milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: i have been trying for weeks to find out my credit scores. at every website, I fill in the requested information, only to get a popup which states that my informationdoes not match credit bureau records. 

and there it ends. I can not even find out what the discrepancies in the infor-mation are, much less how to resolve them. 

I ca n't even find out if there is a physical location in my town where I could takemy actual information for comparative purposes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In XXXX XXXX, I filed for Chapter XXXX Bankruptcy. My bk was XXXX. Upon checking my credit report, I discovered that Experian is reporting information on my report that is a violation of the FCRA and Bankruptcy Code by listing XXXX accounts, on the summary page of my credit report, that I included in my chapter XXXX bk as " NEGATIVE '' or " LATE PAYMENTS. '' The creditor is supposed to discharge the accounts but they are not supposed to tell the credit bureau that it is a XXXX account. XXXX accounts can NOT be late-ever. 

Section XXXX of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is not reasonable to label an account that has been XXXX in a bankruptcy as " bad debt of late '' if the account was open and not XXXX off prior to consumer filing bankruptcy. Such designation is inaccurate, misleading because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so. 

NEGATIVE REPORTING ON A XXXX DEBT IS A VIOLATION OF THE PERMANENT INJUNCTION OF MY DISCHARGE. They have interfered with me being approved for credit. They have interfered with me being approved for credit. I feel that I am being punished by the credit bureau and creditor for a difficult decision what was unavoidable. 


Under the NOTES section of my credit report, XXXX added derogatory notations about my address for which I never gave them permission to do add. They have damaged my credit report with reporting XXXX accounts as LATE PAYMENT AND they furthered added insult to injury by reporting my address, that I have used for over 7 years, as a " high risk '' address. '' I do not understand WHY this company feels so free to report ANYTHING on my account without fear of repercussions. These blatant VIOLATIONS MUST STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Billing disputes

Complaint: I have nothing in collections. XXXX is not in collections. XXXX and XXXX need to update my credt report immediately. 

My balance with Capital One is {$300.00} less then the aount on y report. 

XXXX XXXX should take off 1 late pmt. I spoke eith them at length before the late pmt. I am on timevwith pmts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/26/2016 about Mortgage (Other mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Settlement process and costs

Complaint: I started receiving calls daily, sometimes several times a day, from Quicken loans about a refinance. Today, I received an e-mail that is quite deceptive, requesting my income documents : 2015 XXXX and a recent paystub within 30 days. The email message was titles " Quicken Loans Message : Loan File - Legal Questions and Docs Needed '' It sounds like if I do n't do this I am going to be in trouble or have some negative consequence on my existing account. It also at the end says " Once I get these, I will be able to send everything out to your MyQL account, where we can go over everything and e-sign documents. '' Never once in this email does it indicate that this is to apply for a refinance or change any of the parameters of my existing mortgage. For unsavvy consumers, this is a deceptive process made to appear that this information is necessary to update existing mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX XXXX sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Equifax failed at protecting my credit information from hackers. They have offered free credit monitoring for a year as compensation. Too little, too late ... my information has been compromised and the repercussions can potentially last for many years. They failed to do their job and have offered no reasonable solution to the massive problem they helped create.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: A friend notified me about a XXXX point promotion for a Starwood 's XXXX credit card. I XXXX and it brought me to a page to sign up, mentioning the promotion. There was no clear indication about restrictions, and when I signed up, it never said I did not qualify for the promotion. After achieving the necessary spending, I did not receive the promotion points. I contacted XXXX and was sent a form letter denying my request with incorrect information, and with no phone number or address. I called XXXX and no one could provide me any contact information, so I now need to contact the CFPB I believe I am due XXXX points in the promotion. XXXX 's response is basically an unreachable black box, presumably to prevent customers from reaching them.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX You are in Violation of The FCRA You must supply to me the method of your investigation and VALIDATION not verify everything. 

You must remove the Fraud alter from my credit profile!!! 

You must remove the inquiry for XXXX XXXX from my credit report!!!!! 

You must remove the inquiry for XXXX XXXX XXXX from my credit report!!!! 

I request the method of verification, under the FCRA section 611 ( a ) ( 7 ). 


Escalate his call to a supervisor do not use the XXXX. System You must update my credit score!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of Identity Theft, and I am trying to dispute inaccurate items on my Credit Report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2017 about Mortgage (Conventional fixed mortgage) with CHEMICAL FINANCIAL CORPORATION (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I am a XXXX Veteran and am unable to work. My previous mortgage company was XXXX Mortgage and my loan was sold to Chemical Bank. Prior to this transfer, I stopped my automatic payments and wanted to pay them myself. Since Chemical Bank took over the loan they have attempted on two difference occasions to withdraw monies from my account without my permission as I mentioned I had previously stopped my automatic payments. On the first attempt by Chemical Bank to withdrawal ( unauthorized ), I contacted them and advised that this attempt was without my permission. Then they again attempted to withdraw two payments from account - all after notice and without my permission.

