milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/31/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XX/XX/XXXX I made a payment, in person, ,on my Credit Card with XXXX XXXX XXXX XXXX Pennsylvania . I made a {$500.00} payment and was given credit for {$50.00}. A 30 day late counter appeared and my credit report. The Creditor subsequently corrected it and removed the late. However, although XXXX has kept the late off, the other XXXX repositories reinserted the item not once but twice. XXXX corrected the mistake and removed it on XX/XX/XXXX. Trans Union has been especially egregious having insisted last year the item still remains. This has caused continued harm to my credit score and I am contacting an attorney. Having worked in the industry for more than 40 years it 's unconscionable that this continues. The creditor insists to me that they corrected this more than 2 years ago.XX/XX/XXXX asked them to look into my account history and it showed I was never late. I have a copy of the XXXX deletion and am extremely frustrated.

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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: I submitted information to all 3 bureaus about bankruptcys on my report and XXXX and experian have not followed suit abd XXXX removed 2 and then readded the last one without a written notification again which i did not recieve! I have proof that these bankruptcys are not verfied by the courts and should be deleted along with all accounts included! Also XXXX has continued to update and afe accounts that were closed! Like XXXX XXXX  which was included in a chapter XXXX but us now reporting in a chapter XXXX!! Also all student loan accounts and all XXXX XXXX  car6d and 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 09/26/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MS).
Issue: Loan servicing, payments, escrow account

Complaint: I have been reported late on my mortgage when the lender has been unable to be reached by phone for payment. I have been charged fees without notice and been unable to have removed. I have had insurance placed on my loan even with adequate coverage in place. The company does not offer refinancing at better rates and forces mey to stay with them unless I fall behind and ruin my credit, then they will offer a better rate.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Winklevoss Exchange LLC (NY).
Issue: Money was not available when promised

Complaint: XXXX had a scheduled maintenance window from XXXX to XXXX EST. It is now XXXX and their site is not even up. Support requests have gone unanswered, and no notifications or updates have been made on any public channel ( e.g. XXXX ). 

They hold significant amounts of US currency in my account which I no longer have access to.

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 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX mos. ago, I had looked at my Experian credit report and found, along with the other XXXX major reporting agencies, that someone had been putting bogus and illegal and fraudulent info. on my report. I tried to dispute this with all XXXX credit reporting companies and they not only would not remove all the wrong info., what they did remove is now back on and they will not allow me access anymore. I found out by Experian sending me an updated report the other day. Why are you not correcting this fraud that the credit reporting companies do? Why are they not getting consequences for their actions and ineptitude? Why do they allow anyone more access and changing ability to MY name and report than I have, or am able to do with MY report and name? I can file a suit with the courts myself, but why should I have to? Come on ... ... .make the laws work an stick like you 're supposed to!!!

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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have XXXX student loans with Navient and tried to work with them to reduce my payments based on my income of $ XXXX. All they offered was a forbearance- no income based repayment program. They charged me {$150.00} for the forbearance. I 'm paying over {$1000.00} a month! I 'm buried!!

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

Complaint: I was made aware today that Equifax had a security breach, for about two months, a few months ago and just let me know that it happened. I checked with their website and they claim I am one of those affected by the breach. 

In that breach, I have had my SSN, my address, my driver 's license, and other information stolen. Now I have to put a fraud alert on my credit report to ensure that I am not a victim of identity theft, or at least to stay a step ahead. 

In fact, I recently ( around XX/XX/XXXX ) had an issue with my XXXX card where all my information was changed. My address, my e-mail, my phone number. They changed everything and tried to switch the address to somewhere I have never been and requested a new card. Luckily, XXXX saw that issue and contacted my promptly. 

It is very likely that they had my information in the first place due to this breach. I was inconvenienced and had to have my account closed and open a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo Mortgage has provided property insurance on my mom 's home ( She has a reverse mortgage with Wells Fargo. She has been unable to obtain property insurance on her own so she had no choice but to accept the property insurance provided by Wells Fargo. A re-payment installment agreement was made to re-pay Wells Fargo for the property insurace provided. My mom makes monthly payments on this. The problem is that every single month, Wells Fargo collections calls her to " verify '' information. These calls are made every single month, even though she has never missed a payment. I view this as abusive since there should be no need to call her every single month on an account that is up-to-date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 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: XX/XX/2018 Good Morning, this letter is in regards to my accounts that are paid off. I would like this information to be updated on all of my credit reports. All account should state paid in full with a positive history of payment. Please see attached proof of payment and positive payment history. 

The correct information is with XXXX -- -- Paid in full XXXX -- -Paid in full XXXX -- -Paid in full Thanks 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 01/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I only have a debit card and Im now only hearing from people that in order to enroll in travel rewards programs, you must have a credit card, which I never had one. I love to travel and at the same time, would like to have a travel rewards program connected with a bank without requiring the use of a credit card. Its outrageous that they only require the use of credit cards to enroll in travel rewards programs.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Debt collection (I do not know) with First Data Corporation (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i keep getting calls about a debt for someone who i dont know. Ive had the same phone # for XXXXyears, ive explained this to the callers which are numerous but they continue to call. Ive done tickets on other callers with this system. It seems however that once CFPB gets XXXX to stop calling they sell that debt to another collector who then sees my number and this starts all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Advantage One Credit, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : XXXX XXXX {$100.00}, XXXX XXXX XXXX XXXX, XXXX XXXX {$3100.00} To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXX, which you claim such as I owe an amount of {$100.00}, {$760.00}, {$3100.00},. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau

