milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/24/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is Reporting A Transferred Revolving Credit Card Account From XXXX. Which they have not verified the debt that I owe.

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 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: During the loan I had late payments as I got near to paying off loan I requested that late payments be updated in agreement with paying loan off early. XXXX XXXX representive agreed to update my account status but informed me that it would take 30 days. I agreed for payment to post to pay of account XXXX XXXX 2017. I currently applied to pre qualify for a home loan and was informed that late payment was still on credit report. At this time I contacted XXXX XXXX and have received the worst service which I feel its because I do not have a open account being transferred from person to person being placed on hold for extended periods of time on several occasions from XXXX 2017 to XXXX XXXX 2017 DAILY. This company has provided me with the worst service and refuse to honor agreement 1. Because I am no longer a customer ( But offered to consider removal if I was applying for another home loan through XXXX XXXX ). 2. I 'm a XXXX XXXX Veterans that suffers with XXXX, XXXX XXXX and other XXXX XXXX which is triggered when I 'm spoken to aggressively which the representative have done repeatedly. 3. As a XXXX XXXX XXXX they show no concern for anything i have to say but I have listen to them talk to other XXXX customers and they are very respectful and courteous. I continue to ask that my late late payments be removed as agreed upon and honor my request quickly.

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 02/28/2018 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: My student loans are satisfied fully. I have requested that the loan servicer remove the credit reporting and they advised on XX/XX/XXXX that they will not remove until XX/XX/XXXX. 

The accuracy of their reporting is in question as they should 60, 90, 120, 150, and 180 delinquency, but not reporting of 30 day delinquency. Additionally, attached are 3 screenshots : XXXX 1 and 2 are from a credit report pulled on XX/XX/XXXX and the 3rd XXXX screenshot is from an older credit report from XX/XX/XXXX showing on XXXX reporting with conflicting dates and delinquency time frames. 

I'd like proof of all payments, non-payments, etc from the loan servicer as well as from XXXX XXXX XXXX. I'd also like documentation from XXXX XXXX XXXX that they requested, approved, and accepted this on XX/XX/XXXX and not before. 