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 03/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I signed docs with Wells Fargo that stated my XXXX payment was XXXX XXXX XX/XX/2015 our Note with XXXX also shows XXXX payment XXXX XXXX. We closed our loan on XXXX XXXX, XX/XX/2015. We received a bill stating our XXXX payment was due on XXXX XXXX. I called Wells XXXX XXXX and they apologized and said they would fix the issue but it would take XXXX weeks and would be done by XXXX XXXX. I have called today and it is still not fixed. They are going to charge me a late fee and ding my credit for their mistake! Please help CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Consumer Loan (Vehicle lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (FL).
Issue: Managing the loan or lease

Complaint: My Auto Lease payment was due on XX/XX/2017. I made my payment early on XX/XX/2017 Credit Card Payments that is used with GM Financial online payment option was XXXX via GM Financial online system when I log into my account. The Payment Option Link for XXXX. When I click on the link from there website It ask me to enter the Bill Payer, I entered GM Financial and a drop down came up to select GM Financial Leasing ( I have a lease ). I continue to enter my payment amount {$560.00} and XXXX XXXX confirms the payment and I paid same day service 2-4 hours fee of {$44.00} ( Total Transaction including my lease payment and XXXX XXXX fee {$610.00} ). After I get my payment conformation via XXXX XXXX Tracking number ( MTCN ) : XXXX. I email GM Financial right away asking them if the received my payment. I then receive an email from GM Financial 2 days later telling me that the payment has not posted. At this point I am very concerned because I always pay my balance on time and before the due date and somehow this payment is taking forever to apply to my account. I check my Credit card with my Financial Institution and the charge had already posted to my Credit Card I used on the same day. I contacted GM Financial several times to ask what is going on with my payment, my bank acct is drafted and payment is confirmed with XXXX XXXX, what is taking so long to post my payment to my account. I spoke to several managers and one Manager XXXX looked into research with the payment processing department and found the payment was made. I was told that the payment would be posted to my account at XXXX. Low and behold my payment was not posted the next day. I called GM Financial several times on the next day and was told they found my payment but somehow it was routed to another department and they are forwarding my payment to my account, and this time it will post in 24 hours, at this point its 5-6 days later. Today XX/XX/2017 I check my online account and I still see payment has still not posted. My Credit card has a posted charge deducted for the payment and XXXX XXXX has confirmed the payment on same date XX/XX/2017 and GM Financial has confirmed the payment and still they have not applied my payment to my account, causing me account delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease

Complaint: Chrysler capital finance company whom I have a new XXXX dodge Journey financed with and was bought at XXXX dodge dealership in XXXX Tx calls me monthly before my payment is due, using foul language saying that I am two payments behind and demanding their money. I got a recent e-mail from Chrysler capital finance Demanding back payments for a XXXX Dodge Ram 1500 Quad cab pickup that Was paid off in full six months ago and again using foul XXXX letter words and threats. They have cussed my wife and have done so with my self. I am going to call them and tell them that due to their actions that I am NOT going to take their abuse any longer and that they are to pick up the car because I do not want to deal with their abuse and unethical practices any more. I know that it will wreck my credit and that I will have lost as far as my down payment & the gap insurance of {$700.00} that I purchased also but I have had it with them. The Dodge Journey was purchased new, I have XXXX miles on it is all. I have sense talked to other Chrysler capital Finance customers who have said that they too are treated in the same horrible manner and further, that no matter what a credit rating is that they finance, whether or not the buyer can pay for they finance the vehicles and charge extreme finance rates.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have came to notice numerous attempts for credit with my name and information fraudulently without my permission or authorization. I 've demanded these applications get cancelled immediately as they were not submitted by me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Bank account or service (Checking account) with BB&T CORPORATION (NC).
Issue: Account opening, closing, or management

Complaint: I unfortunately had to enter into bankruptcy and was advised by my attorney to close my checking accounts and open new ones. I had a checking account that was supposed to allow no OD/NSFs on the account and left approx.. {$2.00} in the account. I opened new accounts at a new XXXX. I had XXXX car insurance payments on auto draft that still attempted to draft on the old checking account, but were not paid and I paid online directly. The old XXXX charged me OD fees on a checking account that was not supposed to assess fees per my agreement. I tried to close the checking out prior with a positive balance, but was told I could not because I had a balance in the account. I tried to close the account out but again was then refused because I had a negative balance due to NSFs. I refused to pay the NSFs, due to having an account that was not supposed to assess NSFs. The bank refused to remove the NSFs and has now reported me to a collection agency.

