milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
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: XXXX XXXX credit card not receiving statement for month of XXXX 2017, which was paid within the 30 days and they are showing 30 days late negative on my credit reports. I have always been on time with my payments

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Debt collection (Other debt) with Stuart-Lippman and Associates, Inc (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I recently discovered this collection account on my credit report. I have no idea what it is about and never received a letter of right to dispute. Credit reporting laws require that I be given proper notice and time before any collection activity is started against me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Student loan (Private student loan) with Social Finance, Inc. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On  XXXX   XXXX ,   XXXX  , SoFi sent an email saying my interest rate had been miscalculated for a short period ( as part of  the Auto Pay benefit ), and that SoFi would  credit my account during the first week of  XXXX .     By  XXXX   XXXX , nothing had shown up. I called SoFi and was told it would be done two weeks later, by  XXXX   XXXX .     By  XXXX   XXXX , nothing had shown up. I called  SoFi for the second time, and was told it would be done one  week later, by  XXXX   XXXX .     By  XXXX   XXXX , nothing had shown up. I called  Sofi  for the third time, and was told that it would be taken care of during the month of  XXXX .     Every time I call, I 'm given a new date, but my account is never credited.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax reports XXXX account incorrectly. Account status is PAID IN FULL. They report it as collection/charge off. The account is paid in full. That is the CURRENT STATUS, and the current status is what is required to be reported by the Fair Credit Reporting Act. The 24 Month payment history should show XXXX, as in no report, as the account was closed in XX/XX/XXXX, there was no reporting from XX/XX/XXXX until XX/XX/XXXX. It was disputed, and was paid in full in XX/XX/XXXX. The reporting should show 3 months of late payments, and then a charge off XX/XX/XXXX, then it was closed, it should show XXXX, until XX/XX/XXXX when it should show pays as agreed, then should show XXXX for XX/XX/XXXX and after that. Balance should be {$0.00}, actual payment amount should be {$1000.00}. The report should show charge off amount of {$410.00}. Date closed should be XX/XX/XXXX, as they re-opened the account to accept full payment, and XXXX agreed at that time to report the account as paid in full, in exchange for the disputed payment in full of {$1000.00}. Comments should read Paid in Full after disputed charge off, the account reporting is still under dispute. 
XXXX promised the consumer to show the account as PAID IN FULL STATUS when they accepted the disputed amount in XX/XX/XXXX. Please correct this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (I do not know) with American Credit Resolution, Incorporated (GA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: American Credit Resolution inc. 
XXXX XXXX SR Account Manager XXXX Paid {$200.00} to this company because they were threating me. My wife thought she was paying a loan I requested but it was all a scam. How do I recover {$200.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Rewards

Complaint: I applied for the American Express Platinum card with a XXXX Membership Reward point offer if I spent {$3000.00} in the first 90 days. Application date XXXX/XXXX/16. 

I spent a total of {$3200.00} on the card excluding the annual fee that I paid and met the bonus requirements. The XXXX point bonus was posted to my account on XXXX/XXXX/16. 

In XXXX, I was reviewing my personal finances and decided that I wanted to eliminate some expenses if possible. I decided to reduce my credit card annual fees, but I wanted to stay at American Express for my credit card needs. I cancelled my American Express Platinum card and instead opened a American Express Everyday card. To this day, I am using my American Express Everyday card as my primary spending card. 

On XXXX/XXXX/16, the XXXX Membership Reward points were deleted from my account without any explanation. I only noticed this when I logged into my account. 

Upon calling to resolve the issue, which I assumed was an error, I was routed to many different representatives and told that I cancelled the credit card and therefore forfeit the bonus ( which is clearly not a part of the offer that I had applied for ). I tried my best to work with American Express on this issue, however there was no resolution. 

I met every condition of the terms and conditions for the XXXX point bonus. I held the American Express Platinum card for almost 4 months before deciding if I really wanted to keep the card, including 30+ days after the award was granted. During this time, I paid {$110.00} in annual fees in the card. 

