milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-11-2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a judgment on my credit report from XXXX XXXX. It is saying unpaid but I finished paying in full of XX/XX/2015. I was told multiple times by XXXX that it would be updated but it has not.

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 03-11-2017 about Credit card () with BARCLAYS BANK DELAWARE (MD).
Issue: Billing disputes

Complaint: I received an unrecognized charge on my account on XX/XX/XXXX. I called to report the charge on my Barclaycard CashForward card. They investigated the charge and determined it was a " chip read '' card present transaction. It was billed as a hauling and towing service located in XXXX XXXX. I had made no such charge in XXXX. I was not in XXXX on XX/XX/XXXX or, for that matter, since XX/XX/XXXX. They were not able to provide receipt copies or other information pertaining to the charge. I have no record of making a charge for any such towing or hauling services either in XXXX or in my home state of XXXX where I was on XX/XX/XXXX. They closed the investigation and determined it was my responsibility. Neither Barclay nor MasterCard appear to have any responsibililty for providing evidence that a charge is legitimate. I take efforts to manage my credit carefully and now am placed in a position of paying for a charge that I have no record of making or face derogatory reports on my credit history if I choose not to pay it. Unacceptable. Merchants and the bank processors need to have responsibility in verifying charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Plus Inc (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After reviewing my credit report, I noticed a hard credit pull from a company that I did not authorize. My credit is very important to me and I did not authorize this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax refused to process the disputes that I initiated. They said they would not reinvestigate the disputes even though I asked a totally different question about a totally different aspect of the accounts. They also claim that my bankruptcy was verified by the courts. According to XXXX XXXX the Deputy Clerk In Charge of the U.S. Bankruptcy Court XXXX XXXX XXXX XXXX, XXXX, OH " The US Bankruptcy Court does not report the information to the credit bureaus. '' The bureaus came back calling the info verified by the courts which is false. I demanded that these items all be removed due to not being verified as required under the law but the bureau refused. 

The company claims the information is accurate. They NEVER contacted the creditor listed ( the US Bankruptcy Court ) to get required verification and validation. I have again attached the letter FROM the US Bankruptcy Court showing that they do NOT report. If the bureau did what they just falsified in the response to you, there would have been no response and the item would be deleted due to being unverified by the original creditor. Instead, the bureau went to XXXX knows what other source to obtain information for them to deem verified - in DIRECT violation of the FCRA. I demand that this item be deleted and that any sanctions that the bureau has coming to them be imposed for not only failing to comply with a direct dispute but also in providing a false response and false accounting of the bureau 's actions to the CFPB. Thank you for your assistance in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Student loan (Non-federal student loan) with LendKey Technologies, Inc. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am attempting to pay my private loan off as soon as possible, but my lender is making that extremely challenging. LendKey holds my current 10 year loan with an interest rate of 6.65 %. The auto-debit option gives me a 1 % discount on my interest. This auto-debit happens on the XXXX of the month. I asked to have my payments increased to pay off my loan sooner and I was told that it is impossible due to my current loan terms. I was told to pay the additional amount separately every month. For the last 2 months, whenever I tried to make a separate payment LedKey would only debit the different between my payment and the amount due ( {$2.00} in this case ). I spoke with them today and was told that they will only count the additional payment if I pay between the XXXX and the XXXX of the month. I was not informed of this the last time I spoke with them. When I asked if I could potentially refinance my loan to a shorter pay off time frame ( XXXX instead of 10 years ) and thus a higher debited payment, I was told that they will only refinance over {$75000.00} worth of debt, and I do not have that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Debt collection (Credit card) with New Century Financial Services, Inc. (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: New Century Financial filed a judgment against me on XX/XX/XXXX at the XXXX. # XXXX. This judgement is now displayed on my credit reports ; XXXX, XXXX and is still causing damage to my credit. I was not served properly of this notice of judgement in XX/XX/XXXX. Second, I contacted XXXX on on XX/XX/2016 to set up a payment arrangement because XXXX Credit Bureau told me they are the owner of my account. After doing some research and finding this firm was Sued by CPFB for XXXX for making false false or empty allegations about consumer debts, Filed lawsuits based on unreliable or false information, Harassed consumers with unsubstantiated court filings which I am now a victim of. Since I filed a complaint with the CPFB ( Consumer Protection Federal Bureau, I just received a letter from them stating the they " previously advised, me that XXXX is the new owner of the judgement after being reported to CPFB. XXXX has now sold my account to another third party. XXXX is now telling me if I do n't keep my arrangement I will be responsible for addition filing and court fees. XXXX also states that they do not report judgements or law suits to credit bureau agencies which is not true.. 
I want this judgement removed from my credit report because I was improperly serviced, the number to the court where the judgement is filed does n't exist because I tried calling it to verify this information. Every thing about New Century and XXXX action does n't feels right. 

