the service since it was just instructions about making an online business with XXXX via drop shippers. I contacted Discover cards and disputed a fraudulent activity from XXXX. After, Discover made a supposed investigation, they came back to ma and told me that the information provide by the merchant was accurate. Then they reevaluated my credit and said they that my credit was now a XXXX from the intial XXXX+ they had given me when I first contacted them via XXXX. Today, I am paying back the negative debt that Discover unfairly and fraudulently buried me in. I strongly believe that Discover has a direct deal with XXXX and they are a very shady company that does not take into account the consumer. I sent all the proof of the fraudulent activity from the vendor and I think it was ignored or not even looked at carefully and I would like to contest Discover on this and have the credit put back into the card and be compensated for what I have paid so far. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Debt collection (Medical) with AMCOL Systems, Inc. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: after repeated attempts to contact collection company they finally called back. when I requested documentation showing this is a real and valid debt. they refused to provide it and said i had to chase it down. They are legally required to provide proof showing exactly what they are collecting for and when debts were incurred. I then told them to not call me back unless they can provide documented proof this is a real and valid debt and not some kind of scam. this XXXX XXXX then proceeded to tell me that she can call continue to call me everyday until i pay. she also told me she is going to report this on my credit report unless i pay within XXXX day. this is all without providing any proof i owe the debt. About XXXX weeks later i received another call from a XXXX who claims i never made the statement about only calling if they can provide the documents. she also tried getting me to pay without proof. i informed her that she can not contact me without proof and if they continue to harrass me i will contact a lawyer about these tactics. they were pushy and rude and i feel this is a scam to trick me out of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (CO).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to PHH Mortgage on XX/XX/XXXX, prior to that it was serviced by XXXX XXXX. I have spoken to XXXX XXXX and my last payment was applied correctly on XX/XX/XXXX for the XX/XX/XXXX payment. Which meant that my first payment to PHH should be applied to the XX/XX/XXXX Payment. On XXXX XXXX I made a payment in the amount of XXXX to be applied to the XX/XX/XXXX payment and on XXXX XXXX I made another payment in the amount of XXXX for the XX/XX/XXXX payment. I have been monitoring the account online since then. I noticed that my account was showing that the due date for the next payment was XX/XX/XXXX. I contacted them 2 weeks after the payments were made and was told that the second payment was misapplied to principle and would be backed out and applied to the XX/XX/XXXX payment. I contacted them again today XX/XX/XXXX. After being transferred 4 times I was now told that both payments were misapplied. I was told again that they would " fix '' it and apply them correctly, but I would have to wait 7-10 days, then I was told 3-5 days then told that it would be fixed today but I still would be unable to have confirmation until Tuesday. I asked what is going to happen when I make a payment this month that should be applied to the XX/XX/XXXX payment. I was told there was no way for them to guarantee that they would apply that payment correctly and I would have to monitor my account. This is absolutely ridiculous, PHH is supposed to be a loan servicer they should be able to properly apply payments to the account. At this point the only acceptable resolution is to have my account transferred to a servicer that can handle accepting monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My student loans were paid off through wage garnishment two years ago. My credit report is inaccurate. When i disputed they changed my status to 180+ days late and my score dropped. XXXX will not remove these paid off accounts and they added false info when I filed a dispute. The same loan is also on my reports multiple times. I dont know where to turn.

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 02-04-2016 about Mortgage (Other mortgage) with 21ST MORTGAGE CORP. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My Name is XXXX XXXX and I have mortgage through 21st Century Mortgage Corporation I have pulled up records back from 2004 when I took out the Note and it 's a balloon note with a 2nd mortgage that I was not even aware of. I found this from a friend who check the court records. This is a Manufactured home and I have tried many times to contact this company for help with my mortgage payments I am now on XXXX and I have no other income. I have applied for XXXX and they both could not help me. I do not have anywhere to go I will homeless and to top it all off i am only 35 days late on my payments. Their customer has been harassing me daily. I am trying to work with them but they refuse to help me get to a lower payment. Please help me get them to look at my income and get me to a payment I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Debt collection (Payday loan) with D. SCOTT CARRUTHERS (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Scott Carruthers Law firm claimed to be a debt collector for XXXX. Scott Carruthers Law firm is a total SCAM! He is n't a so called law firm. We a agreed on a monthly payment of {$120.00} a month XX/XX/XXXX for a debt due to XXXX. I did n't know at the time that he was a scammer. I paid {$600.00} up front via my checking account. I paid {$120.00} each month till XXXX XXXX XXXX. XXXX XXXX XXXX Scott Carruthers Law firm took two payments of {$120.00} when I did n't agree to that. My bank account shows XXXX but nothing about a law firm. I then called Scott Carruthers Law firm and got no answer, left a message and he never called me back. Then on XXXX XXXX XXXX at XXXX I get a call from XXXX from Scott Carruthers Law firm saying I 'm in big trouble for closing my bank account out and saying I still owe {$600.00} but now I 'm going to owe {$6500.00}. I told him I finally found out they have been scamming me for all these years. XXXX of course denied that. I told him send me a letter with proof of everything he was saying. XXXX then called my daughter 8 times and harassed her. XXXX said he looked up XXXX pages and said he knows everything about us. My daughter told him if he calls again we are calling the police and reporting him. He hung up and ten minutes later tried to call her again. She did n't answer, he has n't called since. Now I 'm reporting them everywhere I can, so I can warn others.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 09/20/2017 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: Credit inquiries on your report that you don't recognize

Complaint: I have unrecognized hard inquiries on my credit card, which I did n't authorize. I did not give them my consent, it was not court ordered, or was not for insurance or employment purposes and it was n't a firm offer a credit. 