If I 'm unable to get the XXXX points restored to my Membership Rewards account, I 'm willing to continue with Arbitration on this issue as it is clear that I have been unfairly mistreated. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX charged {$49.00} to my AM Express card for anti-virus software on the basis of an " automatic renewal '' provision in the prior year 's delivery of software. I attempted to advise them not to deliver any product. They say I was unsuccessful in my attempts and therefore I owe them the fee. I have disputed this through my credit card. 

They appear to premise my desire for their product on an automatic renewal process. While viewing the " automatic renewal '' as a scam unto itself, I also contend that they intentionally make difficult any efforts by consumer to " decline '' their product. I made reasonable efforts to notify XXXX that they chose not to heed. 

Attempted Communication : I responded to each email that XXXX sent to me on this topic in XXXX and XXXX of 2015. However, responding using the method of their choice ( email ) and to the address they use to contact me - resulted only in an email response to me indicating it was an " unmonitored '' email box. XXXX got my email but chose not to review the content. They chose to put some hurdles for customers to overcome to communicate and stop XXXX 's unsolicited contact. 
o XXXX 's automated response said, among other things, that I could find out more about my options by creating a customer account and identity with them. This was not an attractive option for a company from which I was trying to disengage. 
At this same time, I called the customer support telephone number listed on their website. After working my way through their automated phone menu ( no human being to speak with ), their system thanked me and hung up. I tried this a XXXX time with the same results. 
Finally, I sent XXXX a short note saying I did n't want their product. XXXX noted in their justification for successful deliver to me that they did not get a " fail to deliver '' notification. Similarly, with my note - I did not get a fail to deliver notification. In hindsight, I regret not sending it certified mail and keeping a copy. 

Product Status : XXXX 's argument may be that I should pay for a product or service that I possess. I do NOT have XXXX on my computer. I use XXXX. 
o If I received a software product from XXXX, I could not " return '' it using any method that I as a common user could technically perform. I immediately deleted any program with the XXXX or XXXX term. 
o I have attached a screen shot of my computer to show that I have XXXX and do NOT have XXXX. 
o I am willing to make mutually agreeable arrangements for anyone who wishes to do a more sophisticated review of my computer to ensure I do n't have and XXXX product. 

My biggest concern is that, under XXXX 's process, I may NEVER be able to stop them from annually charging my credit card. 

In closing, I still do n't believe this charge was legitimately authorized. I think this is a scam where companies make it difficult to stop or contest the charge. 

XXXX XXXX XXXX XXXX XXXX XXXX, MI. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have XXXX paid tax liens and a judgment on my Transunion and XXXX that are still showing when XXXX deleted them. I would like them removed from my Transunion and XXXX report as well for consistency in 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 non-monetary relief
Consumer complaint received 08-03-2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (PA).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: I opened a checking account with Huntington Bank online on X/XX/2017, and my wife opened a checking account on X/XX/2017. My son transferred {$2000.00} each to my account and my wife 's account on X/XX/2017 from his checking account at XXXX XXXX. We tried to return the money to his account by transferring, but my account and my wife 's account were frozen. We were locked out of our online accounts, and had no access to our funds. I did contact customer service and was told that the accounts were under investigation for a possible fraud. I was also told in one instance that the remaining balance for my account was {$2000.00}. My son tried to transfer that money to his checking account on X/X/2017 initiating from XXXX XXXX, but it bounced back on X/X/2017 due to the freeze. This is reflected in the statements for his checking account, as is the initial transfers. Please see the transaction descriptions for corresponding account numbers. Finally, we closed my account with Huntington Bank on X/X/2017 and my wife 's account on X/XX/2017. We were told over the phone that the balance of the accounts would be sent to us. Attached are the letters sent to us regarding the account closures. For my account, the letter states that the remaining balance was XXXX. I received no money. For my wife 's account, the letter states the remaining balance was {$300.00}. A check for that amount was included. I 'm not sure how that amount came to be, but I suspect it had to do with the {$300.00} bonus for opening the account and depositing {$2000.00}. We have called Huntington Bank many times and even sent a letter. The people answering the phones have no idea on the situation, and we have never been allowed to talk directly to the fraud department, which also never contacted neither verified with us via any format such as letters, e-mails or phone calls. Every time we called, nobody has been able to tell us where the originally deposited money is or provide records of transactions in the accounts. We did not receive any statements until I sent a letter questioning where our money was. Those statements are attached here and do not include any time frame when money was deposited to the account or withdrawn. The one for my account reflects X/X/2017 to X/X/2017, and the one for my wife 's account reflects X/X/2017 to X/X/2017. Our accounts were n't even open during those periods, and we did n't have access anyway. Furthermore, the statements all the way from initial transfer to now for my son 's checking account show that no money has ever been sent there from Huntington Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am disputing account number XXXX with LVNV Funding because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted LVNV Funding to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. The account is also being reported as having a credit limit when according to the Credit Reporting Resource Guide & Metro 2 standards, credit limits only pertain to charge cards or revolving credit. Not collection accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Struggling to pay mortgage