I'd like all record provided from the dates of XX/XX/XXXX to 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 04/22/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Here are the details in summary : The original debt for a credit card opened XXXX/XXXX/XX/XX/XXXX was with XXXX XXXX XXXX for {$1300.00}, and was charged off due to my inability to pay. 
The debt was bought by Asset Acceptance who is asking me to pay {$2500.00} instead of the charged off amount. They have a account XXXX XXXX of XXXX/XXXX/XX/XX/XXXX instead of the original date. 
In the process of cleaning up my credit report, I disputed the amount remaining on my report with XXXX XXXX, and they changed the balance to {$0.00}. 
Asset Acceptance updated their entry from a XXXX XXXX, to an open account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Loan extension requested from ten year term -- -- to more additional years on time payments-NOT AN OPTION! INSTRUCTIONS- The company made it an application loan modification ... XX/XX/XXXX- Sent many faxes with delays-185 pages-SHOWING ASSETS AT XXXX CASH and two homes no consumer debt late payments -or concerns- Many delays- Called with Delay rejected underlined items vs. circled line items then went to bank circled items and rejected cause header information was not on the page only showed the account number which matched the prior submission. Required me to send three times delaying pkg from XX/XX/XXXX to XX/XX/XXXXn still 60 days from payment being late- These policies delayed kit from going to loan underwriting for 5 months. 150 days! Told thirty-days evaluation was required -- - XX/XX/XXXX They needed more time no commitment to when my decision would be made. XX/XX/XXXX They requested XXXX payment and two more trial payments of XXXX without any commitment I submitted this early-There is no reasonable explanation for late payments. " Loan was current and paid XX/XX/XXXX bill payment from XXXX XXXX but was rejected for interest only -- and returned not the full balloon payment -- for 121st payment. On XX/XX/XXXX Received loan modification for nine years only payment XXXX was XXXX prior- XXXX first mortgage exists with escrow account total is not viable. So no workable deal was made being disabled -- -a 20- year product would be viable -standard in loan industry today they made it nine. Want to refinance to reasonable payment-now lenders will not- Can not secure a loan with late notes on mortgage -- - forced to five percent interest and payment is not AFFORDABLEn with nine years as term for interest and balance after XXXX reductions in the process. Most probably I will be forced to sell my home. This is not fair or reasonable -policies favored investors and have not been true and forthright-correction 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 explanation
Consumer complaint received 05-10-2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working with Caliber Home Loans on a mortgage modification. I had requested a fixed rate mortgage but they gave me an adjustable rate mortgage. I think that their practices are predatory. I want a fixed rate mortgage. They also did not give me enough time to examine the mortgage modification paperwork. I received the paperwork Friday, XXXX XXXX and they required that the documents were received back by them by Wednesday, XXXX XXXX. I had wanted to appeal the modification to get a fixed rate and a more affordable payment but they purposefully did not give me enough time to review the paperwork or to have an attorney review the paperwork. When I called them requesting more time they denied my request and told me that it was " take it or leave it ''. I believe that this is is another one of Caliber Home Loan 's predatory lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'VE BEEN GETTING A LOT OF STRANGE JUNK MAIL LATELY, PREAPPROVALS FOR HOME EQUITY LINES OF CREDIT WHEN I DONT OWN A HOME. I HAVE BEEN GETTING AN EXTREMELY HIGH NUMBER OF CREDIT AND LOAN OFFERS AS WELL. THIS WEEKEND I DECIDED TO TRY AN IDENTITY PROTECTION SERVICE, XXXX. I SIGNED IN AND WAS SHOCKED TO DISCOVER THAT MY SOCIAL SECURITY NUMBER HAS BEEN CROSSED WITH SOMEONE ELSES. I HAVE AN ALIAS AND THEIR NAME IS NOT EVEN CLOSE TO MINE. I FOUND COUNTLESS ENTRIES ON MY EXPERIAN CREDIT REPORT THAT ARE N'T MINE. REVOLVING LINES OF CREDIT, MORTGAGES, LOANS, NAMES AND ADDRESSES I HAVE NEVER USED BEFORE AND PLACES I 'VE NEVER LIVED. SOME OF THIS INFORMATION CROSSED OVER ON TO MY XXXX XXXX REPORT AND XXXX REPORT AS WELL. I ALREADY CONTACTED EXPERIAN AND THEY ARE IN PROCESS OF REMOVING XXXX ACCOUNTS AND XXXX PAST ADDRESSES FROM MY REPORT. I HAVE BEEN AT THIS ALL DAY AND I AM SIMPLY EXHAUSTED. I AM UNABLE TO GET THROUGH TO XXXX BECAUSE THEY ARE CLOSED ON THE WEEKEND. I 'M TOO TIRED TO CONTACT XXXX XXXX TODAY. ODDLY ENOUGH, I RECENTLY DECIDED TO PURCHASE A HANDGUN. WELL, I ATTEMPTED TO PURCHASE ONE. I WAS UNEXPECTEDLY DENIED THE PURCHASE BY THE INSTANT CHECK SYSTEM. I COULD N'T FIGURE OUT WHY OR WHAT HAPPENED. MAYBE THIS HAS SOMETHING TO DO WITH IT. I HAVE NO IDEA HOW TO FIX THIS PROBLEM AND I CERTAINLY DID N'T CAUSE IT. I ALSO HAVE NO IDEA EXACTLY HOW DEEPLY COMBINED THIS DATA XXXX UP IS.

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 01-02-2016 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I noticed a debt listed on my credit report. It shows {$300.00}. I disputed this once but was never given any info as to what it is for or any type of validation. Because I was not properly notified of this debt and given the 30 days allowed by law to dispute the debt or any potion thereof ... I am requesting this be deleted due to failure to provide me with notification and validation of what this is.

Company response to consumer: Closed
Consumer complaint received 08-01-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: For the past month, my wife and I have been in the process of refinancing our home mortgage. The new loan has been approved and we were to close XX/XX/XXXX. This did not happen because Bank of America refuses to remove an old equity line lien. They should have done this in XX/XX/XXXX and they know this. For the past month they have lied to both my title company and myself. They keep saying they will remove the lien and provide proof of this to the title company in 5 to 10 working days. As of this writing, they still have not removed the lien. Every time either I or the title company contacts Bank of America, we get the same runaround. In my lifelong experience, this is typical of this particular bank and its employees. Meanwhile, my loan closing is being held hostage.
This is being done purposely and there is no other explanation.

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 01/22/2018 about Student loan (Private student loan) with WELLS FARGO & COMPANY (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Please call me about Wells Fargo calling student loans student loans and then accruing interest during the forbearance period, then popping an amount on the poor student as double what they borrowed when the forbearance is up and also reporting the amount on the co-signer when the loan is still in good standing. i.e. the loan was NOT a student loan, they accrued interest from the first day all through while the student was in school, Our XXXX loan became close to XXXX when forbearance was up. We did not know that, they did n't make it clear and they " called it '' a student loan back in XXXX right after the XXXX and congress foolishly handed the reins to banks on student loans and destroyed countless student loan companies. These were supposedly federally insured loans and were advertised as such, at least that is what we thought we were getting. Wells Fargo took advantage of them and XXXX of these loans are getting called now as students get out of school and are finding out they owe twice or 3 times what they borrowed. Disgusting, disgusting, nasty practice and XXXX XXXX should pay for their greed,

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 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent Experian a letter on XX/XX/XXXX, asking them to correct five mistakes on my credit report. They have not responded yet. They are supposed to respond within 30 days.