Therefore I am going to follow up with legal counsel about this matter concerning my legal right sue. Beside I am on XXXX with a fix income how would I be able to afford these outrages fees that these firm are forcing on me.

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 04-08-2017 about Credit card () with BARCLAYS BANK DELAWARE (AE).
Issue: Customer service / Customer relations

Complaint: MasterCard Barclays offered me 0 % interest with no annual fee as a military member and I use their card exclusively for all my purchases, up until I received a letter dated XXXX XXXX, 2017. In this letter they stated that going forward they would no longer honor my annual fee waiver and that they would charge my account on the next month billing period. This loop hole that is being used to get out of XXXX is not very honorable. They recover funds every time I swipe my card. I understand that the card at 0 % is a great opportunity and I wish that they would not go to the extreme on service members to charge them this fee. I used this card everyday and now I face a {$990.00} charge or close the card and pay off the balance. Most members would be in a predicament under that constraint.

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 10/13/2015 about Debt collection (I do not know) with Sortis Financial, Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Because I have a common last name this company calls me daily looking for an individual that is not at my residence. I have called the number they provide to have them stop and I have been advised to call a new number. This appears like a fishing call so did not pursue. Tried to ignore so they would relize it was ineffective but they have not. I shouldnt need to call a number, they should know by their records where to call. Have not done business with them, they call DAILY or close to it, for more than a year. Please make them stop.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Other transaction problem

Complaint: Regarding case # XXXX Hi, on XX/XX/XXXX I have transferred an amount to Coinbase.  After several days this amount still was n't processed. I have contacted them through their customer support. The reply I got was that the name/account did n't correspond with their account details and thus, the money was supposedly returned to my bank account. After a week the money still was n't returned and I started to send messages to follow up this matter. A very late response ( after a week ), they needed my details to investigate the matter. 

Each reply I got from Coinbase it took several days. I almost immediate responded, but then the response kept being longer and longer. The attachment I enclosed is the proof. 

It 's been almost 2 months now and the money still have n't returned. Their last reply was from 2 weeks ago. this casenumber XXXX as stated above is from Coinbase itself. There they find ALL the details of the transaction. I ca n't imagine any professional company that holds onto other people 's money for such a long time.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Other

Complaint: I paid {$43.00} to overnight a certified check to the credit card company to pay off the account in full. I was told it would post immediately However, synchrony financial is holding my account hostage by refusing to zero out my account for 3 days - without cause. Given that 's it a certified check, there is no reason to freeze the account. I have an emergency medical problem and need the account for medical bills. Thus, the reason for overnighting the check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was dismayed once I looked at my XXXX, XXXX and TransUnion credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2016 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this took effect, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

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 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BB&T CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have an active auto loan with REGIONAL ACCEPTANCE. This account was opened XXXX XXXX. In XXXX and XXXX of XXXX i made both payments before the due dates yet they both show as late on my credit report. XXXX XXXX XXXX, XXXX and XXXX of XXXX XXXX payments are showing for my account. I have called XXXX XXXX several times to get this fixed and try to find out why this happened. I have placed calls to them XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Each time i call i am told that they have proof of the late payments and they are not obligated to fix the problem or send me the verification of these payments. I sent XXXX certified letters requesting the verification to which i receive no response. I have even provided RA with copies of my bank documents showing the payments as processed and the statements from RA showing on time payments. These erroneous entries are having a huge negative effect on my credit rating and the fact that noone at RA is even making an attempt to resolve this problem. The last agent i spoke with XXXX XXXX told me if i dont like it i should just do a voluntary repo on the car.

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 03/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX is not licensed and endorsed as a collection agency in WA state, is attempting to collect an amount beyond what they can document from the original creditor. No documentation or materials have been provided to me, subject to 809.b of the FDCPA. The response to my dispute letter should include validation of the debt before they attempt again to collect this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2016 about Mortgage (Home equity loan or line of credit) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a home equity loan with Santander Bank. The loan was in XXXX my name and my husband who In XXXX is my ex husband. The house is only in my name since the divorce. I was and continue to make all payments. In XXXX, my ex declared bankruptcy and was told by bankruptcy lawyers I would not be impacted in any way. He was granted a discharge effective XXXX/XXXX/XXXX. Santander shut off my auto payment process to make auto pymts from my checking acct which did n't allow me to get an interest rate discount. I was told to try again in a year or so. I 've been told several other times I could not get this service and discount because of my ex husband 's situation. I think it 's an unfair practice that I ca n't get this auto payment service and discount based on my payment history and credit status.