Complaint: Ocwen continues to give me a run around. Ocwen continues  to refuse to include both non borrower 's income and borrower 's income to evaluate my mortgage for a loan modification.  Ocwen has failed to  accurately evaluate my request for mortgage assistance based on my household ' source of income that has already been submitted to them.    Ocwen 's notic e dated  XXXX / XXXX / XXXX , states, " The denial decision was based on the monthly gross income you reported, which was {$430.00} '', see notice attached.    Ocwen 's no tice dated  XXXX / XXXX / XXXX , states  " I   ncome calculation : you have two sources of income : Social Security income and contribution from two non-borrowers '', see notice attached. The notice includes both the income amounts and calculations from both non-borrowers and borrowers income.
I have repeatedly told Ocwen that there are both non-borrower 's income and borrower 's income that pays for the mortgage, previously documented and incomes have been submitted.
Ocwen continues to ignore and deliberately refuses to evaluate my request for mortgage assistance for a loan modification based on both my non-borrower and borrower sources of income. Ocwen contines to give me a run around, fails and refuses to correct errors, and sends me inaccurate notices and denial letters. Ocwen 's incompetence and improper practices has cost me money.
I am in imminent default and I request that my submitted mortgage assistance application be evaluated for an affordable loan modification under the Federal HAMP Tier I and Tier II guidelines.       I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Loan servicing, payments, escrow account

