milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: 1 ) I called Experian credit Reporting agency regarding My negative remark on my XXXX XXXX XXXX account. The negative remark was caused by my disputing a fraudulent charge on the account which caused my credit score to drop significantly. I provided my social security number, date of birth, address all correctly. I was not able to answer their security questions regarding my current account balances correctly so I they said they could not help me. I asked for a supervisor and told her that I could not start to even fathom how asking for a account balance that is perpetually changing is the only security questions they could come up with in order to help me. I had no issues with XXXX XXXX in verifying my identity and was not asked ridiculous questions about account balances. How could anyone know the date at which they looked at an account balance in order to match up and pass their security questions. Also the fact that disputing fraudulent charges causes ones credit score to drop only encourages consumers to not report Fraud!

2 ) My second complaint is regarding XXXX XXXX Credit reporting agency. I contacted XXXX XXXX in regard to My XXXXXXXX XXXX ( XXXX XXXX ) account information and I disputed account information and the outcome was that XXXX XXXX erased my XXXX XXXX account from ever having existed on my credit report. When I contacted them further they allege that the company XXXXXXXX XXXX ( XXXX XXXX ) stopped reporting. So I contacted XXXX XXXX and they stated that they have been reporting to XXXX XXXX. So I went back and forth and even wrote letters to both XXXX XXXX ( XXXX XXXX ) and XXXX XXXX with no explanation or any pleasant outcome. So I am filing these two complaints in hopes to attempt to rectify these situation and would appreciate some help and a response to these issues!

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 04-06-2015 about Debt collection (Medical) with Quality Asset Recovery LLC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX 2015 I sent Quality Asset Recovery a letter asking them to VALIDATE not VERIFY the debt they are attempting to collect from me. They have also reported this debt to the XXXX credit bureaus without my consent or awareness. I am very upset that they have tarnished my credit with this outrageous claim that I owe them any money at all. They have prevented me from obtaining any future credit and all attempts to communicate with there very rude representatives over the phone have gone no where. They have violated my rights under the Fair Credit Reporting Act and have not even followed the Fair Debt Collection Practice Act which states they have to to stop all collection activity while the debt is being investigated and disputed. They have blatantly ignored my letter to them which I have attached as proof.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: apply for barclays XXXX XXXX XXXX credit card since i shop at XXXX XXXX XXXX  all the time .... got a letter requesting a photo copy of my driver license, social security card, bill from a utilitiy company and a current bank statement .... call to ask them why i need to send them all this and was told it was to prevent i 'd thief ... if the letter with all the requested material was ever lost, could n't someone really have an eazy time stealing my ID?? .seems very idiotic to send all this by mail to prevent ID thief .... when i called to ask them about this they ask me 10 different. questions only i would know and yet they insisted i send the request material or they will not process the application ... the worst part is they already checled my credit report and i have an inquiry already listed by barclays .... its very redundant of barclays credit card company to do this and just seem 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 09/16/2016 about Credit card () with AMERICAN EXPRESS COMPANY (OR).
Issue: Rewards

Complaint: Amex issued me a credit card under a promotion. Called in after i received the card and was tos old m account is eligible for the the promotion and all is fine. points ave been issued, Amex then took the points bas back after 90 days. No letter just action like ike the wild wild west .... Now I am told that I should never been eligibl because i had this account before. 
Why do I have a problem with this behavior. 
1. I expect a letter, amex sends me a letter for everything but not in this case ... I normal get an letter from amex when the CEO taking a ... ... 
2. Called CS after getting the card and before I paid the the fee and where told that i am elegle for the promotion and all is fine on the account. Why does it take 90 days to figure it out? 
3. If the reason " had the card before '' XXXX ; why does it it take 90 days to figure it out, looks like amex has no real handle ( database ) to know or is just incompetent .... 
4. Did amex took the the time to generate revenue & membership fees with the background information that the had at the application date, that they will back out later time ( or wise out ), please explain the timelines & time taken .... 
5. Not possible to get o get written answers from AMEX ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I bought a condo with XXXX other people ( Husband/wife ) 10 years ago. 
They divorced and he declared bankruptcy. The property was quit claimed over to me. I have been making the payments on the loan on my own for approximately 6 years. The lender/servicer is OCWEN. I have called them numerous times and spent hours on the phone with them. I have sent them the quit claim 3 times. It takes FOREVER to even be able to speak with someone, as they say can not find my name on the loan. I have never received a XXXX mortgage interest statement in the entire 10 years that I had the loan. The loan does report to the credit bureaus. I have recently refinanced this loan, so it is now closed. There was a refund check issued and it is made out to the borrower who declared bankruptcy and quit claimed off the property. I have called OCWEN again and am now being toold I need to send a letter to the research department as they once again can not find any of the documents that have been sent to them multiple times. Again, this problem has persisted for over 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Payday loan () with Enova International, Inc. (TX).
Issue: Charged fees or interest I didn't expect

