milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Original dispute case number XXXX, XXXX Attorney General reports false data to my credit report on Equifax and it is reported twice as a duplicate.. below is the history of the report, i have never been late, and should not have been reported, also date of late payments keeps changing to favor the grantor, shows late 150 day between XXXX & XXXX XXXX, XXXX to XXXX do n't have 150 days. this is wrong and false i have never been late. 

this report should be deleted in accordance with FTC rules for fair credit reporting same account being reported twice & is duplicated Confirmation # Status Dispute Date Completion Date Results XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX N/A XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Viewed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: With illnesses and family things My family has been experiencing a financial hard ship since beginning of the year. Missed a payment due XX/XX/XXXX that I did pay and make current on XX/XX/XXXX. My family is trying to refinance to pay off debt bills and get us out of this situation I spoke with Carrington in XX/XX/XXXX and they were very helpful explained that I needed to write a letter and fax back they would have it removed the lady was very promising and gave me such relief. So we immediately faxed in the letter they then notified me by mail to fax in a second copy signed which we did as well two days later and now it 's XX/XX/XXXX I 've never heard anything backed so I called them yesterday and they said they never received the 2nd fax. Which we have fax confirmation it was received. Did n't give me any information on what to do next and she was very rude and told me I should ask my husband why the payment was late and if it was his fault. I 've been a homeowner for 9 years and have just this one 30 day past due notation out of 9 years of payments keeping me from being able to move forward with my refinance to be able to fix the financial strain my family is experiencing. I just want them to honor what they told me initially in writing and sending them the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NM).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have had my Chase Freedom card since XXXX. After paying both my husband 's bill for his Chase Freedom ( he has had since XXXX ) and mine, I noticed that I pay 25.24 % and he pays 13 % in interest. We have been married for 30 years and I have a credit score of XXXX. Just a bit higher than his. I called to say that I felt that my interest rate was too high. That I was a good customer and that it should be similar to my husband 's rate. My rate is higher than that paid by those with bad credit! I was told I have no recourse. How can it be fair that I pay DOUBLE what my husband does? I feel this is discriminatory.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My XXXX was totaled in an accident on XX/XX/XXXX and was paid out in full by XXXX XXXX in XX/XX/XXXX. XXXX XXXX was paid out in full, but they have reported on my credit file that I was delinquent with payments, As a result there is serious error on my credit report and my FICO score has been impacted. 
As a result of XXXX mistakes I can not get a loan to buy a home and I am suffering hardship due to the error made by XXXX USA staff.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have filed disputes with reporting agency on credit inquirys. I did not ask for credit or approve a request for credit. I am showing credit inquirys from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/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 07/29/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My concerns are about the multiple entries for several collection accounts in my Equifax credit report. XXXX XXXX XXXX XXXX ( XXXX ) has ( XXXX ) entries for the same day from the same creditor XXXX/XXXX/XXXX, but different amounts. XXXX also has ( XXXX ) entries for the same day and same creditor on XXXX/XXXX/XXXX, but different amounts. XXXX lastly has ( XXXX ) entries on the same day for the same creditor on XXXX/XXXX/XXXX with different amounts. This makes my credit report appear to have more accounts ( XXXX additional ) in collection then it should. It is not possible to have multiple accounts for the same day from the same place. I would like these taken off my credit report. 

Also, I had trouble logging into my Equifax credit report on line, because the security questions did not pertain to me. I wonder if this could have anything to do with identity theft? I did send a copy of my drivers license, social security card and birth certificate on XXXX, XXXX to Equifax in my complaint letter to : Equifax Information Services LLC XXXX XXXX XXXX GA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (IL).
Issue: Customer service / Customer relations

Complaint: HSBC BANK Credit card, Account number XXXX Date Open XX/XX/XXXX credThis account is over 7 Years old no payments was made on this account since XX/XX/XXXXi have ask for validation and they have refused

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (MS).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: My daughter and I bought an SUV from XXXX XXXX XXXX used cars. It was financed at the car lot through Credit Acceptance. Near the end of signing loan papers he said Credit Acceptance required GAP insurance to be paid for to cover damages to the vehicle if personal insurance did n't pay enough. Loan could n't be completed without accepting so I signed. It cost {$670.00} extra in financing. Recently I 've heard it 's illegal.

