milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: no data for XXXX thru XXXX..What happen between XXXX and 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 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
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: Last month, in XX/XX/XXXX, a Collection Account by XXXX XXXX XXXX was placed on my Equifax Credit Report. The Date of First Delinquency shows as XX/XX/XXXX, which is 6 years ago ; Why wait 6 years after the Date of First Delinquency to place this account on my Credit Report??!! The Original Creditor for this Collection Account is XXXX XXXX XXXX XXXX XXXX . I have no knowledge of doing business with this company AFTER my Chapter XXXX Bankruptcy filing in XX/XX/XXXX, which was 8 years ago. The Date of First Delinquency showing with this Collection Account must have been RE-AGED to the year XX/XX/XXXX, in order to place it on my Equifax Credit Report ; RE-AGING the Date of First Delinquency is a serious FCRA offense. The CORRECT Date of First Delinquency for the Original Creditor ( XXXX XXXX XXXX XXXX ) has to be over 7 years, therefore it is TOO OLD to be on my Credit Report ... Reference FCRA Section 623 ( a ) ( XXXX ) ( A ). This erroneous Collection Account is currently holding up processing of my Home Refinancing application.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I received a alert on my credit monitoring ... XXXX a collection item was reported to my Experian credit file as a negative item from XXXX XXXX ( {$170.00} ). I contacted XXXX XXXX immediately and they faxed on XXXX/XXXX/2016 me a letter that this item should not be on my credit and they have requested all credit bureaus to delete/remove this negative item from my files. 
My credit is very good as I have no negative items and have never been late on any payments. This negative item should not be on my report ... ... and has cause my Experian score to drop XXXX points. It needes to be removed I am a veteran and am in the process of getting a VA Loan to purchase a home and I need to immediately have this negative item removed from my credit report. My efforts contacting Experian 's customer service to provide me with a fax number or email address to send them this letter from XXXX XXXX and remove this negative items has been frustrating. They refuse to give me information and say it will take 30 - 45 days to remove this negative item from my credit file. 
That is not acceptable ... ..it is critical that this item be removed immediately as it is jeopardizing my ability to get a VA Loan or are getting the lowest interest rate possible. 
I would greatly appreciate if you can contact Experian immediately and let them know that there is an urgency for them to remove this negative item from my credit file with the documentation of the letter from XXXX XXXX that is attached.

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 06-08-2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NV).
Issue: Fraud or scam

Complaint: My complaint is against Paypal. Back in 2001 I was on a Paypal account which had a chargeback. Since then the company I left the company I had been working with and set up my own Paypal account. About 10 years later, Paypal took away my personal account and stole the money that was in it at the time ( XXXXXXXXXXXX ). I have tried to work with them since then and their representative told me, and I quote " you are simply XXXX ''. I ask for the help of the CFPB here. I did file a XXXX statement when they stole the money which I will attach to this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I would like to get a settlement for this debt. .. Information on how to close this account and get it removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I recently acquired a Loan History Transaction breakdown from INDYMAC FEDERAL BANK HOMELAND SERVICING Pg XXXX ( XXXX ) and Noticed a Discrepancy on XXXX XXXX ( Pg XXXX ) were it changed to IndyMac Mtg Svcs /a division of Onewest Bank I noticed the principal did not change for the Year and escrow was not the same. 
Also Ck # XXXX was a Full Settlement Check I never received copies of. 
Violating TILA and RESPA

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Debt collection (I do not know) with Hunter Warfield, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from Hunter Warfield I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Hunter Warfield in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/14/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: i was a victim of mortgage fraud my home went into foreclosure but has since been reinstated also there is a account that appears on my credit report stating i owe XXXX on my XXXX chevy mailbu that vehicle was wrote off 4 years ago and i sent experian that complaint paper showing XXXX never responded to the Ohio Attorney General also i have disputed these account more than 4x also im very frustarted that experians credit report is being used in most of my credit denials or my higher interest rated also police reports staing possible identy theft and fraud where also sent to company as part of the dispute process now i am currently trying to refinance and get a home equity line of credit i had been going back and forth to court for 2 years for case now to be closed and i still cant move forward when i have the equity in my home now my credit score it the hold up due the the incorrect payment history amount also the XXXX account stating i owe XXXX should be removed due to XXXX wrongfully writing that vehicle off then tell me i do n't exist

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-04-2016 about Mortgage (VA mortgage) with U.S. BANCORP (CT).
Issue: Loan modification,collection,foreclosure

Complaint: We filled out our bank 's short sale/ deed in lieu paperwork in XXXX. We received an offer from a potential buyer in XXXX. Our file has been coming in and out of gatekeeping with US Bank since XXXX XXXX, XXXX. Our attorney has called US Bank every business day from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and there has been no change in status. We believe that the lender delay is merely a tactic to increase the amount of the underlying arrearage so that US Bank may increase their fees. We wonder if US Bank has a record of this type of glacial processing.