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 07/23/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This information was removed back in XXXX 2015 and then now, XXXX months later it is reappearing!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (WI).
Issue: Trouble during payment process

Complaint: My mortgage holder, Select Portfolio Servicing ( SPS ), performed an escrow analysis on my account and mailed me a letter informing me of such in early XXXX XXXX. In the letter, I was informed that, based on their projections for the year, I had overpaid my escrow by about {$700.00} and that I could expect a refund. No timeline for the refund was provided in the letter. 
Maybe a week after receiving the letter, I contacted SPS to see when they might be mailing me my refund. I was told the check would be mailed on XXXX XXXX XXXX. I waited for the refund to appear in my mailbox and it never did. 
I contacted SPS in mid XXXX XXXX and was told the check was mailed on XXXX XXXX XXXX. They were surprised that I had n't gotten it in the mail yet and I was told that the check would be cancelled and a new check issued. During this conversation, as in all prior and subsequent conversations, I was prompted to verify my property and mailing address ( they are the same ) with SPS 's call center representatives. 
I have been in regular contact with numerous SPS call center representatives in the past 3 weeks or so ( none are able to give me their direct contact information, as they are 'call center ' workers ) and none of them has been able to verify for me where my refund check is and when I might see it. The best answer I 've gotten is somewhere along the lines of 'I 've alerted my supervisor and noted it in your record '.

I understand federal law ( RESPA ) requires companies like SPS, following their annual escrow analyses, refund any escrow overpayments of {$50.00} or more to the lender ( s ) within 30 days. My concern is that deadline has come and gone and I still have n't gotten my refund.

SPS has my correct mailing address. Otherwise, I never would have been alerted to their analysis of my escrow nor my escrow overage in the first place. I suspect they never sent me a check on XXXX XXXX XXXX and are in violation of federal law. 
Also, XXXX is coming ; I want my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On the morning of XXXX I was searching online for a pair of gloves for my XXXX year old daughter, to complete an over looked x-mas gift. I came across a pair on XXXX for {$19.00} and purchased them, Order #, I do recall entering my information for shipping, but I never applied for any credit for a {$20.00} item from XXXX that I would rarely ever buy an item from! A little while later I received an Alert from XXXX XXXX and Trans Union, checking both to verify there is a hard inquiry from XXXX on my credit report for credit that I never authorized.. Later that evening on the XXXX, After reading literature on XXXX XXXX about online dispute, I went to Trans Union to do an online dispute # XXXX on XXXX I then contacted Trans Union by phone as I was unsure of my online dispute process was complete, I was then told I could not file this dispute with them or online, and that I would have to contact XXXX to get an Inquiry Delete letter from them, which I ca n't understand why offer a dispute process online when your not going to dispute it, I also have them the dispute number and was told that meant nothing, was only told that was mainly dealing with the other simple correction that I had noticed on my account, like phone numbers and address, So I contacted XXXX, was told I do not have a credit card with them, so do n't worry about it, but they are still failing to realize, that I have a hard inquiry that I never authorized, so after raising a little more ruckus, I was switched to another person named XXXX # XXXX , she said that she would provide this this letter that I requested, Inquiry Delete letter to the credit bureaus, and I copy to myself in 7 to 10 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 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Wells Fargo is showing one late payment on my account for XX/XX/XXXX but I closed account in XX/XX/XXXX, which was paid in full also. Well Fargo account was open since XX/XX/XXXX and was always in good standing. I currently have another Wells Fargo credit card since XX/XX/XXXX, that has always been in good standing also, but is considering closing this account due to improper damage to my credit history because of the late payment reporting on the previous card.

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 11-12-2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Experian will not allow me to use their online services to temporary lift my security freeze. I wrote them, but they did not respond. Experian is forcing me to send my personal information threw the mail risking the theft of mu social security number, security freeze password and my date of birth. They do not provide a means to talk to a real person and they do not respond to written requests and questions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have private loans with Navient ( XXXX XXXX ). I 'm a XXXX, XXXX with medical issues, working part time as a XXXX, not what I went to school for!!! I have been making payments or been in some type program that " offers lowered payments '', and they automatically take money out of my account ( BIGGEST MISTAKE EVER ), payments were taken out that I did n't authorize. So I then had to open a new account and got behind on payments. The phone started ringing off the hook, they started at XXXX every morning and continued till XXXX. They called and harassed my co signers at home and their place of employment after being told not to call them there also called relatives. I would call and pay what I could but it was n't good enough, each time I spoke with them I was harassed and/or threatened to the point where I live in fear that I have to pay them and not feed my XXXX year old son. I ca n't live like this any longer. Today they called and told me I have to pay them {$59000.00}, or it gets turned into an attorney. I 'm not sure what to do now? Where do I get help? I do n't have that kind of money laying around, and I have no clue how my loans are so much!!!!!

Company response to consumer: Closed with explanation