Complaint: lender was ordered to forgive debt - I was not aware

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BBVA COMPASS FINANCIAL CORPORATION (CO).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have an ongoing problem with a website that is servicing  BBVA Compass. I  pay many bills each month, and find thi s one web site to be consistently confusing. I suspect it is not by accident, but by design. I sign in to pay my bill, make all the selections to pay it, verify the information and then get a page that says, Payment Confirmation '' in big letters at the top of the page. Each month I note the time and date that I pay it and save it as a PDF on my computer.     The problem arises when I read the big letters at the top of the page which say, " Payment Confirmation ''. There is an additional step required in order to complete the payment process ; there is a little button at the bottom of the page that you do n't see unless you scroll down. This last step requires you to Confirm yet again that you are making the payment. No other website has this last step, which requires you to confirm the payment before you are finished with the process. As a result it is very easy to miss this last step, thinking you have paid your bill and I have often missed this step. It has caused me to pay several  XXXX  dollars in late fees while paying this account off. I am sure this last step is added by design and I know other customers are experiencing this issue as well. The bank would only need to add a notice on the top, next to, Payment Confirmation '', which could state that a last step is required to complete the transaction, but they wo n't do it.     I have mentioned it to the bank employees several times and have even visited the bank branch to complain about the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The account XXXX Date of First Delinquency has been re-aged on my Equifax credit report as 2014. This account has been delinquent since XXXX. The account has never been brought current. 
Line Item : XXXX XXXX, acct number XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX Line Item : XXXX XXXX XXXX, XXXX LLC. Attn : Research Dept., XXXX XXXX XXXX , XXXX FL XXXX I have disputed this information several times with the disputes department at Equifax. The information will be corrected and then re-aged again.This information has fallen off of my XXXX and XXXX file. I am working hard to correct my credit mistakes and this matter is causing me great distress. I am respectfully asking for your help. 
I have enclosed a copy of my original loan payment history from XXXX ( original loan holder ) with the clear first date of Date of First Delinquency as XXXX ( no more regular payments made after that point, escrow is in the negative ) as well as a copy of my Chapter XXXX bankruptcy from XXXX ( XXXX behind in payments ), making it currently XXXX XXXX XXXX. This account has continuously been sold and resold. XXXX ; XXXX XXXX XXXX then re-added to my credit report and now re-aged. This is a fraudulent practice.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
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 requested that the credit bureau explain or prove how they verified the accuracy of a public record on my credit report. They did not send me copies of documents used to verify the account information. They did not give me the name of the person who verified the information as I requested, yet continue to display unverified information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Using a debit or ATM card

Complaint: Someone stole my money out of my checking account I did not authorize anyone to a control money from my account I filed a fraud claim immediately upon finding my funds work on SunTrust has denied my claim and now I have to file a rebuttal to have made me wait two weeks of no funds taken my sons XXXX check and my entire account plus fees over {$4000.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/23/2016 about Payday loan () with WORLD ACCEPTANCE CORPORATION (GA).
Issue: Charged fees or interest I didn't expect