Company response to consumer: Untimely response
Consumer complaint received 09-12-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have fallen a couple of weeks behind in my loan payment. ( less than 30 days and less than a full payment since my last payment was a little over ) I have been receiving calls at work. I asked not to be called there but was called again. Even after I ask not to call me at the work number they continue to argue that it wo n't take long and they say that they can not stop calling me unless I take the time to verify all of my addresses and contact numbers and e-mail. I have not moved or changed my phone numbers at home or work for 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Using a debit or ATM card

Complaint: I asked for a " chip and pin '' debit card and received it a few weeks ago. I was told that it would n't be like a previous card I had that used a chip and would work by waving the card around, seemingly magically. I assumed it would work with a pin number but I have had a different experience than I expected. The bank ( in my case, it 's J. P. Morgan Chase ) has chosen to implement a system whereby for the most part, the chip replaced the pin number. I do n't like this because if I should lose my card, it is immediately usable by anyone who finds it. I want my card to be like it was before, but with a chip.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I had a credit card with Khols/Capital One in  XXXX   XXXX . I noticed fraudulent charges on my card. Khols said they were working on it. They closed the card. Then they charged it off in  XXXX . They reported it as a charge off. They never investigated the fraudulent charges. Now here we are in  XXXX  and all of a sudden Khol 's is reporting a 150 day late payment as if the card is still open. They just started doing this each month since two months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX Dispute for XXXX to remove fraudulent address 's, Drivers License. I have attached, Police Report for Identity Theft, Notarized Statement stating that I have n't lived at these places. Your refusal to remove these disputed information because your Bank members are the ones that has reported them is wrong. Remove them!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Billing disputes

Complaint: A reservation was made through XXXX for a hotel in XXXX XXXX XXXX. Following procedure, I checked out of the hotel after a ( 1 ) one day stay with the understanding that I will only be charged for a ( 2 ) two day stay.

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 02/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had requested a credit card with XXXX. XXXX approved the request and issued a credit card. When I saw my credit report information there were XXXX inquiries from XXXX. I contacted the Bank and asked why they had XXXX inquiries on my report and asked they remove them. Instead of removing the excess number of inquiries, I checked my report and they had reported that ( had reported the credit card as lost or stolen. I informed them that I had not reported the card lost or stolen, but that I wanted to close the account completely. They then caused there to be a second report of a lost or stolen credit card. I advised them that this was untrue and to correct the problem. They did not correct the problem, but did cancel my account, as I did request. NOW I have several inquiries and XXXX reports of lost or stolen credit card. This has caused my credit score to plummet from XXXX to XXXX points. I want the entire matter cleared from my credit reports and XXXX is not responding to my communications. Please help. I am very stressed that my credit score has been changed from XXXX to XXXX points and want to correct the matter so that my credit report is not impacted. When I asked them to close the account, they replied " then your credit score will decrease further '', as if they were threatening me. I asked it be closed anyway, as I did not consider them fair or helpful. Now I have a terrible credit score, all because they fraudently reported that the card had been lost or stolen. I never reported that. I had received the card and it has always remained in my possession. Can you help me get them to undo the damage they have caused? 

Please help me. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXXXXXX

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 01/26/2018 about Debt collection (Payday loan debt) with COMMUNITY CHOICE FINANCIAL, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Has been paid off.. Has n't been removed

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: On XXXX XXXX I attempted to get my credit report on Equifax web site and it said the information did not match their records. Equifax has not updated my student loans accounts XXXX XXXX XXXX/XXXX accounts. 

They where consolidated on XXXX XXXX and my Equifax report still shows balances and that the fifteen accounts open with balances. 

This is negligence on their part and I am writing this complaint because they have not updated my report to reflect the account closed and paid.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: After several back and forth with chase about XXXX debts that was being reported on my credit report is inaccurate I closed the accounts and chase said I received new cards. I have asked for the dates and address where chase sent the replacement cards. the dates and addresses are not right that they have gotten from the public records and I have never received anything from them at my address where I live ... I did receive a letter from in response from a different person again saying they are willing to remove these accounts from my credit ( I have attached the letter ) I responded with a letter telling them they did not need my permission to do that but I gave them permission to remove those accounts anyway, and I have not heard from them nor have the those accounts been removed. I believe under the fair debt collection practice act and or fair credit reporting act they should be able to give me all the information to do with these account and if they do n't have the information they need to remove the accounts from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (SC).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: XX/XX/26 I am trying to transfer the remaining balance on this card to a reasonable rate card. I have paid down from XXXX to XXXX and would like to move the rest. A couple of years ago XXXX XXXX eliminated my credit balance so I destroyed the card but continued to pay the card on time each month. Without the card, I do not have the account number. I assumed I could go to the website and get my account number. The web site only has the last 4 digits and does not have an alternative account number to the Credit card. So I called customer service to get the account code, they stated that they could not access the account code either. They offered to re-issue the card but since they closed the account when the set the credit limit to XXXX - they could not reissue the card. THEREFORE I AM OUT OF LUCK. I assume since they so not have the ability to give me my account number they no longer are expecting payment. Please verify.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loan servicer is Navient. I received payment from my employer ( XXXX ) for last year to go to XXXX of my higher interest loans but they spread the payments out to all of my loans. I have called then multiple time ( probably 5 or 6 ) to get this straightened out. I finally got the money applied to the appropriate loan, but now I 'm not sure how much extra interest was added to the loan due to them failing to apply my payments to it. Is there anyway to find out if I was charged extra interest due to their disregard for my payment instructions?

Company response to consumer: Closed with explanation