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 03/15/2018 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: Information is missing that should be on the report

Complaint: My mother has a credit card with XXXX  XXXX and I have been an authorized user for years. When I go to view my credit report XXXX has my XXXX  XXXX card information as well as the card I'm an authorized user on however Transunion does not. I contacted transunion and was told to call XXXX XXXX. My mom called XXXX  XXXX and was told that nothing has changed on their end. I'm still in the system as an authorized user and I needed to contact transunion. 

My mothers name is XXXX XXXX XXXX .The account was opened XX/XX/2010 and has a balance of {$2100.00}.

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 explanation
Consumer complaint received 03-09-2017 about Mortgage (FHA mortgage) with AmeriHome Mortgage Company, LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: The county I live in sent a tax bill for XX/XX/2016 that was about {$1600.00} more than what I actually owed. I contacted them asking why my payment had gone up {$300.00} a month and literally had to spend hours asking them to explain why before I came to the conclusion that my taxes must have been messed up. I contacted the tax assessor office the same day and they contacted me shortly after saying they sent a refund back. I emailed Amerihome telling them they were sent a refund and it has taken them a month to process that. I STILL do n't have an updated statement ans was told they would send one shortly, but then was also told in that email that my payment still is going up by {$100.00} a month. I have had to email AGAIN to try to find out why my payments are still being increased even though I straightened out the tax issue and I am waiting on a response. I have never had to spend such a ridiculous amount of time trying to do what essentially should be their job. I do n't understand why my mortgage is being increased after resolving the original reason for the increase, I ca n't get any reasonable answers when I call them - the people I 've talked to when I call give the impression that they have no knowledge of the mortgage process and i am beyond frustrated. I need an answer that makes sense and I need my mortgage put back to the amount I should owe with no increase! I just received another statement in the mail today that shows I still owe way more than I actually do from the incorrect tax amount.

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 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have attempted Equifax Consumer Services multiple times ( 8 ) in an attempt to remove XXXX un authorized inquires off of my credit report. During each attempt to have these inquires removed Equifax representatives have told me that they disputed them and I should have my results within 30 days. When my results came back 30 days later they say they are factual records. I have asked for proof of how they are factual records, but have never received anything from them to support there investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I requested all XXXX reports. I got through the XXXX process just fine. Got that report okay. 
But the " Get your next report '' button on the annual report webpage does not respond. So there is no way to continue on to the next XXXX reports that I requested. So I went back into the request process, and now Experian says that " Our records indicate that you have already received your free annual credit report from Experian. '' I have not received anything from either Experian nor XXXX yet. 
How can I get them now? The Experian " Contact '' page does not work. It lets you enter comments and then it displays an error message and tell you to re-enter the contact info. So there 's no way to get someone at Experian to even know there 's a problem. This is really frustrating.

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 09/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I wrote to all XXXX reporting agencies. It a XXXX judgement that is paid in full to be taken off my credit reports

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 03/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Affiliated Acceptance Corporation (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had a membership with a gym ( XXXX in XXXX VA ) and moved out of the area before my membership was over. I called the gym immediately and submitted all required documentation of my change of address as requested, and the gym agreed that I would not be held for the remaining balance, nor would I receive any further charges. I am being fraudulently charged for the remaining balance through a collection agency, and I am not the only member of this gym facing this issue. 

Also, the debt collector also filed the debt as a late payment. Even if I owed this debt, which I do n't, a late payment does not exist with the debt collector, and is fraudulently damaging my credit score.

Company response to consumer: Closed
Consumer complaint received 11/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I contacted Transunion about 3 months ago approximately in referenced to an unauthorized inquiry. I receive an alert from XXXX with an unauthorized inquiry from a company called XXXX on XX/XX/2016. I requested for Transunion to dispute which they refused and I am entitled to dispute any fraudulent information on my credit report. What is extremely upsetting, is that there were fraudulent inquiries on my credit report a few months ago and I was informed to contact the police department and they would extend the fraud alert to the extended fraud alert for seven years and it was not applied as informed. I called Transunion and submitted online the case number from the XXXX Police Department, case number XXXX Officer XXXX. This company should have contacted me if the fraud alert was applied. I am asking for the immediate removal of this fraudulent inquiry. I contacted XXXX XXXX and they informed me to dispute with Transunion,

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