Complaint: It is apparent to me and my family now that Nationstar mortgage will never investigate this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There is a delinquent payment posted to my credit report for my XXXX account ; however, this was the fault internally of XXXX when they transferred out of XXXX XXXX. I was in income sensitive forbearance when this transfer occurred. I moved to Florida to pursue work with my BA Degree, which I had not obtained up to XXXX. I had submitted the proper forms for deferment. I was in a major car accident where I had to go through XXXX in XXXX. I never received any type of correspondence from XXXX regarding the status of my forbearance. I then started to look into going back to school to obtain my Masters Degree. I was accepted in late XXXX. It was not until I looked at my credit report that I noticed there was a delinquent payment noted on my XXXX account. From when XXXX XXXX was the servicer back in XXXX XXXX. This was when I was still in XXXX and determined to be XXXX XXXX XXXX from being XXXX by a XXXX XXXX, and I lost my job due to this injury that was not my fault, and I have hundreds of supporting documents from the lawsuits. I never received written or email notification like I do from XXXX XXXX XXXX, and my current XXXX  Loans. I was in injury and jobless forbearance in XXXX, and then I went direct into my MBA degree in XXXX. Also, it is only 1 payment marked as late, and it is marked as 120-149 Days late under worst payment status. under Times 30/60/90 days late XXXX appears. How can I not have marks under 30, 60 days late and a huge hit on 120-149 when I was entering school, in rehabilitation for injury, and in forbearances with my other loans. I filed all the correct paperwork out. This is the fault of XXXX and their mishandling of digital and physical paper files, and not sending out proper communications. Also, this hit is the only derogatory mark on my credit and it is making it so I can not even rent my own apartment or condo. This mark is unfair. I have already disputed it twice, and there is a mark consumer disagrees and previous dispute on my credit report in which my broker stated I would not be able to get a mortgage until that is removed, and XXXX Refuses to remove it. They hang up on me every time I try to talk to them about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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 sent this company a dispute letter dated XXXX XXXX, 2017. Here I had pointed out some blatantly incorrect trade line information that my credit report contained. I waited the allotted 30 days only to find this company had not rectified my report. At this time I am reaching out to the CFPB and asking they investigate this company, as on the BBB website I have found thousands of complaint against this company where folks were suffering from the same mistreatment as I have.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Citi XXXX XXXX XXXX I had a balance of approx {$3000.00} in XX/XX/XXXX, I paid {$2000.00}. In XX/XX/XXXX we made some large purchases ~ {$7000.00} for an upcoming trip. Before I even received my statement I paid {$7500.00}. I will admit I did not realize I had not paid the complete amount for the previous period. Then I receive the XX/XX/XXXXstatement. I am being charged for interest in items all through the next two statements!!! According to their documentation : " If you do not pay the New Balance in full by the due date, you will not get a grace period on purchases until you pay the New Balance in full for two billing periods in a row. '' XXXX XXXX does not do this. I guess I need to read the detail in the future. I think this is criminal how they treat their customers. Everyone should know about this. It is very wrong.

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 02-10-2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX Experian said in there relief on original case XXXX they would remove the XXXX XXXX credit cards that are not mine. I have a updated XXXX/XXXX/2017 credit report from experian they do n't have to listen to you. they not removing these XXXX fake XXXX accounts from my credit report. if you could contact them about the relief they told your agency. It would be greatly helpful. They are on my credit and ruining my credit because they will not do what is needed and what they said they would do. I do n't know how to show they file from my first case information in case 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 09/14/2015 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Other

Complaint: I wanted to purchase a TV. I went on the HHGreg website and reviewed an opportunity to apply for a same as cash offer to buy a TV. I went through the purchase process and when it was time to get financing, there was no link to the application. So, I went back to the offer page and applied that way. I was approved and given an in store reference number. However, I could not use the reference number to pay online. I was also offered a XXXX % discount by HHGreg if I signed up to get emails, I did that. I was also going to use that discount for my purchase. I then called Synchrony Bank to see if I could possible get my account number in order to use it to purchase the TV on line. They said it was not generated yet. Due to work, I was unable to get to the store by Saturday when the sale was going to end. I then received another email ( from HHGreg ) saying the sale was extended to Sunday. On Sunday, I went to the store. That morning, I checked the internet and the sale price was still the same as it was on Thursday ( {$1100.00} ). I went to the store, and the sale associate said the TV was now a {$100.00} more ( {$1200.00} ). They would not pull up the website to verify it. They then told me the same as cash offer changed to 24 month from 36. So, I left the store. I went home and went back on line. The price of the TV was {$1100.00}, so I went through checkout. When I got to the end, I called Synchrony Bank. The IVR matched my phone number, I answered all the security questions, and asked for my account number so I could purchase the TV. The rep transferrered me to another rep who refused to disclose the account number. She said that HHGreg prohibited them from giving me my account number. I told them that I was purchasing a TV and that I would be receiving it in 7 business days anyway. She still refused. I asked to be transferred back to CS and closed my account. I feel as though they were playing some bait and switch game. Synchony bank now has my personal information. I have a hit on my credit report and I 'm not going to use the credit I was offered. I 'll never do business with either company agian.

Company response to consumer: Closed with explanation