Complaint: I was charged fee 's and interest I did n't know about. I did n't have a good job at the time. After I got laid off i paid the account off but they have it reporting to the agency charged off instead of paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Mortgage (Conventional fixed mortgage) with MLB Residential Lending, LLC (DE).
Issue: Credit decision / Underwriting

Complaint: I submitted a mortgage application with MLB Residential Lending , LLC for a refinance in mid XX/XX/XXXX. I went through all the processing and received a " clear to close '' from both the lender and closing attorney on XX/XX/XXXX. The loan was scheduled with the title company for settlement on XX/XX/XXXX. On XX/XX/XXXX, I received a notification from my loan officer that the underwriter stated that the loan can not close as structured due to investor guidelines and will need to be restructured as a purchase. Over the next 3 weeks I submitted all the necessary documentation as requested by the lender and received the new disclosure paperwork on XX/XX/XXXX. I signed the paperwork and completed additional documentation that needed to be physically printed, signed and faxed back. This was done in the morning and in the same afternoon I received an email stating my loan status has changed to " denial ''. I was instructed to contact my loan officer with any concerns or questions. I went online to review the denial thinking it had to be a mistake and found my loan was denied to " incompleteness ''. I contacted my loan officer as instructed to find out he now was " no longer '' with MLB Residential Lending , LLC. He therefore instructed me to contact them directly. I emailed them to follow up on what was " incomplete '' and why I was not notified or given the necessary paperwork or opportunity to complete it. I received an email back stating it was " incomplete '' and therefore the loan was denied and given no additional feedback or information.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Mortgage (VA mortgage) with LoanCare, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I requested a loan modification, under the recommendation of the VA, on my VA home loan in XXXX of 2011 ; I was XXXX for two months and requested those two months be rolled into the principal of my loan. I resumed normal mortgage payments on the third month and have never been late. I remained in monthly contact with customer service of this mortgage company, and they consistently reassured me that the " late payment '' status on my paper bill was just a formality during this process and will correct itself once the paperwork is finalized. It took the mortgage company 11 months to " finalize '' the paperwork. This mortgage company reported to the XXXX credit bureaus that I was 120 days late for 11 consecutive months. This does not correctly reflect my payment history, I do not know what they would have to gain from this, but it is pulverizing my credit!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Mortgage (FHA mortgage) with ALKAN MORTGAGE CORPORATION (FL).
Issue: Application, originator, mortgage broker

Complaint: I was interested to finding out information about purchasing a home and sought to speak with a load specialist company, and was approached via XXXX by Certified Mortgage Planners. 

They misrepresented when my credit would be checked and how many times it would be checked. My credit had been pulled twice ( XXXX XXXX/XXXX/2016, then again on XXXX/XXXX/2016 ) despite the fact that I was told by them that it would only be pulled once after consenting. 

They misrepresented the role student debt would play in my application, first stating that my student loans were not a problem on XXXX/XXXX/2016 but then provided directly conflicting information, stating that they were a problem per our conversation on XXXX/XXXX/2016. 

They told me on XXXX/XXXX/2016 that I was no longer eligible to be pre-qualified for the discussed amount and that would need to wait 30 days in hopes for my credit score to go up to XXXX " so maybe we can work something out '', when their decision to pull my credit twice, the first time without my consent or authorization and in direct conflict with my directive, may have directly adverse consequences on the score. 

I then consulted directly with the Consumer Financial Protections Bureau, which guided me to inform the mortgage planning company and the credit company, Certified Credit Reporting, to have them correct and withdraw XXXX of the credit inquiries there were done on my credit. 

I contacted Certified Mortgage Planners with a formal request to correct and withdraw XXXX of the credit inquiries related to my inquiry into financing a home purchase via email on XXXX/XXXX/2016, never got a response back. 

Then I proceeded to contact the credit company, Certified Credit Reporting, to explain the situation and was given to a run around without a straight answer but to email ( sent on XXXX/XXXX/16 ) the manager, a XXXX XXXX, because she was the only one that could send out the paper to the credit bureaus in order to correct and withdraw both of the credit inquiries. She proceeded to contact me when I was unavailable, and when I called back the number she provided, then she was unavailable. 