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 02-02-2017 about Credit reporting () with Experian Information Solutions Inc. ().
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a Public Collection on my credit report that has been satisfied and closed years ago. I have disputed this several times, but the credit reporting agencies ( XXXX, Experian, and XXXX ) but the will not remove it stating it is accurate. 

The Lien is incorrect, I have searched the Georgia Department of Revenue delinquent taxes and I am not on this list. Please attached screenshots. 

Any assistance would be much appreciated. 

Thank you! 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 non-monetary relief
Consumer complaint received 12/27/2016 about Mortgage (VA mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus has systematically misapplied my payments and then harassed me for payment. In the past, I had to send a separate fax requesting that any overpayment amount be applied to the principal balance each time I made a payment. Otherwise the overpayment would be put into escrow. All of a sudden, they started applying the entire payment to principal, charging late fees for missing payments and start harassing me by phone for an additional payment. Each time, I had to go digging up payment information to prove I already made the payment. They correct their error, credited the late fees and then made the same error again the following month. After the 3rd time I was then told it was because I did not tell the person that took the payment that they needed to use a special code to make sure the payment that I 'm making is applied properly. However, according to the letter they sent me in reply to my request for compensation they wrote " When payment is received, it is first applied to satisfy the next open installment on the loan. '' So if my payment is due on the XXXX and I make a payment 1 or 2 days before the due date, then logically the payment due on the XXXX would be the next open installment. Even in their reply letter they acknowledged making the error again stating " that another payment in the amount of {$1000.00} was received on XXXX XXXX, 2016 and was applied to the loan as a principal balance reduction. '' This was a payment that I specifically made by phone and requested that the special code be used to make sure it was applied properly, but it was n't done. There needs to be some kind of accountability. The last harassing call I receive the caller refused to call my wife. I repeatedly requested she speak to my wife since I was not able to provide the information on the payment that was made at the moment. Even after explaining that I was in a business meeting and was not able to stay on the phone. She kept insisting that I make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax has me listed as having XXXX credit cards, the XXXX credit card was closed out and replace with a new number and that account should be removed from the credit file, the only XXXX account that should be listed is the one that 's says open XXXX XXXX, XXXX that was last reported on XXXX XXXX, XXXX. By them having these XXXX accounts listed it dropped my credit score by XXXX points which is not right

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MI).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I used to have this credit card ( Chase Freedom ) account since XXXX XXXX, 2012. And it is one of my oldest accounts. I applied for a chase XXXX credit card and was declined. When I received the decline letter in the mail got also a card cancelation letter for my Freedom. for " number of accounts currently in use '' ; " too many accounts opened recently '' My credit score is XXXX. I did not do anything wrong. This is ridiculous technically they are XXXX my entire financial situation and credit record with no real issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-10-2016 about Consumer Loan (Installment loan) with Conn's, Inc. (TX).
Issue: Managing the loan or lease

Complaint: I signed up for auto payment for conns to automatically draft my payment each month. The auto payment has not worked. I noticed in XXXX that my payment was not drafted. I made the payment and called into the support line next day. Rep assured me the account was fine, payment was made and no late payment would be reported to my credit. He also assured me that the auto payment was fixed. Today, I receive a late payment on my credit report. My payments are still not being drafted on either of my accounts and now I can not even login to the website. I try and go through the process of resetting password on my account and never receive an email with updated info. The process does not work! 

I have never received a statement from Conns. I have never received a payment book. 

Because Conns was placing back to back to back calls to my phone within minutes of each other, I asked them to limit the calls to my phone. They have stopped any and all communication since then. 