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
Consumer complaint received 10/24/2017 about Debt collection (Other debt) with ERC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In 2016 I resolved a debt that XXXX sent to collections in error. XXXX then contacted ERC regarding this debt so it could be discharged. ERC was made aware of this debt and instead of removing this debt they sold it to another collection company. After several written communications to all three credit bureaus this debt was removed by all 3 credit agencies and the new collection company. Since that time ERC has again falsely reported this debt on my credit report. This company is in violation of Federal Guidelines and I demand that this debt I do not owe be removed, Also ERC can not claim that I owe a debt that they themselves sold to another company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a delinquency on my credit report which is not mine and this needs to be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I graduated from XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX. Navient has been sending me multiple late notices a month regarding my account even though my grace period is not over. They started sending communication in XXXX of XXXX that my loan would be due in XXXX of XXXX. 

I have called them more than 3 times and with the wait times have had no time or availability to speak with anyone regarding my account. They have now started to ding my credit score. As I work as a XXXX XXXX  Monday through Friday I call them as I can. Yet they have no weekend hours for me to call and the wait time has been upwards of an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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 disputed some items on all 3 credit bureau XXXX deleted them all but Transunion and XXXX have a few still on there and wont remove them off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had an account with XXXX in XX/XX/XXXX, I closed the account but was late with the final payment. However did pay the full amount XX/XX/XXXX. For some reason they are showing the account late 90-120 days in XXXX and XXXX of this year XX/XX/XXXX. I have disputed it, XXXX said that they confirmed with them the account was closed XX/XX/XXXX and paid in full but they will not fix it. I have called several times over the past few months and been very patient waiting but today after 30 minutes on hold and discussing it with a woman identifying herself as XXXX and a Supervisor in Pennsylvania she would not fix it. I asked to do a XXXX way call with XXXX and she refused. It is an obvious mistake but all she said she would do is dispute it again which I have done 2 times. When I asked for her supervisor she hung up on me. 
It is only Trans-Union that is reporting this incorrectly. I have spent several hours over several months trying to rectify it. XXXX said there is nothing else they can do to correct it as they have sent the correct information. 
In my previous calls I would have to speak with multiple people from XXXX and give them my personal information over and over which made me uncomfortable. No one I spoke with would give me any kind of employee number and everyone would tell me something different. 
Please help me. I has dropped my credit score XXXX points

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Initially when I got out of college me and my cosigner were harassed and then while I was struggling my mother agreed to help me out then we learned about forebearance forms a year after and we used those to help me buy some time and ease the burden off of my mothers payment. We asked if we could lower my loan payments and it was met with we need to pay a certain amount to lower my payments. Now fast forward to around XX/XX/XXXX/XX/XX/XXXX we finally got access to lower our payments and put into this 13 month program and we talked to mycosigner and me and my mother were told that we will be paying on my debt and now the phone calls have stopped but we are still getting mail from navient saying we owe more money.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Closing on a mortgage

Complaint: Wells Fargo Home Mortgage There has been nothing but the run around with the issue/issues at hand dealing with Documents As stated on the XXXX XXXX, XXXX letter that has to do with California All Purpose Certificate Of Acknowledgement It is stated by Wells Fargo Mortgage that there is no place for my signature on the California All Purpose Certificate of acknowledgement. as I have uploaded a copy of the document. 
First thing on XXXX XXXX, this document was not presented to me in any way nor did I appear personally. 
This document has a place for the Notary to sign It has Signers Name line it has Signer is representing line Signers other than named above It also stated by the notary I personally appeared so if I appeared why did I not sign my own name as I did the other papers on XXXX XXXX My next issue is nothing nor was corrections agreement nor limited power of attorney discuss by the notary. notary can not act as my attorney nor give legal advice. 
On my originals documents there are over 21 signature lines left blank & there was a charge by the bank for a closing attorney and there was no closing attorney on any signings. 
Other issues I have all the closing documents that was giving to me in the original folder showing as proof all the blank lines as well as charges for a closing attorney that got paid that never rendered no service for closing. 
So there are a lot of issues at hand. 
Personally appeared means me being there and signing or a document stating that I 'm giving up rights on the California All Purpose Certificate Acknowledgement. 
There has been a lot of tricks and wording by Wells Fargo Mortgage Home. 
No matter how you put it Appeared means personally and if Wells Fargo Mortgage Home was doing loans with morals they would not have to play the word game as if I cant or do n't understand. But my documents sign on the closing date is proof with all the pages left blank there was no closing attorney as stated on that day which was charge to FHA in which is fraud by Wells Fargo Home Mortgage

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