As of today, XXXX/XXXX/2016, the has been no resolution and the credit inquiries are still showing in my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2016 about Credit card () with SYNCHRONY FINANCIAL (OK).
Issue: Credit determination

Complaint: I applied for a PayPal MasterCard and when I received the denial it provided an inaccurate credit score. Their denial stated that my score was XXXX with XXXX when my actual score is XXXX. I monitor my credit with each reporting agency and pay to get my fico score with each bureau. Why would they make up a score for denial purposes? Also the stated I had to many inquiries, before them I only had XXXX on XXXX, XXXX on XXXX, and XXXX on XXXX. I would like the hard inquiry removed from my credit report since they are providing me with inaccuracies regarding my denial, credit report and scores. Only solution is the removal of the hard inquiry.

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. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was XXXX XXXX XXXX XXXX when I received an email stating that my account was being transferred from XXXX XXXX to Navient. My interest rate went from 2.5 % to 7.4 %. When I called from XXXX to ask why they stated they now had control over the account and that was the new interest rate. I was horrified but unable to do much about it so to this day I still pay this enormous rate to pay off my XXXX Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Debt collection (Credit card debt) with STERLING JEWELERS, INC. (NJ).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Kay jewelers called my job looking for me. They claimed they were a bank

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Prepaid card (General purpose card) with WELLS FARGO & COMPANY (FL).
Issue: Fraud or scam

Complaint: I had a secured card with  Wells Fargo  for {$2000.00} which I deposited. Then they paid out a {$2500.00} fee to disputed account and after many attempts to refund my scammed money the bank refused to issue credit but instead charged me the money and used my secured money. It 's now being reported to the credit companies as a negative account for - {$2500.00}. This is fraud and they need to be investigated.

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 05/30/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Unauthorized purchase of {$300.00} made via  XXXX  on   X/XX/17  ;  fraud report was immediately called to Chase Bank who reversed the charge ; after their alleged investigation, they recharged the account o n  X/XX/17  ;   n either Chase Bank nor  XXXX  are willing to provide information to verify said purchase ; Chase Bank claims that there is no further investigation pending on their part & that I must sue  XXXX  to recover my funds ;  XXXX  reports to me that this claim/investigation has not yet been finalized on their end and that they never told  Chase  that this purchase was a valid purchase made by me ;  XXXX  went so far as to give m e a city & state  that the goods were delivered to but would not provide the exact address ; both companies are pointing fingers at the other for at fault and neither has been helpful in resolving this fraudulent use of my debit card ; I have filed a police report for identity theft and have filed a complaint with th e AZ Dept of Financial Institutions, and the AZ Attorney General 's office

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/26/2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Billing disputes

Complaint: An electronic payment of {$140.00} was made to my XXXX account. This payment was sent by mistake to Synchroncy Bank address XXXX XXXX XXXX, XXXX FL, XXXX when it should have gone to XXXX XXXX. The payment was sent XXXX XXXX, 2015 and received XXXX XXXX, 2015. The next month I received a bill from XXXX saying my account was overdue. My XXXX XXXX gave me proof of the payment with a trace number. When this not resolve the issue XXXX XXXX of XXXX XXXX ( XXXX sent around 90 minutes on the phone trying to resolve the issue with no success. After numerous calls to XXXX XXXX, XXXX XXXX XXXX ( XXXX ) arranged a conference call with Synchroncy Bank. At that time we were told there was no way Synchroncy Bank could trace the payment. We were unable to talk to a supervisor even though this was requested. Both XXXX XXXX and XXXX XXXX told me that any bank can check on deposits and they were shocked at the responce we received. Later XXXX sent a Good Faith Letter to Synchroncy Bank verifying that the payment had been made and received. I ended up paying XXXX XXXX {$140.00} to keep my account from being sent to collections.

Company response to consumer: Closed with explanation