Please fix my credit report because of your errors in the payment process

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. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This complaint is regarding the recent Equifax Security Breach that I was made aware of in news media on XXXX XXXX, 2017. My understanding of the situation is that " hackers '' compromised the Equifax systems, potentially exposing personal financial and other information ( including social security numbers, credit card information, and other personal details ) for a large number of people. I used the feature on the Equifax website ( https : //www.equifaxsecurity2017.com ) on this same day which informed me that " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I am not satisfied with this outcome, as it provides no actionable information to inform me of my vulnerability or to protect my financial and identity information. I have also placed a fraud alert on my credit monitoring.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I applied for Discover student loans consolidation on XX/XX/XXXX, in the amount of XXXX. I was told by the company that you may dispute the claims, and within 30 days there would be an additional soft pull of your credit report once all dispute info was obtained. Customer service stated that they would not be conducting another soft inquiry. On XX/XX/XXXX,  My credit was pulled a 2nd time within 30 days without my permission. i have spoken with several managers, who did claim that the practice was wrong, and should not have been conducted as I was told something different, than what was done. Here we are, XX/XX/XXXX, and the inquiry has yet to removed from XXXX. This is the only inquiry left, discover removed them from the rest of my accounts. Discover claims to have submitted to the credit bureaus, but this is currently showing on my report. Please help. I have been speaking with supervisor XXXX, who has helped tremendously, but this has extended too far.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Debt collection (I do not know) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am being XXXX XXXX and forced to pay for a debt that I did not create. See attachment. Account # XXXX # 1 ) Name the lender XXXX XXXX XXXX received the transfer of the account from prior to XX/XX/XXXX? 
# 2 ) What was the amount of the transfer? Was it a credit purchase or acquisition?
# 3 ) XXXX XXXX XXXX in XX/XX/XXXX transferred the account to whom? Was the account paid for by credit or acquired as in the purchase of the debt? 
# 4 ) XXXX XXXX XXXX informs that they hired XXXX XXXX XXXX XXXX to service the loan and claims to have transferred the loan to a lender, please name the lender the  account was transferred to?

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (FL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I received a letter from an attorney called Linebarger Goggan Blair & Sampson LLP claiming I owe {$15.00} in tolls on a vihicle with licence plate XXXX. I do not have a vihicle with that licence plate. I also have a sunpass that automatically removes funds as needed and is in good standing. It says that " XXXX XXXX XXXX ( partner ) is licensed by the Florida Barr but does not provide a Barr Number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Alliance One has sent me a statement with the threat of a lawsuit on a parking ticket dated XXXX/XXXX/2009. the collection agency also is threatening to execute on a judgment on a matter which has not been litigated ( falsely insinuating that a suit has been instituted ). Alliance One also is displaying on their correspondence that I am employed, falsely insinuating that a income excution and garnishment will be issued. the outstanding debt refers to parking tickets, however, the collection agency has placed a negative item on my credit reports, therefore creating irreparable damage to my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Rewards

Complaint: Received offer to earn additional XXXX % Rewards Bonus for Being a Valued Cardmember ( footnote ) through XXXX XXXX, 2016, on my cardmember page at amazon.com. 
XXXX % Rewards Bonus : You will earn a XXXX % Monthly Bonus on all new points earned with your Amazon.com Rewards Visa card through XXXX XXXX, 2016. Your bonus points are calculated each billing cycle based on the total points earned during that billing cycle. Points earned in a monthly billing cycle are generally available to be used at the beginning of the next billing cycle ; bonus points earned on Net Purchases, made near the end of a billing cycle may take up to one additional billing cycle to become available. You 'll see points you 've earned on chase.com and on your monthly card billing statement. See Rewards Program Rules and Regulations for details on qualifying purchases. Bonus points are subject to the Rewards Program Rules and Regulations. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. Bonus offer void where prohibited by law. All the Amazon.com Rewards terms and conditions apply. 

When I enquired about why I was n't receiving the bonus rewards, I was referred back and forth between Amazon customer service and Chase customer service, until an employee denied my request. I was denied for various reason. One was that I did n't receive an email invitation, although that requirement is not mentioned anywhere on my Amazon cardmember page. Another reason given was that my inquiry as to why I was n't receiving the bonus was late : in that the enrollment period had expired. There is no reference to an enrollment period in my offer and I had thought that I was enrolled. I had promptly clicked the invitation on my Amazon cardmember page and assumed that I was enrolled. 

I continued to appeal. A Chase employee did offer to credit my account for a few months and advised me to contact her if I wanted to receive the bonus until the program end. I tried to contact the representative by phone on a few occasions. I was unable to navigate the phone menu to her extension because it was n't recognized and because she was not listed in the employees phone directory. I had also attempted to contact her by email. An other employee responded and agreed to honor the approximately three months of bonus points accumulated but refused to honor further enrollment in the program. Additionally, my points may have been adversely affected the month following the bonus addition. 

I had initiated the inquiry around XX/XX/XXXX. I had enrolled in the program a few months earlier. I did n't keep records, because I did n't realize that there would be a problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-09-2018 about Debt collection (I do not know) with ALLY FINANCIAL INC. (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Ally Financial keeps calling me and my parents to try to get my brother 's contact information for money he owes. I do n't know his info and told the company but they keep calling and harassing me anyway. They are calling during my work hours and affecting my job negatively and it is over something that I should not be involved in ( did not cosign or offer to be used as a reference ).

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 03-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: XXXX, XXXX, 2016 {$300.00} I currently have this credit card and I wanted to see if I can please get my late payment erased? I really went through some financial problems and I am currently making my payments now. I will pay the interest difference if needed, but I just don't want to have late payments on my credit report. 

thanks

Company response to consumer: Closed with explanation