Hard Inquiries by these companies on these dates was not authorized : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was affected by the Equifax breach. I am writing so that there is a formal complaint on record that their handling of consumers ' private information is unacceptably lax. There should be much more oversight of credit reporting bureaus ' attempts to safeguard consumers ' information.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Set up a automatic payment program with XXXX. Made no changes on my part. Mid stream the changed. It appears they used an outside source - caller ID not provided - first question is my full SS. Communications broke down on their change. Repeatedly told them to take payment. They did no, .have contacted bank to no avail. The impact is a XXXX point problem on my credit rating. Never changed anything on my part Same accounts to withdraw from. I seem to be caught in a procedural issue.

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 09-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I am the victim of ID theft and have submitted a police report to transunion. Under Georgia law, I am to receive free credit freeze with temporary lifts ; however, transunion is attempting to bill me for these services.

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 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Stolen identity fraud open account open in my name XXXX XXXX XXXX/ XXXX  XXXX/ XXXX XXXX XXXX XXXX XXXX Opened XX/XX/15 Account number XXXX Amount 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 non-monetary relief
Consumer complaint received 01/29/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (GA).
Issue: Money was not available when promised

Complaint: I initiated a transfer of {$270.00} worth of Bitcoin on XX/XX/XXXX that was supposed to post to my bank account on XX/XX/XXXX. The Bitcoin was immediately deducted from my account. After waiting a few additional days for the money to be deposited, I submitted a support ticket with Coinbase on XX/XX/XXXX to no response. I reached out to them on XXXX on XX/XX/XXXX and also received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Payday loan () with Big Picture Loans, LLC (CA).
Issue: Received a loan I didn't apply for

Complaint: On XXXX XXXX, 2015 Castle Payday Loans deposited {$500.00} into my checking account. This was done without any knowledge by myself as I did not apply for any loan. With any company with exception of XXXX company for several years. But never this company. The loan amount is more than what is allowed in California where I live. I live on XXXX and can not afford any loans of this amount. 
I have never received any documentation whatsoever of any kind except an email notice that a payment was due on XXXX XXXX, 2015. This email was received on XXXX XXXX or XXXX, 2015. This notice did not include any amount due, no account number, or my name. The email address that this notice was sent to is an old email address I have for a small business that is not currently in operation. 
I have closed the bank account the {$500.00} went into as that account was not used to apply for the supposed loan and therefore was fraudulently accessed and used. I also feared that the Castle Payday Loans would take payment for the loan. This concerned me as I live on limited income and the fact that I did not apply for or request any loan from this company. I am afraid to contact the company as I fear they will somehow use any communication against me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax is reporting a judgment on my credit file that does not belong to me! I disputed this erroneous public record over 90 days ago and have yet to get a response from them. I called the court and they have confirmed that this judgment is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/25/2015 about Mortgage (Conventional fixed mortgage) with 21ST MORTGAGE CORP. (IN).
Issue: Loan servicing, payments, escrow account

Complaint: I often make multiple payments at one time to my mortgage company. I include the account number on the check with the months that the payments are to be applied to in the memo portion of the check. I also include in the envelope the payment coupons for the payments that the check is to be applied to. A few months later, the mortgage company sends me mail saying that I am seriously overdue on my account because they misapplied my payment. This happened last year for the XXXX time and they put a late pay on my credit report for it even though my payment was never late. That mark is still on my credit report as I have not had the time to challenge it with the credit reporting agency. Today, I received yet another threatening letter even though I 'm not behind and do n't owe any more payments until XXXX. I 'm tired of them misapplying my funds! Furthermore, when I made another multiple month payment in XXXX of last year, I requested in writing a statement of all of my account history and then still have not sent it to me XXXX months later.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MO).
Issue: Payoff process

Complaint: Hi, Thank you in advance for your help. We paid on our credit card balance of {$240.00} a " cash reward '' of {$200.00}. This {$200.00} reward was earned and was correctly credited for that month. However, American Express charged us a {$20.00} fee because we did not make the " minimum payment '' of {$35.00}. We talked to an agent on the phone, and they said they could not remove the fee. ( While this is not a lot of money, I am thinking of other folks who are charged fees in this incorrect or at least misleading manner. )

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
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: This account is a Private Student Loan account that was originally through Chase.  The account was opened on or around XX/XX/2008. The outstanding balance currently reflected is for {$19000.00}. I hired a consumer attorney to represent me for this account. After certain information that I have provided, Chase deemed  that I was no longer liable for this account. XXXX and XXXX have already been updated, they have removed the Chase Student Loan account from my credit reports, however, XXXX has not removed this account. I have disputed this account several times on XXXX, and each time, they respond with the creditor has validated this debt. I have called Chase several times and talked to several people, including supervisors, and no one knows what to do or whom to talk to, and apparently does not have record of THEIR ACCOUNT. Chase directs me to contact XXXX XXXX XXXX ( XXXX ). I have called XXXX several times, and have spoken to several people, including supervisors, and they have no record of my account. XXXX directs me to contact Chase, as they are the ( only - XXXX is NOT ) lenders reporting on my XXXX credit report. The numbers that I have tried are XXXX ( XXXX ), XXXX ( old Chase Student Loan line - which no longer works ), XXXX ( XXXX - this is for Federal Student Loans ). In other words, Chase and XXXX are pointing their fingers at each other, and I am just the man-in-the-middle ( the one whom is suffering from this dilemma ). This is very frustrating, and it should be something very simple to accomplish. I am no longer liable for this account, whom do I need to talk to?

Company response to consumer: Closed with explanation