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 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: AFFIDAVIT OF TRUTH SIGNED BY LOCAL NOTARY, SENT VIA XXXX CERTIFIED MAIL # XXXX. I sent a demand to EXPERIAN notifying them that there is inaccurate and false address on my credit file. I certify that i have never lived in the city of XXXX. as a matter of fact both of these addresses are not even XXXX DELIVERABLE, please Amend these errors. 

EXPERIAN ALWAYS CLAIM THEY CAN NOT CORRECT THESE ITEMS BECAUSE A CREDITOR IS ISSUING THE DATA, BUT THAT IS FALSE. HOW IS IT XXXX, XXXX ARE ABLE TO FIX THIS SIMPLE ISSUE YET YOU CAN NOT? 

I INTEND TO SUE IN FEDERAL COURT AND INTRODUCE INTO EVIDENCE MY AFFIDAVIT OF TRUTH OF WHAT I ASKED EXPERIAN TO AMEND IF THEY CONITUE WITH THEIR NEGLIGENT NON-COMPLIANCE.

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 04-10-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: My credit card was transferred to a collection agency a month after I filed bankruptcy. The payment was n't even 30 days late yet. 
And is now reflecting as a collection account on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MN).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I have an american express card that I made a payment to the wrong account ( there is only one number different between the last 5 digits of my account versus my husbands account ). There was a large credit to his account, we never recieved a call or notification despite them having all information about all accounts, my account was reported as late, and this went on for several months before I was sent their internal collections, XXXX. Since signing on with XXXX, XXXX continued to report my account as late even though every payment through them was made on time and even additional payments were made. Once I realized that the ongoing negative reporting had continued I spoke with XXXX, eventually got through to a supervisor of their Credit Bureau Unit who agreed that this was very messed up and felt that this was handled poorly and recommended that I speak to the Care Team and file a complaint and request a re-aging of the account. She transferred me and the representative took my name and number, told me that the Supervisor of that department would call me back and I never recieved a call. 

The following week, I again made several phone calls and began filing a complaint with the Inquiry Center whose representative, XXXX, was very helpful, agreed to file the complaint and reverse the credit to my husbands account and submit for a re-aging of my account and we were disconnected. I called back, was transferred 7 times, was assurred that I could not be connected with the exact representative, was transferred 4 more times and then told they could not talk to me because my account was in collections. 

My husband called and was finally able to speak to a customer service representative who stated that he saw all of the notes in the records, would complete the reversal of the credit from his account to my account, reverse all of the late reporting and that given my husbands permission to discuss this with me, that he would call me back within 10 minutes to confirm the agreed upon action. We again, have never recieved a call back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On my credit reports ( XXXX and Transunion ) it is saying my XXXX XXXX loan is delinquent and has n't been paid in 120 days. I was late with payment back in 2011 but the loan is all paid off and has been for years.

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 06/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent several letters via the the Unites States Postal Service to Transunion demanding appropriate documentation or removal of several inquiries to my credit report that I do not recall authorizing. It has been over 60 days since the letters were sent and I have recieved no correspondance, no proof of authorization and the disputed inquiries have remained on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: After a short sale on our home, a XXXX XXXX home equity loan was not forgiven. Though I tried to settle, I never received a response from XXXX XXXX. A couple of months ago, I called XXXX XXXX and was casually informed that XXXX XXXX decided to mark the loan settled in full and the balance owed is {$0.00}. However, they could not send me anything in writing confirming same. In addition, although the item is now reported as " closed '' on XXXX and XXXX, on my experian credit report it remains open, as if there is an open balance. I asked wells to fix it and they have not. I disputed the item with experian, and after an investigation was performed, the item was not changed, and remains as an open balance. This item on my experian credit report is not allowing me to get approved for a mortgage. I feel I have done all I can, but am hitting road blocks in every direction. I feel XXXX XXXX should have correctly reported this home equity line of credit as closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Risecredit, LLC (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call way too often, even after we advise them when we are going to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Debt collection (Other debt) with North Shore Agency, LLC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I returned the bill to the sender with a note indicating that I never requested the publication and I do n't want any publication.

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 Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CO).
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint: Im getting solicited by Chase bank mailers for checking accounts. I am on the do-not-solicit mailing list and ive wrote them 3-4 times and emailed the same .... they are now at a point of harassing me with their mailers. 

address is from : CHASE XXXX XXXX XXXX XXXX, OH XXXX addressed to " Our Neighbor '' privacy statement on thier website does NOT LIST an address to write to be removed from mailing list.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Bank account or service (Checking account) with CITIBANK, N.A. ().
Issue: Account opening, closing, or management

Complaint: I have repeatedly tried to close my checking with Citibank and they have not closed it. I am no longer in the United States. This makes handling the matter very difficult. 

I first requested to have the account closed on XX/XX/2016 ( XXXX Eastern Standard Time ) via online chat with a Citibank representative named XXXX. He told me that the account would be closed within 2 business days. I received the cheque with the remaining balance on XX/XX/XXXX ; however, a letter later arrived welcoming me to Citibank, followed by another letter with an ATM card. On XX/XX/XXXX, I posted a letter to Citibank. This letter repeated that I had instructed them to close the account, had not requested a new card, and again, instructed them to close the account. 

I have now received an email on XX/XX/2016, informing me that I have a new message on the online system concerning my account. I can not access this message, as I no longer have the relevant details. I am quite frustrated by this constant back-and-forth across national borders for what should be a simple administrative task. I am also concerned that the account may be accumulating fees, and will therefore create difficulties for me if I attempt to re-enter the US in future.

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 12-05-2015 about Debt collection (I do not know) with Penn Credit Corporation (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: it is automated they just say to call but do not relinquish a name who they are calling for

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Debt collection (Medical) with NRA Group, LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: debt just showed up on my credit statement with no notice of right to dispute

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Consumer Loan (Title loan) with U.S. BANCORP (NJ).
Issue: Charged fees or interest I didn't expect

Complaint: After paying off my boat loan with US Bank, they sent the title to the bank XXXX where the check was drawn from and not to me. 
Upon calling to find out where my title was I was told by their account rep ( XXXX ) that they were sorry and a new title would be ordered and sent to my address. A month later I called and spoke with ( XXXX ) who informed me that XXXX never ordered a new title and that it could not be ordered. 
I then spoke to a supervisor ( XXXX XXXX ) who stated they were sorry and I should go to the DMV with the lien release and obtain a new title through them. XXXX XXXX was unaware that I would have to pay for a new title through DMV and again all she could say was sorry. She also stated contrary to the second rep I spoke with that a duplicate title was sent to my address yet I received nothing in the mail. 
I received the new title at the DMV at a cost of {$60.00} payable by me and when calling XXXX XXXX back she has routed my home phone which is associated with the account to a general mail box, yet when I call from my cell I can get through to her voice mail. I 've left 3 messages ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and she wo n't return my calls to find out how I get reimbursed for their mistake. After much frustration I call XXXX ( Regional Supervisor ) and left a detailed message for her on XX/XX/XXXX and as of today XX/XX/XXXX I have not received a call back. The new title cost {$60.00}

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 01/17/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Wrong amount charged or received

Complaint: I sent a wire transfer from XXXX XXXX to Coinbase on XX/XX/XXXX through XXXX XXXX XXXX. 

Amount : {$5000.00} USD I have talked to both my bank ( XXXX XXXX ) and XXXX XXXX XXXX ( Coinbases bank ) and they have both confirmed the transfer as complete at XXXX on XXXX/XXXX/XXXX. These confirmation calls and visits occured on XX/XX/XXXX. 

IMAD # : XXXX I put in a service request for this issue on XX/XX/XXXX through Coinbase.com. 

I have called their support line and responded to canned emails on multiple occasions and they just keep replying that they are " raising the priority of my case '' without actually providing any solution or ETA for when my fund will be available. 

It is currently XX/XX/XXXX, nearly a month after my wire transfer has been cleared, and Coinbase has still not posted my funds to my account or returned my money after asking explicitly multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Debt collection (Other debt) with Adler Wallach & Associates, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This collection agency is trying to collect a debt I already paid over a year ago. They never made any attempt to contact me via telephone or letter informing me of such. I only found out because of an alert with a credit monitoring system I have. They never notified me giving me an opportunity to dispute the debt and show proof that it has been paid. The original creditor hired them because I threatened to sue them regarding another matter. They are purposely trying to hurt my credit and it has worked thus far because I have been denied credit baised on their fraudulent actions.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I am behind on y mortgage and am getting assistance from The state of Arizona and the hardest hit fund set up by the government. All I am asking for is a current statement which they wont supply for thirty days. They plan to foreclose XX/XX/XXXX and it takes the state at least 30 days after receipt of the statement to fund the deficiency to the bank. I can not get them to send me this information and I do not have an alternate place for my wife, XXXX young children and ailing mother in law who lives with us Account number XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation